Nifty

:

24565.35

Sensex

:

80599.91

-203.00 (-0.82%)
-585.67 (-0.72%)

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Nifty
Sensex

:
:

24565.35
80599.91

-203.00 (-0.82%)
-585.67 (-0.72%)

SBFC Finance Ltd.

Finance - NBFC

Rating :

47/99

BSE: 543959 | NSE: SBFC

Watchlist

NSE BSE

101.34

01-Aug-2025

Open
High
Low
Previous Close

104.73
105.47
100.89
104.72

Volume
Traded Value (lacs)
52 Week High
52 Week Low

2461913
253550464.94
120.5
77.61

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

11,033.88
31.95
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

15,899.49
N/A
3.51

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

-
20.81
21.21

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
20.08
13.05

PAT CAGR (%)

10 Years
5 Years
3 Years

-
32.35
32.08

P:E (Median)

8 Years
5 Years
3 Years

-
-
-

P:BV (Average)

8 Years
5 Years
3 Years

-
-
-

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
-

Earnings Forecasts:

(Updated: 06-06-2025)

Description 2024 2025 2026 2027
Adj EPS 2.21 3.2 3.75 4.6
P/E Ratio 45.86 31.67 27.02 22.03
Revenue 1953 1305 1040 1265
EBITDA 754 978
Net Income 237 345 417 506
ROA 3.7 4.4 4.1 4.1
P/B Ratio 3.92 3.45 3.19 2.79
ROE 10.53 11.57 12.35 13.43
FCFF -1166 -1424
FCFF Yield -7 -8.55
Net Debt 3530 4835
BVPS 25.87 29.4 31.77 36.27

