SBFC Finance Ltd.
NSE: SBFC · Non Banking Financial Company (NBFC)
Snapshot
Unlock SBFC Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
SBFC Finance Limited is a non-banking financial company that provides secured MSME loans and gold loans to entrepreneurs and individual customers. The company also offers loan management services to various financial institutions, including private and public sector banks.
Business Model
The company generates revenue primarily through interest income on its secured loan portfolio and fee-based income from providing loan management services to third-party financial institutions.
- Incorporation Year:2008
Growth Outlook
Growth is driven by the increasing demand for credit among micro, small, and medium enterprises in India and the expansion of its secured lending footprint.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on their MSME or gold loan obligations.
- Interest Rate Risk. Fluctuations in interest rates may impact the company's net interest margins and cost of borrowing.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India.
- Concentration Risk. A significant portion of the portfolio is concentrated in the MSME sector, making the company vulnerable to economic downturns affecting small businesses.
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Key Metrics
REVENUE
₹1,782 Cr
TTM · standalone
NET PROFIT
₹480 Cr
TTM · standalone
EPS
₹4.38
TTM · standalone
RETURN ON EQUITY
13.9%
TTM · standalone
P/E
22.8x
Q1 FY27 · standalone
NET PROFIT MARGIN
26.5%
Q1 FY27 · standalone
DEBT TO EQUITY
2.3%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
SBFC Finance Ltd.SBFC | ₹11,082 Cr | 22.85 | — | 27.6% | — | 13.9% | — | -5.9% |
Five-Star Business Finance Ltd.FIVESTAR | ₹15,439 Cr | 13.96 | — | 9.8% | — | 16.1% | — | -0.7% |
Mrugesh TradingMRUTR | ₹7,842 Cr | -69.14 | — | -2.2% | — | -0.3% | — | +17991.7% |
Bengal & Assam Company LimitedBENGALASM | ₹7,222 Cr | 9.47 | — | — | — | 7.6% | — | -24.7% |
Paisalo Digital LimitedPAISALO | ₹6,740 Cr | 26.75 | — | 22.7% | — | 15.1% | — | +115.6% |
Fedbank Financial Services LimitedFEDFINA | ₹6,051 Cr | 15.78 | — | 13.8% | — | 14.0% | — | +16.6% |
As of Q1 FY27
Financials
SBFC Finance Ltd.
NSE: SBFC · Non Banking Financial Company (NBFC)
Snapshot
Unlock SBFC Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
SBFC Finance Limited is a non-banking financial company that provides secured MSME loans and gold loans to entrepreneurs and individual customers. The company also offers loan management services to various financial institutions, including private and public sector banks.
Business Model
The company generates revenue primarily through interest income on its secured loan portfolio and fee-based income from providing loan management services to third-party financial institutions.
- Incorporation Year:2008
Growth Outlook
Growth is driven by the increasing demand for credit among micro, small, and medium enterprises in India and the expansion of its secured lending footprint.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on their MSME or gold loan obligations.
- Interest Rate Risk. Fluctuations in interest rates may impact the company's net interest margins and cost of borrowing.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India.
- Concentration Risk. A significant portion of the portfolio is concentrated in the MSME sector, making the company vulnerable to economic downturns affecting small businesses.
Start your research today
Unlock AI insights, financials, peers and live data on SBFC Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,782 Cr
TTM · standalone
NET PROFIT
₹480 Cr
TTM · standalone
EPS
₹4.38
TTM · standalone
RETURN ON EQUITY
13.9%
TTM · standalone
P/E
22.8x
Q1 FY27 · standalone
NET PROFIT MARGIN
26.5%
Q1 FY27 · standalone
DEBT TO EQUITY
2.3%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27