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About the company
SBFC Finance Limited is a non-banking finance company. The Company provides secured micro-small and medium enterprises (MSME) loans and loans against gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. It has developed a PhyGital model. By combining digital technology with personal relationships, it builds bonds with its customers and offers support. It also offers a suite of specialist loan management services, helping institutional lenders to manage all aspects of loan servicing including client relations, collections, payments, porting, and data storage. In addition to providing loans direct to customers, it offers specialist change (LMS) to third party financial institutions. It handles the porting of repayment modes (NACH/ECS) and can transfer equated monthly instalments between accounts. It provides support to clients, including phone calls, short message services, and others.
- Revenue in INR (TTM)10.01bn
- Net income in INR2.37bn
- Incorporated2008
- Employees2.66k
- LocationSBFC Finance LtdMUMBAI 400059IndiaIND
- Phone+91 2 268313333
- Websitehttps://www.sbfc.com/
Peer analysis
- Key Information
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- Efficiency
- Management Effectiveness
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| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fedbank Financial Services Ltd | 15.57bn | 2.45bn | 46.17bn | 3.73k | 18.01 | 2.04 | 16.37 | 2.96 | 6.94 | 6.94 | 44.08 | 61.20 | 0.1541 | -- | 69.82 | -- | 2.42 | -- | 9.24 | -- | 98.53 | -- | 15.71 | -- | -- | 1.56 | 0.7739 | -- | 2,680.43 | -- | 35.84 | -- | -- | -- |
| MAS Financial Services Ltd | 12.75bn | 2.51bn | 47.35bn | 1.15k | 18.86 | 2.66 | 18.33 | 3.71 | 15.31 | 15.31 | 77.74 | 108.71 | 0.1452 | -- | 235.21 | -- | 2.89 | 2.98 | 2.91 | 4.39 | 44.74 | 51.07 | 19.92 | 21.83 | -- | -- | 0.8033 | 11.21 | 27.97 | 15.93 | 23.51 | 10.33 | 61.89 | -2.34 |
| Fusion Micro Finance Ltd | 22.64bn | 5.05bn | 47.60bn | 10.36k | 9.46 | 1.67 | 9.25 | 2.10 | 50.02 | 50.02 | 224.10 | 283.06 | 0.2142 | -- | 160.38 | -- | 4.78 | 2.99 | 6.08 | 4.78 | -- | -- | 22.32 | 15.26 | -- | 2.26 | 0.7516 | -- | 29.96 | 36.60 | 30.52 | 58.40 | 45.60 | -- |
| Paisalo Digital Ltd | 6.58bn | 1.79bn | 54.47bn | 1.65k | 25.48 | 4.10 | 29.87 | 8.28 | 2.38 | 2.38 | 8.36 | 14.80 | 0.176 | -- | 59.80 | -- | 4.79 | 3.37 | 4.82 | 3.43 | 58.94 | 56.27 | 27.21 | 20.68 | -- | -- | 0.6672 | 5.65 | 39.01 | 12.77 | 91.17 | 25.99 | 0.9353 | 14.87 |
