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NSE SBFC · BSE 543959 · Consumer Financial Services · NIFTY 500

SBFC Finance Share Price

Market closed · updated 25 Sep, 4:50 PM IST
₹89.00 ▼ −₹2.54 · 2.77% NSE · as of 24 Sep 2026, 9:59 AM · BSE ₹88.80
Today's range
₹88.70Low₹91.20High
52-week range
₹79.61Low · 30 Mar 2026₹123.00High · 3 Nov 2025

SBFC Finance Overview

Where the price stands, how it has moved and how it sits against its averages.

SBFC Finance shares last traded at ₹89.00 on the NSE, down 2.77% on the day. That is 27.6% below the 52-week high of ₹123.00 and 11.8% above the 52-week low of ₹79.61. The stock trades at 20.72× earnings, below the sector average of 23.98. Its market value is ₹9,846 Cr.

Price returns

1 Day▼ −2.77%
5 Days▼ −2.62%
This month▼ −7.70%
3 Months▼ −0.86%
6 Months▲ +7.98%
This year▼ −12.34%
1 Year▼ −18.31%

Against the market: 1 Month ▼ −6.63% · 3 Months ▲ +2.01% · 6 Months ▲ +8.62% · This year ▼ −0.17% · 1 Year ▼ −10.37%

Shading grows with the size of the move. Prices refresh every 15 minutes while the market is open (9:15 AM–3:30 PM IST); next update from Mon 28 Sep, 9:15 AM.

Moving averages — price is above 0 of 6

  1. 20-day average₹96.84 ▼ price 8.1% below
  2. 300-day average₹95.15 ▼ price 6.5% below
  3. 10-day average₹94.91 ▼ price 6.2% below
  4. 50-day average₹94.44 ▼ price 5.8% below
  5. 100-day average₹93.38 ▼ price 4.7% below
  6. 5-day average₹92.21 ▼ price 3.5% below
  7. Today's price₹89.00

Averages above today's price sit higher on the ladder. Price above most of its averages is usually read as an upward trend.

SBFC Finance Financial Results

Revenue and net profit in ₹ crore, with the full statements underneath.

Revenue₹ crore
1,679
Net profit₹ crore · losses below zero
451

Year by year

Fiscal yearRevenueGrowthNet profitNet marginEPSDividend
FY 2026 ₹1,679 Cr ▲ +28.5% ₹451 Cr 26.9% ₹4.10 —
FY 2025 ₹1,306 Cr ▲ +30.4% ₹345 Cr 26.4% ₹3.15 —
FY 2024 ₹1,001 Cr ▲ +36.6% ₹237 Cr 23.7% ₹2.30 —
FY 2023 ₹733 Cr ▲ +42.8% ₹150 Cr 20.4% ₹1.41 ₹0.00
FY 2022 ₹513 Cr ▲ +3.1% ₹65 Cr 12.6% ₹0.61 ₹0.00
FY 2021 ₹498 Cr ▲ +15.0% ₹85 Cr 17.1% ₹0.80 ₹0.00
FY 2020 ₹433 Cr — ₹36 Cr 8.2% ₹0.33 ₹0.00

Balance sheet — FY26

Owes (liabilities)Shareholders' equity
66%
34%
  • Total assets₹11,085 Cr
  • Total liabilities₹7,360 Cr
  • Shareholders' equity₹3,725 Cr
  • Total debt₹7,186 Cr
  • Cash & investments₹480 Cr
  • Revenue growth, 5 yr27.51% a year
  • EPS growth, 5 yr38.67% a year
  • Operating margin (TTM)67.54%
  • Net margin (TTM)27.07%

Cash flow — FY26

Operating activities
▼ −₹1,893 Cr
Investing activities
▲ ₹131 Cr
Financing activities
▲ ₹1,977 Cr
Free cash flow
▼ −₹1,907 Cr
Net change in cash
▲ ₹216 Cr

Right of the line = cash coming in, left = cash going out. Free cash flow = cash from operations minus capital spending.

Full financial statements, FY20–FY26
₹ croreFY20FY21FY22FY23FY24FY25FY26
Total revenue433.18497.99513.33732.811,001.361,306.161,678.82
Cost of revenue———————
Gross profit———————
Operating expenses139.99158.78212.53261.34353.09428.60538.50
Operating income293.19339.21300.80471.47648.27877.561,140.33
Depreciation8.189.5411.7812.7113.4116.8120.11
Profit before tax58.61114.0786.70201.37316.14458.73603.59
Tax23.1229.0622.1851.6379.04113.43152.76
Net profit35.5085.0164.52149.74237.10345.30450.83
EPS (₹)0.330.800.611.412.303.154.10
Dividend per share (₹)0.000.000.000.00———

What Analysts Say

7 analysts

Recommendations from 7 analysts who cover SBFC Finance.

