Sector: Banking and Finance
|Mid Cap
SBFC Finance Ltd.
₹93.16
Invest in SBFC with up to 2.86x margin.
Trade with MTF₹91.62
₹94.50
₹79.60
₹123.00
Markets Today
Historical Performance
Indicator | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 |
|---|---|---|---|---|---|
| Total Revenue | 454.03 | 425.57 | 410.78 | 388.44 | 360.57 |
| Operating Expense | 100.54 | 94.35 | 100.13 | 97.90 | 91.97 |
| Operating Profit | 316.46 | 298.54 | 279.70 | 265.70 | 247.75 |
| Depreciation | 5.01 | 4.99 | 5.08 | 5.04 | 4.56 |
| Interest | 147.43 | 135.93 | 128.96 | 125.06 | 117.99 |
| Tax | 41.36 | 39.83 | 36.75 | 34.82 | 31.40 |
| Net Profit | 122.77 | 118.04 | 109.14 | 100.89 | 94.40 |
₹93.16
↗ Bullish Moving Average
0
↘ Bearish Moving Average
16
SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. It offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services to small business owners, self-employed individuals, salaried and working-class individuals, entrepreneurs, and other individual customers, as well as micro, small, and medium enterprises. The company also operates as a corporate agent of insurance products. It serves entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals, and other individual customers.
SBFC Finance share price today on the NSE and BSE is a reflection of how market participants respond to a company’s performance and broader business developments within its industry. It captures the sentiment of the investors based on financial results, operational updates, macroeconomic factors, and trends specific to sectors. Movements in the share price͏ reveal how the market evaluates the company’s current position and its future prospects, making ͏it a key indicator of market perception across various industries.
Market sentiment around the SBFC Finance stock price often mirrors shifts in credit demand from MSMEs, regulatory policies from the Reserve Bank of India, and investor views on the NBFC sector growth prospects. Factors such as the pace of branch network expansion, competitive intensity from other MSME-focused lenders, cost of funds fluctuations, and asset quality trends influence near-term market valuation and medium-term earnings forecasts. All these factors must be closely monitored to have an idea about the SBFC Finance stock price movements.
SBFC Finance live share price provides real-time information about the last price traded, bid price, ask price, and volume traded. These indicators represent trading activity and liquidity and the reaction of investors to corporate announcements, quarterly results, and sector news. Constant ͏monitoring of SBFC Finance live price helps observe short-term price fluctuations and understand how the stock is moving in relation to the broader market.
Furthermore, monitoring the SBFC Finance share͏ price today helps investors understand real-time market sentiment, price volatility, and trading behaviour. It allows market participants to evaluate short-term performance, identify possible entry or exit points, and respond to news, quarterly results or sector trends that may affect the company’s valuation and overall investment outlook.
SBFC Finance Limited is an Indian non-banking financial company engaged in providing secured MSME loans and loans against gold to underserved and underbanked customers across India. The company was incorporated in 2008, as MAPE Finserve Private Limited. Its registered office is located in Mumbai, Maharashtra, India. The company underwent several name changes before converting to a public limited company and adopting the name SBFC Finance Limited on September 23, 2022. SBFC Finance is a systematically important, non-deposit taking NBFC (NBFC-ND-SI) and has developed a “PhyGital” model that combines digital technology with authentic personal relationships. The company serves entrepreneurs, small business owners, self-employed individuals, and salaried workers, with a majority of its borrowers belonging to the MSME segment. Among MSME-focused NBFCs in India, SBFC Finance has achieved strong assets under management (AUM) growth, reporting a growth rate of 40 percent CAGR from fiscal year 2019 to fiscal year 2022. The company operates within India’s growing financial services industry, driven by increasing formalization of the economy and rising credit penetration in semi-urban and rural markets.
SBFC Finance Limited operates in the NBFC (Non-Banking Financial Company) / retail and MSME lending segment within the broader financial services industry. Globally, the non-bank lending and shadow banking system is estimated at over US$200 trillion in assets, playing a critical role in credit intermediation. In India, the NBFC sector is a key growth driver, accounting for ~17–18% of total credit and witnessing ~20% credit growth in FY25, outpacing banks (~12%) . The sector is expected to grow at ~18–19% AUM CAGR over FY26–FY27, potentially crossing ₹50 trillion (US$600+ billion) in size by 2027, supported by rising retail lending, MSME financing, and financial inclusion .
Within this, the MSME lending opportunity—SBFC’s core focus—is estimated at ~₹4 lakh crore and growing at ~24.4% CAGR, driven by a large credit gap and underserved small businesses. India has over 63 million MSMEs, many lacking access to formal credit, creating a structurally strong demand pipeline. NBFCs are particularly dominant in Tier 2–4 markets, where traditional banks have lower penetration.
Future growth will be driven by digitization, fintech partnerships, and increasing formalization of the economy. With strong structural tailwinds, India’s NBFC and MSME lending ecosystem is expected to sustain mid-to-high teen CAGR growth, making it one of the fastest-growing segments in financial services.
SBFC Finance is actively traded on India’s principal equity markets, with its shares listed on the National Stock Exchange of India (NSE) under the symbol SBFC and on the Bombay Stock Exchange (BSE) with the scrip code 543959. Its listing on both exchanges ensures that the SBFC Finance share price is accessible to a wide investor base, encompassing both retail and institutional market participants. The company forms part of several benchmark indices that represent broad market segments. SBFC Finance is included in indices such as Nifty Microcap 250, Nifty Total Market, S&P BSE IPO Index, Nifty 500, and Nifty Smallcap 250. These index participations signal the company’s relevance within market categories that attract both active and passive investment flows. Being represented in multiple indices enhances the visibility and liquidity of the SBFC Financeprice, as index tracking funds and exchange traded strategies often adjust allocations in line with constituent revisions. It also allows investors to benchmark the company’s stock performance relative to broader market trends and peer groups, facilitating cross-sectional comparisons within India’s NBFC landscape.
The SBFC Finance share pricehas displayed directional trends shaped by structural industry shifts and broader economic cycles. Over multiple periods, the SBFC Financeprice has responded to phases of credit demand growth, where periods of strengthening demand for MSME loans have supported upward price movement. Conversely, phases of tighter liquidity conditions, elevated cost of funds, or subdued economic activity have coincided with moderation or consolidation in the SBFC Finance price, reflecting the sensitivity of investor sentiment to external economic rhythms.
Sector influences have played a prominent role in steering the SBFC Finance share priceover different cycles. When the NBFC sector experienced heightened demand post-pandemic, the SBFC Finance price followed a positive trajectory, suggesting that market participants incorporated optimism around earnings prospects into valuation expectations. In contrast, when regulatory changes affected NBFC operations or competitive intensity from emerging lenders intensified, the SBFC Finance share priceexhibited a more muted direction, indicating caution among investors. The SBFC Finance share pricehas shown performance patterns with fluctuations in annual returns since its listing in August 2023.
Corporate developments, including strategic announcements, branch network expansion, and regulatory updates on NBFC guidelines, have also influenced short-term fluctuations in the SBFC Finance price. Announcements related to AUM growth or improvement in asset quality have coincided with phases of positive sentiment, nudging the SBFC Finance share pricehigher as confidence in future cash flows improved. On the other hand, industry headwinds from rising interest rates or asset quality concerns have contributed to intermittent SBFC Finance price moderation. The SBFC Finance share pricehas shown a 52-week high level and a 52-week low level, reflecting the volatility inherent in the NBFC space.
The SBFC Finance stock price has shown varying performance across different time horizons. The SBFC Finance price experienced a significant increase in certain periods, followed by moderating trends in other periods. Historical cycles of the SBFC Finance share price reflect both local industrial factors and broader economic conditions. Periods where credit demand strengthened or where the company’s AUM growth accelerated saw the SBFC Finance share price trend more positively. In contrast, times characterized by rising delinquencies or uncertain economic outlooks often saw the SBFC Finance share price move sideways or correct, indicating that investors balanced micro-level performance with macroeconomic headwinds. The SBFC Finance share price exhibited positive returns in certain years and negative returns in other years.
Market psychology around the SBFC Finance share price also incorporates reactions to quarterly earnings narratives, where earnings improvements have tended to bolster sentiment, whereas earnings moderation phases contributed to more tempered price direction. The SBFC Finance stock price has shown long-term compounded annual returns since listing, though these have varied across different measurement periods. The SBFC Finance stock price reached a 52-week high level before declining to a 52-week low, reflecting the volatility inherent in the NBFC lending space. The SBFC Finance stock price has shown a 52-week range with a defined high level and a low level, demonstrating the price fluctuations observed in recent periods. The SBFC Finance stock price performance over the last three years reveals patterns of volatility with periods of growth followed by correction phases. The SBFC Finance stock price recorded positive returns in the first year after listing followed by subsequent periods of fluctuation. Comprehending these patterns in the SBFC Finance share price is instrumental for investors seeking to contextualize long-term performance trends vis-à-vis short-term price dynamics, as the SBFC Finance share price movements illustrate how industry fundamentals, credit cycles, and investor expectations converge in market pricing.
SBFC Finance holds a distinctive position for portfolio investors who seek exposure to the Indian NBFC sector with a focus on MSME lending and gold loans. The company’s diversified product portfolio across secured MSME loans, gold loans, and loan management services aligns it with investment strategies that value both credit growth potential and asset quality focus. The SBFC Finance share price often mirrors how these themes resonate with investor portfolios, whereby both thematic and sector-specific funds monitor NBFC regulatory indicators and credit demand factors when evaluating allocation decisions.
Institutional stakeholders play a significant role in SBFC Finance’s ownership profile, with notable long-term investment entities such as SBFC Holdings Pte. Ltd., SBI Funds Management Limited, Amansa Capital Pte. Ltd., Aditya Birla Sun Life AMC Limited, Invesco Asset Management (India) Pvt. Ltd., Malabar Investments, Malabar India Fund Limited, The Vanguard Group, Inc., Tata AIA Life Insurance Company Limited, and Government Pension Fund Global among key shareholders identified in institutional holdings data. Mutual fund holders of SBFC Finance encompass those that seek small-cap and sectoral exposure, including SBI Small Cap Fund, Aditya Birla Sun Life Flexi Cap Fund, Tata AIA Life Insurance Whole Life Aggressive Growth Fund, Invesco India Small Cap Fund, Aditya Birla Sun Life ELSS Tax Saver Fund, Franklin India Smaller Companies Fund, Aditya Birla Sun Life Multi-Cap Fund, Axis Small Cap Fund, and Groww Banking & Financial Services Fund. These investors represent a blend of domestic and international perspectives that contribute to the stock’s market liquidity and visibility within broader investment frameworks.
The beta history for SBFC Finance, which measures volatility relative to broader market movements, shows variation across different time frames. Based on data from Simply Wall St, the beta coefficient for SBFC Finance has been recorded at a low level, suggesting that over certain intervals, the stock has exhibited lower volatility than the broader market. However, other sources indicate a beta coefficient near market levels, showing variation across measurement periods. The weekly volatility has averaged moderate levels compared to the consumer finance industry average and the market average. The SBFC Finance share pricehas shown periods of responsiveness to quarterly results and regulatory announcements. The SBFC Finance stock price beta reflects that the company’s secured lending focus and gold loan portfolio may provide some stability against extreme volatility, though the NBFC sector remains sensitive to interest rate cycles and asset quality fluctuations.
The sector relevance of SBFC Finance is anchored in its role within the broader Indian non-banking financial company (NBFC) industry, where it competes with other diversified lending institutions. As part of this industry, the company’s strategic positioning connects secured MSME loans, gold loans, and loan management services that serve the credit needs of small businesses. Competitors in adjacent segments include companies such as MAS Financial Services Limited, Capri Global Capital Limited, Fedbank Financial Services Limited, Poonawalla Fincorp Limited, Home First Finance Company India Limited, and Aavas Financiers Limited. Firms with parallels in either MSME lending focus or secured lending models are often referenced when evaluating relative performance and operational positioning within the sector.
In valuation terms, factors like the SBFC Finance P/E ratio tend to reflect narrative shifts in earnings expectations and investor confidence relative to these peers. Periods when investors perceived improvements in profitability or earnings sustainability have corresponded with changes in valuation multiples, whereas phases of moderation in earnings momentum or industry cyclicality have seen valuation contraction. The SBFC Finance P/E ratio has shown significant variation over the years, with periods of expansion followed by moderation. This directional behavior in valuation multiples demonstrates how market expectations around growth prospects and earnings durability influence broader assessment of the company’s valuation within its industry context.
Similarly, the SBFC Finance EPS narrative has shown variation according to how operational performance aligns with industry demand cycles and cost structures. Growth in AUM and loan disbursements supported directional improvement in earnings per share during favorable conditions, while cyclical headwinds from cost of funds increases and competitive pressures have moderated EPS momentum. SBFC Finance earnings have shown a trajectory that responded to both loan growth and margin pressures over the analyzed period. SBFC Finance market cap has fluctuated in line with investor perceptions of the company’s growth potential in a competitive and rapidly evolving NBFC market.
SBFC Finance market cap has fluctuated over the period since the company’s listing in August 2023. After listing, the company’s market capitalization showed an increasing trend in certain periods, reflecting growing investor confidence. A significant peak in market cap was observed in certain quarters, driven by strong AUM growth and profit performance. Subsequently, market cap showed fluctuating trends through the most recent period, with decreases in some quarters and recoveries in others. This fluctuation mirrors the movements in the SBFC Finance share priceand the broader volatility of the NBFC sector.
