SBFC Finance Limited has submitted to the Exchange, the financial results for the period ended September 30, 2025.
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SBFC Finance, a non-deposit taking NBFC classified under the Middle Layer, reported strong Q2 FY26 results. Total income for the quarter rose about 30.9% year-on-year to ₹4,110 million, driven by a 31.5% jump in interest income to ₹3,795 million. Net profit for the quarter grew roughly 29.9% to ₹1,091.35 million, with EPS of ₹1.00 (vs ₹0.78 YoY). For the half year, total income climbed 30.7% to ₹7,995 million and net profit rose 29.1% to ₹2,100.26 million. The loan book expanded to ₹85,838 million from ₹75,041 million in March 2025, a 14.4% increase. Asset quality remained stable with GNPA at 2.77% and NNPA at 1.51%, while CRAR stayed healthy at 34.05%. The statutory auditor M M Nissim & Co. LLP issued an unmodified limited review report with no qualifications.
Strong, broad-based growth in revenue and profit along with a clean auditor's report and stable asset quality are positive for shareholders. The only points worth monitoring are a rising debt-to-equity ratio (now 1.80x vs 1.49x a year ago) and a sharp drop in the liquidity coverage ratio (174% vs 395% YoY), though both still appear within comfortable ranges.