SBFC Finance share price today

SBFC Finance Ltd's share price was ₹88.25 at the close on 4 November 2026. It has been falling for 40 weeks. That is 5.1% below its average price over the last 200 trading days. In the last 52 weeks it traded between ₹80 and ₹114, and at that close it sat 25% of the way up from that low.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today SBFC Finance Ltd is in stage 4. The phase helps read everything below.

Over the past 13 weeks it has done better than the NIFTY 500, and it has stayed ahead for 1 week in a row.

Over the last 3.2 years the share price moved +0% while the NIFTY 500 moved +29%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Three changes stood out: promoters cut their stake for 12 quarters in a row, revenue up on a year earlier for 10 quarters in a row (every quarter we can compare) and profit up on a year earlier for 10 quarters in a row (every quarter we can compare).

1. Promoters cut their stake for 12 quarters in a row

   From 64.1% to 52.2% of the company by the September 2026 quarter.

2. Revenue up on a year earlier for 10 quarters in a row (every quarter we can compare)

   In the September 2026 quarter revenue was ₹546 crore, +32.8% on a year earlier.

   Why: Revenue rose because the company's loan book grew by 27% from a year earlier, so more loans were earning interest.

   Next results: check whether small business loan disbursements and joint lending stay steady after the staff changes.

   From the earnings call on 26 Oct 2026.

3. Profit up on a year earlier for 10 quarters in a row (every quarter we can compare)

   In the September 2026 quarter profit was ₹139 crore, +27.5% on a year earlier.

   Why: Profit rose because the company made a wider gap between the interest it earned on loans and the interest it paid to borrow.

   Next results: check the money set aside for bad loans and whether more loans stop being repaid, especially if rain or state waivers hurt.

   From the earnings call on 26 Oct 2026.

For July to September 2026 (the quarter ended 30 September 2026), SBFC Finance reported total income of ₹546 crore, up 32.8% from ₹411 crore a year earlier, and a profit of ₹139 crore, up 27.5% from ₹109 crore.

SBFC Finance results: July to September 2026 against a year earlier

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

SBFC Finance's management discussed these results on a call held on 26 October 2026; what it said is further down this page.

From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.

SBFC Finance closed at ₹88.25 on 4 November 2026, down 22.6% from ₹113.97 a year earlier (7 November 2025) and up 7.8% over three years. Its highest weekly close since August 2023 was ₹119.02 on 11 July 2025.

SBFC Finance share price: then and now

Weekly closing prices. Each change is the move from that price to the 4 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

174 weekly closes from 18 August 2023 to 4 November 2026.

4 Nov 2026: SBFC Finance closed at ₹88.25, up 4.6% on the week and up 4.8% on the month. 26 Oct 2026: SBFC Finance held its results call for July to September 2026. Management guided: AUM growth of 5%-7% on the previous quarter from here.

Earlier

• Results for July to September 2026: Total income up 32.8% and profit up 27.5% on a year earlier.

SBFC Finance has paid no dividend on the NSE since its first NSE close in our records (18 August 2023), the start of the period we checked.

No. SBFC Finance Ltd paid out 0% of its profit as dividends in each of its last 8 reported years, so there is no payout history to show. That comes from the filed annual statements, not an estimate.

From the NSE corporate-actions record, read 5 November 2026.

On the call for July to September 2026, held on 26 October 2026, SBFC Finance's management guided: AUM growth of 5%-7% on the previous quarter from here.

“While this is a welcome outcome, please do not pencil in 9.6% in your models as the new norm, since competitive intensity in gold is rising and some pricing rationalization is likely.”Mahesh Dayani, on the call for July to September 2026

What management guided

• FY27 opex reduction of 25 basis points, with further reductions expected over the next two quarters.
• Gold-loan share to remain within 20%-25% of AUM, with MSME remaining the flagship.
• Spread around 9%-9.25%, with no material compression expected after rate repricing.
• H2FY27 MSME disbursement growth at least double-digit on a year earlier.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for July to September 2026, 26 October 2026.

When SBFC Finance reports October to December 2026, these are the 4 checks that show whether the story is still on course. First: Check consistency in MSME disbursements and co-origination after repositioning and restaffing.

SBFC Finance is on 2 of our India lists: Undervalued stocks and Penny stocks.

