- Valuation
- ₹8,891 Cr

About SBFC
SBFC is a publicly listed company based in Mumbai (India) founded in 2008 by Mahesh Dayani and Aseem Dhru. Diversified loans are provided to small businesses and consumers. SBFC has raised $194.86 million across 4 funding rounds from investors including Arpwood Partners, Arpwood Capital and Malabar Investments. The company has 3,627 employees. SBFC was last valued at $511.9 million in April 2022. Its chief executive, as recorded, is Aseem Dhru. Its website sbfc.com draws about 52 thousand monthly visits. Its Indian entity Sbfc Finance Limited reported revenue of βΉ1,680 Cr. SBFC offers products and services including Secured MSME Loans, Loan Against Gold, and Loan Management Services. Its focus areas include Consumer and SME Loans, SME Loans and Diversified. Its competitors include Manappuram Finance, L & T Finance Holdings and Bajaj Finserv; 1 of its 3 listed competitors has raised funding.
Company details
SBFC was founded in 2008 and is based in Mumbai, India. Operations are centered in the financial services sector, where loan management services are offered to institutional lenders. End-to-end functions, including collections, repayments, legal handling, and customer servicing, are overseen. Credit is extended primarily to small businesses and consumers across the region.
Recognitions & Rankings of SBFC
- Market Cap₹8,920 Cr
SBFC · NSE
- Share Price₹79.27
-1.18% today
- Revenue₹1,306 Cr
FY 2024-25 · +28.2% YoY
- EBITDA₹896 Cr
Margin 68.6%
- Net Profit₹346 Cr
FY 2024-25 · +45.7% YoY
- P/E (TTM)26.7x
P/B 2.9x
- ROE11.6%
ROCE 11.6%
- Debt / Equity1.55
Interest cover 47.9x
- Total Equity Funding$194.86M (USD)
in 4 rounds
- Latest Funding Round$32.98M (USD), Series B
Apr 2022
- InvestorsArpwood Partners
& 6 more
- Employee Count3,627
Associated legal entities of SBFC
SBFC is associated with 2 registered companies on The Company Check; the primary company is Sbfc Finance Limited, a listed company. Each company page carries the filings, financials, charges and directors of that entity.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Sbfc Finance Limited Listed CIN L67190MH2008PLC178270 | Active | 25 Jan 2008 | Mumbai, Maharashtra | ₹1,680 Cr | 3,627 | 12 | View details |
| Sbfc Home Finance Private Limited CIN U65992MH2022PTC394642 | Active | 06 Dec 2022 | Mumbai, Maharashtra | ₹0.1 Cr | 4 | View details |
Products & Services of SBFC
SBFC offers a comprehensive portfolio of products and services, including Secured MSME Loans, Loan Against Gold, and Loan Management Services.
Loans for MSME growth including premises and equipment upgrades.
Secured loans using gold as collateral for business needs.
Services for institutional lenders in collections and payments.
Apps and channels of SBFC
SBFC publishes 1 mobile app with over 100K+ downloads; its YouTube channel SBFC Finance Limited has 966 subscribers and 30 videos.
Videos from SBFC
The most watched videos on SBFC's YouTube channel, SBFC Finance Limited (966 subscribers). Click a video to play it here.
More on SBFC Finance Limited.
