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NSE:SBFC

SBFC FINANCE LIMITED

Financial Services › Finance·NIFTY MICROCAP 250NIFTY SMALLCAP 500NIFTY TOTAL MARKET
₹84.05
at close · 27 Oct 2026
▲ 6.73 (+8.70%)

Latest filings

  1. SBFC Finance shares Q2 FY27 earnings call audio · Investor Communications
  2. Newspaper publication of SBFC September 2026 results · Compliance
  3. Q2 FY27 presentation shows 27% profit growth and 27% asset growth · Investor Communications
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Lends to micro, small and medium enterprises and against gold collateral, funded by a mix of bank borrowings, non-convertible debentures and other debt. The company earns the spread between the yield on its loan book (17.9% in Q1 FY27) and its cost of borrowing (8.42% in Q1 FY27). Co-origination with banks was reset to about 10% of disbursements from 20% earlier, following an April 2026 RBI circular on MSME collateral. Employee costs at 17% of revenue are the largest non-fund cost line, with management guiding to a 25 bps cut in cost-to-AUM for FY27. Asset quality is being intentionally insulated — Stage 2 provisioning was raised from 6% to 16%, taking total provisioning to 1.91% of assets (about 2x the regulatory minimum), and GNPA stood at 2.66% in Q1 FY27.

Operating scale
Total AUM
₹11,922 crQ1 FY27
MSME AUM
₹9,271 crQ1 FY27
Gold loan AUM
₹2,631 crQ1 FY27
Branch network
256 branches across 201 cities and 18 statesQ1 FY27
Spread
9.48%Q1 FY27
CRAR
31.95%Q1 FY27
Who pays it
Micro, small and medium business owners and individual borrowers pledging gold, mainly in smaller cities and towns
Biggest cost
Interest cost on borrowings — bank loans, NCDs and other debt — at 8.42% in Q1 FY27
Kind of business
Spread-based, branch-led NBFC focused on MSME and gold lending
Where it sits
Mid-size NBFC with 256 branches and ₹11,922 cr AUM in Q1 FY27; 89.7% of borrowers with CIBIL above 700
Market Cap
₹9,301 Cr
P / E (TTM)
26.2×
EV / EBITDA
—
Div Yield
—
Growth
—·
Revenue 5y CAGR
PAT — · EBITDA —
Quality
—·
ROCE (FY25)
ROE 10.8% · margin 68.5%
Leverage
—·
Debt / Equity · not read for a lender
Moves on a normal day
1.09%·
Median daily move
Last 268 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#127/200
P/B#205/253
ROE#48/257
EBITDA margin#87/249
Revenue growth#86/231
Profit growth#104/251

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY25 — not investment advice

Not enough history to assess.

Charts

How has the market priced it — with filings on the timeline?

SBFC · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from SBFC FINANCE LIMITED's filed financials and exchange disclosures

What does SBFC FINANCE LIMITED do?

SBFC FINANCE LIMITED is a Finance company listed on NSE and BSE, trading under the symbol SBFC.

Is SBFC FINANCE LIMITED profitable?

Yes. Over the trailing twelve months SBFC FINANCE LIMITED reported a net profit of ₹345 Cr on revenue of ₹1,306 Cr.

Does SBFC FINANCE LIMITED pay a dividend?

Not in the latest reported year — SBFC FINANCE LIMITED's dividend payout for FY25 was nil.

Is SBFC FINANCE LIMITED expensive compared with its peers?

On trailing P/E, SBFC FINANCE LIMITED ranks 127 of 200 in Non Banking Financial Company (NBFC) — cheaper than 37% of them, against an industry median of 18.5×. This is a position, not a valuation judgement.

How much does the SBFC FINANCE LIMITED share price move in a day?

On a typical session SBFC FINANCE LIMITED moves 1.09% — that is the median absolute close-to-close move across its last 268 trading days. MarketPing measures each filing's price reaction against it.

Where can I track SBFC FINANCE LIMITED's announcements?

Every NSE and BSE filing by SBFC FINANCE LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.