SBFC Finance Limited - Asset Resilience Ratio

Latest as of September 2025: 3.35%

SBFC Finance Limited (SBFC) has an Asset Resilience Ratio of 3.35% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See SBFC Finance Limited working capital to net assets to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

Rs3.29 Billion

≈ $35.55 Million USD Cash + Short-term Investments

Total Assets

Rs98.22 Billion

≈ $1.06 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2020–2025)

This chart shows how SBFC Finance Limited's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see SBFC Finance Limited total assets.

Liquid Assets Composition Over Time

This chart breaks down SBFC Finance Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Read total liabilities of SBFC Finance Limited for a breakdown of total debt and financial obligations.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs3.29 Billion	3.35%
Short-term Investments	Rs0.00	0%
Total Liquid Assets	Rs3.29 Billion	3.35%

Asset Resilience Insights

Limited Liquidity: SBFC Finance Limited maintains only 3.35% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company primarily holds liquidity in cash and equivalents rather than short-term investments.

SBFC Finance Limited Industry Peers by Asset Resilience Ratio

Compare SBFC Finance Limited's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Affirm Holdings Inc NASDAQ:AFRM	Credit Services	3.76%
Credit Acceptance Corporation NASDAQ:CACC	Credit Services	1.35%
SLM Corp NASDAQ:SLM	Credit Services	0.20%
Upstart Holdings Inc NASDAQ:UPST	Credit Services	1.39%
Five-Star Business Finance Limited NSE:FIVESTAR	Credit Services	4.49%
Beijing Cuiwei Tower Co Ltd SHG:603123	Credit Services	1.79%
Tourism Finance Corporation of India Limited NSE:TFCILTD	Credit Services	0.68%
Solvar Ltd AU:SVR	Credit Services	10.29%

Annual Asset Resilience Ratio for SBFC Finance Limited (2020–2025)

The table below shows the annual Asset Resilience Ratio data for SBFC Finance Limited.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-03-31	7.27%	Rs6.25 Billion ≈ $67.55 Million	Rs85.96 Billion ≈ $929.60 Million	-1.29pp
2024-03-31	8.56%	Rs6.04 Billion ≈ $65.36 Million	Rs70.63 Billion ≈ $763.81 Million	+4.39pp
2023-03-31	4.17%	Rs2.39 Billion ≈ $25.89 Million	Rs57.46 Billion ≈ $621.46 Million	-12.88pp
2022-03-31	17.05%	Rs7.70 Billion ≈ $83.25 Million	Rs45.15 Billion ≈ $488.28 Million	-3.97pp
2021-03-31	21.02%	Rs8.89 Billion ≈ $96.19 Million	Rs42.31 Billion ≈ $457.59 Million	+13.60pp
2020-03-31	7.42%	Rs3.12 Billion ≈ $33.78 Million	Rs42.08 Billion ≈ $455.08 Million	--

pp = percentage points

About SBFC Finance Limited

NSE:SBFC India Credit Services

Market Cap

$1.17 Billion

Rs107.95 Billion INR

Market Cap Rank

#8323 Global

#409 in India

Share Price

Rs98.48

Change (1 day)

-1.60%

52-Week Range

Rs80.95 - Rs118.50

All Time High

Rs119.02