Funding Insights of SBFC
SBFC has successfully raised a total of $194.86M across 4 strategic funding rounds. The most recent funding activity was a Series B round of $32.98 million completed in April 2022. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $194.86M
- Total Rounds 4
- Last Round Series B β $32.98M
- First Round $133.58M
(Sep 2017)
- Investors Count 7
All 4 funding rounds of SBFC with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Apr 2022 | $32.98M | Series B | $511.9M | Malabar Investments, The Clermont | β |
| Jun 2020 | $13.24M | Series B | $216.49M | Arpwood Capital, The Clermont | |
| Jun 2019 | $15.06M | Series A | $β’β’β’β’β’ | Arpwood Partners | |
| Sep 2017 | $133.58M | Series A | $β’β’β’β’β’ | Arpwood Partners, Lyra Partners | β |
| Date | Valuation | Stage |
|---|---|---|
| Apr 2022 | $511.9M | β’β’β’β’β’β’β’β’ |
| Jun 2020 | $216.49M | β’β’β’β’β’β’β’β’ |
| Jun 2019 | $β’β’β’β’β’ | β’β’β’β’β’β’β’β’ |
| Sep 2017 | $β’β’β’β’β’ | β’β’β’β’β’β’β’β’ |
Full valuation and stage history of SBFC
Every valuation point, the growth-stage changes (minicorn, soonicorn, unicorn) and the dates behind them require an active premium plan.
- All valuation points
- Stage changes
- Dates
- Exports
Verified entity values are shown only after access is granted.
Last known valuation $511.9M (Apr 2022). 7 investors in total: 5 institutional and 2 angel.
Investors in SBFC
SBFC has secured backing from 7 investors, including venture fund, institutional, and angel investors. Prominent investors backing the company include Arpwood Partners, Arpwood Capital and Malabar Investments.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Long/short and event-driven equity hedge fund and private equity firm focused on small to mid size companies | malabarinvest.com | New York, United States | ||
Private equity investments are directed toward Singapore by The Clermont. | clermont.com | Singapore, Singapore | ||
Buyout-focused private equity solutions are offered for franchise shareholder transitions. | 2015 | arpwood-partners.com | Mumbai, India | |
Investment banking services focused on mergers, acquisitions, restructurings, and financing in India. | 2013 | arpwood.com | Mumbai, India | |
MD Mahesh Dayani | unknown_0a0f0570b24a4f2ba | |||
AD Aseem Dhru | unknown_53f4ad564a6341c2b | |||
An Italian advisory firm specialized in corporate finance and M&A. | 2010 | lyrapartners.it | Milan, Italy |
Investor details for SBFC
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
- Complete investor list
- Round participation
- Investor portfolios
- Co-investor network
Verified entity values are shown only after access is granted.
Board of directors of Sbfc Finance Limited (SBFC)
Sbfc Finance Limited is the primary company behind SBFC. The boards of the 2 registered companies of SBFC currently have 9 directors; the longest-serving is Aseem Dhru, appointed in 2017. 23 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Aseem Dhru DIN 01761455 | Whole-time director | 28 Sep 2017 | 9 yrs | Sbfc Finance Limited, Sbfc Home Finance Private Limited |
| Neeraj Swaroop DIN 00061170 | Director | 21 Nov 2017 | 8 yrs 11 mo | Sbfc Finance Limited |
| John Mescall DIN 08385575 | Nominee Director | 29 May 2019 | 7 yrs 4 mo | Sbfc Finance Limited, Sbfc Home Finance Private Limited |
| Jonathan Tadeusz Tatur DIN 08639243 | Nominee Director | 17 Dec 2019 | 6 yrs 10 mo | Sbfc Finance Limited, Sbfc Home Finance Private Limited |
| Surekha Marandi DIN 06952573 | Director | 23 Sep 2022 | 4 yrs | Sbfc Finance Limited |
| Ravi Venkatraman DIN 00307328 | Director | 21 Feb 2024 | 2 yrs 8 mo | Sbfc Finance Limited |
| Koni Uttam Nayak DIN 02543830 | Director | 26 Mar 2024 | 2 yrs 6 mo | Sbfc Finance Limited |
| Mahesh Kanyalal Dayani DIN 06561389 | Managing Director | 28 Feb 2025 | 1 yr 7 mo | Sbfc Finance Limited |
| Leroy James Langeveld DIN 11068486 | Nominee Director | 26 Apr 2025 | 1 yr 5 mo | Sbfc Finance Limited |
People of SBFC
2 people are tracked at SBFC (2 in leadership); the tracked headcount is 3,627.