| Spandana Sphoorty Financial Ltd | 22.61bn | 5.01bn | 55.73bn | 9.67k | 11.26 | 1.53 | 10.69 | 2.46 | 69.44 | 69.44 | 313.66 | 511.46 | 0.1987 | -- | 50.97 | -- | 4.40 | 2.69 | 4.40 | 3.44 | -- | -- | 22.14 | 13.43 | -- | 2.10 | 0.7211 | -- | 61.43 | 16.74 | 3,965.45 | 9.93 | 27.05 | -- |
| India Shelter Finance Corporation Ltd | 7.65bn | 2.23bn | 64.70bn | 2.71k | 28.33 | -- | 27.93 | 8.46 | 21.34 | 21.34 | 72.94 | -- | -- | -- | -- | 2,822,227.00 | -- | -- | -- | -- | 64.73 | -- | 29.13 | -- | -- | -- | -- | -- | 30.48 | -- | 20.94 | -- | -- | -- |
| Home First Finance Company India Ltd | 11.05bn | 3.06bn | 72.46bn | 993.00 | 24.34 | 3.41 | 22.83 | 6.56 | 33.59 | 33.59 | 121.45 | 239.67 | 0.1359 | -- | -- | -- | 3.76 | 3.48 | 3.76 | 4.05 | -- | -- | 27.66 | 26.82 | -- | 1.87 | 0.7749 | -- | 42.97 | 33.63 | 33.91 | 46.56 | 3.76 | -- |
| SBFC Finance Ltd | 10.01bn | 2.37bn | 88.70bn | 2.66k | 37.30 | 3.19 | 35.41 | 8.86 | 2.22 | 2.22 | 9.39 | 25.92 | 0.1563 | -- | 66.71 | -- | 3.70 | -- | 3.72 | -- | -- | -- | 23.68 | -- | -- | 2.31 | 0.5899 | -- | 39.43 | -- | 58.28 | -- | -- | -- |
| Indiabulls Housing Finance Ltd | 83.46bn | 11.57bn | 89.66bn | 5.32k | 6.93 | -- | 7.21 | 1.07 | 22.35 | 22.36 | 161.22 | -- | -- | -- | -- | 15,698,890.00 | -- | 1.90 | -- | 2.11 | -- | -- | 13.87 | 16.82 | -- | 1.40 | -- | 41.48 | -2.94 | -10.22 | -4.25 | -21.96 | 1.35 | -50.49 |
| Can Fin Homes Ltd | 35.23bn | 7.51bn | 97.86bn | 811.00 | 13.04 | 2.25 | 12.82 | 2.78 | 56.38 | 56.38 | 264.59 | 326.20 | 0.1011 | -- | 3,474.76 | -- | 2.15 | 2.04 | 2.18 | 2.38 | 35.89 | 37.12 | 21.31 | 21.82 | -- | -- | 0.8793 | 8.19 | 28.49 | 15.33 | 20.84 | 20.40 | 43.07 | 24.57 |
| Aavas Financiers Ltd | 20.01bn | 4.91bn | 126.60bn | 6.03k | 25.82 | 3.36 | 24.19 | 6.33 | 61.95 | 61.95 | 252.67 | 476.79 | 0.1337 | -- | -- | -- | 3.28 | 3.48 | 3.28 | 3.81 | 99.57 | 99.53 | 24.52 | 26.30 | -- | 1.80 | 0.7667 | -- | 25.15 | 23.45 | 14.21 | 22.76 | 18.06 | -- |
| Holder | Shares | % Held |
|---|---|---|
| SBI Funds Management Ltd.as of 30 Apr 2024 | 96.84m | 9.04% |
| Aditya Birla Sun Life Amc Ltd. (Investment Management)as of 30 Apr 2024 | 19.89m | 1.86% |
| Steadview Capital Management LLCas of 26 Jul 2023 | 18.18m | 1.70% |
| HDFC Asset Management Co. Ltd. (Invt Mgmt)as of 30 Apr 2024 | 8.66m | 0.81% |
| Axis Asset Management Co. Ltd.as of 30 Apr 2024 | 6.87m | 0.64% |
| Tata Asset Management Ltd.as of 30 Apr 2024 | 5.84m | 0.55% |
| ICICI Prudential Life Insurance Co. Ltd. (Invt Port)as of 30 Apr 2024 | 3.91m | 0.37% |
| Neuberger Berman Investment Advisers LLCas of 31 Mar 2024 | 2.28m | 0.21% |
| Aditya Birla Sun Life Asset Management Co. Pte Ltd.as of 30 Apr 2024 | 2.18m | 0.20% |
| Edelweiss Asset Management Ltd.as of 30 Apr 2024 | 2.17m | 0.20% |
