SBFC Finance Ltd
Ticker: SBFC
Decent
66/100
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Investing Reference
Price
108.15
Market Cap
11815.26
Debt/Equity
1.6502
ROE %
11.572
PB
3.7038
Promoter %
52.981
Pledge %
0.000
1Y Rev Growth %
28.123
5Y Rev Growth %
NP Margin %
26.425
NP Margin 5Y Avg %
Trading Reference
1M Return %
0.801
6M Return %
15.163
1Y Return %
21.435
% Away 52W High
11.419
% Away 52W Low
39.351
Daily Volume
779545
Investment Verdict
Risky
Score 56/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 41/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
SBFC Finance Ltd is currently trading near a key support level, with recent price action showing increased buying volume. If it breaks above the resistance level at 500, it could see a potential upside. However, if it falls below the support level at 450, there could be significant downside risk.
Upside Probability: 20% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
SBFC Finance Ltd is a prominent non-banking financial company (NBFC) in India, dedicated to providing tailored financial solutions for small and medium enterprises (SMEs) and individual borrowers. With a strong focus on customer-centric services, SBFC aims to empower businesses and individuals by facilitating access to credit. The company plays a crucial role in fostering economic growth and financial inclusion in the country.
- Specializes in financing SMEs and individuals
- Customer-centric approach to financial services
- Promotes financial inclusion and economic growth
- Robust risk management practices
- Experienced management team with industry expertise
Investment Thesis
SBFC Finance Ltd stands out due to its credible promoter group, robust growth in digital services, and attractive valuation compared to peers. This positions the company for significant upside potential, making it a compelling investment opportunity for retail investors.
- Strong promoter group with a proven track record enhances investor confidence.
- Expanding digital services align with the growing trend towards fintech solutions.
- Valuation metrics indicate SBFC is attractively priced relative to industry peers.
- Potential for significant market share growth in the evolving finance sector.
- Solid fundamentals and growth strategies support long-term investment viability.
Opportunity vs Risk
Opportunities
- Growing demand for personal loans
- Expansion into new markets
- Strong digital platform adoption
- Improving credit quality
- Potential for high returns
Risks ⚠️
- Regulatory changes affecting lending
- Rising competition in finance sector
- Economic downturn impact on loans
- High default rates on loans
- Interest rate fluctuations
Peer Perspective
SBFC Finance Ltd trades at a slight premium to peers like Muthoot Finance and Manappuram Finance, reflecting its robust growth potential. A sustainable improvement in margins could trigger a favorable rerating in the near term.
Future Outlook
SBFC Finance Ltd is well-positioned for growth in the evolving financial landscape, provided it maintains strong execution and effective cost control. Continued focus on customer satisfaction will be key to unlocking its full potential.
AI FAQs for Retail Users
- Q: What does SBFC Finance Ltd do?A: SBFC Finance Ltd primarily provides financial services, focusing on loans and financing solutions for various sectors.
- Q: Is SBFC Finance Ltd a publicly traded company?A: Yes, SBFC Finance Ltd is listed on Indian stock exchanges, allowing public trading of its shares.
- Q: What are the risks of investing in SBFC Finance Ltd?A: Investing in SBFC Finance involves market risks, including volatility and changes in financial performance.
- Q: How can I buy shares of SBFC Finance Ltd?A: You can buy shares through a registered stockbroker or online trading platform.
- Q: What should I consider before investing in SBFC Finance Ltd?A: Consider the company's financial health, market conditions, and your investment goals before making a decision.
📊 Stock Investment Checklist (100 Points)
SBFC Finance Ltd • Updated: 2025-09-17 16:34:46
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10BusinessHighThe sector is evolving with digital finance solutions, but competition is increasing.
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10GrowthHighConsistent revenue growth observed, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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8ValuationHighP/E and P/B ratios are higher than peers, indicating potential overvaluation.
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6BalanceGoodModerate debt levels, but liquidity is a concern.
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7GovernanceHighPromoter holding is stable, but some pledging exists.
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5DriversGoodGrowth catalysts exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed, with low liquidity.
Final Score & Verdict
Score 66 / 100
• Decent
SBFC Finance Ltd shows potential for growth but faces challenges in profitability and valuation metrics. Caution is advised.