SBFC Finance Ltd

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

SBFC Finance Ltd

₹ 84.5 -2.55%
20 Dec - 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 ₹ 9,154 Cr.
  • Current Price ₹ 84.5
  • High / Low ₹ 106 / 72.2
  • Stock P/E 30.4
  • Book Value ₹ 27.6
  • Dividend Yield 0.00 %
  • ROCE 10.9 %
  • ROE 10.5 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 3.07 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%

* 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 MidSmallcap 400 BSE SmallCap BSE Allcap Nifty Smallcap 250

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 230 246 264 279 298 314
Interest 89 89 85 88 95 100
75 83 90 90 94 100
Financing Profit 66 74 89 100 109 114
Financing Margin % 29% 30% 34% 36% 37% 36%
0 0 0 1 0 0
Depreciation 3 3 3 4 4 4
Profit before tax 63 71 86 97 105 110
Tax % 25% 26% 25% 24% 25% 24%
47 53 64 74 79 84
EPS in Rs 0.51 0.49 0.60 0.69 0.73 0.78
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 529 734 1,019 1,155
Interest 222 278 352 368
210 247 338 375
Financing Profit 97 209 329 412
Financing Margin % 18% 28% 32% 36%
1 5 1 1
Depreciation 12 13 13 15
Profit before tax 87 201 316 398
Tax % 26% 26% 25%
65 150 237 301
EPS in Rs 0.77 1.67 2.21 2.80
Dividend Payout % -0% -0% -0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 39%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 58%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -5%
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: 11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 807 890 1,072 1,076
Reserves 480 838 1,706 1,893
2,940 3,739 3,996 4,413
288 280 289 152
Total Liabilities 4,515 5,746 7,063 7,534
299 296 300 302
CWIP -0 1 2 -0
Investments 848 607 406 260
3,368 4,843 6,355 6,971
Total Assets 4,515 5,746 7,063 7,534

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024
-822 -1,245 -1,155
652 206 159
183 1,071 1,037
Net Cash Flow 13 32 41

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024
ROE % 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls