SBFC Finance Limited
SBFC · General/Diversified · NSE
₹92
Current Market Price
Fair Value (P/B + Residual Income)
₹82
Discount to FV
-10.7%
Updated just now
YieldIQ Score
51/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
14%
ROE
10.8%
Debt/Equity
1.65
Cost of Equity
10.5%
Market Cap
₹10,134 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
6.5%
Return on capital employed
Revenue CAGR (3Y)
16.1%
3-year revenue growth
Revenue CAGR (5Y)
29.0%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹91.63
Bear case
Discount -60.0%
Base case
Discount -12.0%
Bull case
Discount +20.0%
Ratio Trends
SBFC · last 4 annual periods
ROE
10.8%
ROCE
6.5%
Operating Margin
—
Debt / Equity
1.65×
PE
—
EV / EBITDA
—
Historical Financials
SBFC · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹410 Cr | ₹637 Cr | ₹937 Cr | ₹1266 Cr | ₹1660 Cr | +41.9% |
| EBITDA | ₹115 Cr | ₹219 Cr | ₹337 Cr | ₹530 Cr | ₹735 Cr | +59.0% |
| EBIT | — | — | ₹667 Cr | — | — | +0.0% |
| PAT | ₹64.5 Cr | ₹150 Cr | ₹237 Cr | ₹345 Cr | ₹451 Cr | +62.6% |
| EPS (diluted) | — | — | ₹2.30 | — | — | +0.0% |
| CFO | ₹-822 Cr | ₹-1245 Cr | ₹-1155 Cr | ₹-1415 Cr | ₹-1893 Cr | — |
| CapEx | ₹-9.7 Cr | ₹-8.5 Cr | ₹-11.9 Cr | ₹-11.7 Cr | ₹-14.7 Cr | — |
| FCF | ₹-831 Cr | ₹-1253 Cr | ₹-1167 Cr | ₹-1427 Cr | ₹-1907 Cr | — |
| Total Assets | ₹4515 Cr | ₹5746 Cr | ₹7063 Cr | ₹8596 Cr | ₹11.1K Cr | +25.2% |
| Total Debt | ₹2940 Cr | ₹3739 Cr | ₹3996 Cr | ₹5264 Cr | ₹7162 Cr | +24.9% |
| Shareholders' Equity | ₹1287 Cr | ₹1727 Cr | ₹2778 Cr | ₹3190 Cr | ₹3725 Cr | +30.4% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
SBFC vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 FIVESTAR FIVESTAR | — | — | Pending | 14.9% | — |
 IFCI IFCI | — | — | Pending | 2.0% | 71.3× |
 CGCL CGCL | — | — | Pending | 13.2% | 16.9× |
 IIFL IIFL | — | — | Pending | 11.9% | — |
MASFIN MASFIN | — | — | Pending | 12.5% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for SBFC in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. SBFC Finance Limited (SBFC.NS) trades at 91.63 vs a model fair value of 81.82, a gap of -10.7%. Piotroski F-score: 7/9. Moat label: None....
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of SBFC →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for SBFC →
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Head-to-head with peers
Compare SBFC side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
Analyse SBFCNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.