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SBFC Finance (SBFC)₹88.24−2.37%Non Banking Financial Company (NBFC)
In the Jun 2026 quarter (standalone), SBFC Finance reported revenue of ₹493 Cr, up 26.6% from Jun 2025, and net profit of ₹130 Cr, up 28.9% year on year. For the year to Mar 2026, revenue were ₹1,685 Cr and net profit ₹450 Cr.
Company filings, standalone accounts; latest reported quarter Jun 2026
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 247 | 265 | 280 | 298 | 315 | 334 | 363 | 389 | 413 | 428 | 456 | 493 |
| Interest | 88.79 | 84.78 | 87.71 | 94.71 | 99.68 | 106 | 118 | 125 | 129 | 136 | 147 | 152 |
| Net interest income | 158 | 180 | 192 | 203 | 215 | 229 | 245 | 265 | 284 | 292 | 309 | 341 |
| Expenses | 82.89 | 89.85 | 90.91 | 93.97 | 99.87 | 105 | 113 | 123 | 131 | 127 | 138 | 160 |
| Financing Profit | 74.14 | 89.22 | 100 | 109 | 114 | 122 | 130 | 141 | 151 | 163 | 169 | 179 |
| Financing Margin % | 30.0% | 34.0% | 36.0% | 36.9% | 35.9% | 37.0% | 35.9% | 36.0% | 36.9% | 37.9% | 37.0% | 36.0% |
| Other Income | 0.00 | 0.00 | 1.01 | 0.00 | 0.00 | 0.00 | 0.99 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 2.99 | 2.99 | 3.99 | 3.99 | 3.99 | 4.99 | 4.98 | 4.98 | 4.99 | 4.98 | 4.98 | 4.99 |
| Profit before tax | 70.99 | 86.05 | 97.01 | 105 | 110 | 117 | 126 | 136 | 146 | 158 | 164 | 174 |
| Tax % | 26.0% | 25.0% | 24.0% | 25.0% | 24.0% | 25.0% | 25.0% | 26.0% | 25.0% | 25.0% | 25.0% | 25.0% |
| Net Profit | 52.90 | 63.90 | 72.86 | 78.86 | 83.92 | 87.87 | 93.80 | 101 | 109 | 118 | 123 | 130 |
| EPS (Rs) | 0.48 | 0.59 | 0.67 | 0.74 | 0.79 | 0.82 | 0.86 | 0.92 | 0.99 | 1.07 | 1.12 | 1.19 |
| Gross NPA % | 2.4% | 2.4% | 2.4% | 2.6% | 2.7% | 2.7% | 2.7% | 2.8% | 2.8% | 2.7% | 2.6% | 2.7% |
| Net NPA % | 1.3% | 1.4% | 1.4% | 1.5% | 1.6% | 1.6% | 1.5% | 1.6% | 1.5% | 1.5% | 1.5% | 1.6% |
| Provision coverage (approx., excl. write-offs) % | 43.9% | 42.9% | 44.0% | 41.9% | 39.4% | 39.6% | 44.9% | 43.5% | 45.5% | 45.4% | 41.0% | 41.7% |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 178 | 447 | 512 | 531 | 736 | 1,023 | 1,310 | 1,685 | 1,789 |
| Interest | 49.88 | 243 | 238 | 221 | 277 | 351 | 420 | 538 | 562 |
| Net interest income | 128 | 203 | 274 | 310 | 459 | 672 | 891 | 1,147 | 1,226 |
| Expenses | 88.98 | 134 | 149 | 210 | 247 | 338 | 409 | 515 | 555 |
| Financing Profit | 37.07 | 67.07 | 123 | 97.15 | 209 | 329 | 476 | 624 | 663 |
| Financing Margin % | 20.9% | 15.0% | 23.9% | 17.9% | 27.9% | 32.0% | 35.9% | 37.0% | 37.1% |
| Other Income | 0.00 | 0.00 | 0.99 | 0.99 | 4.99 | 1.01 | 0.00 | 0.00 | 0.00 |
| Depreciation | 1.99 | 7.98 | 9.97 | 11.96 | 12.96 | 12.97 | 16.94 | 19.93 | 19.94 |
