SBFC Finance Financials

NSE: SBFC | BSE: 543959

₹88.25

₹0.56 (0.64%)

As on 04-Nov-2026IST

Market cap

₹9,821 Cr

Revenue (TTM)

₹1,917 Cr

P/E Ratio

19.3

P/B Ratio

2.4

Div. Yield

0 %

Income Statement (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Operating Income	1,917.45	1,678.82	1,305.12	1,018.54	732.81	529.05
Other Income	0.73	0.68	0.99	1.28	7.55	3.98
Total Income	1,918.18	1,679.50	1,306.11	1,019.82	740.36	533.03
Interest Expense	631.82	539.21	420.79	352.50	278.19	222.07
Operating Expenses	584.49	516.60	409.99	337.85	248.01	212.48
Exceptional Income/Expenses	--	--	--	--	--	--
Profit before Tax	681.90	603.59	458.52	316.06	201.45	86.70
Taxes	172.10	152.76	113.35	79.04	51.65	22.18
Profit after Tax	509.80	450.83	345.17	237.02	149.80	64.52
Minority Interest	--	--	--	--	--	--
Share of Associate	--	--	--	--	--	--
Consolidated Profit	509.80	450.83	345.17	237.02	149.80	64.52

Liabilities (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Shareholder's Funds	4,049.10	3,725.15	3,190.13	2,778.26	1,727.33	1,287.17
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	13.26	4,910.05	3,678.94	2,888.80	3,751.81	2,959.61
Current Liabilities	9,622.36	2,434.56	1,847.98	1,599.79	267.38	336.89
Total Liabilities	13,684.72	11,085.85	8,717.04	7,266.84	5,746.51	4,583.66

Assets (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Non-Current Assets	347.88	10,157.06	7,971.63	6,729.74	5,143.16	3,534.24
Current Assets	13,327.12	912.69	745.41	537.10	603.35	1,049.43
Total Assets	13,684.72	11,085.85	8,717.04	7,266.84	5,746.51	4,583.66
Contingent Liabilities	--	1.57	2.44	1.39	0.64	1.05

Cashflow (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash From Operating Activities	--	-1,892.70	-1,415.26	-1,155.35	-1,244.59	-821.64
Cash Flow from Investing Activities	--	130.99	175.62	158.37	205.87	651.82
Cash from Financing Activities	--	1,977.35	1,280.85	1,037.42	1,071.01	183.03
Net Cash Inflow / Outflow	--	215.64	41.21	40.43	32.28	13.20

Financials Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Adjusted EPS (₹)	4.61	4.08	3.18	2.21	1.68	0.80
Cash EPS (₹)	4.58	4.26	3.34	2.34	1.83	0.95
Adjusted Book Value (₹)	36.53	33.34	28.94	25.65	19.08	15.69
Dividend per Share (₹)	--	--	--	--	--	--
Cash Flow per Share (₹)	--	-17.12	-13.04	-10.78	-13.99	-10.18
Free Cash Flow per Share (₹)	--	-18.06	-13.81	-11.52	-14.14	-10.38

Profitability Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
ROCE (%)	--	11.82	11.55	10.92	9.90	7.53
ROE (%)	13.12	13.21	11.72	10.66	10.11	5.27
ROA (%)	4.34	4.56	4.32	3.64	2.90	1.46
EBIT Margin (%)	68.48	68.03	67.30	65.51	64.42	57.61
Net Margin (%)	26.58	26.84	26.43	23.24	20.23	12.10
Cash Profit Margin (%)	--	28.05	27.74	24.59	22.18	14.42

Growth Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Revenue Growth (%)	28.43	28.63	28.14	38.99	38.51	4.33
EBIT Growth (%)	31.04	30.03	31.63	41.35	54.89	-12.66
Net Profit Growth (%)	26.68	30.61	45.63	58.23	132.17	-24.10
EPS Growth (%)	27.87	28.19	43.85	31.31	110.56	-25.05
Book Value Growth (%)	--	17.42	14.21	61.99	34.08	6.96

Valuation Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Price / Earnings	19.26	19.86	27.76	37.01	--	--
Price / Book Value	2.42	2.43	3.05	3.19	--	--
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	12.58	13.33	16.12	18.26	8.59	10.64
Close Price (₹)	85.48	80.95	88.24	81.95	--	--
High Price (₹)	123.00	123.00	105.81	98.00	--	--
Low Price (₹)	79.60	79.60	77.00	57.00	--	--
Market Cap (₹ Cr)	9,820.52	8,953.99	9,582.16	8,771.26	--	--

Solvency Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Debt to Equity	--	1.94	1.68	1.45	2.20	2.32
Short term debt to equity ratio	--	0.61	0.54	0.48	--	--
Current Ratio	1.39	0.37	0.40	0.34	2.26	3.12
Quick Ratio	1.39	0.37	0.40	0.34	7.60	6.18
Interest Coverage	2.08	2.12	2.09	1.90	1.72	1.39

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)