Sbfc Finance Ltd
SBFC
Finance
₹ 110.87
Price
₹ 12,054
Market Cap
Mid Cap
34.92
P/E Ratio
📊 Score Snapshot
1.91 / 25
Performance
20.3 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
29.2 / 100
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🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|
| Adj Cash EPS | - | -11.53 | - | - | - | - | - |
| Adj Cash PAT | - | -1,236 | -1,262 | -838.90 | -268.69 | -329.60 | -382.15 |
| Adj Cash PAT To PAT | - | -5.22 | -8.45 | -12.96 | -3.16 | -9.16 | -15.93 |
| Adj EPS | 3.18 | 2.21 | - | - | - | - | - |
| Adj Number Of Shares | 108.49 | 107.24 | - | - | - | - | - |
| Adj PE | 28.25 | 37.78 | - | - | - | - | - |
| Adj Peg | 0.64 | - | - | - | - | - | - |
| Bvps | 29.40 | 25.90 | - | - | - | - | - |
| Cash Conversion Cycle | - | - | 5.00 | 6.00 | 3.00 | 3.00 | - |
| Cash Revenue | - | 2,030 | 2,193 | 1,605 | 1,549 | 1,345 | 531.00 |
| Cash Revenue To Revenue | - | 1.00 | 1.00 | 1.01 | 1.01 | 1.01 | 1.00 |
| Dso | - | - | 5.00 | 6.00 | 3.00 | 3.00 | - |
| Fcfe | - | -1,006 | -461.27 | -660.90 | -556.69 | 1,884 | 8.85 |
| Fcfe Margin | - | -49.56 | -21.03 | -41.18 | -35.93 | 140.09 | 1.67 |
| Fcfe To Adj PAT | - | -4.25 | -3.09 | -10.21 | -6.55 | 52.34 | 0.37 |
| Market Cap | 9,746 | 8,949 | - | - | - | - | - |
| PB | 3.06 | 3.22 | - | - | - | - | - |
| PE | 28.25 | 37.76 | - | - | - | - | - |
| Peg | 0.64 | - | - | - | - | - | - |
| PS | 7.47 | 4.39 | - | - | - | - | - |
| ROE | 11.56 | 10.51 | 9.91 | 5.20 | 7.66 | 3.81 | - |
| Share Price | 89.83 | 83.45 | - | - | - | - | - |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 361.00 | 666.00 | 628.00 | 594.00 | 558.00 | 792.00 | 738.00 | 690.00 | 624.00 | 567.00 | 528.00 | 480.00 |
| Interest | 118.00 | 106.00 | 100.00 | 95.00 | 88.00 | 85.00 | 89.00 | 89.00 | 79.00 | 76.00 | 62.00 | 60.00 |
| Expenses - | 113.00 | 105.00 | 100.00 | 94.00 | 91.00 | 90.00 | 83.00 | 75.00 | 69.00 | 63.00 | 64.00 | 54.00 |
| Financing Profit | 130.00 | 122.00 | 114.00 | 109.00 | 100.00 | 89.00 | 74.00 | 66.00 | 60.00 | 51.00 | 50.00 | 46.00 |
| Financing Margin % | 36.01 | 18.32 | 18.15 | 18.35 | 17.92 | 11.24 | 10.03 | 9.57 | 9.62 | 8.99 | 9.47 | 9.58 |
| Other Income - | 0.60 | 0.09 | 0.30 | 0.01 | 0.65 | 0.09 | 0.20 | 0.34 | 1.12 | 4.97 | 1.31 | 0.16 |
| Depreciation | 5.00 | 5.00 | 4.00 | 4.00 | 4.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 |
| Profit Before Tax | 126.00 | 117.00 | 110.00 | 105.00 | 97.00 | 86.00 | 71.00 | 63.00 | 58.00 | 53.00 | 48.00 | 43.00 |
| Tax % | 25.40 | 24.79 | 23.64 | 24.76 | 24.74 | 25.58 | 25.35 | 25.40 | 25.86 | 26.42 | 25.00 | 25.58 |
| Net Profit - | 94.00 | 88.00 | 84.00 | 79.00 | 73.00 | 64.00 | 53.00 | 47.00 | 43.00 | 39.00 | 36.00 | 32.00 |
| Profit For PE | 94.00 | 88.00 | 84.00 | 79.00 | 73.00 | 64.00 | 53.00 | 47.00 | 43.00 | 39.00 | 36.00 | 32.00 |
| Profit For EPS | 94.00 | 88.00 | 84.00 | 79.00 | 73.00 | 64.00 | 53.00 | 47.00 | 43.00 | 39.00 | 36.00 | 32.00 |
| EPS In Rs | 0.87 | 0.81 | 0.78 | 0.73 | 0.68 | 0.60 | 0.49 | 0.51 | 0.48 | 0.44 | 0.40 | 0.36 |
| PAT Margin % | 26.04 | 13.21 | 13.38 | 13.30 | 13.08 | 8.08 | 7.18 | 6.81 | 6.89 | 6.88 | 6.82 | 6.67 |
| PBT Margin | 34.90 | 17.57 | 17.52 | 17.68 | 17.38 | 10.86 | 9.62 | 9.13 | 9.29 | 9.35 | 9.09 | 8.96 |
