| ₹ crore | Q2 FY27 | Q2 FY26 | Change |
|---|---|---|---|
| Total income | 547 | 411 | +33.0% |
| Net interest income | 317 | 251 | +26.5% |
| Net profit | 139 | 109 | +27.2% |
| EPS | ₹1.25 | ₹1.00 | +25.0% |
Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.
| Tap a line for its trend | Currentlast 12M | FY26Mar 2026 | FY25Mar 2025 | FY24Mar 2024 |
|---|
| 9,625 | — | — | — | |
| 1,918 | 1,680 | 1,306 | 1,020 | |
| — | +28.6% | +28.1% | — | |
| 1,161 | 1,017 | 777 | 568 | |
| — | +30.9% | +36.9% | — | |
| 10.3% | 10.3% | 9.9% | 8.0% | |
| 36.2% | 36.2% | 40.0% | 45.7% | |
| 1.5% | 1.5% | 1.1% | 0.8% | |
| 510 | 451 | 345 | 237 | |
| — | +30.6% | +45.6% | — | |
| ₹4.61 | ₹4.08 | ₹3.12 | ₹2.14 | |
| — | +30.6% | +45.6% | — | |
| 13.0% | 13.0% | 11.6% | 8.5% | |
| 4.6% | 4.6% | 4.4% | 3.4% | |
Balance sheet | ||||
| 11,161 | 9,805 | 7,504 | 5,836 | |
| — | +30.7% | +28.6% | — | |
| 7,162 | 7,162 | 5,264 | 3,996 | |
| 1.92× | 1.92× | 1.65× | 1.44× | |
| 2.98× | 2.98× | 2.69× | 2.54× | |
From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.
In ₹ Crore except Per Share 12 Months Ending | FY24 31/03/2024 | FY25 31/03/2025 | FY26 31/03/2026 | Current/LTM TTM · last close | |
|---|---|---|---|---|---|
| Market Capitalization | — | — | — | 9,625.2 | |
| Total Income | 1,019.8 | 1,306.1 | 1,679.5 | 1,918.2 | |
| Growth %, YoY | — | +28.1 | +28.6 | — | |
| Net Interest Income | 567.6 | 777.1 | 1,016.9 | 1,160.6 | |
| Growth %, YoY | — | +36.9 | +30.9 | — | |
| NIM %, on assets | 8.04 | 9.93 | 10.33 | 10.33 | |
| Cost to Income % | 45.74 | 39.99 | 36.16 | 36.16 | |
| Credit Cost %, on avg loans | 0.81 | 1.11 | 1.45 | 1.45 | |
| Net Income | 237.0 | 345.2 | 450.8 | 509.8 | |
| Growth %, YoY | — | +45.6 | +30.6 | — | |
| EPS, Adj (current shares) | 2.14 | 3.12 | 4.08 | 4.61 | |
| Growth %, YoY | — | +45.6 | +30.6 | — | |
| ROE % | 8.53 | 11.57 | 13.04 | 13.04 | |
| ROA % | 3.36 | 4.41 | 4.58 | 4.58 | |
| Balance Sheet | |||||
| Loans | 5,836.5 | 7,504.1 | 9,805.2 | 11,161.0 | |
| Growth %, YoY | — | +28.6 | +30.7 | — | |
| Total Borrowings | 3,996.0 | 5,264.3 | 7,161.7 | 7,161.7 | |
| Debt/Equity × | 1.44 | 1.65 | 1.92 | 1.92 | |
| Leverage (Assets/Equity) × | 2.54 | 2.69 | 2.98 | 2.98 | |
Prices at the 30 October 2026 close · figures from the company's filings with NSE
SBFC Finance (NSE: SBFC) had a market capitalisation of ₹9,351 crore at the 30 October 2026 close (₹84.37 a share), a PE ratio of 18.3 on the last four quarters' profit and a price-to-book ratio of 2.31. In FY26 its standalone net profit was ₹451 crore on revenue of ₹1,679 crore; in Q2 FY27 (July–September 2026) it was ₹139 crore, up 27.2% year on year. Promoters held 52.23% of the shares on 30 September 2026.
SBFC Finance's PE ratio is 18.3 at the 30 October 2026 close (₹84.37 a share): a market capitalisation of ₹9,351 crore divided by standalone net profit of ₹510 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹451 crore) it is 20.7.
SBFC Finance's debt-to-equity ratio was 2.31 on 30 September 2026: borrowings, debt securities, deposits and subordinated debt of ₹9,338 crore against total equity of ₹4,049 crore. A year earlier, on 30 September 2025, it was 1.80.
SBFC Finance's net worth — shareholders' equity in its standalone balance sheet — was ₹4,049 crore on 30 September 2026, up 17.9% from ₹3,434 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹9,351 crore at the 30 October 2026 close.
SBFC Finance's price-to-book (PB) ratio is 2.31 at the 30 October 2026 close: a market capitalisation of ₹9,351 crore divided by shareholders' equity (book value) of ₹4,049 crore on 30 September 2026. That is a book value of ₹36.53 per share against a share price of ₹84.37.
SBFC Finance's book value per share was ₹36.53 on 30 September 2026: shareholders' equity of ₹4,049 crore divided by the 110.83 crore shares in issue, up 16.2% from ₹31.44 a year earlier. The share price at the 30 October 2026 close was ₹84.37.
SBFC Finance's latest results are for Q2 FY27 (July–September 2026), filed on 24 October 2026: standalone net profit ₹139 crore, up 27.2% from ₹109 crore in Q2 FY26; revenue from operations ₹546 crore, up 33.0% year on year.
SBFC Finance's market capitalisation was ₹9,351 crore at the 30 October 2026 close: 110.83 crore shares at ₹84.37 each.
In FY26, SBFC Finance's return on equity (ROE) was 13.0%. ROE is net profit divided by average shareholders' equity (the start and end of the year).
SBFC Finance's basic earnings per share (EPS) were ₹4.13 in FY26, against ₹3.20 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹4.63.
Promoters held 52.23% of SBFC Finance on 30 September 2026, down 0.08 percentage points from 52.31% the previous quarter and down 0.75 percentage points from 52.98% a year earlier, according to the shareholding pattern filed with NSE.
In FY26 (April 2025–March 2026), SBFC Finance's standalone net profit was ₹451 crore, up 30.6% from ₹345 crore in FY25, on revenue from operations of ₹1,679 crore (up 28.6%).
SBFC Finance has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.
On 30 September 2026, SBFC Finance's shares were held by promoters 52.23%, foreign portfolio investors (FII/FPI) 7.66%, domestic institutions (DII) 22.24% (including mutual funds at 16.78%) and retail and other non-institutional investors 17.81%. Over the year, FII holding was up 0.65 percentage points from 7.01% and DII holding was up 4.04 percentage points from 18.20%.
On FY26 standalone figures, against Five-Star Business Finance, Aptus Value Housing Finance India and Sammaan Capital: SBFC Finance's return on equity of 13.0% is the third highest of the four (Five-Star Business Finance 16.1%, Aptus Value Housing Finance India 17.2%, Sammaan Capital −35.6%; peer average −0.8%).
In FY26, SBFC Finance earned net profit of ₹451 crore on revenue of ₹1,679 crore, against ₹1,099 crore on ₹3,218 crore for Five-Star Business Finance. At the 30 October 2026 close, SBFC Finance's market capitalisation was ₹9,351 crore against ₹11,715 crore for Five-Star Business Finance, and its PE ratio on FY26 profit 20.7 against 10.7.
From SBFC Finance's own standalone results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 30 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.
Standalone figures from the company's filings with NSE; prices are NSE closing prices.