SBFC Finance Limited (SBFC) Fair Value & Analysis
Financial Services · IN · Market cap ₹104B (≈ $1.1B) · ISIN INE423Y01016
What is SBFC Finance Limited really worth?
Below-average quality, and trading another 89% above our fair value of ₹52.92.
As of Aug 23, 2026, the fair value of SBFC Finance Limited is ₹52.92 per share against a price of ₹100.05, so the fair value sits 47% below the price. A model estimate blended from multiple valuation models, recalculated regularly.
Strengths
Risks
Fair value as of: Aug 23, 2026
From 7 valuation models · updated 14 days ago
Share price +6.9% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (₹58.35). The favourable scenario is already priced in.
- Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (3 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 23, 2026.
How to read this chart
37‑month range ₹73.10 – ₹119.25 · fair‑value band ₹39.69 – ₹58.35 · the ₹100.05 price screens above the ₹52.92 fair value. Dashed = 300-day average. As of Aug 23, 2026.
Analysis
SBFC Finance Limited (SBFC) currently trades at ₹100.05, while our model-based Fair Value estimate is ₹52.92, implying the stock looks roughly 89.1% overvalued today. The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of ₹142.48 per share, and 2 of the 7 models we run sit above the ₹100.05 price. Bear case: the Asset-Based group reads lowest at ₹22.54, and 5 of the 7 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, SBFC Finance Limited generated revenue of ₹10.7B at a net margin of 44.9%. Revenue grew 24.6% year over year. It earns a return on equity of 13.0%. Net debt stands at ₹66.8B. Fundamentals as of Aug 23, 2026
Our scenario range runs from ₹39.69 (bear case) to ₹58.35 (bull case); at ₹100.05, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 19% below its 52-week high and 26% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at −47%, SBFC screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly ₹1.90 per share, which is 3.6 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 7 models by family
Widest divergence: Earnings-Based (₹142.48) versus Asset-Based (₹22.54). Highest evidence: Owner Earnings (63).
Notify me when SBFC reaches fair value
Put SBFC on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Free, no payment details. Unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 23, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 38 · Market factors (momentum, volatility) 52
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
SBFC Finance Limited, a financial services platform, provides financing solutions. The company offers secured MSME loans and loans against gold, as well as loan management services to third-party financial institutions, including private banks, public sector banks, foreign banks, mutual funds, and asset reconstruction companies.
Full company description
SBFC Finance Limited, a financial services platform, provides financing solutions. The company offers secured MSME loans and loans against gold, as well as loan management services to third-party financial institutions, including private banks, public sector banks, foreign banks, mutual funds, and asset reconstruction companies. SBFC Finance Limited serves entrepreneurs and individual customers, as well as micro, small, and medium enterprises. The company was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
SBFC Finance Limited reported revenue of ₹16.4B in FY2026 versus ₹4.1B in FY2022, a compound +41.4%/yr. Reported net income was ₹4.5B in FY2026, compounding +62.6%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.
SBFC screens 89% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 325 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 23, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $326.16 | $206.40 | −37% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
Compare SBFC Finance Limited with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is SBFC Finance Limited (SBFC) overvalued or undervalued?
What is the fair value of SBFC?
What is the quality score of SBFC?
What is the price target for SBFC Finance Limited (SBFC)?
What is the SBFC Finance Limited stock forecast for 2026?
What is the revenue of SBFC Finance Limited (SBFC)?
What is the net profit margin of SBFC?
Watch SBFC Finance Limited in the live analysis
One click puts SBFC Finance Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.