SBFC Finance LimitedSBFCBank / NBFC

Finance & Investments Latest results: Mar 2025 8 quarters of data

₹85.20

MCap ₹9,467 Cr · P/E 27.4

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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.

₹361 Cr

Interest Earned · Mar 2025

+29.4% YoY

—

Operating Profit · Mar 2025

₹94 Cr

Net Profit · Mar 2025

+27.0% YoY

₹0.87

EPS · Mar 2025

+26.1% YoY

2.74%

Gross NPA % · Mar 2025

1.51%

Net NPA % · Mar 2025

📝 SBFC Finance Limited — results explained

Quarter ended March 2025 (Q4 FY25)

SBFC Finance Limited reported total income of ₹361 crore for the quarter ended March 2025 (Q4 FY25), up 28.9% from ₹280 crore in the same quarter last year, and up 8.1% sequentially over the December 2024 quarter.

Of this, interest earned contributed ₹361 crore and other income ₹0 crore. Net interest income (interest earned minus interest expended of ₹118 crore) worked out to ₹243 crore.

Net profit rose 27.0% year-on-year to ₹94 crore, from ₹74 crore. Earnings per share (EPS) came in at ₹0.87.

On asset quality, gross NPA stood at 2.74% and net NPA at 1.51% (gross NPA was 2.43% a year ago).

Full year and trailing twelve months

For the full year FY25, SBFC Finance Limited posted total income of ₹1,307 crore, a growth of 28.1% over FY24, with a net profit of ₹345 crore (up 45.0% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹1,307 crore with a net profit of ₹345 crore.

Valuation snapshot

At the current price of ₹85.20, SBFC has a market capitalisation of ₹9,467 crore and a trailing P/E of about 27.4.

Within the Finance & Investments industry, it is the 15th-largest of the 117 companies we track by market value.

Shareholding pattern

As of Jun 2026, promoters held 52.31%, foreign institutional investors (FIIs) 7.22%, domestic institutional investors (DIIs) 20.71%, public shareholders 19.70% of SBFC Finance Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close

Valuation

Market Cap ?

₹9,467 Cr

Current Price ?

₹85.2

P/E ?

27.44above ind

Industry P/E ?

18.90

P/B ?

2.97

P/S ?

7.24

P/FCF ?

-6.63

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

0.37

Earnings Yield ?

3.6%

Dividend Yield ?

0.00%

Profitability & Returns

Total Income (TTM) ?

₹1,307 Cr

OPM ?

N/A

Profit after tax (TTM) ?

₹345 Cr

EPS (TTM) ?

₹3.10

ROCE ?

N/A

ROE ?

10.8%

ROA ?

4.0%

Gross NPA % ?

2.74%

Net NPA % ?

1.51%

Growth

Total Income — latest qtr ?

₹361 Cr

PAT — latest qtr ?

₹94 Cr

YoY qtr sales growth ?

28.9%

YoY qtr profit growth ?

27.0%

Sales growth (3y) ?

35%

Sales growth (5y) ?

N/A

Profit growth (3y) ?

75%

Profit growth (5y) ?

N/A

Financial Health

Debt ?

N/A

Debt to Equity ?

N/A

Interest Coverage ?

N/A

Current Ratio ?

N/A

Ownership

Promoter holding ?

52.31%

Change in promoter holding ?

-0.88%

Pledged percentage ?

N/A

Market

Return 3 months ?

-9.4%

Return 6 months ?

-12.5%

🗓️ Quarterly results (8 quarters · ₹ Cr)

same fiscal quarter as Mar bestweakest per row · for costs (interest, NPAs) low is best Highlight