| Name | Role | Group |
|---|---|---|
| Co-Founder | Leadership | |
| Founder & CEO | Leadership |
Complete people profiles for SBFC
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
IPO & Listings of SBFC
SBFC is a publicly listed company on the NSE with ticker symbol SBFC in India, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- IPO date16 Aug 2023
- Listed onBSE: 543959 · NSE: SBFC
- Listed entitySBFC Finance Limited
- Exchange sectorFinance
- ISININE423Y01016
- Share price₹87.92 (-0.83% on the day) · 2026-10-14
- Market capitalisation₹9,815 Cr
- Price to earnings20.3
- EPS (diluted, trailing year)₹4.33
- Volume (last session)225,212
Financials of SBFC
Exchange-reported figures of Sbfc Finance Limited, the listed company behind SBFC (NSE: SBFC).
Financial Highlights
FY 2024-25 Β· ConsolidatedRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 1,306 | 1,019 | 734 | 529 |
| Revenue growth | +28.2% | +38.8% | +38.8% | - |
| EBITDA | 896 | 681 | 486 | 319 |
| EBITDA margin | +68.6% | +66.9% | +66.2% | +60.3% |
| Profit before tax | 459 | 316 | 201 | 86.71 |
| Net profit | 346 | 237 | 150 | 64.77 |
| Net profit margin | +26.5% | +23.3% | +20.5% | +12.2% |
| EPS (βΉ) | 3.18 | 2.21 | 1.68 | 0.80 |
| Balance sheet | ||||
| Total assets | 8,454 | 6,774 | 5,466 | 4,227 |
| Net worth | 3,190 | 2,778 | 1,727 | 1,287 |
| Total debt | 5,264 | 3,996 | 3,739 | 2,940 |
| Cash & bank | 429 | 487 | 401 | 335 |
| Net working capital | 316 | 241 | 160 | 117 |
| Cash flow | ||||
| Cash from operations | (1,415) | (1,155) | (1,245) | (822) |
| Cash from investing | 174 | 159 | 206 | 652 |
| Cash from financing | 1,281 | 1,037 | 1,071 | 183 |
| Particulars | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 361 | 334 | 314 | 298 | 279 | 264 | 246 | 230 |
| Revenue growth (YoY) | +29.3% | +26.4% | +27.6% | +29.7% | - | - | - | - |
| Other income | 0.22 | 0.08 | 0.28 | 0.01 | 0.65 | 0.09 | 0.20 | 0.34 |
| EBITDA | 248 | 228 | 214 | 204 | 188 | 173 | 163 | 154 |
| EBITDA margin | +68.9% | +70.2% | +70.9% | +71.0% | +68.3% | +67.7% | +68.0% | +69.0% |
| Depreciation | 4.56 | 4.65 | 3.85 | 3.76 | 3.63 | 3.42 | 3.25 | 3.12 |
| Interest | 118 | 106 | 100 | 94.76 | 88.30 | 84.58 | 89.16 | 88.61 |
| Profit before tax | 125 | 118 | 110 | 105 | 97.22 | 85.50 | 70.62 | 62.77 |
| Tax | 31.25 | 29.49 | 26.23 | 26.47 | 23.54 | 21.66 | 18.02 | 15.82 |
| Net profit | 93.95 | 88.28 | 84.15 | 78.90 | 73.68 | 63.84 | 52.60 | 46.95 |
| EPS (βΉ) | 0.85 | 0.80 | 0.77 | 0.72 | 0.67 | 0.58 | 0.51 | 0.49 |
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 1,679 | 1,305 | 1,019 | 734 | 529 | 510 | 445 |
| Revenue growth | +28.6% | +28.1% | +38.8% | +38.8% | +3.7% | +14.8% | - |
| EBITDA | 1,162 | 895 | 681 | 486 | 319 | 362 | 311 |