SBFC Finance earnings over the past five years have been characterized by consistent improvement across fiscal periods. Net profit showed a generally increasing trend, with reported net profit rising from earlier years through more recent fiscal years. A significant increase in earnings was recorded in each fiscal year, reflecting strong operating performance and AUM growth. Subsequently, earnings have continued to show improving trends in the most recent periods. This consistent earnings growth reflects the impact of loan portfolio expansion and improving operational efficiency on the company’s profitability.
SBFC Finance EPS history has shown significant improvement across different fiscal periods. After showing generally improving trends over several years, EPS recorded consistent increases in each fiscal year. The EPS showed growth from earlier fiscal years to more recent periods. The most recent trailing twelve-month EPS has continued this improving trend, reflecting the growth in net profitability and the company’s expanding operations.
SBFC Finance P/E ratio history has shown notable contraction from historical elevated levels. In earlier fiscal periods before the company’s IPO, the P/E ratio was at significantly elevated levels. Following the IPO and as earnings grew, the P/E ratio contracted substantially. In subsequent years, the P/E ratio has shown a moderating trend, decreasing from earlier levels. The current P/E ratio stands at a level that reflects investor expectations anchored to the company’s earnings growth trajectory despite near-term valuation fluctuations.
SBFC Finance is an Indian non-banking financial company listed on both the NSE and BSE, where the SBFC Finance share price reflects MSME credit demand cycles, branch network expansion, and competitive dynamics within the NBFC sector. Its representation in multiple stock indices supports market visibility, while investor interest is shaped by earnings trends, valuation narratives, and broader credit market conditions. Within the sector, the company’s competitive context and earnings dynamics provide key perspectives on its role in the Indian MSME lending landscape.
| Held By | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoter | 54.8 | 53.3 | 53.2 | 53 | 52.8 | 52.4 |
| FII | 4.9 | 6.5 | 7.1 | 7 | 6.9 | 6.2 |
| DII | 16.5 | 17.7 | 17 | 18.2 | 19.5 | 22 |
| Public | 23.8 | 22.4 | 22.6 | 21.7 | 20.7 | 19.4 |
| Period | Combined Delivery Volume | NSE+BSE Traded Volume Avg | Daily Avg Delivery Volume % |
|---|---|---|---|
| Day | 8.85 L | 14 L | 63.21% |
| Week | 4.63 L | 17.02 L | 27.23% |
| 1 Month | 13.41 L | 22.99 L | 58.31% |
| 6 Month | 13.26 L | 23.62 L | 56.11% |
Benjamin Graham Value Screen
Buy Zone: Stocks in the buy zone based on days traded at current PE and P/BV
Companies with high TTM EPS Growth
Annual Profit Growth higher than Sector Profit Growth
PEG lower than Industry PEG
Good quarterly growth in the recent results
Increasing Revenue every Quarter for the past 8 Quarters
Effectively using its capital to generate profit - RoCE improving in last 2 years
Effectively using Shareholders fund - Return on equity (ROE) improving since last 2 year
Efficient in managing Assets to generate Profits - ROA improving since last 2 year
Growth in Quarterly Net Profit with increasing Profit Margin (YoY)
Increasing Revenue every Quarter for the past 4 Quarters
Increasing profits every quarter for the past 4 quarters
Company able to generate Net Cash - Improving Net Cash Flow for last 2 years
Annual Net Profits improving for last 2 years
Book Value per share Improving for last 2 years
Companies with Zero Promoter Pledge
Stocks Outperforming their Industry Price Change in the Quarter
Ex-Date | Dividend Amount | Dividend Type | Record Date | Instrument Type |
|---|---|---|---|---|
| No Record Found | ||||
Financials | ||||||
|---|---|---|---|---|---|---|
| Price (₹) | ₹571.37 | ₹139.47 | ₹61.86 | ₹83.78 | ₹779.65 | ₹164.60 |
| % Change | 2.10% | 0.30% | 1.84% | -2.57% | -0.65% | 6.19% |
| Revenue TTM (₹ Cr) | - | ₹11,555.94 | ₹2,065.75 | ₹6,694.70 | ₹1,528.39 | ₹2,226.71 |
| Net Profit TTM (₹ Cr) | - | ₹126.60 | ₹180.87 | ₹130.78 | ₹503.15 | ₹343.60 |
| PE TTM | - | 103.90 | 91.50 | 115.20 | 16.90 | 16.40 |
| 1 Year Return | -2.67 | 30.63 | 18.05 | -10.58 | -12.02 | 63.95 |
| ROCE | - | - | 5.44 | - | 33.84 | - |
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