SBFC Finance Q2 FY27 Share Price & Earnings Call Analysis
- Market cap
- ₹9,682 Cr
- P/E
- 20.16
- ROE
- 13.05%
- PEG
- 0.46
- Price to sales
- 5.44
- Debt to equity
- 1.92
- 52W high / low
- ₹118 / ₹77.5
- Sales growth (5Y)
- 26.89%
- EBITDA margin
- 68.81%
- Net profit margin
- 26.87%
- Promoter holding
- 52.31%
- Sales (last year)
- ₹1,782 Cr
Guidance scorecard · Q2 FY27 call
What SBFC Finance Ltd's management guided
and where it ranks in Finance
RevenueQ1 FY27 call
0–10%- SBFC Finance expects steady growth rather than extraordinary expansion, with no pressure to add new products or geographies to meet guidance.
- The full-year growth guidance is already set and achievable without aggressive expansion.
- Incremental yields are expected to remain stable in the 17.50%-17.75% range, supporting steady revenue growth.
- Branch expansion will be moderate, targeting 10-15 new branches in the year, focusing on profitability and productivity before further expansion.
2 more points from SBFC Finance Ltd's call on revenue
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MarginsQ1 FY27 call
FlatSee what SBFC Finance Ltd said on margins — free account, 30 seconds.
CapexQ1 FY27 call
None planned- SBFC Finance plans a conservative branch expansion of 10-15 branches for the current year, focusing on consolidating recently opened branches to ensure profitability before further expansion.
- The company prefers to base branch expansion decisions on profitability metrics, ensuring employees and branches become productive before scaling.
- Management is focused on optimizing existing operations rather than pursuing new products or geographies for now.
2 more points from SBFC Finance Ltd's call on capex
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FundraisingQ1 FY27 call
See what SBFC Finance Ltd said on fundraising — free account, 30 seconds.
Order bookQ1 FY27 call
Rising- The company is focusing on steady growth rather than aggressive expansion, with a branch addition plan of 10-15 branches this year.
- Disbursement trends show a temporary dip due to regulatory changes around co-origination but a return to normalcy is expected from the current quarter.
- The disbursement conversion rate has moderated from 42% to 35%, reflecting more stringent filters in loan approvals.
- Loan demand in the sub-INR 10 lakh segment is under close watch due to signs of over-leverage, suggesting cautious credit deployment.
2 more points from SBFC Finance Ltd's call on the order book
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Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.
Potential multibaggers · Q2 FY27
Potential multibaggers in Finance
on management's own guidance
- Strong growth2
- Strong growth1
- Strong growth3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
Peers
Finance companies ranked on guidance
| # | Company | Revenue guided | Margin guided | Market cap | P/E |
|---|---|---|---|---|---|
| 1 | 40%+ | Up 2%+ | ₹2,742 Cr | 71.8 | |
| 2 | 40%+ | Up 2%+ | ₹464 Cr | 23.9 | |
| 3 | 40%+ | Up 0–2% | ₹961 Cr | 32.7 | |
| 4 | 40%+ | Flat | ₹23,820 Cr | 21.1 | |
| 5 | 40%+ | Flat | ₹16,498 Cr | 72.4 | |
| 6 | 40%+ | Flat | ₹15,549 Cr | — |
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Pro shows every company guiding 40%+ revenue growth →Full Finance rankingFinancials of SBFC Finance Ltd
Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Shareholder Pattern
SBFC Finance Ltd
Shareholding breakup across reporting periods.
| Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters + | 63.74% | 60.66% | 55.19% | 55.05% | 54.75% | 53.33% | 53.19% | 52.98% | 52.82% | 52.35% | 52.31% | 52.23% |
| FIIs + | 2.23% | 2.86% | 4.72% | 4.56% | 4.92% | 6.53% | 7.12% | 7.01% | 6.88% | 6.21% | 7.22% | 7.66% |
| DIIs + | 11.94% | 13.53% | 16.24% | 16.26% | 16.47% | 17.67% | 16.99% | 18.21% | 19.53% | 21.97% | 20.72% | 22.24% |
| Public + | 21.88% | 22.77% | 23.70% | 24.02% | 23.78% | 22.39% | 22.63% | 21.74% | 20.71% | 19.40% | 19.69% | 17.80% |
| Others + | 0.22% | 0.17% | 0.16% | 0.11% | 0.09% | 0.08% | 0.07% | 0.06% | 0.06% | 0.06% | 0.06% | 0.06% |
| No. of Shareholders | 1,29,470 | 1,35,768 | 1,38,991 | 1,63,595 | 1,62,908 | 1,53,744 | 1,42,155 | 1,42,669 | 1,46,556 | 1,38,467 | 1,34,577 | 1,29,790 |
Financials of SBFC Finance Ltd
Quarterly Results
Quarter-by-quarter operating performance
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 246 | 264 | 279 | 297 | 314 | 333 | 361 | 388 | 411 | 426 | 454 | 491 | 546 |
