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SBFC Finance share price & results

SBFC Finance Limited· Financial Services

Results to
Sept 2026
Latest analysed call
Q2 FY27
Ownership as of
Sept 2026

Secured MSME NBFC: property-backed business loans (Rs 5-30 lakh ticket) and gold loans across India.

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Guidance Hit Rate
19 targets · 57% hit rate 4 achieved · 12 active →
Segment Shift
Sector & Mix Compare sector growth & peers →
Reverse DCF
Implied Growth Test priced-in growth in DCF tool →
Concall & Tone
Q2 FY27 analysed Read claims, qualifiers & Q&A →

Price & Snapshot

₹88.78 +0.60% · +₹0.53

Last close 5 Nov 2026 · NSE · INR · Source: Inve

Performance −24.5% 1Y

₹80₹90₹100₹110₹120Nov 25Dec 25Feb 26Mar 26May 26Jun 26Aug 26Sept 26Nov 26Q3 FY26 — 23 Jan 2026Q4 FY26 — 27 Apr 2026Q1 FY27 — 24 Jul 2026Q2 FY27 — 26 Oct 2026

1Y: ₹117.52 on 4 Nov 2025 → ₹88.78. High ₹117.52 (4 Nov 2025), low ₹77.54 (26 Oct 2026).

Previous close
₹88.25
Market cap
₹9.9k Cr
52-week range
₹77.54 – ₹117.52
One year
−24.46%

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue33.0 ₹ crore+6.5% YoYQuarterly, as filedQuarter to Sept 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Sept 2026Not in the filed figures for the quarter to sept 2026. No older figure is substituted.
Net profit139 ₹ crore+27.5% YoYQuarterly, as filedQuarter to Sept 2026Profit after tax as filed.
Return on equityUnavailable+1.0 ptsFY Mar 2025 vs FY Mar 2024Trailing twelve monthsTTM · period unavailableNot in the analysed materials. No older figure is substituted.
Free cash flow marginUnavailable—Fiscal yearFY · period unavailableNot in the analysed materials. No older figure is substituted.
Revenue growth (YoY)Unavailable−10.7 ptsFY Mar 2025 vs FY Mar 2024Trailing twelve monthsTTM · period unavailableNot in the analysed materials. No older figure is substituted.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Sept 2026

Guidance

What management said, and what became of it

4 of 7 judged targets kept · 12 open · verdicts reflect calls analysed to Q2 FY27.

SBFC Finance Limited management guidance track record on Inve: 19 targets tracked across analysed earnings calls (4 achieved, 3 missed, 12 open).

Watch execution in Growth & Demand (1 achieved · 2 delayed/missed).

TargetOriginal wordingSaidLatest callVerdict
Growth AUM Growth QoQ5% to 7% quarter-on-quarter
Call transcript, Q1 FY26 · 26 Jul 2025		Q1 FY26Q2 FY27:This promise pertained to FY26 and remains achieved.
Call transcript, Q2 FY27 · 26 Oct 2026		Achieved
Growth Gold Loan AUM %under 20%
Call transcript, Q3 FY26 · 24 Jan 2026		Q3 FY26Q2 FY27:Missed. Gold loan share of AUM increased further to 23.0% (INR 2,906 crores of INR 12,592 crores), remaining above the original 20% cap as management operates under its revised 20%-25% band.
Call transcript, Q2 FY27 · 26 Oct 2026		Missed
Growth Total Branchesstabilize at 275 branches
Call transcript, Q4 FY26 · 27 Apr 2026		Q4 FY26Q2 FY27:Only 1 branch was added in Q2 FY27 (6 added in H1 FY27), bringing the total network to 257 branches, tracking the scaled-back expansion plan rather than the original 275-branch target.
Call transcript, Q2 FY27 · 26 Oct 2026		Revised Down

Source: Inve Guidance Tracker for SBFC Finance Limited · to Q2 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

3 of SBFC Finance Limited's 19 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 16 more targets are in the full ledger.

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Sector context

Sector call context

Shared sector pressures matched to this company’s latest reporting period.

Similar pressures reported by peers

Tailwind coverage is not available yet.

Similar commentary provides sector context; it does not establish a business relationship with SBFC Finance Limited. Each comparison matches a headwind disclosed by SBFC Finance Limited in the same calendar reporting quarter.

  • The CEO referred to 'assessing a draft regulatory circular that may impact profitability'…

    Topic: Regulatory compliance · Regulatory policy · Q2 FY27

    SBFC Finance Limited reported: The CEO referred to 'assessing a draft regulatory circular that may impact profitability' and gave no further detail.

