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SBFL (SBFL) Fair Value & Analysis

Consumer Cyclical · IN · Market cap ₹209M

S SBFL SBFL · BSE
Price₹21.96
Fair Value₹39.88
Upside+81.6%
Quality48/100
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Evidence: High Range ₹29.76 – ₹51.84

Fair value as of: Jul 6, 2026

From 22 valuation models · updated today

Share price −4.2% over the past month.

Price vs Fair Value (12 months)

₹30.31 ₹20.31 Fair Value ₹39.88 Jul 2025 Jul 2026

12‑month range ₹20.31 – ₹30.31 · fair‑value band ₹29.76 – ₹51.84 · the ₹21.96 price screens below the ₹39.88 fair value. As of Jul 6, 2026.

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Analysis

SBFL (SBFL) currently trades at ₹21.96, while our model-based Fair Value estimate is ₹39.88 — implying the stock looks roughly 81.6% undervalued today. We read business quality at 48/100 (below-average quality), in the Consumer Cyclical sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Over the trailing twelve months, SBFL generated revenue of ₹1.6B at a net margin of 1.4%. Revenue declined 9.4% year over year. It earns a return on equity of 6.3%. Net debt stands at ₹685M. Fundamentals as of Jul 6, 2026

Our scenario range runs from ₹29.76 (bear case) to ₹51.84 (bull case); at ₹21.96, the current price sits below that range. The share trades about 35% below its 52-week high and 13% above its 52-week low, currently below its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at 25% fair-value upside — at 82%, SBFL screens cheaper than that median.

Key figures & financial health

Revenue (TTM) ₹1.6B
Revenue growth (YoY) -9.4%
Net margin 1.4%
Return on equity 6.3%
Free cash flow ₹19.8M FY2025
P/E ratio 9.2
More key figures
Operating margin 4.9%
EPS (TTM) ₹2.40
EPS growth (YoY) -25.3%
Net debt ₹685M FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 6, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

SBFL reported revenue of ₹1.6B in FY2025 versus ₹1.6B in FY2021, a compound +0.7%/yr. Reported net income was ₹22.8M in FY2025, compounding +46.5%/yr from FY2021.

Revenue +0.7%/yr
FY21 ₹1.6B
FY22 ₹1.9B
FY23 ₹1.7B
FY24 ₹1.8B
FY25 ₹1.6B
Net income +46.5%/yr
FY21 ₹5.0M
FY22 ₹15.4M
FY23 ₹19.3M
FY24 ₹23.5M
FY25 ₹22.8M

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Cite: Fair Value Calculator (2026). "SBFL Fair Value". https://www.fairvalue-calculator.com/stock/SBFL

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Frequently asked questions

Is SBFL (SBFL) undervalued?
As of Jul 6, 2026, our model estimates a fair value of ₹39.88 versus a price of ₹21.96 — about +82% (undervalued). Model-based estimate, not financial advice.
What is the fair value of SBFL?
Our model-based fair value for SBFL is ₹39.88 (as of Jul 6, 2026), built from audited fundamentals. The current price is ₹21.96.
What is the quality score of SBFL?
SBFL has a Quality Score of 48/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of SBFL (SBFL)?
SBFL reported trailing-twelve-month revenue of about ₹1.6B (latest available figure, as of Jul 6, 2026).
What is the net profit margin of SBFL?
The net profit margin of SBFL is about 1.4%, meaning it keeps roughly 1.4% of revenue as net income. Based on the latest reported figures.

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.

Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.