| EBITDA margin | +69.2% | +68.6% | +66.8% | +66.2% | +60.3% | +70.9% | +69.9% |
| Profit before tax | 604 | 459 | 316 | 201 | 86.71 | 114 | 58.61 |
| Net profit | 451 | 346 | 237 | 150 | 64.77 | 85.09 | 35.49 |
| Net profit margin | +26.9% | +26.5% | +23.3% | +20.5% | +12.2% | +16.7% | +8.0% |
| EPS (βΉ) | 4.08 | 3.18 | 2.21 | 1.68 | 0.80 | 1.07 | 0.48 |
| Balance sheet | |||||||
| Total assets | 10,887 | 8,454 | 6,774 | 5,466 | 4,227 | 3,973 | 4,068 |
| Net worth | 3,725 | 3,190 | 2,778 | 1,727 | 1,287 | 1,205 | 1,012 |
| Total debt | 7,162 | 5,264 | 3,996 | 3,739 | 2,940 | 2,768 | 3,056 |
| Cash & bank | 645 | 429 | 466 | 401 | 335 | 341 | 416 |
| Net working capital | 557 | 316 | 220 | 160 | 117 | 141 | 371 |
| Cash flow | |||||||
| Cash from operations | (1,893) | (1,415) | (1,155) | (1,245) | (822) | (275) | (383) |
| Cash from investing | 131 | 176 | 158 | 206 | 652 | 375 | (1,863) |
| Cash from financing | 1,977 | 1,281 | 1,037 | 1,071 | 183 | (187) | 2,291 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 491 | 454 | 426 | 411 | 388 | 361 | 333 | 314 |
| Revenue growth (YoY) | +26.5% | +25.9% | +27.7% | +30.9% | +30.6% | - | - | - |
| Other income | 0.10 | 0.11 | 0.25 | 0.22 | 0.11 | 0.60 | 0.09 | 0.30 |
| Total expenses | 160 | 138 | 127 | 131 | 123 | 113 | 105 | 99.83 |
| EBITDA | 331 | 316 | 299 | 280 | 266 | 248 | 228 | 214 |
| EBITDA margin | +67.7% | +70.0% | +70.4% | +68.3% | +68.6% | +69.0% | +70.1% | +69.7% |
| Depreciation | 4.85 | 5.01 | 4.99 | 5.08 | 5.04 | 4.56 | 4.65 | 3.85 |
| Interest | 152 | 147 | 136 | 129 | 125 | 118 | 106 | 100 |
| Profit before tax | 174 | 164 | 158 | 146 | 136 | 126 | 117 | 110 |
| Tax | 44.00 | 41.36 | 39.83 | 36.75 | 34.81 | 31.40 | 29.39 | 26.15 |
Financial Statements
| Particulars | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 361 | 334 | 314 | 298 | 279 | 264 | 246 | 230 |
| Revenue growth (YoY) | +29.3% | +26.4% | +27.6% | +29.7% | - | - | - | - |
| Other income | 0.22 | 0.08 | 0.28 | 0.01 | 0.65 | 0.09 | 0.20 | 0.34 |
| EBITDA | 248 | 228 | 214 | 204 | 188 | 173 | 163 | 154 |
| EBITDA margin | +68.9% | +70.2% | +70.9% | +71.0% | +68.3% | +67.7% | +68.0% | +69.0% |
| Depreciation | 4.56 | 4.65 | 3.85 | 3.76 | 3.63 | 3.42 | 3.25 | 3.12 |
| Interest | 118 | 106 | 100 | 94.76 | 88.30 | 84.58 | 89.16 | 88.61 |
| Profit before tax | 125 | 118 | 110 | 105 | 97.22 | 85.50 | 70.62 | 62.77 |
| Tax | 31.25 | 29.49 | 26.23 | 26.47 | 23.54 | 21.66 | 18.02 | 15.82 |
| Net profit | 93.95 | 88.28 | 84.15 | 78.90 | 73.68 | 63.84 | 52.60 | 46.95 |
| EPS (βΉ) | 0.85 | 0.80 | 0.77 | 0.72 | 0.67 | 0.58 | 0.51 | 0.49 |
| Particulars | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Revenue | 1,306 | 1,019 | 734 | 529 |
| Revenue growth | +28.2% | +38.8% | +38.8% | - |
