Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of SBFC Finance Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 208 | 230 | 246 | 264 | 279 | 297 | 314 | 333 | 361 | 388 | 411 | 426 | 454 |
| Interest | 79 | 89 | 89 | 85 | 88 | 95 | 100 | 106 | 118 | 125 | 129 | 136 | 147 |
| Expenses + | 69 | 75 | 83 | 90 | 91 | 94 | 100 | 105 | 113 | 123 | 131 | 127 | 138 |
| Financing Profit | 60 | 66 | 74 | 89 | 100 | 109 | 114 | 122 | 130 | 141 | 151 | 163 | 169 |
| Financing Margin % | 29% | 29% | 30% | 34% | 36% | 37% | 36% | 37% | 36% | 36% | 37% | 38% | 37% |
| Other Income + | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Depreciation | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 5 |
| Profit before tax | 58 | 63 | 71 | 86 | 97 | 105 | 110 | 117 | 126 | 136 | 146 | 158 | 164 |
| Tax % | 26% | 25% | 26% | 25% | 24% | 25% | 24% | 25% | 25% | 26% | 25% | 25% | 25% |
| Net Profit + | 43 | 47 | 53 | 64 | 73 | 79 | 84 | 88 | 94 | 101 | 109 | 118 | 123 |
| EPS in Rs | 0.48 | 0.51 | 0.49 | 0.60 | 0.68 | 0.73 | 0.78 | 0.81 | 0.87 | 0.93 | 1.00 | 1.08 | 1.11 |
| Gross NPA % | 2.57% | 2.54% | 2.37% | 2.38% | 2.43% | 2.60% | 2.69% | 2.70% | 2.74% | 2.78% | 2.77% | 2.71% | |
| Net NPA % | 1.58% | 1.55% | 1.33% | 1.36% | 1.36% | 1.51% | 1.63% | 1.63% | 1.51% | 1.57% | 1.51% | 1.48% |
Financials of SBFC Finance Ltd
Annual income statement trend
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue + | 177 | 445 | 510 | 529 | 734 | 1,019 | 1,305 | 1,679 |
| Interest | 50 | 244 | 239 | 222 | 278 | 352 | 421 | 537 |
| Expenses + | 89 | 134 | 149 | 210 | 247 | 338 | 409 | 518 |
| Financing Profit | 37 | 67 | 123 | 97 | 209 | 329 | 475 | 623 |
| Financing Margin % | 21% | 15% | 24% | 18% | 28% | 32% | 36% | 37% |
| Other Income + | 0 | 0 | 1 | 1 | 5 | 1 | 0 | 1 |
| Depreciation | 2 | 8 | 10 | 12 | 13 | 13 | 17 | 20 |
| Profit before tax | 35 | 59 | 114 | 87 | 201 | 316 | 459 | 604 |
| Tax % | 30% | 39% | 25% | 26% | 26% | 25% | 25% | 25% |
| Net Profit + | 24 | 36 | 85 | 65 | 150 | 237 | 345 | 451 |
| EPS in Rs | 0.36 | 0.46 | 1.03 | 0.77 | 1.67 | 2.21 | 3.18 | 4.07 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of SBFC Finance Ltd
Capital structure and asset base
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 676 | 742 | 797 | 807 | 890 | 1,072 | 1,085 | 1,106 |
| Reserves | 204 | 270 | 408 | 480 | 838 | 1,706 | 2,105 | 2,619 |
| Borrowing | 842 | 3,056 | 2,768 | 2,940 | 3,739 | 3,996 | 5,264 | 7,162 |
| Other Liabilities + | 71 | 140 | 258 | 288 | 280 | 289 | 141 | 199 |
| Total Liabilities | 1,793 | 4,208 | 4,231 | 4,515 | 5,747 | 7,063 | 8,596 | 11,085 |
| Fixed Assets + | 270 | 294 | 301 | 299 | 296 | 300 | 308 | 316 |
| CWIP | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 0 |
| Investments | 167 | 1,879 | 1,484 | 848 | 607 | 427 | 327 | 192 |
| Other Assets + | 1,356 | 2,035 | 2,446 | 3,368 | 4,843 | 6,334 | 7,961 | 10,577 |
| Total Assets | 1,793 | 4,208 | 4,231 | 4,515 | 5,747 | 7,063 | 8,596 | 11,085 |
Financials of SBFC Finance Ltd
Operating, investing and financing cash movement
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -368 | -383 | -275 | -822 | -1,245 | -1,155 | -1,415 | -1,893 |
| Cash from Investing Activity + | 146 | -1,863 | 375 | 652 | 206 | 158 | 176 | 131 |
| Cash from Financing Activity + | 395 | 2,291 | -187 | 183 | 1,071 | 1,037 | 1,281 | 1,977 |
| Net Cash Flow | 173 | 45 | -87 | 13 | 32 | 40 | 41 | 216 |
| Free Cash Flow | -376 | -389 | -290 | -831 | -1,253 | -1,167 | -1,427 | -1,907 |
| CFO/OP | -421% | -104% | -64% | -244% | -243% | -156% | -144% | -149% |
Financials of SBFC Finance Ltd
Working capital efficiency and return ratios
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROE % | 3% | 4% | 8% | 5% | 10% | 11% | 12% | 13% |