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Indian NBFC providing small secured business loans (MSME) and gold loans to micro and small entrepreneurs.
Indian NBFC providing small secured business loans (MSME) and gold loans to micro and small entrepreneurs.
Earns the gap between interest on small secured loans, typically against property or gold, and what it pays banks and bond investors for funding, plus processing fees. Loans are small, so credit costs and branch efficiency drive results.
Moat: none (distribution). Niche small-ticket secured lending in a crowded, competitive MSME NBFC space.
Headquarters: Mumbai, India · Founded: 2008 · Employees: 5,144
Size SBFC Finance (SBFC.NS) is an India Financials company (Finance/Rental/Leasing) with a market value of $1.08B, the 571st largest of 1,058 India companies the cockpit tracks. Shares closed at ₹91.99 on 6 Nov 2026.
Performance Over six months the shares fell 4.9%, against -10.3% for the median peer and 0.0% for the India market (cap-weighted) — 7th highest of 21 in its peer set.
Growth Revenue grew 28.4% over the last twelve months (peer median +7.8%); the operating margin is 43.5% (peer median 28.2%).
Valuation It trades at 2.52× book value against a peer median of 1.38× (3rd most expensive of 21).
Price implies The share price implies a return on equity of about 31.2%; SBFC Finance delivers 13.6%, so the price asks more than the business earns today.
Next results Next results expected around 25 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹19.2B | ₹16.9B | ₹13.0B | ₹10.2B | ₹7.38B |
| Revenue growth | — | +30% | +28% | +38% | — |
| Gross profit | ₹12.7B | ₹16.7B | ₹12.9B | ₹10.1B | ₹7.25B |
| EBITDA | ₹8.55B | ₹12.1B | ₹9.28B | ₹7.12B | ₹5.11B |
| Net income | ₹5.10B | ₹4.51B | ₹3.45B | ₹2.37B | ₹1.50B |
| Free cash flow | n/a | -₹18.1B | -₹14.2B | -₹11.7B | -₹12.5B |
| Capital expenditure | n/a | ₹147M | ₹117M | ₹119M | ₹85.4M |
| Total debt | ₹93.4B | ₹71.8B | ₹52.8B | ₹40.0B | ₹37.5B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| SBFC Finance SBFC.NS | $1.08B | -5% | +28% | 14% | 2.52× | 31.2% |
| Five-Star Business Finance FIVESTAR.NS | $1.33B | -10% | +9% | 15% | 1.59× | 22.3% |
| Capri Global Capital CGCL.NS | $2.44B | +20% | +53% | 18% | 2.90× | 21.5% |
| Aptus Value Housing Finance India APTUS.NS | $927M | -36% | +18% | 20% | 1.60× | 23.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | SBFC.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +13.4% | +0.9% | 5th highest of 21 |
| 6-month return | -4.9% | -10.3% | 7th highest of 21 |
| Return on equity | 13.6% | 10.9% | 8th highest of 21 |
| Price / book | 2.52× | 1.38× | 3rd most expensive of 21 |
| Trailing P/E | 20.0× | 11.8× | 3rd most expensive of 20 |
| ROE the price implies | 31.2% | 9.9% | 3rd most demanding of 21 |
| ROE delivered | 13.6% | 10.9% | 8th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| SBFC Finance SBFC.NS | India | $1.08B | -5% | +28% | 14% | 2.52× | 31.2% | 13.6% |
| Hotai Finance 6592.TW | Taiwan | $1.08B | -6% | -9% | 10% | 0.92× | 3.4% | 9.7% |
| Can Fin Homes CANFINHOME.NS | India | $1.05B | -16% | +8% | 19% | 1.55× | 29.3% | 19.4% |
| Willis Lease Finance WLFC | United States | $992M | -37% | +22% | 10% | 1.47× | 11.2% | 10.2% |
| Ricoh Leasing Company,Ltd 8566.T | Japan | $1.20B | 0% | +4% | 5% | 0.77× | 4.3% | 5.3% |
| Home First Finance Company India HOMEFIRST.NS | India | $1.21B | -10% | +19% | 14% | 2.45× | 31.6% | 14.3% |
| Genertec Universal Medical 2666.HK | Hong Kong | $1.21B | -19% | 0% | 12% | 0.41× | 5.1% | 11.6% |
| Sun Hung Kai & 0086.HK | Hong Kong | $958M | -7% | -11% | 6% | 0.33× | 3.9% | 6.2% |
| Aavas Financiers AAVAS.NS | India | $955M | -20% | +12% | 14% | 1.67× | 24.3% | 14.0% |
| Kanamoto 9678.T | Japan | $1.23B | +17% | +2% | 9% | 1.20× | 6.4% | 9.3% |
| Jaccs 8584.T | Japan | $935M | -19% | +2% | 6% | 0.49× | 3.8% | 5.5% |
| Aptus Value Housing Finance India APTUS.NS | India | $927M | -36% | +18% | 20% | 1.60× | 23.2% | 20.3% |
| Altus AIF.TO | Canada | $1.26B | +15% | -7% | -2% | 5.50× | 28.5% | -2.2% |
| SY Holdings Group Limited 6069.HK | Hong Kong | $917M | -25% | +17% | 13% | 1.58× | 7.2% | 13.0% |
| Mcmillan Shakespeare MMS.AX | Australia | $913M | +12% | +8% | 89% | 10.41× | 85.9% | 89.2% |
| Taiwan Acceptance 9941.TW | Taiwan | $1.31B | -6% | -3% | 12% | 1.10× | 3.8% | 12.2% |
| Five-Star Business Finance FIVESTAR.NS | India | $1.33B | -10% | +9% | 15% | 1.59× | 22.3% | 15.2% |
| Walker & Dunlop WD | United States | $1.34B | -28% | +9% | 2% | 0.76× | 10.0% | 2.2% |
| Zhejiang Haikong Nanke Huatie Digital Technology 603300.SS | China | $1.34B | -31% | +12% | 5% | 1.29× | 9.8% | 5.3% |
| Haitong Unitrust International Financial Leasing 1905.HK | Hong Kong | $1.38B | +57% | -20% | 6% | 0.52× | 4.2% | 6.5% |
| Atlanticus ATLC | United States | $1.38B | +8% | +84% | 23% | 1.97× | 24.5% | 22.9% |