| Other income | 0.59 | 0.85 | 5.95 | 1.61 |
| Total expenses | 410 | 338 | 248 | 210 |
| Employee cost | 253 | 217 | 160 | 110 |
| EBITDA | 896 | 681 | 486 | 319 |
| EBITDA margin | +68.6% | +66.9% | +66.2% | +60.3% |
| Depreciation | 16.81 | 13.41 | 12.71 | 11.78 |
| Interest | 421 | 352 | 278 | 222 |
| Profit before tax | 459 | 316 | 201 | 86.71 |
| Tax | 113 | 79.04 | 51.63 | 22.17 |
| Net profit | 346 | 237 | 150 | 64.77 |
| Net profit margin | +26.5% | +23.3% | +20.5% | +12.2% |
| EPS (βΉ) | 3.18 | 2.21 | 1.68 | 0.80 |
| Particulars | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Equity & liabilities | ||||
| Share capital | 1,085 | 1,072 | 890 | 807 |
| Reserves & surplus | 2,101 | 1,706 | 838 | 480 |
| Shareholders' funds (net worth) | 3,190 | 2,778 | 1,727 | 1,287 |
| Minority interest | 0.00 | 0.00 | 0.00 | 0.00 |
| Secured loans | 5,264 | 3,996 | 3,739 | 2,940 |
| Unsecured loans | 0.00 | 0.00 | 0.00 | 0.00 |
| Total debt | 5,264 | 3,996 | 3,739 | 2,940 |
| Total liabilities | 8,454 | 6,774 | 5,466 | 4,227 |
| Assets | ||||
| Gross block | 358 | 344 | 328 | 328 |
| Net block | 308 | 300 | 296 | 299 |
| Capital work in progress | 0.58 | 1.53 | 0.75 | 0.00 |
| Investments | 327 | 406 | 607 | 848 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 14.81 | 14.58 | 10.83 | 8.27 |
| Cash & bank balances | 429 | 487 | 401 | 335 |
| Loans & advances | 12.20 | 17.29 | 15.76 | 41.56 |
| Total current assets | 456 | 519 | 427 | 385 |
| Total current liabilities | 140 | 278 | 268 | 269 |
| Net working capital | 316 | 241 | 160 | 117 |
| Total assets | 8,454 | 6,774 | 5,466 | 4,227 |
| Particulars | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Opening cash | 225 | 184 | 151 | 138 |
| Net cash from operating activities | (1,415) | (1,155) | (1,245) | (822) |
| Net cash from investing activities | 174 | 159 | 206 | 652 |
| Net cash from financing activities | 1,281 | 1,037 | 1,071 | 183 |
| Net change in cash | 40.19 | 41.40 | 32.33 | 13.20 |
| Closing cash | 429 | 487 | 401 | 335 |
| Particulars | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Growth | ||||
| Sales growth | +28.2% | +38.8% | +38.8% | - |
| EBITDA growth | +31.5% | +40.1% | +52.5% | - |
| PBT growth | +45.1% | +57.0% | +132.3% | +9997.0% |
| Net income growth | +45.7% | +57.8% | +132.1% | - |
| Revenue CAGR (3Y) | +35.2% | - | - | - |
| EBITDA CAGR (3Y) | +41.1% | - | - | - |
| Profitability & leverage | ||||
| Net income margin | +26.4% | +23.3% | +20.4% | +12.2% |
| Return on capital employed | +11.6% | +10.9% | +9.9% | +7.3% |
| Return on net worth | +11.6% | +10.5% | +9.9% | +5.0% |
| Debt / equity | 1.55 | 1.72 | 2.22 | 2.28 |
| Long-term debt / equity | 1.55 | 1.70 | 2.20 | 2.28 |