SBFC Finance Ltd earned ₹139 Cr of net profit in the Sep 2026 quarter, +27.5% on the same quarter a year earlier. That is the 10th quarter in a row of profit growth. Full-year FY26 profit was ₹451 Cr. Over 7 years profit has grown 52.1% a year on average. That is 25.5% of the quarter's revenue.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

The same quarter a year earlier earned ₹109 Cr.

For the full year, FY26 profit was ₹451 Cr (+30.7% on the year before).

Why profit moved: revenue changed +32.8% on a year earlier and the margin moved −1.0 percentage points. Sales did the work, and the margin was about flat.

On average over the last four quarters, profit changed +30.3% and revenue +28.3%. Profit and revenue are moving at about the same pace.

SBFC Finance Ltd reported ₹546 Cr of income in the Sep 2026 quarter, +32.8% on the same quarter a year earlier. That is the 10th quarter in a row with growth on the year before. Over 7 years it has grown 37.9% a year on average. The last full year, FY26, came in at ₹1,679 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

The last four reported quarters add to ₹1,917 Cr.

FY26 revenue was ₹1,679 Cr, +28.7% on the year before.

Recent pace: the last four quarters grew +28.3% on average, against 37.9% a year over the longer run, so this year is growing slower than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +28.4%, against +28.9% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +30.1%, against +30.4% a year (stabilising).

SBFC Finance Ltd's net margin was 25.5% in the Sep 2026 quarter, 1.0 percentage points lower than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 8 years it has been between 8.1% and 26.9%. The latest quarter is within that range.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

As noted under valuation: when margins are at a record, every ratio built on profit looks better than usual, so a low multiple can mislead.

SBFC Finance Ltd's gross NPA, the share of loans that have stopped being repaid, is 2.66% in Jun 2026, down from 2.78% a year ago. After the money already set aside for bad loans, 1.55% is left (net NPA). Across the 11 quarters on file it has been between 2.38% and 2.78%.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Falling bad loans mean the loan book is healing; rising ones mean new damage.

In Jun 2026, gross NPA was 2.66% and net NPA 1.55%, against 2.78% and 1.57% a year ago.

The bad-loan figures stop at Jun 2026, and our data does not yet carry gross and net NPA for the quarters after it, although results up to Sep 2026 are in. They are shown as filed, not estimated.

In short: a lender's profit growth is only as good as its loans, and this loan book is better than a year ago. Quarterly detail on money set aside for bad loans is not in our data yet, so this shows the levels and the trend, not the cost of the clean-up.

Why bad loans moved: recoveries, write-offs and new bad loans all play a part. That split is not in our data, so the page shows the trend without the breakdown.

SBFC Finance Ltd's revenue was ₹1,679 Cr in FY26, +28.7% on the year before, so the loan book is growing. The latest quarter was +32.8% on a year earlier. The net margin on that income is 25.5%, −1.0 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

SBFC Finance Ltd's P/BV is 2.4×, near the low end of its own history: it has been lower only 3% of the time. Its usual P/BV (the middle reading) is 3.2×, over 3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.

Keep one thing in mind: the net margin is the best this company has ever reported. A multiple that looks low against its own past can mislead when profit is at a record. If margins fall back, today's multiple is higher than it looks.

Why the multiple is where it is: over the past year book value grew while the price moved −22.6%. Price and book value moved together, so the multiple stayed in its range.

Where the price move came from: over 3 years the price moved +2.5% a year; about +14.9% a year came from book-value growth and about −12.4 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple.

In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple.

SBFC Finance Ltd's business is growing steadily. Revenue, profit and EPS growth have stayed positive throughout, and ROE is steady at 12.6%. This is based on 12 quarters of 4 measures.

Every business is somewhere on a path of getting better or worse, and this section names where. The last 12 quarters of growth in revenue, profit and earnings per share, plus the return the business earns on its capital, are read as lines. Getting worse: the lines are falling. Turning around: a low point has just formed and the last few quarters are rising from it. Getting better: the rise from the low has lasted. Growing steadily: steady growth with healthy returns. Slowing from a peak: still high, but slowing. When the lines disagree the result is mixed; too little history means no reading. CAGR (compound annual growth rate) is the steady yearly rate that would turn the starting value into the latest one. It is the fairest way to compare growth over different periods. If the 1-year figure is much bigger than the 10-year one, recent growth is running faster than the long-run trend. A dash means there is no figure for that period, or the starting year was a loss, where a growth rate means nothing.