| Tax | 32.00 | 29.00 | 26.00 | 26.00 | 24.00 | 22.00 | 18.00 | 16.00 | 15.00 | 14.00 | 12.00 | 11.00 |
| Yoy Profit Growth % | 29.00 | 38.00 | 60.00 | 68.00 | 72.00 | 63.00 | 48.00 | 46.00 | - | - | - | - |
| Adj PAT | 94.00 | 88.00 | 84.00 | 79.00 | 73.00 | 64.00 | 53.00 | 47.00 | 43.00 | 39.00 | 36.00 | 32.00 |
| Adj PAT Margin | 26.04 | 13.21 | 13.38 | 13.30 | 13.08 | 8.08 | 7.18 | 6.81 | 6.89 | 6.88 | 6.82 | 6.67 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|
| Sales | 1,305 | 2,038 | 2,202 | 1,587 | 1,530 | 1,335 | 531.00 |
| Interest | 419.00 | 352.00 | 278.00 | 222.00 | 239.00 | 244.00 | 50.00 |
| Expenses - | 412.00 | 338.00 | 247.00 | 210.00 | 149.00 | 134.00 | 89.00 |
| Financing Profit | 474.00 | 329.00 | 209.00 | 97.00 | 123.00 | 67.00 | 37.00 |
| Financing Margin % | 36.32 | 16.14 | 9.49 | 6.11 | 8.04 | 5.02 | 6.97 |
| Other Income - | 0.99 | 0.85 | 5.95 | 1.61 | 1.16 | 0.18 | 0.10 |
| Exceptional Items | - | -0.17 | -0.77 | -0.34 | -0.09 | - | -0.01 |
| Depreciation | 17.00 | 13.00 | 13.00 | 12.00 | 10.00 | 8.00 | 2.00 |
| Profit Before Tax | 459.00 | 316.00 | 201.00 | 87.00 | 114.00 | 59.00 | 35.00 |
| Tax % | 24.84 | 25.00 | 25.37 | 25.29 | 25.44 | 38.98 | 31.43 |
| Net Profit - | 345.00 | 237.00 | 150.00 | 65.00 | 85.00 | 36.00 | 24.00 |
| Exceptional Items At | - | - | -1.00 | - | - | - | - |
| Profit For PE | 345.00 | 237.00 | 150.00 | 65.00 | 85.00 | 36.00 | 24.00 |
| Profit For EPS | 345.00 | 237.00 | 150.00 | 65.00 | 85.00 | 36.00 | 24.00 |
| EPS In Rs | 3.18 | 2.21 | - | - | - | - | - |
| PAT Margin % | 26.44 | 11.63 | 6.81 | 4.10 | 5.56 | 2.70 | 4.52 |
| PBT Margin | 35.17 | 15.51 | 9.13 | 5.48 | 7.45 | 4.42 | 6.59 |
| Tax | 114.00 | 79.00 | 51.00 | 22.00 | 29.00 | 23.00 | 11.00 |
| Adj PAT | 345.00 | 236.87 | 149.43 | 64.75 | 84.93 | 36.00 | 23.99 |
| Adj PAT Margin | 26.44 | 11.62 | 6.79 | 4.08 | 5.55 | 2.70 | 4.52 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 44.00 | - | 31.00 | 29.00 | 18.00 | 11.00 | 27.00 |
| Average Total Assets | 7,830 | 7,056 | 6,405 | - | 5,131 | 4,373 | 4,220 | 3,000 | - |
| Average Total Equity | 2,984 | 2,784 | 2,253 | - | 1,508 | 1,246 | 1,108 | 946.00 | - |
| Borrowing | 5,264 | - | 3,996 | - | 3,739 | 2,940 | 2,768 | 3,056 | 842.00 |
| Cwip | - | - | 2.00 | - | 1.00 | - | - | - | - |
| Cash Equivalents | 429.00 | 259.00 | 466.00 | 714.00 | 401.00 | 335.00 | 341.00 | 416.00 | 196.00 |
| Fixed Assets | 308.00 | 302.00 | 300.00 | 296.00 | 296.00 | 299.00 | 301.00 | 294.00 | 270.00 |
| Gross Block | - | - | 344.00 | - | 328.00 | 328.00 | 319.00 | 305.00 | 297.00 |
| Investments | 327.00 | 281.00 | 427.00 | 476.00 | 607.00 | 848.00 | 1,484 | 1,879 | 167.00 |
| Loans N Advances | 7,504 | 6,596 | 9.00 | - | 11.00 | 36.00 | 22.00 | 63.00 | 1.00 |
| Long Term Borrowings | - | 4,413 | - | 3,657 | - | - | - | - | - |
| Net Debt | -756.00 | 3,873 | 3,103 | 2,467 | 2,731 | 1,757 | 943.00 | 761.00 | 479.00 |
| Other Asset Items | 12.00 | 69.00 | 5,845 | 5,082 | 4,420 | 2,988 | 2,078 | 1,553 | 1,159 |
| Other Borrowings | - | - | 3,996 | - | 3,739 | 2,940 | 2,768 | 3,056 | 842.00 |
| Other Liability Items | 132.00 | 142.00 | 277.00 | 312.00 | 271.00 | 280.00 | 253.00 | 134.00 | 62.00 |
