SBFC Finance Intrinsic Value
SBFC Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹41.76 | ₹33.41 - ₹50.11 | -59.2% | EPS: ₹3.48, Sector P/E: 12x |
| Book Value Method | asset | ₹23.52 | ₹21.17 - ₹25.87 | -77.0% | Book Value/Share: ₹29.40, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹30.71 | ₹27.64 - ₹33.78 | -70.0% | Revenue/Share: ₹13.27, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹40.94 | ₹36.85 - ₹45.03 | -60.0% | EBITDA: ₹984.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹30.71 | ₹27.64 - ₹33.78 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹30.71 | ₹27.64 - ₹33.78 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹51.18 | ₹46.06 - ₹56.30 | -50.0% | ROE: 11.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹47.98 | ₹43.18 - ₹52.78 | -53.1% | EPS: ₹3.48, BVPS: ₹29.40 |
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Valuation Comparison Chart
SBFC Intrinsic Value Analysis
What is the intrinsic value of SBFC?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of SBFC Finance (SBFC) is ₹40.94 (median value). With the current market price of ₹102.36, this represents a -60.0% variance from our estimated fair value.
The valuation range spans from ₹23.52 to ₹51.18, indicating ₹23.52 - ₹51.18.
Is SBFC undervalued or overvalued?
Based on our multi-method analysis, SBFC Finance (SBFC) appears to be trading above calculated value by approximately 60.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.09 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 2.69 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 11.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 69.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.17x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for SBFC Finance
Additional stock information and data for SBFC
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-1,415 Cr | ₹-1,415 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-1,155 Cr | ₹-1,155 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-1,245 Cr | ₹-1,245 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-822 Cr | ₹-822 Cr | Negative Cash Flow | 3/10 |