| Interest cover | 47.87 | 52.79 | 58.74 | 72.30 |
| Efficiency & per share | ||||
| Fixed asset turnover | 3.73 | 3.04 | 0.00 | 0.00 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 88.92 | 80.28 | 0.00 | 0.00 |
| EPS (βΉ) | 3.18 | 2.21 | 1.68 | 0.80 |
| Dividend per share (βΉ) | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (βΉ) | 29.36 | 25.92 | 19.42 | 15.95 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 491 | 454 | 426 | 411 | 388 | 361 | 333 | 314 |
| Revenue growth (YoY) | +26.5% | +25.9% | +27.7% | +30.9% | +30.6% | - | - | - |
| Other income | 0.10 | 0.11 | 0.25 | 0.22 | 0.11 | 0.60 | 0.09 | 0.30 |
| Total expenses | 160 | 138 | 127 | 131 | 123 | 113 | 105 | 99.83 |
| EBITDA | 331 | 316 | 299 | 280 | 266 | 248 | 228 | 214 |
| EBITDA margin | +67.7% | +70.0% | +70.4% | +68.3% | +68.6% | +69.0% | +70.1% | +69.7% |
| Depreciation | 4.85 | 5.01 | 4.99 | 5.08 | 5.04 | 4.56 | 4.65 | 3.85 |
| Interest | 152 | 147 | 136 | 129 | 125 | 118 | 106 | 100 |
| Profit before tax | 174 | 164 | 158 | 146 | 136 | 126 | 117 | 110 |
| Tax | 44.00 | 41.36 | 39.83 | 36.75 | 34.81 | 31.40 | 29.39 | 26.15 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 1,679 | 1,305 | 1,019 | 734 | 529 | 510 | 445 |
| Revenue growth | +28.6% | +28.1% | +38.8% | +38.8% | +3.7% | +14.8% | - |
| Other income | 0.68 | 0.99 | 0.85 | 5.95 | 1.61 | 1.16 | 0.18 |
| Total expenses | 517 | 410 | 338 | 248 | 210 | 149 | 134 |
| Employee cost | 286 | 253 | 217 | 160 | 110 | 84.18 | 73.63 |
| EBITDA | 1,162 | 895 | 681 | 486 | 319 | 362 | 311 |
| EBITDA margin | +69.2% | +68.6% | +66.8% | +66.2% | +60.3% | +70.9% | +69.9% |
| Depreciation | 20.11 | 16.81 | 13.41 | 12.71 | 11.78 | 9.54 | 8.18 |
| Interest | 539 | 421 | 352 | 278 | 222 | 239 | 244 |
| Profit before tax | 604 | 459 | 316 | 201 | 86.71 | 114 | 58.61 |
| Tax | 153 | 113 | 79.04 | 51.65 | 22.17 | 29.05 | 23.12 |
| Net profit | 451 | 346 | 237 | 150 | 64.77 | 85.09 | 35.49 |
| Net profit margin | +26.9% | +26.5% | +23.3% | +20.5% | +12.2% | +16.7% | +8.0% |
| EPS (βΉ) | 4.08 | 3.18 | 2.21 | 1.68 | 0.80 | 1.07 | 0.48 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 1,106 | 1,085 | 1,072 | 890 | 807 | 797 | 742 |
| Reserves & surplus | 2,619 | 2,101 | 1,706 | 838 | 480 | 408 | 270 |
| Shareholders' funds (net worth) | 3,725 | 3,190 | 2,778 | 1,727 | 1,287 | 1,205 | 1,012 |
| Secured loans | 7,162 | 5,264 | 3,996 | 3,739 | 2,940 | 2,768 | 3,056 |
| Unsecured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total debt | 7,162 | 5,264 | 3,996 | 3,739 | 2,940 | 2,768 | 3,056 |
| Total liabilities | 10,887 | 8,454 | 6,774 | 5,466 | 4,227 | 3,973 | 4,068 |
| Assets | |||||||
| Gross block | 379 | 358 | 344 | 328 | 328 | 319 | 305 |
| Net block | 314 | 308 | 300 | 296 | 299 | 301 | 294 |
