Sbfc Finance Limited

SBFC NSE Financial Services Non Banking Financial Company (NBFC)
Nifty 500 Smallcap 250
₹98.19
-0.29%
Delayed · cached 15 min

Fair value analysis

SBFC
Sbfc Finance Limited
Financial Services›Non Banking Financial Company (NBFC)
₹98.48
Close used for this calculation
₹64.47Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
45/100
Profitability25/25
Returns7/25
Balance Sheet3/25
Efficiency10/25
Growth12/25
Average
Quality radar
45Prof.25/25Ret.7/25Eff.10/25B.Sht3/25Growth12/25

Consensus fair value

₹64.47
Above FV
▼ -34.5% against the close used
Model range ₹40.43 – ₹143.21
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹40.43Fair value₹64.47Bull₹143.21
FairClose
52-week traded range
52W low ₹80.9552W high ₹118.50

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading above the consensus fair value

Sbfc Finance Limited closed at ₹98.48, 52.8% above the consensus fair value of ₹64.47 drawn from 8 valuation models.

Financial DNA score 45/100 — Average. P/E of 31.5x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹63.12
-35.9%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹45.46
-53.8%
√(22.5 × EPS × BVPS)
EPS=3.18, BVPS=28.88 · outside Graham range (P/E 31.5, P/B 3.4) — asset-light, treat as a rough floor
Graham Formula
₹143.21
+45.4%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=20%, FD=7%
P/E Fair Value
₹53.58
-45.6%
EPS × 16.85x (sector P/E)
EPS=3.18, Sector P/E=16.85x
Peter Lynch (PEG)
₹79.50
-19.3%
EPS × Growth% (PEG = 1 is fair)
EPS=3.18, g=25%
Book Value (P/B)
₹40.43
-58.9%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=28.88, ROE=11.6%, g=6%, r=10%
Reverse DCF
₹98.48
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 13% | Historical: 25%
Margin of Safety
₹57.26
-41.9%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=76.34, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.