SBFC Finance Limited share price

Key numbers

Market cap

₹ 9,848 Cr

Current price

₹ 88.86

52-week high / low

₹ 123 / 80

Stock P/E

20.4

Book value

₹ 33.7

Dividend yield

0.00%

ROCE

7.2%

ROE

13.0%

Debt to equity

1.92

Sales growth (3 yrs)

37.0%

Profit growth (3 yrs)

44.4%

1-year return

-20.8%

About SBFC Finance Limited

SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. The company offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services. It also operates as a corporate agent of insurance products. It serves entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals, and other individual customers. SBFC Finance Limited was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.

Quarterly results

Consolidated figures in ₹ crores

Concall summary (2026-07-31)

AI summary of the earnings call transcript · tone: Positive · source document

Guidance & outlook

• We close the quarter at 14.7% ROE and our guidance for the coming quarter remains unchanged on all fronts.
• The guidance for the year of 25 bps reduction remains unchanged.

Growth & demand

• When we did our strategy meeting charting out our growth from INR 10,000 crores to INR 20,000 crores, we concluded that the risks ahead never remain the same.
• AUM grew 6% for the quarter at 27%- odd for the full year at INR 11,922 crores.

Margins & costs

• Aided by the transmission of repo rate cuts, our cost of funds has come down by about 90 basis points year on year.
• Capital allocation discipline helped us protect spreads, which improved by 39 bps at 9.4% driven by both a lower cost of borrowing and better pricing on the asset side.

Capex & expansion

• On the household side, the incomes haven't materially changed over the year, but inflation has quietly eaten into the disposable income, denting repayment capacity.
• We generally base our expansion on profitability metrics and once those returns come in, that's when we do further expansion.

Balance sheet & cash

• The sub-10 lakh segment in particular is showing signs of leveraged stress and warrants close monitoring.
• Our cost of borrowing for the quarter is at 8.42% which has reduced 90 bps Y-o-Y and 10 bps Q-o-Q.

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