SBFC Finance Ltd

SBFC Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

SBFC Finance Ltd

₹ 84.4 0.73%
19 Nov - close price
sbfc.com BSE: 543959 NSE: SBFC
About

Incorporated in 2008, SBFC Finance Limited is a systemically important, NBFC (NBFC-ND-SI) offering Secured MSME Loans and Loans against Gold[1]

Key Points

Leading MSME Company[1] Among MSME companies, SBFC has one of the highest assets under management (“AUM”) growth, and has grown at a CAGR of 44% from FY19 to FY23, with disbursements growing at a CAGR of 40% in this period

Website BSE NSE
  • Market Cap ₹ 9,090 Cr.
  • Current Price ₹ 84.4
  • High / Low ₹ 106 / 72.2
  • Stock P/E 30.3
  • Book Value ₹ 27.6
  • Dividend Yield 0.00 %
  • ROCE 10.9 %
  • ROE 10.5 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 57.5% CAGR over last 5 years

Cons

  • Stock is trading at 3.06 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -5.47%
  • Company has a low return on equity of 9.03% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of Nifty 500 Multicap 50:25:25 Nifty 500 Nifty Total Market BSE SmallCap Nifty MidSmallcap 400

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 160 176 189 208 230 246 264 279 297 314
Interest 60 62 76 79 89 89 85 88 95 100
54 64 63 69 75 83 90 91 94 100
Financing Profit 46 50 51 60 66 74 89 100 109 114
Financing Margin % 29% 28% 27% 29% 29% 30% 34% 36% 37% 36%
0 1 5 1 0 0 0 1 0 0
Depreciation 3 3 3 3 3 3 3 4 4 4
Profit before tax 43 48 53 58 63 71 86 97 105 110
Tax % 25% 25% 25% 26% 25% 26% 25% 24% 25% 24%
32 36 39 43 47 53 64 73 79 84
EPS in Rs 0.36 0.40 0.44 0.48 0.51 0.49 0.60 0.68 0.73 0.78
Gross NPA % 2.57% 2.54% 2.37% 2.38% 2.43% 2.60% 2.69%
Net NPA % 1.58% 1.55% 1.33% 1.36% 1.36% 1.51% 1.63%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 177 445 510 529 734 1,019 1,154
Interest 50 244 239 222 278 352 368
89 134 149 210 247 338 374
Financing Profit 37 67 123 97 209 329 412
Financing Margin % 21% 15% 24% 18% 28% 32% 36%
0 0 1 1 5 1 1
Depreciation 2 8 10 12 13 13 15
Profit before tax 35 59 114 87 201 316 398
Tax % 30% 39% 25% 26% 26% 25%
24 36 85 65 150 237 300
EPS in Rs 0.36 0.46 1.03 0.77 1.67 2.21 2.79
Dividend Payout % 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 42%
3 Years: 26%
TTM: 32%
Compounded Profit Growth
10 Years: %
5 Years: 58%
3 Years: 41%
TTM: 65%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -7%
Return on Equity
10 Years: %
5 Years: 8%
3 Years: 9%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 676 742 797 807 890 1,072 1,076
Reserves 204 270 408 480 838 1,706 1,892
842 3,056 2,768 2,940 3,739 3,996 4,413
71 140 258 288 280 289 152
Total Liabilities 1,793 4,208 4,231 4,515 5,747 7,063 7,533
270 294 301 299 296 300 302
CWIP 0 0 0 0 1 2 0
Investments 167 1,879 1,484 848 607 427 281
1,356 2,035 2,446 3,368 4,843 6,334 6,950
Total Assets 1,793 4,208 4,231 4,515 5,747 7,063 7,533

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-368 -383 -275 -822 -1,245 -1,155
146 -1,863 375 652 206 158
395 2,291 -187 183 1,071 1,037
Net Cash Flow 173 45 -87 13 32 40

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 4% 8% 5% 10% 11%

Shareholding Pattern

Numbers in percentages

2 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
64.05% 63.74% 60.66% 55.19% 55.05%
2.74% 2.23% 2.86% 4.72% 4.56%
12.42% 11.94% 13.53% 16.24% 16.26%
20.36% 21.88% 22.77% 23.70% 24.01%
0.45% 0.22% 0.17% 0.16% 0.11%
No. of Shareholders 1,19,1091,29,4701,35,7681,38,9911,63,595

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls