SBFC Finance Limited (NSE:SBFC)
India · Delayed Price · Currency is INR | Market Cap | 104.49B +3.6% |
| Revenue (ttm) | 10.17B +25.7% |
| Net Income | 4.51B +30.6% |
| EPS | 4.10 +30.2% |
| Shares Out | 1.11B |
| PE Ratio | 23.05 |
| Forward PE | 19.74 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 348,218 |
| Average Volume | 1,980,718 |
| Open | 94.81 |
| Previous Close | 94.51 |
| Day's Range | 93.84 - 96.40 |
| 52-Week Range | 79.60 - 123.00 |
| Beta | 0.49 |
| RSI | 55.04 |
| Earnings Date | Apr 25, 2026 |
About SBFC Finance
SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. It offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services to small business owners, self-employed individuals, salaried and working-class individuals, entrepreneurs, and other individual customers, as well as micro, small, and medium enterprises. The company also operates as a corporate agent of insurance products. It serve... [Read more]
Financial Performance
In fiscal year 2026, SBFC Finance's revenue was 10.17 billion, an increase of 25.74% compared to the previous year's 8.09 billion. Earnings were 4.51 billion, an increase of 30.56%.
Financial StatementsNews
SBFC Finance Transcript: Q4 25/26
AUM grew 29% YoY to INR 11,270 crore, with gold loans up 63% and MSME loans up 22%. PAT rose 31% YoY to INR 451 crore, spreads and ROA remained strong, and capital adequacy is robust at 33%. Guidance for 5%-7% quarterly growth and stable credit costs continues.
SBFC Finance Transcript: Q3 25/26
AUM grew 29% YoY to INR 10,478 crore, with strong MSME and gold loan growth, and PAT up 34% YoY. Cost-to-income ratio improved to 35%, while management remains cautious on credit quality and macro risks. Gold loans will be kept near 20% of AUM.
SBFC Finance Transcript: Q2 25/26
AUM reached INR 10,000 crore with 29% YoY growth, and PAT rose 30% YoY. Asset quality remains under watch, especially in Karnataka and lower ticket segments, but guidance for 5-7% QoQ AUM growth and 15% ROE is maintained.
SBFC Finance Transcript: Q1 25/26
Quarterly PAT reached INR 101 crore, with AUM up 30% YoY and strong capital adequacy. Credit costs are expected to rise by 15-20 bps due to MSME stress, but ROE and AUM growth guidance remain intact. Gold loans are driving higher yields.
SBFC Finance Transcript: Q4 24/25
AUM grew 28% YoY to INR 8,747 crores, with PAT up 29% YoY for Q4 and 46% for the year. Asset quality remains stable, OPEX improved, and technology initiatives are driving efficiency. Guidance targets 5%-7% QoQ growth, 20-25 new branches, and continued focus on MSME and gold loans.
SBFC Finance Transcript: Q3 24/25
AUM grew 30% YoY and 6% QoQ, with profit up 38% YoY and 5% QoQ. NIMs, yields, and spreads remained stable, while cost-to-income and credit costs were well managed. Guidance for growth, cost, and credit quality is unchanged, with a 15% ROE targeted by next year.