Metric	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	YoY %	QoQ %
Interest Earned	230	246	264	279	298	314	334	361	+29.4%	+8.1%
Other Income	0	0	0	1	0	0	0	0	-100.0%	—
Total Income	230	246	264	280	298	314	334	361	+28.9%	+8.1%
Interest Expended	89	89	85	88	95	100	106	118	+34.1%	+11.3%
Operating Profit	—	—	—	—	—	—	—	—	—	—
Provisions	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	63	71	86	97	105	110	118	125	+28.9%	+5.9%
Net Profit	47	53	64	74	79	84	88	94	+27.0%	+6.8%
EPS	0.51	0.49	0.60	0.69	0.73	0.78	0.82	0.87	+26.1%	+6.1%
Gross NPA %	2.54%	2.37%	2.38%	2.43%	2.60%	2.69%	2.70%	2.74%	—	—
Net NPA %	1.55%	1.33%	1.36%	1.36%	1.51%	1.63%	1.63%	1.51%	—	—
Capital Adequacy Ratio	—	—	—	—	—	—	—	—	—	—

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric	FY24	FY25	TTM	YoY %
Interest Earned	₹1,019 Cr	₹1,307 Cr	₹1,307 Cr	+28.3%
Other Income	₹1 Cr	₹0 Cr	₹0 Cr	-100.0%
Total Income	₹1,020 Cr	₹1,307 Cr	₹1,307 Cr	+28.1%
Interest Expended	₹351 Cr	₹419 Cr	₹419 Cr	+19.4%
Net Interest Income	₹668 Cr	₹888 Cr	₹888 Cr	+32.9%
Operating Profit	—	—	—	—
Provisions	—	—	—	—
Profit Before Tax	₹317 Cr	₹458 Cr	₹458 Cr	+44.5%
Tax	—	—	—	—
Net Profit	₹238 Cr	₹345 Cr	₹345 Cr	+45.0%
EPS	₹2.29	₹3.20	₹3.20	+39.7%

🏛️ Balance Sheet (latest 4 periods)

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	% Chg
Equity Capital	807	890	1,072	1,085	+1.2%
Reserves	480	838	1,706	2,105	+23.4%
Borrowing	2,940	3,739	3,996	5,264	+31.7%
Other Liabilities	288	280	289	141	-51.2%
Total Liabilities	4,515	5,746	7,063	8,596	+21.7%
Fixed Assets	299	296	300	308	+2.7%
CWIP	0	1	2	1	-50.0%
Investments	848	607	406	327	-19.5%
Other Assets	3,368	4,843	6,355	7,960	+25.3%
Total Assets	4,515	5,746	7,063	8,596	+21.7%

💧 Cash Flow (latest 4 periods)

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	% Chg
Cash from Operating Activity	-822	-1,245	-1,155	-1,415	-22.5%
Cash from Investing Activity	652	206	159	174	+9.4%
Cash from Financing Activity	183	1,071	1,037	1,281	+23.5%
Net Cash Flow	13	32	41	40	-2.4%
Free Cash Flow	-831	-1,253	-1,167	-1,427	-22.3%
CFO/OP	-244%	-243%	-156%	-144%	+7.7%

➗ Ratios (latest 4 periods)

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	% Chg
ROE %	5%	10%	11%	12%	+9.1%

👥 Shareholding (latest 5 periods)

Metric	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	% Chg
Promoters	53.19%	52.98%	52.82%	52.35%	52.31%	-0.1%
FIIs	7.12%	7.01%	6.88%	6.21%	7.22%	+16.3%
DIIs	16.99%	18.21%	19.53%	21.97%	20.71%	-5.7%
Public	22.63%	21.74%	20.71%	19.40%	19.70%	+1.5%
Others	0.07%	0.06%	0.06%	0.06%	—	—
No. of Shareholders	1,42,155	1,42,669	1,46,556	1,38,467	1,34,577	-2.8%