Strong Buy average rating 1.71 on a 1–5 scale

▲ 6 bullish (85.7%) · 0 hold (0.0%) · ▼ 1 bearish (14.3%)

Votes

Strong Buy
4 (57%)
Buy
2 (29%)
Hold
0 (0%)
Sell
1 (14%)
Strong Sell
0 (0%)

How the votes changed

Rating3M ago2M ago1M ago1W agoNow3-month change
Strong Buy55444 ▼ −1
Buy11222 ▲ +1
Hold00000 —
Sell11111 —
Strong Sell00000 —

Analyst ratings are opinions, not a guarantee of returns.

SBFC Finance vs Peers

Side by side with other consumer financial services companies. The small bars compare each column.

CompanyPriceChangeMarket capP/EP/BROE (5 yr)Net marginDiv. yieldRating
SBFC Finance ₹89.00 ▼ −2.77% ₹9,846 Cr 20.72 2.71 10.90% 27.07% 0.00% This stock
Bajaj Finance ₹983.15 ▼ −5.47% ₹6,12,105 Cr 25.01 5.76 19.79% 23.72% 0.51% Moderately Bearish
Shriram Finance ₹991.50 ▼ −1.54% ₹2,33,298 Cr 13.87 2.95 16.15% 20.94% 1.04% Bearish
Jio Financial Services ₹229.00 ▼ −1.17% ₹1,51,212 Cr 95.47 1.15 1.11% 49.84% 0.21% Bearish
Tata Capital ₹334.55 ▼ −4.43% ₹1,42,033 Cr 20.47 3.26 14.39% 15.95% 0.16% Bearish
Power Finance Corporation ₹339.50 ▼ −2.08% ₹1,12,038 Cr 5.42 1.01 20.90% 29.13% 4.58% Bearish

Rating = the data provider's overall technical view of each peer. Company names link to their own pages.

Shareholding Pattern

Who owns SBFC Finance shares, quarter by quarter (latest on top).

PromoterFIIMFOther
Jun '26
52.3%
15.6%
24.9%
Mar '26
Dec '25
Sep '25
HolderSep '25Dec '25Mar '26Jun '26Change
Promoter52.98%52.82%52.35%52.31% ▼ −0.04 pts
FII7.01%6.88%6.21%7.22% ▲ +1.01 pts
MF15.38%15.25%15.77%15.56% ▼ −0.21 pts
Other24.63%25.05%25.67%24.91% ▼ −0.76 pts

SBFC Finance Key Metrics

Each ratio placed against a benchmark — the sector average, the company's own 5-year average, or a common rule of thumb.

SBFC FinanceBenchmarkComfortable → stretched

Valuation Is the price reasonable?

P/E (TTM)Price ÷ yearly earnings per share
20.72
▼ 14% below the sector average of 23.98
P/E, 12-month rangeLow 19.89 · high 45.85
3%
Today's P/E sits 3% of the way from its low to its high
P/BPrice ÷ book value per share
2.71
P/SPrice ÷ sales per share
5.70
P/CFPrice ÷ cash flow per share
20.22
PEGP/E ÷ earnings growth (≈1 is fair)
0.49

Profitability Of every ₹100 of sales, how much is kept?

Operating marginKept after running costs
67.54%
▲ above its 5-yr average of 65.71%
Pre-tax marginKept before tax
36.20%
▲ above its 5-yr average of 31.85%
Net marginKept as profit
27.07%
▲ above its 5-yr average of 23.84%

Returns & efficiency How well does it use its money?

Return on equityProfit on shareholders' money
13.04%
▲ above its 5-yr average of 10.90%
Return on assetsProfit on everything it owns
4.58%
▲ above its 5-yr average of 3.72%
Return on investmentProfit on long-term capital
5.78%
▲ above its 5-yr average of 4.26%

Growth Is the business getting bigger?

Revenue — last 12 months
+28.9%
▲ growing (off the scale)
Revenue — 3 yr, a year
+31.8%
▲ growing (off the scale)
Revenue — 5 yr, a year
+27.5%
▲ growing (off the scale)
EPS — last 12 months
+29.6%
▲ growing (off the scale)
EPS — 3 yr, a year
+42.8%
▲ growing (off the scale)
EPS — 5 yr, a year
+38.7%
▲ growing (off the scale)
Book value — 5 yr, a year
+24.4%
▲ growing

Financial strength Can it pay its bills and debts?

