SBFC Finance Limited
Financial trend (82/100) does the heavy lifting; momentum (20/100) is the drag.
Fair valueOur blended model reads SBFC Finance Limited as a Hold at 51/100. At ₹88.86 it trades above our blended DCF and relative-multiples fair value of ₹71.16, about 20% downside to that estimate — we read it as overvalued by 20%. On 22.5x trailing earnings it sits roughly in line with the Financial Services median of about 24.3x. The price is about 25% below its 52-week high of ₹118.5 and 10% above the low of ₹80.95. Financial health scores 82/100, with a Piotroski F-score of 3/9. The average analyst target of ₹122.86 implies about 38% upside across 7 analysts. It clears 4 of 13 investability checks, with durability 66, valuation 55 and momentum 20 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹56.93.
Analyst views
1-year price
EOD · 2026-09-2552-week range
-25.01% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold51Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 13.0%
- Fail: Low debt (D/E < 0.5): 1.96x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 22%
- Pass: Earnings growing: 30%
- Pass: Net margin ≥ 10%: 44.6%
- Pass: Current ratio > 1.5: 4.46
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- Fail: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter61.7%
- Institutions24.5%
- Public & other13.9%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (44.6%).
Opportunities
- Earnings growing (30% YoY).
- Revenue growing (22% YoY).
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
- Down 18% over the past year.
- Weak Piotroski score (3/9).
About SBFC Finance Limited
SBFC Finance Limited is a non-banking financial company based in Mumbai that provides financing services in India. The company offers loans to business owners and personal loans to individuals. Incorporated in 2008, it operates in the Indian lending market.
SBFC Finance Limited — frequently asked questions
Is SBFC Finance Limited a buy, hold or sell?
StocksWizard currently rates SBFC Finance Limited (SBFC) a Hold, based on a blended score of 51/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is SBFC Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates SBFC Finance Limited's fair value at about ₹71.16, versus a current price of ₹88.86 — roughly 20% downside. On that basis the stock looks overvalued by 20%.
Is SBFC Finance Limited financially healthy?
SBFC Finance Limited scores 82/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has SBFC Finance Limited's share price performed?
SBFC Finance Limited is down 18% over the past year and down 2% over three months, and last traded at ₹88.86. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.