Financials SBFC Finance Limited

Equities

SBFC

INE423Y01016

Consumer Lending

End-of-day quote NSE India S.E. 06:00:00 2024-05-07 pm EDT 5-day change 1st Jan Change
84.2 INR +3.76% Intraday chart for SBFC Finance Limited -3.61% -5.82%

Valuation

Fiscal Period: March 2024 2025 2026
Capitalization 1 90,267 - -
Enterprise Value (EV) 1 87,855 90,267 90,267
P/E ratio 34.9 x 28.5 x 22.2 x
Yield - - -
Capitalization / Revenue 13.1 x 10.1 x 7.9 x
EV / Revenue 13.1 x 10.1 x 7.9 x
EV / EBITDA - - -
EV / FCF - - -
FCF Yield - - -
Price to Book 3.28 x 3 x 2.63 x
Nbr of stocks (in thousands) 1,072,051 - -
Reference price 2 84.20 84.20 84.20
Announcement Date 4/27/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2023 2024 2025 2026
Net sales 1 - 6,693 8,958 11,430
EBITDA - - - -
EBIT 1 - 3,632 4,908 6,386
Operating Margin - 54.26% 54.78% 55.87%
Earnings before Tax (EBT) 1 - 3,161 4,256 5,515
Net income 1 1,497 2,371 3,183 4,124
Net margin - 35.43% 35.53% 36.08%
EPS 2 1.620 2.350 2.950 3.800
Free Cash Flow - - - -
FCF margin - - - -
FCF Conversion (EBITDA) - - - -
FCF Conversion (Net income) - - - -
Dividend per Share - - - -
Announcement Date 7/27/23 4/27/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2024 Q3 2024 Q4
Net sales 1 1,761 1,951
EBITDA - -
EBIT 1 892.7 1,063
Operating Margin 50.69% 54.48%
Earnings before Tax (EBT) 1 762.5 930
Net income 1 596.5 706.7
Net margin 33.87% 36.22%
EPS - 0.7000
Dividend per Share - -
Announcement Date - -
1INR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: March 2023 2024 2025 2026
Net Debt - - - -
Net Cash position - - - -
Leverage (Debt/EBITDA) - - - -
Free Cash Flow - - - -
ROE (net income / shareholders' equity) - 10.3% 10.8% 12.5%
ROA (Net income/ Total Assets) - 3.43% 3.7% 3.78%
Assets 1 - 66,641 86,034 109,258
Book Value Per Share 2 - 25.70 28.10 32.00
Cash Flow per Share - - - -
Capex - - - -
Capex / Sales - - - -
Announcement Date 7/27/23 4/27/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
84.2 INR
Average target price
98.6 INR
Spread / Average Target
+17.10%
Consensus

Annual profits - Rate of surprise

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  4. Financials SBFC Finance Limited
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