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Net Sales 388.44 297.50 30.57% 360.57 278.80 29.33% 333.16 263.84 26.27% 313.89 246.31 27.44%
Expenses 122.73 93.87 30.74% 112.82 90.60 24.53% 105.02 90.21 16.42% 99.83 83.47 19.60%
EBITDA 265.70 203.63 30.48% 247.75 188.20 31.64% 228.14 173.63 31.39% 214.06 162.84 31.45%
EBIDTM 68.40% 68.45% 68.71% 67.50% 68.48% 65.81% 68.20% 66.11%
Other Income 0.11 0.01 1,000.00% 0.60 0.65 -7.69% 0.09 0.09 0.00% 0.30 0.20 50.00%
Interest 125.06 94.76 31.98% 117.99 88.30 33.62% 106.11 84.58 25.46% 100.38 89.16 12.58%
Depreciation 5.04 3.75 34.40% 4.56 3.63 25.62% 4.65 3.42 35.96% 3.85 3.25 18.46%
PBT 135.71 105.12 29.10% 125.80 96.92 29.80% 117.47 85.73 37.02% 110.13 70.63 55.93%
Tax 34.82 26.41 31.84% 31.40 23.49 33.67% 29.39 21.71 35.38% 26.15 18.02 45.12%
PAT 100.89 78.72 28.16% 94.40 73.43 28.56% 88.08 64.02 37.58% 83.98 52.61 59.63%
PATM 25.97% 26.46% 26.18% 26.34% 26.44% 24.26% 26.76% 21.36%
EPS 0.93 0.72 29.17% 0.87 0.67 29.85% 0.81 0.59 37.29% 0.77 0.48 60.42%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Net Sales 360.67 278.90 29.32% 333.50 263.84 26.40% 314.23 246.31 27.58% 297.76 229.59 29.69%
Expenses 113.15 90.41 25.15% 105.05 90.43 16.17% 99.89 83.48 19.66% 93.87 75.42 24.46%
EBITDA 247.52 188.49 31.32% 228.46 173.42 31.74% 214.33 162.83 31.63% 203.89 154.16 32.26%
EBIDTM 68.63% 67.58% 68.50% 65.73% 68.21% 66.11% 68.47% 67.15%
Other Income 0.22 0.65 -66.15% 0.08 0.09 -11.11% 0.28 0.20 40.00% 0.01 0.34 -97.06%
Interest 117.99 88.30 33.62% 106.11 84.58 25.46% 100.38 89.16 12.58% 94.76 88.61 6.94%
Depreciation 4.56 3.63 25.62% 4.65 3.42 35.96% 3.85 3.25 18.46% 3.75 3.12 20.19%
PBT 125.19 97.21 28.78% 117.77 85.52 37.71% 110.39 70.62 56.32% 105.38 62.78 67.86%
Tax 31.25 23.54 32.75% 29.49 21.66 36.15% 26.23 18.02 45.56% 26.47 15.82 67.32%
PAT 93.94 73.67 27.51% 88.28 63.86 38.24% 84.16 52.60 60.00% 78.91 46.96 68.04%
PATM 26.05% 26.41% 26.47% 24.20% 26.78% 21.36% 26.50% 20.46%
EPS 0.87 0.69 26.09% 0.82 0.60 36.67% 0.78 0.50 56.00% 0.74 0.51 45.10%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21
Net Sales 1,396.06 1,305.12 1,018.54 732.81 529.05 507.10 Net Sales Growth 28.50% 28.14% 38.99% 38.51% 4.33% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 1,396.06 1,305.12 1,018.54 732.81 529.05 507.10 GP Margin 100.00% 100% 100% 100% 100% 100% Total Expenditure 440.40 409.99 337.85 248.01 212.48 148.60 Power & Fuel Cost - 3.31 2.33 1.88 1.33 0.91 % Of Sales - 0.25% 0.23% 0.26% 0.25% 0.18% Employee Cost - 253.23 217.13 160.12 109.53 84.18 % Of Sales - 19.40% 21.32% 21.85% 20.70% 16.60% Manufacturing Exp. - 39.28 34.00 25.08 21.75 17.25 % Of Sales - 3.01% 3.34% 3.42% 4.11% 3.40% General & Admin Exp. - 38.27 36.08 27.68 26.52 12.59 % Of Sales - 2.93% 3.54% 3.78% 5.01% 2.48% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% Miscellaneous Exp. - 79.21 50.63 35.12 54.69 34.57 % Of Sales - 6.07% 4.97% 4.79% 10.34% 6.82% EBITDA 955.65 895.13 680.69 484.80 316.57 358.50 EBITDA Margin 68.45% 68.59% 66.83% 66.16% 59.84% 70.70% Other Income 1.10 0.99 1.28 7.55 3.98 4.43 Interest 449.54 420.79 352.50 278.19 222.07 239.33 Depreciation 18.10 16.81 13.41 12.71 11.78 9.54 PBT 489.11 458.52 316.06 201.45 86.70 114.06 Tax 121.76 113.35 79.04 51.65 22.18 29.05 Tax Rate 24.89% 24.72% 25.01% 25.64% 25.58% 25.47% PAT 367.35 345.17 237.02 149.80 64.52 85.01 PAT before Minority Interest 367.35 345.17 237.02 149.80 64.52 85.01 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 26.31% 26.45% 23.27% 20.44% 12.20% 16.76% PAT Growth 36.67% 45.63% 58.22% 132.18% -24.10% EPS 3.37 3.17 2.18 1.38 0.59 0.78

Description TTM Mar 25 Mar 24 Mar 23 Mar 22
Net Sales - 1,306.16 1,018.64 732.81 529.05 Net Sales Growth - 28.23% 39.00% 38.51% Cost Of Goods Sold - 0.00 0.00 0.00 0.00 Gross Profit - 1,306.16 1,018.64 732.81 529.05 GP Margin - 100% 100% 100% 100% Total Expenditure - 410.41 337.87 248.09 212.48 Power & Fuel Cost - 3.31 2.33 1.88 1.33 % Of Sales - 0.25% 0.23% 0.26% 0.25% Employee Cost - 253.23 217.13 160.12 109.53 % Of Sales - 19.39% 21.32% 21.85% 20.70% Manufacturing Exp. - 39.31 34.00 25.08 21.75 % Of Sales - 3.01% 3.34% 3.42% 4.11% General & Admin Exp. - 38.34 36.10 27.76 26.52 % Of Sales - 2.94% 3.54% 3.79% 5.01% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% Miscellaneous Exp. - 79.54 50.63 35.12 54.69 % Of Sales - 6.09% 4.97% 4.79% 10.34% EBITDA - 895.75 680.77 484.72 316.57 EBITDA Margin - 68.58% 66.83% 66.15% 59.84% Other Income - 0.59 1.28 7.55 3.98 Interest - 420.79 352.50 278.19 222.07 Depreciation - 16.81 13.41 12.71 11.78 PBT - 458.73 316.14 201.37 86.70 Tax - 113.43 79.03 51.63 22.18 Tax Rate - 24.73% 25.00% 25.64% 25.58% PAT - 345.30 237.10 149.74 64.52 PAT before Minority Interest - 345.30 237.10 149.74 64.52 Minority Interest - 0.00 0.00 0.00 0.00 PAT Margin - 26.44% 23.28% 20.43% 12.20% PAT Growth - 45.63% 58.34% 132.08% EPS - 3.17 2.18 1.38 0.59