⚖️ Peer comparison

Industry: Finance & Investments · top 25 of 117 companies · full page →

#	Company	CMP	MCap (Cr)	P/E	Total Inc TTM	NP TTM	OPM%	NPM%	Inc YoY%	NP YoY%	Qtr Rev Δ%	Qtr NP Δ%
1	LICI Life Insurance	₹398.20	503,723	8.4	881,845	60,055	-7.5%	6.8%	10.0%	18.9%	-43.2%	24.0%
2	SBILIFE SBI Life	₹1,671.70	167,740	67.9	112,315	2,471	0.7%	2.2%	-3.9%	2.4%	-82.4%	-1.1%
3	ICICIGI ICICI Lombard	₹1,508.90	75,386	29.5	27,196	2,556	5.4%	9.4%	12.7%	10.6%	-3.2%	15.4%
4	ICICIPRULI ICICI Prudential	₹496.90	72,089	44.8	63,356	1,608	0.3%	2.5%	-10.5%	35.7%	-79.7%	62.1%
5	GICRE General Insurance	₹337.75	59,255	6.7	51,723	8,877	16.9%	17.2%	6.8%	30.0%	-8.6%	-31.1%
6	MFSL Max Financial	₹1,585.90	54,444	492.4	49,823	137	0.5%	0.3%	2.6%	-73.9%	16.7%	37.5%
7	STARHEALTH Star Health	₹555.55	32,689	38.7	18,509	844	4.4%	4.6%	10.7%	-13.8%	16.2%	109.0%
8	NIACL New India	₹171.56	28,273	36.7	49,363	771	-1.3%	1.6%	14.3%	36.4%	-3.6%	-160.7%
9	GODIGIT Go Digit	₹250.90	23,196	47.1	10,128	492	0.7%	4.9%	6.8%	28.0%	5.5%	-37.4%
10	FIVESTAR Five-Star Business	₹549.40	16,218	14.7	3,293	1,103	11.0%	33.5%	13.3%	2.3%	5.9%	2.0%
11	NIVABUPA Niva Bupa	₹74.77	13,830	38.1	7,598	360	4.2%	4.7%	24.6%	-38.5%	65.8%	251.4%
12	PRUDENT Prudent Corporate	₹3,123.30	12,933	52.8	1,372	246	24.2%	17.9%	19.5%	13.8%	18.2%	43.8%
13	EDELWEISS Edelweiss Financial	₹126.74	11,996	17.1	10,508	711	27.5%	6.8%	12.5%	27.1%	3.7%	30.5%
14	IIFLCAPS IIFL Capital	₹344.80	10,867	18.8	2,433	572	35.0%	23.5%	0.6%	-20.8%	2.3%	4.6%
15	SBFC SBFC Finance	₹87.70	9,745	20.1	1,783	480	9.8%	26.9%	28.6%	30.7%	26.7%	28.8%
16	RELIGARE Religare Enterprises	₹223.35	7,700	n/m	8,953	18	0.7%	0.2%	14.8%	-60.3%	26.5%	-687.3%
17	PAISALO Paisalo Digital	₹76.83	7,023	29.4	943	237	0.0%	25.1%	22.0%	19.1%	33.8%	56.5%
18	FEDFINA Fedbank Financial	₹150.76	5,655	12.9	2,563	434	12.9%	16.9%	7.1%	52.2%	34.3%	63.4%
19	MASFIN MAS Financial	₹288.85	5,241	13.3	2,092	398	7.1%	19.0%	24.8%	19.4%	20.3%	26.6%
20	NORTHARC Northern Arc	₹301.00	4,865	12.0	2,705	404	0.0%	14.9%	14.8%	34.2%	22.7%	250.0%
21	PILANIINVS Pilani Investment	₹4,020.00	4,451	—	248	-12	87.1%	-4.9%	-6.4%	-68.5%	-70.9%	-1075.5%
22	SHAREINDIA Share India	₹183.78	4,022	11.1	1,577	364	40.1%	23.1%	1.5%	-1.2%	31.4%	48.1%
23	KIRLOSIND Kirloskar Industries	₹3,690.00	3,878	50.6	113	76	71.5%	67.0%	9.0%	-2.1%	-27.9%	-9.4%
24	INDOSTAR IndoStar Capital	₹239.15	3,866	—	1,417	-395	6.6%	-27.8%	74.4%	15.7%	-76.0%	-97.9%
25	MUTHOOTMF Muthoot Microfin	₹179.17	3,006	12.5	2,493	245	4.3%	9.8%	-7.1%	176.6%	20.0%	1250.0%

❓ Frequently asked questions

What was SBFC Finance Limited's total income in Q4 FY25?

What was SBFC Finance Limited's net profit in Q4 FY25?