SBFC Finance Limited (SBFC) Fair Value & Analysis
Financial Services · IN · Market cap ₹101B
Fair value as of: Jul 3, 2026
From 15 valuation models · updated today
Share price −1.7% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹80.95 – ₹119.02 · fair‑value band ₹39.72 – ₹104.04 · the ₹91.25 price screens above the ₹40.16 fair value. As of Jul 3, 2026.
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SBFC Finance Limited (SBFC) currently trades at ₹91.25, while our model-based Fair Value estimate is ₹40.16 — implying the stock looks roughly 56.0% overvalued today. We read business quality at 43/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, SBFC Finance Limited generated revenue of ₹10.1B at a net margin of 44.6%. Revenue grew 21.8% year over year. It earns a return on equity of 13.0%. Net debt stands at ₹66.8B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
SBFC Finance Limited, a non-banking financial company, engages in the financing business in India. It offers loans to business owners and personal loans. The company was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
SBFC Finance Limited reported revenue of ₹16.6B in FY2026 versus ₹4.1B in FY2022, a compound +41.9%/yr. Reported net income was ₹4.5B in FY2026, compounding +62.6%/yr from FY2022.
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6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €283.80 | €135.27 | -52% |
| Mastercard Incorporated M4I | €425.90 | €272.71 | -36% |
| American Express Company AXP | C$28.87 | C$17.03 | -41% |
| Capital One Financial Corporation COF | $183.20 | $122.33 | -33% |
| Bajaj Finance Limited BAJFINANCE | ₹962.40 | ₹397.61 | -59% |
| PayPal Holdings PYPL34 | R$11.10 | R$3.93 | -65% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.