| Interest | 89 | 85 | 88 | 95 | 100 | 106 | 118 | 125 | 129 | 136 | 147 | 152 | 196 |
| Expenses + | 83 | 90 | 91 | 94 | 100 | 105 | 113 | 123 | 131 | 127 | 138 | 160 | 160 |
| Financing Profit | 74 | 89 | 100 | 109 | 114 | 122 | 130 | 141 | 151 | 163 | 169 | 179 | 191 |
| Financing Margin % | 30% | 34% | 36% | 37% | 36% | 37% | 36% | 36% | 37% | 38% | 37% | 36% | 35% |
| Other Income + | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
| Profit before tax | 71 | 86 | 97 | 105 | 110 | 117 | 126 | 136 | 146 | 158 | 164 | 174 | 186 |
| Tax % | 26% | 25% | 24% | 25% | 24% | 25% | 25% | 26% | 25% | 25% | 25% | 25% | 25% |
| Net Profit + | 53 | 64 | 73 | 79 | 84 | 88 | 94 | 101 | 109 | 118 | 123 | 130 | 139 |
| EPS in Rs | 0.49 | 0.60 | 0.68 | 0.73 | 0.78 | 0.81 | 0.87 | 0.93 | 1.00 | 1.08 | 1.11 | 1.18 | 1.25 |
| Gross NPA % | 2.37% | 2.38% | 2.43% | 2.60% | 2.69% | 2.70% | 2.74% | 2.78% | 2.77% | 2.71% | 2.61% | 2.66% | |
| Net NPA % | 1.33% | 1.36% | 1.36% | 1.51% | 1.63% | 1.63% | 1.51% | 1.57% | 1.51% | 1.48% | 1.54% | 1.55% |
Financials of SBFC Finance Ltd
Profit & Loss
Annual income statement trend
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 177 | 445 | 510 | 529 | 734 | 1,019 | 1,305 | 1,679 | 1,917 |
| Interest | 50 | 244 | 239 | 222 | 278 | 352 | 421 | 539 | 632 |
| Expenses + | 89 | 134 | 149 | 210 | 247 | 338 | 409 | 516 | 585 |
| Financing Profit | 37 | 67 | 123 | 97 | 209 | 329 | 475 | 623 | 701 |
| Financing Margin % | 21% | 15% | 24% | 18% | 28% | 32% | 36% | 37% | 37% |
| Other Income + | 0 | 0 | 1 | 1 | 5 | 1 | 0 | 0 | 1 |
| Depreciation | 2 | 8 | 10 | 12 | 13 | 13 | 17 | 20 | 20 |
| Profit before tax | 35 | 59 | 114 | 87 | 201 | 316 | 459 | 604 | 682 |
| Tax % | 30% | 39% | 25% | 26% | 26% | 25% | 25% | 25% | |
| Net Profit + | 24 | 36 | 85 | 65 | 150 | 237 | 345 | 451 | 510 |
| EPS in Rs | 0.36 | 0.46 | 1.03 | 0.77 | 1.67 | 2.21 | 3.18 | 4.07 | 4.62 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of SBFC Finance Ltd
Balance Sheet
Capital structure and asset base
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 676 | 742 | 797 | 807 | 890 | 1,072 | 1,085 | 1,106 | 1,108 |
| Reserves | 204 | 270 | 408 | 480 | 838 | 1,706 | 2,105 | 2,619 | 2,941 |
| Borrowing | 842 | 3,056 | 2,768 | 2,940 | 3,739 | 3,996 | 5,264 | 7,162 | 9,338 |
| Other Liabilities + | 71 | 140 | 258 | 288 | 280 | 289 | 141 | 199 | 297 |
| Total Liabilities | 1,793 | 4,208 | 4,231 | 4,515 | 5,747 | 7,063 | 8,596 | 11,085 | 13,685 |
| Fixed Assets + | 270 | 294 | 301 | 299 | 296 | 300 | 308 | 314 | 321 |
| CWIP | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 2 | 0 |
| Investments | 167 | 1,879 | 1,484 | 848 | 607 | 427 | 327 | 192 | 598 |
| Other Assets + | 1,356 | 2,035 | 2,446 | 3,368 | 4,843 | 6,334 | 7,961 | 10,577 | 12,765 |
| Total Assets | 1,793 | 4,208 | 4,231 | 4,515 | 5,747 | 7,063 | 8,596 | 11,085 | 13,685 |
Financials of SBFC Finance Ltd
Cash Flows
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 |
Financials of SBFC Finance Ltd
Ratios
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% |
Guidance history
How SBFC Finance Ltd's guidance has moved, call by call
| Call | Revenue | Margins | Capex | Fundraising | Order book |
|---|---|---|---|---|---|
| Q1 FY27 call → | 0–10% | Flat | None planned | — | Rising |
| Q4 FY26 call → | 20–40% | Flat | Planned | — | — |
| Q3 FY26 call → | 0–10% | Flat | Planned | — | — |
| Q2 FY26 call → | 20–40% | Flat | Planned | Planned | — |
What management guided on each call, newest first. Not investment advice, and not a forecast of returns.
Momentum score · price trend
21 out of 100 — Cooling
Over the past year its share price has done worse than most of the stocks we track.
| Period | Share price change | Better than … of 1,910 stocks |
|---|---|---|
| Last 12 months | −23.8% | 32% |
| Last 6 months | −5.7% | 44% |
| Last 3 months | −3.4% | 57% |
The price is 26.9% below its all-time high of ₹119.02 (11 Jul 2025). Stocks more than 20% below their peak have their score halved, so 42 became 21.
How we calculate it
“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).
The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For SBFC Finance Ltd: 0.4 × 32 + 0.4 × 44 + 0.2 × 57 = 42, halved to 21 because the price is more than 20% below its all-time high.
Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.
Full methodology →This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.
Continue your research
What SBFC Finance Ltd's management said in earlier quarters
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