| Profit before tax | 34.99 | 58.98 | 114 | 86.98 | 201 | 316 | 459 | 604 | 642 |
| Tax % | 30.0% | 39.0% | 25.0% | 26.0% | 26.0% | 25.0% | 25.0% | 25.0% | — |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | −0.99 | 0.00 | 0.00 | 0.00 | — |
| Net Profit | 23.98 | 35.94 | 84.83 | 64.90 | 150 | 237 | 344 | 450 | 479 |
| EPS (Rs) | 0.37 | 0.45 | 1.02 | 0.78 | 1.68 | 2.20 | 3.17 | 4.08 | 4.37 |
| Dividend payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 675 | 741 | 796 | 806 | 888 | 1,071 | 1,083 | 1,105 |
| Reserves | 204 | 270 | 408 | 480 | 838 | 1,708 | 2,104 | 2,623 |
| Borrowings | 843 | 3,053 | 2,766 | 2,939 | 3,737 | 3,998 | 5,263 | 7,165 |
| Other Liabilities | 70.66 | 139 | 257 | 287 | 279 | 288 | 140 | 198 |
| Total Liabilities | 1,793 | 4,203 | 4,227 | 4,512 | 5,742 | 7,064 | 8,591 | 11,090 |
| Fixed Assets | 269 | 293 | 300 | 298 | 295 | 299 | 307 | 313 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.99 | 1.99 | 0.99 | 1.99 |
| Investments | 167 | 1,874 | 1,479 | 845 | 605 | 426 | 326 | 191 |
| Other Assets | 1,357 | 2,035 | 2,448 | 3,369 | 4,841 | 6,337 | 7,958 | 10,584 |
| Trade receivables | 0.00 | 3.01 | 4.01 | 8.01 | 11.01 | 15.01 | 15.01 | 20.02 |
| Cash & equivalents | 197 | 417 | 342 | 336 | 402 | 467 | 430 | 646 |
| Total Assets | 1,793 | 4,203 | 4,227 | 4,512 | 5,742 | 7,064 | 8,591 | 11,090 |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | −367 | −382 | −274 | −820 | −1,242 | −1,151 | −1,410 | −1,889 |
| Cash from investing activity | 146 | −1,862 | 375 | 651 | 206 | 158 | 176 | 131 |
| Cash from financing activity | 396 | 2,300 | −188 | 184 | 1,075 | 1,041 | 1,286 | 1,983 |
| Net cash flow | 173 | 44.92 | −86.87 | 12.98 | 31.94 | 39.96 | 40.95 | 216 |
| Capex | 7.01 | 5.01 | 14.01 | 10.01 | 9.01 | 12.02 | 12.02 | 15.02 |
| Free cash flow | −376 | −389 | −290 | −832 | −1,254 | −1,168 | −1,428 | −1,908 |
| CFO / OP % | −421.0% | −104.0% | −64.0% | −244.0% | −243.0% | −156.0% | −144.0% | −148.0% |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROE % | 3.0% | 4.0% | 8.0% | 5.0% | 9.9% | 10.9% | 12.0% | 13.0% |
For the Jun 2026 quarter, SBFC Finance reported revenue of ₹493 Cr, up 26.6% year on year and net profit of ₹130 Cr, up 28.9% year on year.
SBFC Finance's revenue for the year to Mar 2026 were ₹1,685 Cr; over the last twelve months they were ₹1,789 Cr.
Net profit for the year to Mar 2026 was ₹450 Cr, and ₹479 Cr over the last twelve months. Earnings per share over the same trailing period were ₹4.37.
Cash from operations was −₹1,889 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹1,908 Cr.