SBFC Finance Limited (SBFC) - Net Assets
Based on the latest financial reports, SBFC Finance Limited (SBFC) has net assets worth Rs34.34 Billion INR (≈ $371.40 Million USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs98.22 Billion ≈ $1.06 Billion USD) and total liabilities (Rs63.88 Billion ≈ $690.81 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check SBFC asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs34.34 Billion |
| % of Total Assets | 34.96% |
| Annual Growth Rate | 144.11% |
| 5-Year Change | 164.71% |
| 10-Year Change | N/A |
| Growth Volatility | 11039.88 |
SBFC Finance Limited - Net Assets Trend (2017–2025)
This chart illustrates how SBFC Finance Limited's net assets have evolved over time, based on quarterly financial data. Also explore SBFC Finance Limited balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for SBFC Finance Limited (2017–2025)
The table below shows the annual net assets of SBFC Finance Limited from 2017 to 2025. For live valuation and market cap data, see SBFC Finance Limited market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs31.90 Billion ≈ $344.99 Million |
+14.83% |
| 2024-03-31 | Rs27.78 Billion ≈ $300.44 Million |
+60.84% |
| 2023-03-31 | Rs17.27 Billion ≈ $186.80 Million |
+34.19% |
| 2022-03-31 | Rs12.87 Billion ≈ $139.20 Million |
+6.81% |
| 2021-03-31 | Rs12.05 Billion ≈ $130.33 Million |
-71.35% |
| 2020-03-31 | Rs42.07 Billion ≈ $454.94 Million |
+377.91% |
| 2019-03-31 | Rs8.80 Billion ≈ $95.19 Million |
+3.75% |
| 2018-03-31 | Rs8.48 Billion ≈ $91.76 Million |
+33440.28% |
| 2017-03-31 | Rs25.30 Million ≈ $273.57K |
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Equity Component Analysis
This analysis shows how different components contribute to SBFC Finance Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 157709.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs7.57 Billion | 23.73% |
| Common Stock | Rs10.85 Billion | 34.02% |
| Other Comprehensive Income | Rs2.28 Billion | 7.14% |
| Other Components | Rs11.20 Billion | 35.12% |
| Total Equity | Rs31.90 Billion | 100.00% |
SBFC Finance Limited Competitors by Market Cap
The table below lists competitors of SBFC Finance Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Oric Pharmaceuticals Inc
NASDAQ:ORIC
|
$1.09 Billion |
|
Trican Well Service Ltd.
TO:TCW
|
$1.09 Billion |
|
Blue Sail Medical Co Ltd
SHE:002382
|
$1.10 Billion |
|
Netcare
JSE:NTC
|
$1.10 Billion |
|
T1 Energy Inc.
NYSE:TE
|
$1.09 Billion |
|
Sanjiang Shopping Club Co Ltd
SHG:601116
|
$1.09 Billion |
|
Xiamen Guang Pu Electronics Co Ltd
SHE:300632
|
$1.09 Billion |
|
US Physicalrapy Inc
NYSE:USPH
|
$1.09 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in SBFC Finance Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 27,780,660,000 to 31,900,730,000, a change of 4,120,070,000 (14.8%).
- Net income of 3,452,990,000 contributed positively to equity growth.
- Share repurchases of 441,770,000 reduced equity.
- Other comprehensive income increased equity by 808,120,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs3.45 Billion | +10.82% |
| Share Repurchases | Rs441.77 Million | -1.38% |
| Other Comprehensive Income | Rs808.12 Million | +2.53% |
| Other Changes | Rs300.73 Million | +0.94% |
| Total Change | Rs- | 14.83% |
Book Value vs Market Value Analysis
This analysis compares SBFC Finance Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.17x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 7.48x to 3.17x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-03-31 | Rs12.34 | Rs92.31 | x |
| 2018-03-31 | Rs20.00 | Rs92.31 | x |
| 2019-03-31 | Rs12.98 | Rs92.31 | x |
| 2020-03-31 | Rs13.81 | Rs92.31 | x |
| 2021-03-31 | Rs11.32 | Rs92.31 | x |
| 2022-03-31 | Rs12.09 | Rs92.31 | x |
| 2023-03-31 | Rs16.23 | Rs92.31 | x |
| 2024-03-31 | Rs26.90 | Rs92.31 | x |
| 2025-03-31 | Rs29.10 | Rs92.31 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently SBFC Finance Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.82%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 27.91%
- • Asset Turnover: 0.14x
- • Equity Multiplier: 2.69x
- Recent ROE (10.82%) is above the historical average (5.37%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 1.55% | 3.99% | 0.10x | 3.82x | Rs-2.14 Million |
| 2018 | 0.37% | 6.15% | 0.04x | 1.63x | Rs-817.10 Million |
| 2019 | 2.78% | 19.37% | 0.07x | 2.04x | Rs-635.88 Million |
| 2020 | 3.51% | 15.30% | 0.06x | 4.16x | Rs-657.53 Million |
| 2021 | 7.05% | 28.19% | 0.07x | 3.51x | Rs-355.01 Million |
| 2022 | 5.01% | 15.75% | 0.09x | 3.51x | Rs-641.96 Million |
| 2023 | 8.67% | 23.52% | 0.11x | 3.33x | Rs-229.91 Million |
| 2024 | 8.53% | 25.31% | 0.13x | 2.54x | Rs-407.03 Million |
| 2025 | 10.82% | 27.91% | 0.14x | 2.69x | Rs262.92 Million |
Industry Comparison
This section compares SBFC Finance Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $37,628,750,405
- Average return on equity (ROE) among peers: 10.76%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| SBFC Finance Limited (SBFC) | Rs34.34 Billion | 1.55% | 1.86x | $1.09 Billion |
| Akme Fintrade India Ltd (AFIL) | $1.30 Billion | 0.00% | 2.50x | $41.31 Million |
| Arman Financial Services Limited (ARMANFIN) | $3.66 Billion | 25.65% | 4.57x | $169.77 Million |
| Baid Finserv Limited (BAIDFIN) | $108.03 Million | 5.96% | 2.17x | $19.08 Million |
| Bajaj Finance Limited (BAJFINANCE) | $96.00 Billion | 19.13% | 5.64x | $62.99 Billion |
| Capri Global Capital Limited (CGCL) | $38.37 Billion | 7.28% | 2.95x | $1.94 Billion |
| Cholamandalam Investment and Finance Company Limited (CHOLAFIN) | $22.87 Billion | 16.10% | 8.42x | $14.26 Billion |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $162.58 Billion | 7.94% | 7.06x | $3.16 Billion |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $51.07 Billion | 16.18% | 3.28x | $2.25 Billion |
| CSL Finance Limited (CSLFINANCE) | $773.42 Million | 9.31% | 0.08x | $55.14 Million |
| DCM Financial Services Limited (DCMFINSERV) | $-439.02 Million | 0.00% | 0.00x | $1.13 Million |
About SBFC Finance Limited
SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. It offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services to small business owners, self-employed individuals, salaried and working-class individuals, entrepreneurs, and othe… Read more