| Capital work in progress | 1.87 | 0.58 | 1.53 | 0.75 | 0.00 | 0.33 | 0.00 |
| Investments | 192 | 327 | 427 | 607 | 848 | 1,484 | 1,879 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 20.29 | 14.81 | 14.58 | 10.83 | 8.27 | 3.89 | 3.42 |
| Cash & bank balances | 645 | 429 | 466 | 401 | 335 | 341 | 416 |
| Loans & advances | 90.38 | 12.26 | 17.54 | 15.82 | 41.56 | 30.03 | 67.59 |
| Total current assets | 756 | 456 | 498 | 427 | 385 | 375 | 487 |
| Total current liabilities | 199 | 140 | 278 | 268 | 269 | 234 | 115 |
| Net working capital | 557 | 316 | 220 | 160 | 117 | 141 | 371 |
| Total assets | 10,887 | 8,454 | 6,774 | 5,466 | 4,227 | 3,973 | 4,068 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 265 | 224 | 184 | 151 | 138 | 225 | 180 |
| Net cash from operating activities | (1,893) | (1,415) | (1,155) | (1,245) | (822) | (275) | (383) |
| Net cash from investing activities | 131 | 176 | 158 | 206 | 652 | 375 | (1,863) |
| Net cash from financing activities | 1,977 | 1,281 | 1,037 | 1,071 | 183 | (187) | 2,291 |
| Net change in cash | 216 | 41.21 | 40.43 | 32.28 | 13.20 | (86.80) | 44.99 |
| Closing cash | 645 | 429 | 466 | 401 | 335 | 341 | 416 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +28.6% | +28.1% | +38.8% | +38.8% | +3.7% | +14.8% | - |
| EBITDA growth | +29.8% | +31.4% | +40.0% | +52.5% | -11.8% | +16.4% | - |
| PBT growth | +31.6% | +45.1% | +56.9% | +132.3% | -24.0% | +94.6% | +67.5% |
| Net income growth | +30.6% | +45.7% | +57.7% | +132.1% | -23.9% | +139.8% | - |
| Revenue CAGR (3Y) | +31.7% | +35.1% | +25.9% | +18.2% | +44.2% | - | - |
| EBITDA CAGR (3Y) | +33.7% | +41.1% | +23.5% | +16.1% | +54.0% | - | - |
| Profitability & leverage | |||||||
| Net income margin | +26.9% | +26.5% | +23.3% | +20.4% | +12.2% | +16.7% | +8.0% |
| Return on capital employed | +11.8% | +11.6% | +10.9% | +9.9% | +7.5% | +8.8% | +7.4% |
| Return on net worth | +13.0% | +11.6% | +10.5% | +9.9% | +5.2% | +7.7% | +3.5% |
| Debt / equity | 1.80 | 1.55 | 1.72 | 2.22 | 2.29 | 2.63 | 3.02 |
| Long-term debt / equity | 1.76 | 1.55 | 1.70 | 2.20 | 2.29 | 2.63 | 3.02 |
| Interest cover | 47.21 | 47.91 | 52.79 | 58.73 | 72.30 | 67.94 | 80.69 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 4.56 | 3.72 | 3.04 | 2.26 | 1.64 | 1.64 | 1.46 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 95.70 | 88.88 | 80.27 | 77.52 | 87.29 | 139.96 | 130.07 |
| EPS (βΉ) | 4.08 | 3.18 | 2.21 | 1.68 | 0.80 | 1.07 | 0.48 |
| Dividend per share (βΉ) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (βΉ) | 33.69 | 29.36 | 25.92 | 19.42 | 15.95 | 15.13 | 13.64 |
Timeline of SBFC
5 dated milestones of SBFC across 15 years, from founding to its latest funding, stage changes and deals.