    Reporting period ended 2026-09-30

    44 other companies · Regulatory policy

    HDFC Bank (HDFCBANK) reported (period ended 2026-09-30): LCR at 113% is close to the regulatory minimum of 100% and the bank's target range of 110-120%, potentially limiting aggressive loan growth without further deposit mobilization.

    ICICI Bank (ICICIBANK) reported (period ended 2026-09-30): The bank continues to hold an additional standard asset provision of ₹1,283 crore mandated by the RBI pending completion and regulatory clearance of the remediation review.

    Bajaj Finance Limited (BAJFINANCE) reported (period ended 2026-09-30): Potential transient impact on AUM and NIM if RBI implements a complete ban on revolver loans; company is launching new term loan variants and awaiting final regulations on insurance norms.

    Kotak Mahindra Bank Limited (KOTAKBANK) reported (period ended 2026-09-30): The one-time impact is expected to be under 2% of net worth on April 1. The recurring +12-15 bps credit cost guidance awaits regulatory clarity, expected during Q3.

    Evidence drawer

    Evidence type: Summary paraphrase

    The CEO referred to 'assessing a draft regulatory circular that may impact profitability' and gave no further detail.

    Source company: SBFC Finance Limited · Reporting period ended 2026-09-30 · Calendar quarter: Q2 FY27 · Distinct companies matched: 44

    Similar commentary provides sector context; it does not establish a business relationship.

From available earnings-call summaries. Disclosures are management statements, not independently verified transactions.

Live Summary

SBFC ₹88.78 +0.60%
Guidance Verdict (19 tracked) 4 kept · 12 open· 3 missed
AI Call Brief · Q2 FY27

SBFC Finance Limited Q2 FY27

Overview

Symbol
NSE:SBFC
Exchange
NSE
Currency
INR

What SBFC Finance Limited does

Based on the company's own presentations, annual report and earnings calls.

SBFC Finance is a non-banking finance company that lends to India's self-employed proprietors, traders and micro-entrepreneurs, most of whom lack standard income documentation. Its core product is a secured MSME loan (ticket size Rs 5 lakh-30 lakh) collateralised against self-occupied residential or commercial property, underwritten using household-level cash-flow assessment, local relationship knowledge and a spouse/parent co-borrower on every loan. It also offers loans against gold jewellery for short-tenure liquidity needs. All loan origination is done in-house through its own branch network and feet-on-street team, supplemented by co-origination tie-ups with banks, rather than through third-party DSAs or brokers.

Segments

  • Secured MSME
  • Loan Against Gold (LAG)
  • Others
Branches
251
Cities covered
199
States & Union Territories present in
18 states and 2 UTs
Active/live customers
2,02,683
Employees
5,055
Loan sourcing model
100% in-house sourcing (no DSA/broker channel)
Founded 2017Headquarters Mumbai, MaharashtraEmployees 5,055 (March 2026)

How the price took the results

Moved an average of ±4.1% across the last 4 priced result releases

Close before → close after
QuarterReleaseRevenue (₹ Cr) Net profit (₹ Cr)Rev YoYBefore → AfterReaction
Q2 FY2726 Oct 2633 139+6.5%₹79.82 → ₹77.54−2.9%
Q1 FY2725 Jul 2627 130−12.9%₹92.18 → ₹90.38−2.0%
Q4 FY2627 Apr 2626 123−10.3%₹94.94 → ₹94.93−0.0%
Q3 FY2624 Jan 2628 118+7.7%₹101.86 → ₹89.97−11.7%

The move from the last close before each results date to the first close on or after it — the market's first read on the quarter alongside what was filed.

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Quick Answers

Frequently asked questions on SBFC Finance Limited

Compiled directly from SBFC's filed financial statements, earnings call transcripts, and ownership disclosures.

How did SBFC Finance Limited (SBFC) perform in its latest reported quarter (Sept 2026)?

For the quarter ended Sept 2026, SBFC Finance Limited reported revenue of ₹33 Cr, net profit of ₹139 Cr. Diluted earnings per share stood at ₹1.25.

How is SBFC Finance Limited (SBFC) valued today, and what growth does the stock price imply?

SBFC Finance Limited (SBFC) trades at ₹88.78, with a market capitalization of ₹9.9k Cr.

Who owns SBFC Finance Limited (SBFC) — promoters, FIIs, DIIs, and mutual funds?

As of Sept 2026, Promoters hold 52.2%, FIIs hold 7.7%, DIIs hold 22.2%, Public shareholders hold 17.8%.

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