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21
Shareholder's Funds 3,190.13 2,778.26 1,727.33 1,287.17 1,205.11 Share Capital 1,085.18 1,071.89 889.57 806.80 796.67 Total Reserves 2,054.81 1,677.38 807.61 458.98 386.75 Non-Current Liabilities 5,401.75 4,217.39 3,691.55 2,959.61 2,791.89 Secured Loans 5,264.32 3,996.02 3,678.81 2,939.91 2,768.17 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 121.23 203.88 0.13 0.25 0.23 Current Liabilities 125.17 271.20 327.63 336.89 276.52 Trade Payables 10.00 22.05 12.85 12.12 5.90 Other Current Liabilities 114.88 248.93 254.73 256.14 228.30 Short Term Borrowings 0.00 0.00 60.00 0.00 0.00 Short Term Provisions 0.29 0.23 0.05 68.63 42.32 Total Liabilities 8,717.05 7,266.85 5,746.51 4,583.67 4,273.52 Net Block 307.89 299.87 296.40 299.38 301.11 Gross Block 357.74 343.61 327.85 327.93 318.94 Accumulated Depreciation 49.86 43.74 31.45 28.55 17.82 Non Current Assets 5,479.10 4,795.67 5,143.16 3,534.24 3,162.81 Capital Work in Progress 0.58 1.53 0.75 0.00 0.33 Non Current Investment 21.56 227.91 427.24 249.47 788.90 Long Term Loans & Adv. 124.90 210.06 3.47 2.97 2.26 Other Non Current Assets 34.17 153.88 0.00 0.00 0.00 Current Assets 3,237.95 2,471.17 603.35 1,049.43 1,110.71 Current Investments 305.27 199.25 179.41 598.65 695.35 Inventories 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 14.81 14.58 10.83 8.27 3.89 Cash & Bank 398.70 317.08 400.76 335.29 341.38 Other Current Assets 2,519.16 4.67 11.24 2.41 70.09 Short Term Loans & Adv. 2,515.24 1,935.59 1.12 104.81 64.69 Net Current Assets 3,112.78 2,199.97 275.72 712.54 834.19 Total Assets 8,717.05 7,266.84 5,746.51 4,583.67 4,273.52

Description Mar 25 Mar 24 Mar 23 Mar 22
Shareholder's Funds 3,190.07 2,778.07 1,727.27 1,287.17 Share Capital 1,085.18 1,071.89 889.57 806.80 Total Reserves 2,054.75 1,677.19 807.54 458.98 Non-Current Liabilities 5,401.75 4,217.39 3,691.53 2,959.61 Secured Loans 5,264.32 3,996.02 3,678.81 2,939.91 Unsecured Loans 0.00 0.00 0.00 0.00 Long Term Provisions 121.23 203.88 0.13 0.25 Current Liabilities 125.17 271.21 549.52 336.89 Trade Payables 10.00 22.06 12.86 12.12 Other Current Liabilities 114.88 248.93 254.73 256.14 Short Term Borrowings 0.00 0.00 60.00 0.00 Short Term Provisions 0.29 0.23 221.93 68.63 Total Liabilities 8,716.99 7,266.67 5,968.32 4,583.67 Net Block 307.89 299.87 296.40 299.38 Gross Block 357.74 343.61 327.85 327.93 Accumulated Depreciation 49.85 43.74 31.45 28.55 Non Current Assets 5,479.05 4,774.65 5,248.56 3,534.24 Capital Work in Progress 0.58 1.53 0.75 0.00 Non Current Investment 21.56 206.86 532.63 249.47 Long Term Loans & Adv. 124.85 210.09 3.47 2.97 Other Non Current Assets 34.17 153.88 0.00 0.00 Current Assets 3,237.93 2,492.01 719.76 1,049.43 Current Investments 305.27 199.25 73.96 598.65 Inventories 0.00 0.00 0.00 0.00 Sundry Debtors 14.81 14.58 10.83 8.27 Cash & Bank 398.70 338.19 400.81 335.29 Other Current Assets 2,519.15 4.39 11.17 2.41 Short Term Loans & Adv. 2,515.24 1,935.61 223.00 104.81 Net Current Assets 3,112.77 2,220.80 170.25 712.54 Total Assets 8,716.98 7,266.66 5,968.32 4,583.67

