SBFC Finance Limited
SBFC · General/Diversified · NSE
₹98
Current Market Price
Fair Value (DCF)
₹56
Margin of Safety
-43.2%
Updated 1d ago
YieldIQ Score
40/100
Piotroski F-Score
5/9
Economic Moat
Narrow
Confidence
15%
ROE
10.8%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.11 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
7.8%
Return on capital employed
EV / EBITDA
24.3×
Enterprise multiple
Debt / EBITDA
8.1×
Leverage vs earnings
Interest Coverage
7.6×
EBIT covers interest
Current Ratio
1.75×
Short-term liquidity
Asset Turnover
0.17×
Revenue per ₹ of assets
Revenue CAGR (3Y)
32.0%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹97.95
Bear case
₹23.17
MoS -322.7%
Base case
₹55.6
MoS -76.2%
Bull case
₹87.49
MoS -12.0%
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 4 years· amounts in ₹Cr unless noted
| Metric | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹410 Cr | ₹637 Cr | ₹279 Cr | ₹1237 Cr | +44.5% |
| EBITDA | ₹115 Cr | ₹219 Cr | ₹337 Cr | ₹545 Cr | +68.0% |
| EBIT | — | — | ₹186 Cr | — | +0.0% |
| PAT | ₹64.5 Cr | ₹150 Cr | ₹73.7 Cr | ₹345 Cr | +74.9% |
| EPS (diluted) | — | — | ₹0.67 | — | +0.0% |
| CFO | ₹-822 Cr | ₹-1245 Cr | ₹-1155 Cr | ₹-1415 Cr | — |
| CapEx | ₹-9.7 Cr | ₹-8.5 Cr | — | ₹-11.7 Cr | — |
| FCF | ₹-831 Cr | ₹-1253 Cr | — | ₹-1427 Cr | — |
| Total Assets | ₹4515 Cr | ₹5746 Cr | ₹7063 Cr | ₹8596 Cr | +23.9% |
| Total Debt | ₹2940 Cr | ₹3739 Cr | ₹3601 Cr | ₹5264 Cr | +21.4% |
| Shareholders' Equity | ₹1287 Cr | ₹1727 Cr | ₹2778 Cr | ₹3190 Cr | +35.3% |
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 | 17.0% | — |
| IFCI IFCI Limited | -63.4% | 38 | Data Limited | 113.4% | — |
| CGCL CGCL | — | — | Pending | 11.1% | — |
| IIFL IIFL | — | — | Pending | 2.7% | — |
| MASFIN MASFIN | — | — | Pending | 11.7% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for SBFC in the last 10 years.
Reverse DCF
Market-implied growth
What FCF growth is priced in →
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 →
Compare
Head-to-head with peers
Compare SBFC side by side →
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Interactive DCF sliders, sensitivity heatmap, 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.