- Founded SBFC is founded.
- Funding First funding round of $133.6M.
- Milestone Reaches Minicorn status.
- Funding Latest funding round, Series B, of $33.0M.
- IPO Lists on the stock exchange (IPO).
Competitors of SBFC
SBFC has 3 listed competitors in our database, 1 of them funded. They include Manappuram Finance, L & T Finance Holdings and Bajaj Finserv.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| manappuram.com | 1992 | Valapad, India | $39.98M | 32,076 | Consumer and SME loans are provided by Manappuram Finance. | |
| ltfs.com | 1994 | Mumbai, India | 39,216 | Diversified lending services are provided as a non-banking financial institution. | ||
| bajajfinserv.in | 2007 | Pune, India | 53,782 | Financial solutions including loans and insurance are offered. |
Detailed competitors of SBFC
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Web traffic of SBFC
The website of SBFC (sbfc.com) receives about 51.9K visits a month.
- Monthly visits51.9K
▲ 160.1% vs previous month
Websites whose visitors overlap most with SBFC. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| capitalbank.co.in | 100% | 2.7K | #5,955,335 | View details | |
za.yahoo.com | za.yahoo.com | 92% | β | ||
| tvscredit.com | 91% | 1.1M | #44,929 | View details | |
| fedfina.com | 91% | 91.1K | #463,375 | View details | |
| buddyloan.com | 91% | 198.4K | #189,986 | View details | |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
All 33 similar websites and full traffic analytics for SBFC
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- 33 similar websites
- Audience overlap
- Engagement analytics
- Traffic by brand
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Top companies in Consumer and SME Loans
3 companies that operate in the same segment as SBFC (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Consumer and SME loans are provided by Manappuram Finance. | 1992 | Valapad, Kerala, India | USD 39.98 M | USD 1.01 B | 51,650 | |
Affordable home loans are extended to low and middle-income groups. | 2010 | Mumbai, Maharashtra, India | USD 209.7 M | USD 203.79 M | 1,630 | |
Diversified lending services are provided as a non-banking financial institution. | 1994 | Mumbai, Maharashtra, India | USD 1.9 B | 36,520 |
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Related news about Sbfc
Complete news archive for SBFC
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Frequently Asked Questions about SBFC
SBFC was founded in 2008 and raised its 1st funding round 9 years after it was founded.
SBFC is headquartered in Mumbai, India. It is registered at Mumbai, Maharashtra, India.
Aseem Dhru is the CEO of SBFC, as recorded in our data. They have also founded this company.
SBFC is a funded company, having raised a total of $194.86M across 4 funding rounds to date. The company's 1st funding round was a Series A of $133.58M, raised on Sep 2017.
SBFC has 3,627 employees.
The primary company behind SBFC, Sbfc Finance Limited, reported revenue of βΉ1,680 Cr for FY 2026, up 29% year on year.
SBFC was founded in 2008 and is based in Mumbai, India. Operations are centered in the financial services sector, where loan management services are offered to institutional lenders. End-to-end functions, including collections, repayments, legal handling, and customer servicing, are overseen. Credit is extended primarily to small businesses and consumers across the region.
SBFC's top competitors include Manappuram Finance, L & T Finance Holdings and Bajaj Finserv.
SBFC offers Secured MSME Loans, Loan Against Gold, and Loan Management Services.
Yes, SBFC is publicly traded on NSE under the ticker symbol SBFC.
SBFC has 7 investors. Key investors include Arpwood Partners, Arpwood Capital, Malabar Investments, The Clermont, and Mahesh Dayani.
The valuation of SBFC is $511.9M as of Apr 2022.