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21
Cash From Operating Activity -1,415.26 -1,155.35 -1,244.59 -821.64 -275.20 PBT 458.52 316.06 201.45 86.70 114.06 Adjustment 98.60 91.60 27.93 36.69 7.84 Changes in Working Capital -1,848.46 -1,473.01 -1,411.70 -903.65 -353.62 Cash after chg. in Working capital -1,291.34 -1,065.35 -1,182.33 -780.27 -231.72 Interest Paid 0.00 0.00 0.00 0.00 0.00 Tax Paid -123.92 -90.00 -62.27 -41.37 -43.48 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity 175.62 158.37 205.87 651.82 375.06 Net Fixed Assets -13.18 -16.54 -0.67 -8.66 Net Investments 100.33 179.49 241.47 636.13 Others 88.47 -4.58 -34.93 24.35 Cash from Financing Activity 1,280.85 1,037.41 1,071.01 183.03 -186.66 Net Cash Inflow / Outflow 41.21 40.43 32.28 13.20 -86.80 Opening Cash & Equivalents 224.19 183.76 151.48 138.27 225.07 Closing Cash & Equivalent 265.40 224.19 183.76 151.48 138.27

Description Mar 25 Mar 24 Mar 23 Mar 22
Cash From Operating Activity -1,415.01 -1,155.17 -1,244.59 -821.64 PBT 458.73 316.14 201.37 86.70 Adjustment 98.82 91.51 27.93 36.69 Changes in Working Capital -1,848.72 -1,472.81 -1,411.62 -903.65 Cash after chg. in Working capital -1,291.17 -1,065.17 -1,182.33 -780.27 Interest Paid 0.00 0.00 0.00 0.00 Tax Paid -123.84 -90.00 -62.27 -41.37 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 Cash From Investing Activity 174.19 159.37 205.92 651.82 Net Fixed Assets -13.18 -16.54 -0.67 Net Investments 100.33 179.49 241.47 Others 87.04 -3.58 -34.88 Cash from Financing Activity 1,281.01 1,037.20 1,071.01 183.03 Net Cash Inflow / Outflow 40.19 41.40 32.33 13.20 Opening Cash & Equivalents 225.21 183.81 151.48 138.27 Closing Cash & Equivalent 265.40 225.21 183.81 151.48

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21
Book Value (Rs.) 28.94 25.65 19.08 15.69 14.85 ROA 4.32% 3.64% 2.90% 1.46% 2.00% ROE 11.72% 10.66% 10.11% 5.27% 7.81% ROCE 11.55% 10.92% 9.90% 7.53% 8.79% Fixed Asset Turnover 3.72 3.03 2.23 1.64 1.63 Receivable days 4.11 4.55 4.76 4.19 2.63 Inventory Days 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 Cash Conversion Cycle 4.11 4.55 4.76 4.19 2.63 Total Debt/Equity 1.68 1.45 2.20 2.32 2.34 Interest Cover 2.09 1.90 1.72 1.39 1.48

Description Mar 25 Mar 24 Mar 23 Mar 22
Book Value (Rs.) 28.93 25.65 19.08 15.69 ROA 4.32% 3.58% 2.84% 1.41% ROE 11.73% 10.67% 10.11% 5.10% ROCE 11.55% 10.93% 9.89% 7.30% Fixed Asset Turnover 3.72 3.03 2.23 1.61 Receivable days 4.11 4.55 4.76 5.70 Inventory Days 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 Cash Conversion Cycle 4.11 4.55 4.76 5.70 Total Debt/Equity 1.68 1.45 2.20 2.32 Interest Cover 2.09 1.90 1.72 1.39

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Annual Reports:

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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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