Debt to equityBorrowings for every ₹1 of shareholders' money
1.93×
! High debt
Interest coverOperating profit ÷ interest to pay
2.36×
• Adequate
Payout ratioShare of profit paid as dividend
0.00%
• Keeps most

Per share What each share stands for

EPS (TTM)
₹4.33
Book value
₹33.69
Cash flow
₹4.51
Dividend
₹0.00
Revenue
₹16.00

The share price is 2.64× the book value behind each share.

Benchmarks: sector averages and 5-year averages come from the data provider; the debt and liquidity bands are common rules of thumb, not investment advice.

All 97 metrics from the data provider

Valuation

P/E excluding extraordinary items, most recent fiscal year22.27
Current Dividend Yield - Common Stock Primary Issue, LTM0.00
Price to Book - most recent fiscal year2.71
P/E Basic excluding extraordinary items - TTM20.72
P/E including extraordinary items - TTM21.06
P/E excluding extraordinary items low, trailing 12 months19.89
Price to Tangible Book - most fiscal year2.92
Price to sales - most recent fiscal year6.02
Price to Cash Flow per share - trailing 12 month20.22
Peg Ratio0.49
P/E Normalized, most recent fiscal year18.44
P/E excluding extraordinary items high, trailing 12 months45.85
P/E excluding extraordinary items, most recent fiscal year quarter21.06
Price to sales - trailing 12 month5.70
Net Debt, LFY67,060.06

Per share

Cash Flow per share - trailing 12 month4.51
Cash Flow per share - most recent fiscal year4.28
EPS including extraordinary items - trailing 12 month4.33
EPS including extraordinary items - most recent fiscal year4.10
EBITD per share - trailing 12 month12.27
Revenue/share - trailing 12 month16.00
EPS excluding extraordinary items - trailing 12 month4.33
EPS Basic excluding extraordinary items - most recent fiscal year4.13
EPS Basic excluding extraordinary items - trailing 12 month4.38
Book value per share - most recent fiscal year33.69
Revenue/share - most recent fiscal year15.25
EPS Normalized - most recent fiscal year4.95
Book value (tangible) per share - most recent fiscal year31.28
Dividends per share - trailing 12 month0.00
EPS excluding extraordinary items - most recent fiscal year4.10
Cash per share - most recent fiscal year4.34

Margins

Operating margin - trailing 12 month67.54
Operating margin - 1st historical fiscal year67.92
Operating Margin - 5 year average65.71
Net Profit Margin % - 1st historical fiscal year26.85
Net Profit Margin % - trailing 12 month27.07
Net Profit Margin - 5 year average23.84
Pretax Margin - 5 year average31.85
Pretax margin - 1st historical fiscal year35.95
Pretax margin - trailing 12 month36.20
Free Operating Cash Flow/Revenue, 5 Year Average−125.87

Growth

EPS Change %, TTM over TTM29.63
Revenue growth rate, 5 year27.51
EPS growth rate, 5 year38.67
Revenue Change % - most recent quarter 1 year ago28.33
Growth rate% - EPS, 3 year42.78
Revenue/share (5 yr growth)26.66
Tangible Book Value, Total Equity, 5 Year CAGR29.69
Capital Spending growth rate, 5 year0.47
Revenue Change %, TTM over TTM28.88
Growth rate% - Revenue, 3 year31.83
Book value per share growth rate, 5 year24.37
EPS Change % - most recent quarter 1 year ago28.57
Net Profit Margin growth rate, 5 year9.48
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR27.47
Total Debt, 5 Year CAGR20.85

Financial strength

Net Interest coverage - most recent fiscal year2.36
Free Cash Flow - most recent fiscal year−19,073.83
LT debt/equity - most recent fiscal year1.32
Payout ratio - trailing 12 month0.00
Current EV/Free Cash Flow, LFY36.85
Total debt/total equity - most recent fiscal year1.93
Net Interest coverage - trailing 12 month2.41
Payout ratio - most recent fiscal year0.00

Returns & efficiency

Return on average equity - 5 year average10.90
Net Income/employee - trailing 12 month9,49,683.50
Revenue/employee - most recent fiscal year35,91,445.00
Return on investment - most recent fiscal year5.78
Return on average assets - most recent fiscal year4.58
Receivables turnover - most recent fiscal year90.44
Revenue/employee - trailing 12 month35,08,809.00
Return on average assets - 5 year average3.72
Net Income/employee - most recent fiscal year9,64,451.80
Asset turnover - most recent fiscal year0.17
Return on average equity - most recent fiscal year13.04
Return on investment - 5 year average4.26

Price & volume

Market Cap9,913.91
52 week Low Date30 Mar 2026
Price - 1 Day % Change0.88
Relative (S&P500) price percent change - 13 week2.01
Avg trading volume last 10 days0.84
Price - 13 week price percent change−0.86
Price - 52 week price percent change−18.31
Avg Trading Volume Last 3 months37.69
Price - 5 Day % Change−2.62
Price % Change Month To Date−7.70
Relative (S&P500) price percent change - 04 week−6.63
52 week High Date3 Nov 2025
Price - 26 week price percent change7.98
PDATE23 Sep 2026
Price - YTD price percent change−12.34
Relative (S&P500) price percent change - 52 week−10.37
NPRICE91.21
Relative (S&P500) price percent change - 26 week8.62
52 week Low79.60
52 week High123.00
Relative (S&P500) price percent change - Year to Date−0.17

Dividends & Corporate Events

Payouts to shareholders, splits and bonus issues, and company meetings — newest first.

