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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
SBFC Finance Limited is a non-banking finance company. The Company provides secured micro-small and medium enterprises (MSME) loans and loans against gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, trading cheap versus its own history — but flagged on governance.
SBFC Finance is scored on the nbfc / financials framework. It keeps a fat 26.4% of every rupee of sales as net profit.
Over the last 2 years revenue compounded at 34%/yr and profit at 52%/yr. Book value itself has compounded 35%/yr — the hallmark of a genuine compounder. Return on equity is a modest 11.6%. In the latest quarter profit grew 6% versus the prior quarter.
At 29× earnings, the stock sits at the 12th percentile of its own 3.3-year range — the cheap end of where it has historically traded. Today's price implies ~13%/yr earnings growth for a decade. The forensic screen raises a red flag: Share count up 35% over 4 years — heavy equity dilution.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 27.77 | 10.88 | worse |
| P/B | 3.01 | 1.4 | worse |
| EV/EBITDA | 16.08 | 14.13 | worse |
| ROE | 11.57 | — | — |
| ROCE | 11.55 | — | — |
| ROA | 4.08 | — | — |
| Quick Ratio | 3.25 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 3 financial years shown. 34% CAGR over 2 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (52% vs 34%) — margin expansion is at work. The latest year saw a +46% swing — check if it's a one-off or structural.
Operating margin has expanded from 27% to 35% — the business is keeping more of each rupee earned.
ROE at 11% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (52% vs 37%) — share dilution is eroding per-share value. 37% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 3 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 8% sequentially — momentum is building. Run-rate stepping up — recent quarters average 13% above earlier ones.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.3y median.
Promoter holding at 52.2% — majority control intact. Both FII and MF added last quarter — broad institutional confidence.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.