Financials SBFC Finance Limited

Equities

SBFC

INE423Y01016

Consumer Lending

End-of-day quote NSE India S.E. 18:00:00 2024-06-18 EDT 5-day change 1st Jan Change
86.28 INR -0.22% Intraday chart for SBFC Finance Limited +1.67% -3.49%

Valuation

Fiscal Period: March 2024 2025 2026 2027
Capitalization 1 87,855 92,658 - -
Enterprise Value (EV) 1 87,855 92,658 92,658 92,658
P/E ratio 34.9 x 29.2 x 22.7 x 18.4 x
Yield - - - -
Capitalization / Revenue 13.1 x 10.6 x 8.33 x 6.59 x
EV / Revenue 13.1 x 10.6 x 8.33 x 6.59 x
EV / EBITDA - - - -
EV / FCF - - - -
FCF Yield - - - -
Price to Book 3.16 x 3.07 x 2.7 x 2.31 x
Nbr of stocks (in thousands) 1,072,051 1,073,918 - -
Reference price 2 81.95 86.28 86.28 86.28
Announcement Date 24-04-27 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2023 2024 2025 2026 2027
Net sales 1 - 6,693 8,729 11,128 14,071
EBITDA - - - - -
EBIT 1 - 3,632 4,815 6,260 8,023
Operating Margin - 54.26% 55.16% 56.25% 57.02%
Earnings before Tax (EBT) 1 - 3,161 4,146 5,360 6,712
Net income 1 1,497 2,371 3,183 4,124 5,284
Net margin - 35.43% 36.47% 37.07% 37.55%
EPS 2 1.620 2.350 2.950 3.800 4.700
Free Cash Flow - - - - -
FCF margin - - - - -
FCF Conversion (EBITDA) - - - - -
FCF Conversion (Net income) - - - - -
Dividend per Share - - - - -
Announcement Date 23-07-27 24-04-27 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2024 Q3 2024 Q4
Net sales 1 1,794 1,912
EBITDA - -
EBIT 1 978 1,108
Operating Margin 54.53% 57.96%
Earnings before Tax (EBT) 1 855.2 972.1
Net income 1 638.6 736.7
Net margin 35.6% 38.52%
EPS 2 - 0.6900
Dividend per Share - -
Announcement Date 24-01-25 24-04-27
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2023 2024 2025 2026 2027
Net Debt - - - - -
Net Cash position - - - - -
Leverage (Debt/EBITDA) - - - - -
Free Cash Flow - - - - -
ROE (net income / shareholders' equity) - 10.5% 10.8% 12.5% 14%
ROA (Net income/ Total Assets) - 3.7% 3.7% 3.77% 3.65%
Assets 1 - 64,046 86,034 109,500 144,758
Book Value Per Share 2 - 25.90 28.10 32.00 37.30
Cash Flow per Share - - - - -
Capex - - - - -
Capex / Sales - - - - -
Announcement Date 23-07-27 24-04-27 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
86.28 INR
Average target price
98.6 INR
Spread / Average Target
+14.28%
Consensus

Annual profits - Rate of surprise

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