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    Financial - Credit Services
SBFC Finance Limited

SBFC Finance Limited

SBFC.BO
SBFC Finance LimitedIN flagBombay Stock Exchange
92.51
INR
+1.22
- -
102.92BMarket Cap
SBFC Finance Limited
SBFC.BO
(Bombay Stock Exchange)

Recent

price

92.51

P/E

ratio

- -

div

yld

- -

ROIC.AI

2020
2021
2022
2023
2024
2025
2026
TTM
FRC
2.18
2.83
3.85
5.98
9.27
11.49
- -
12.57
Revenue per Share
0.33
0.8
0.61
1.41
2.35
3.2
- -
3.4
Basic EPS, GAAP
-3.65
-2.72
-7.81
-11.77
-11.55
-13.25
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
7.46
8.61
9.19
11.09
15.36
17.1
- -
- -
Book Value per Share
7.06
8.86
9.62
13.75
24.88
27.16
- -
- -
Tangible Book Value per Share
1,064
1,064
1,064
1,064
1,011
1,077
- -
1,080
Basic Weighted Avg Shares
2,320
3,015
4,098
6,365
9,370
12,373
16,382
13,579
Sales/Revenue/Turnover
-31.91
-9.35
11.3
25.08
32.2
44.98
48.25
40.59
Operating Margin (%)
82
95
118
127
134
168
201
181
Depreciation Expense
355
850
645
1,497
2,371
3,452
4,508
3,673
Net Income, GAAP
39.44
25.47
25.58
25.64
25
24.72
25.31
24.89
Effective Tax Rate (%)
15.3
28.19
15.75
23.52
25.31
27.9
27.52
27.05
Profit Margin (%)
1,563
8,264
8,091
1,291
11,559
13,896
19,829
- -
Working Capital
22,906
20,738
22,335
26,115
25,715
35,415
49,057
- -
LT Debt
10,125
12,051
12,872
17,273
27,781
31,901
37,252
- -
Total Equity
- -
-0.52
0.84
2.45
3.7
5.5
6.1
- -
Return on Invested Capital (%)
- -
2.78
2.02
3.47
4.64
6.29
6.33
11.34
Return on Capital (%)
- -
9.94
6.81
13.87
17.35
20.34
22.18
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
17,228
- -
LT Borrowings
- -
35,415
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
1,085
- -
Market Capitalization
97,681
95,234
121,142

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
32,376
- -
Cash, Cash Equivalents & STI
- -
7,045
- -
Accounts Receivable, Net
- -
50
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
18,480
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
17,228
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
26.69%
16.77%
Free Cash Flow
- -
57.39%
33.67%
Net Income, GAAP
- -
48.5%
30.61%
Sales/Revenue/Turnover
- -
40.58%
32.4%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,181
2,345
2,524
2,163
9,370
2025
2,881
3,040
3,220
3,522
12,373
2026
3,797
4,254
4,499
- -
16,382

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.44
0.52
0.6
- -
2.35
2025
0.73
0.78
0.82
0.87
3.2
2026
0.93
1.08
1.12
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
SBFC Finance Limited is a Mumbai-headquartered non-banking financial company (NBFC) incorporated in 2008 that provides comprehensive financing solutions primarily targeting micro, small, and medium enterprises (MSMEs) and individual customers in India. The company's core product offerings include secured MSME loans, loans against gold, unsecured personal loans, unsecured business loans, and specialized loan management services for third-party financial institutions such as private banks, public sector banks, foreign banks, mutual funds, and asset reconstruction companies. SBFC Finance also delivers end-to-end loan management services encompassing client relations, collections, payments, and data storage. The company serves a diverse customer base, including entrepreneurs, small business owners, self-employed individuals, salaried professionals, and working-class individuals, with loan products tailored to meet specific business and personal financing needs. Recent major developments include a strategic capital raise of Rs. 750 crore in the first half of fiscal 2024 supporting accelerated portfolio growth and expansion, reaffirmation of credit ratings such as Crisil’s AAA (SO) for its securitized trusts, and an enhanced ESG rating reflecting sustainability focus. SBFC Finance's loan portfolio has demonstrated robust growth with a composite loan book expanding at a CAGR of approximately 45% over recent years, supported by a diversified funding profile predominantly composed of bank and financial institution borrowings through term loans and non-convertible debentures. The company continues to leverage the growing Indian MSME credit cycle with sustained profitability improvement and a strengthening capital base as of late 2025. SBFC Finance operates as a subsidiary of SBFC Holdings Pte. Ltd. and maintains a focus on prudent capitalization and asset quality management while expanding its product suite and geographical reach across India.