Why it matters: steady growth with healthy returns is how a business compounds over time.

Compound annual growth rate (%)

Compound annual growth rate over each period, %. Revenue, profit and EPS come from yearly figures; the share price row is price growth over the same periods. A dash means no figure for that period, or the starting year was a loss.

SBFC Finance Ltd earned a return on equity of 13% in FY26. Its lowest yearly reading on file was 3% in FY19. On its assets, every ₹100 earned about ₹4.34, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together.

Two numbers rate a bank: ROE, what it earns on shareholders’ money, and ROA, what it earns on all its assets. An ROE above about 13 to 15% is healthy; below that, net worth grows slowly.

That is above the level a bank needs to grow its net worth steadily.

Why ROE moved: profit grew 52.1% a year over 7 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low.

For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead.

For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here.

Domestic institutions raised their stake in SBFC Finance Ltd by 6.0 percentage points over 8 quarters, the biggest change among its owners. Domestic institutions now own 22.2% of the company. Foreign institutions moved +3.1 points over the same period, to 7.7%. This uses the four owner groups that companies report every quarter; nothing is guessed between filings.

Who owns the company each quarter: promoters (the founders or controlling owners), foreign institutions, domestic institutions such as mutual funds, and the public. When people close to the business steadily raise their stake, that is worth noticing; a quiet list is also an answer.

Over the last two years: Domestic institutions: +6.0 points over 8 quarters, to 22.2%; Foreign institutions: +3.1 points over 8 quarters, to 7.7%; Promoters: −2.8 points over 8 quarters, to 52.2%.

Why the owners changed: domestic institutions drove it (+6.0 points), together with foreign institutions (+3.1 points). They raised their stake step by step.

For SBFC Finance Ltd, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead.

The Z-score estimates how far a company is from balance-sheet trouble. Above about 3 is safe; below about 1.8 is the danger zone. It was built for manufacturers, so it is not used for banks and lenders.

65.8 out of 100, rank 1 of 6 in Finance & Investments - MSME Lending, with 93% of the evidence available.

SBFC Finance Ltd scores 65.8 out of 100 against the 6 companies it is compared with in Finance & Investments - MSME Lending, ranking 1. Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks.

The four parts add up to the total exactly: 23 + 17.1 + 11 + 14.7 = 65.8. This is the same number shown on the industry page; it is worked out once for the whole group and read here.

What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector.

SBFC Finance ranks 1 of 6 Finance & Investments - MSME Lending companies on the 4-Factor Sector Score, with 65.8 out of 100.

Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led NIFTY 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led NIFTY 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read.

The figures in this ranking come from the industry comparison: results through the Sep 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section.

Related companies: Finance & Investments - MSME Lending, all 6 compared on one page.

SBFC Finance is the 2nd largest of 5 Finance & Investments - MSME Lending companies on Sector Alpha by market value (scores of 30 October 2026). Just above it: Five-Star Business Finance. Just below it: SG Finserve, MAS Financial Services and Moneyboxx Finance.

Finance & Investments - MSME Lending companies close in size

1. Five-Star Business Finance Ltd ₹11,715 crore
2. SBFC Finance Ltd ₹9,381 crore
3. SG Finserve Ltd ₹4,540 crore
4. MAS Financial Services Ltd ₹4,439 crore
5. Moneyboxx Finance Ltd ₹424 crore

All 5 Finance & Investments - MSME Lending companies, largest first

Companies close in size in other industries

603. Elecon Engineering Company Ltd ₹9,419 crore · Capital Goods - Mining Equipement
604. Procter & Gamble Health Ltd ₹9,413 crore · Pharma - MNC bulk Drugs
605. SBFC Finance Ltd ₹9,381 crore
606. Lloyds Enterprises Ltd ₹9,323 crore · Trading
607. Jain Resource Recycling Ltd ₹9,317 crore · Recycling

Sector Alpha, written by code from the published numbers. Data as of 4 November 2026.

Every chart on this page is drawn by code from the published figures, with no forecasts and no price opinions.

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