| Reserves | 2,105 | 1,892 | 1,706 | 1,540 | 838.00 | 480.00 | 408.00 | 270.00 | 204.00 |
| Share Capital | 1,085 | 1,076 | 1,072 | 1,059 | 890.00 | 807.00 | 797.00 | 742.00 | 676.00 |
| Total Assets | 8,596 | 7,533 | 7,063 | 6,580 | 5,747 | 4,515 | 4,231 | 4,208 | 1,793 |
| Total Borrowings | - | 4,413 | 3,996 | 3,657 | 3,739 | 2,940 | 2,768 | 3,056 | 842.00 |
| Total Equity | 3,190 | 2,968 | 2,778 | 2,599 | 1,728 | 1,287 | 1,205 | 1,012 | 880.00 |
| Total Equity And Liabilities | 8,596 | 7,533 | 7,063 | 6,580 | 5,747 | 4,515 | 4,231 | 4,208 | 1,793 |
| Total Liabilities | 5,406 | 4,565 | 4,285 | 3,981 | 4,019 | 3,228 | 3,026 | 3,196 | 913.00 |
| Trade Payables | 9.00 | 10.00 | 11.00 | 12.00 | 9.00 | 8.00 | 5.00 | 5.00 | 9.00 |
| Trade Receivables | 15.00 | 27.00 | 30.00 | 24.00 | 22.00 | 16.00 | 8.00 | 6.00 | - |
💵 Cash Flows
| Metric | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|
| Cash From Financing Activity | 1,037 | 1,071 | 183.00 | -187.00 | 2,291 | 395.00 |
| Cash From Investing Activity | 158.00 | 206.00 | 652.00 | 375.00 | -1,863 | 146.00 |
| Cash From Operating Activity | -1,155 | -1,245 | -822.00 | -275.00 | -383.00 | -368.00 |
| Cash Paid For Investment In Subsidaries And Associates | -21.00 | - | - | - | - | - |
| Cash Paid For Loan Advances | -1,481 | -1,438 | -967.23 | -548.54 | -418.43 | - |
| Cash Paid For Purchase Of Fixed Assets | -12.00 | -9.00 | -10.00 | -14.00 | -5.00 | -7.00 |
| Cash Paid For Purchase Of Investments | -2,809 | -2,187 | -2,045 | -2,135 | -4,062 | -808.00 |
| Cash Paid For Redemption Of Debentures | - | - | -150.00 | -325.00 | -75.00 | - |
| Cash Paid For Repayment Of Borrowings | -1,470 | -915.00 | -610.00 | -566.00 | -156.00 | -6.00 |
| Cash Received From Borrowings | 1,370 | 1,712 | 893.00 | 457.00 | 2,442 | 402.00 |
| Cash Received From Issue Of Debentures | 350.00 | - | 43.00 | 150.00 | - | - |
| Cash Received From Issue Of Shares | 828.00 | 281.00 | 14.00 | 104.00 | 87.00 | 14.00 |
| Cash Received From Sale Of Investments | 3,029 | 2,434 | 2,694 | 2,534 | 2,374 | 911.00 |
| Change In Other Working Capital Items | 5.04 | 34.60 | 39.51 | 175.95 | 47.08 | -369.44 |
| Change In Payables | 10.92 | 0.73 | 6.22 | -0.24 | -4.42 | -36.70 |
| Change In Receivables | -7.71 | -8.76 | 17.86 | 19.21 | 10.17 | - |
| Change In Working Capital | -1,473 | -1,412 | -903.65 | -353.62 | -365.60 | -406.14 |
| Direct Taxes Paid | -90.00 | -62.27 | -41.37 | -43.48 | -60.55 | -0.50 |
| Interest Paid | -1.00 | -1.00 | -2.00 | -2.00 | -2.00 | - |
| Net Cash Flow | 40.00 | 32.00 | 13.00 | -87.00 | 45.00 | 173.00 |
| Other Cash Financing Items Paid | -39.00 | -6.00 | -6.00 | -4.00 | -4.00 | -14.00 |
| Other Cash Investing Items Paid | -28.00 | -32.00 | 13.00 | -9.00 | -169.00 | 51.00 |
| Profit From Operations | 407.66 | 229.38 | 123.38 | 121.90 | 42.71 | 38.15 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Sbfc | 2025-03-31 | - | 6.53 | 17.67 | 22.39 | 0.08 |
| Sbfc | 2024-12-31 | - | 4.92 | 16.47 | 23.78 | 0.09 |
| Sbfc | 2024-09-30 | - | 4.56 | 16.26 | 24.02 | 0.11 |
| Sbfc | 2024-06-30 | - | 4.72 | 16.24 | 23.70 | 0.16 |
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