  • Dividend yield0.00%
  • Payout ratio0.00%

No dividends on record.

Corporate calendar

  • BoardQuarterly Results
  • MeetingAnnual General Meeting
  • BoardAudited Results & Others
  • MeetingPostal Ballot
  • BoardQuarterly Results
  • MeetingPostal Ballot
  • BoardOthers
  • BoardQuarterly Results
Show 6 older events
  • MeetingAnnual General Meeting
  • BoardOthers
  • BoardAudited Results & Fund Raising
  • MeetingPostal Ballot
  • BoardQuarterly Results
  • MeetingAnnual General Meeting

About SBFC Finance

Consumer Financial Services

SBFC Finance Limited is a non-banking finance company. The Company provides secured micro-small and medium enterprises (MSME) loans and loans against gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. It has developed a PhyGital model. By combining digital technology with personal relationships, it builds bonds with its customers and offers support. It also offers a suite of specialist loan management services, helping institutional lenders to manage all aspects of loan servicing including client relations, collections, payments, porting, and data storage. In addition to providing loans direct to customers, it offers specialist change (LMS) to third party financial institutions. It handles the porting of repayment modes (NACH/ECS) and can transfer equated monthly instalments between accounts. It provides support to clients, including phone calls, short message services, and others.

Key people

  • Mahesh DayaniChief Executive Officer, Managing Director, Executive Director
  • Aseem DhruExecutive Vice Chairman of the Board
  • Sanket AgrawalChief Financial Officer
  • Namrata SajnaniChief Compliance Officer, Company Secretary

Company facts

  • NSE symbolSBFC
  • BSE code543959
  • ISININE423Y01016
  • IndustryConsumer Financial Services
  • IndexNIFTY 500
  • Market cap₹9,846 Cr
  • Revenue (FY26)₹1,679 Cr
  • Net profit (FY26)₹451 Cr

In the News

Recent headlines about SBFC Finance — they open on Mint in a new tab.

Stock data comes from the exchange feed via our data provider and may be delayed. It is for information only and is not a recommendation to buy or sell. See all stocks →

Frequently Asked Questions

SBFC Finance (NSE: SBFC) last traded at ₹89.00 on the NSE, down 2.77% (₹2.54) on the day, as of 24 Sep 2026, 9:59 AM. On the BSE it was ₹88.80. The day's range was ₹88.70 – ₹91.20.

SBFC Finance's 52-week high is ₹123.00 (3 Nov 2025) and its 52-week low is ₹79.61 (30 Mar 2026). At ₹89.00 the share is 27.6% below its high and 11.8% above its low.

SBFC Finance's market capitalisation is ₹9,846 Cr (₹9,846 Cr). It is part of the NIFTY 500 index.

SBFC Finance's P/E ratio (trailing 12 months) is 20.72. The sector average is 23.98, so investors pay 14% less for each rupee of its earnings than for the average company in its sector. Its earnings per share (TTM) are ₹4.33.

SBFC Finance shares are down 18.31% over the last year, down 12.34% so far this year, up 7.98% over 6 months, down 0.86% over 3 months. Over the last year the stock did 10.37% worse than the market.

In FY26 (year to Mar 2026), SBFC Finance reported revenue of ₹1,679 Cr (up 28.53% on the year before) and a net profit of ₹451 Cr. Earnings per share were ₹4.10.

There is no dividend on record for SBFC Finance in the data shown on this page.

Of 7 analysts covering SBFC Finance, 6 are bullish (4 strong buy, 2 buy), 0 say hold and 1 are bearish. The consensus is Strong Buy (average rating 1.71 on a scale where 1 is Strong Buy and 5 is Strong Sell). Analyst views are opinions, not a guarantee.

As of Jun 2026: Promoter 52.31%, FII 7.22%, MF 15.56%, Other 24.91%. Promoter holding fell by 0.04 percentage points from Mar 2026.

SBFC Finance's listed peers in Consumer Financial Services include Bajaj Finance, Shriram Finance, Jio Financial Services, Tata Capital, Power Finance Corporation. By market capitalisation it ranks #6 of 6 in this group.