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SBFC Finance
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SBFC Finance Ltd was originally incorporated on January 25, 2008 as a Private Limited Company with the name, MAPE Finserve Private Limited', issued by the Registrar of Companies, Maharashtra at Mumbai. The Board approved the change in the name of Company from MAPE Finserve Private Limited' to Small Business Fincredit India Private Limited' dated July 3, 2017, which got approved by Shareholders through their resolution dated August 24, 2017. Thereafter, Board of the Company approved the change in the name of Company from Small Business Fincredit India Private Limited' to SBFC Finance Private Limited' dated October 24, 2019. Subsequently, Company converted into a Public Company and consequently, the name was changed from SBFC Finance Private Limited' to SBFC Finance Limited' of the Company on September 23, 2022, and a fresh Certificate of Incorporation dated September 30, 2022 was issued by the RoC.
SBFC provides financing opportunities to business owners who are underserved by traditional banks. The Company is a systematically important, non-deposit taking non-banking finance company (NBFC-ND-SI) offering Secured MSME Loans and Loans against Gold, with a majority of their borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working class individuals. Among MSME-focused NBFCs in India, the Company has one of the highest assets under management (AUM) growth, at a CAGR of 40% in the period from Fiscal 2019 to Fiscal 2022.
Loan servicing is the process by which a lender collects interest, principal, and escrow payments from a borrower. Their loans are designed for the diverse needs of entrepreneurs and MSMEs in India. In addition to providing loans direct to customers, SBFC offers specialist change (LMS) to third party financial institutions. SBFC's LMS clients benefit from their experienced customer care team managing statements of accounts (SOA), repayment schedules, interest certificates and other vital administrative processes on their behalf.
Apart from these, the Company handles the porting of repayment modes (NACH/ECS) and can transfer equated monthly instalments (EMIs) between accounts. For delinquent loans, it provide complete support to clients including phone calls, SMS outreach and field visits. Moreover, SBFCs loan Management Service initiates and executes all legal cases relating to delinquent and non-performing asset (NPA) accounts. As of June 30, 2022, the Company had an expansive footprint in 104 cities, spanning 16 Indian states and two union territories, with 135 branches.
The Company is planning to come out with a Public Issue aggregating to Rs. 1600 crores through Fresh Issue amounting to Rs. 750 crores and Offer for Sale amounting to Rs. 850 crores.
SBFC Finance share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.
Market capitalization of SBFC Finance indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how SBFC Finance is valued compared to its competitors.
SBFC Finance PE ratio helps investors understand what is the market value of each stock compared to SBFC Finance 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.
The PEG ratio of SBFC Finance evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.
Return on Equity (ROE) measures how effectively SBFC Finance generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.
Return on Capital Employed (ROCE) evaluates the profitability of SBFC Finance in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.
Total debt of SBFC Finance shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.
The Debt-to-Equity (DE) ratio of SBFC Finance compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.
CAGR shows the consistent growth rate of SBFC Finance over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.
Technical analysis of SBFC Finance helps investors get an insight into when they can enter or exit the stock. Key components of SBFC Finance Technical Analysis include:
There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.
There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where SBFC Finance shares often struggle to rise above due to selling pressure.
Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect SBFC Finance ’s financial health and profitability.
Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.
Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.
The financials of SBFC Finance provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.
The profit and loss statement of SBFC Finance highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of SBFC Finance .
The balance sheet presents a snapshot of SBFC Finance ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.
Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.
SBFC Finance Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.
Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.
Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.
Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.
Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.
CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.
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