SBFC Finance Intrinsic Value
SBFC Finance (SBFC) median intrinsic value is ₹41.76 from 8 valuation models (range ₹24–₹48), vs current price ₹92.18 — -54.7% downside (Trading Above Calculated Value), margin of safety -100.0%. Analyse SBFC institutional holdings to track promoter, FII and institutional holdings.
SBFC Valuation Methods Summary — DCF, Graham Number & P/E
SBFC Finance intrinsic value across 8 models vs current price ₹92.18 — upside/downside and value range per method. For current market price and key ratios, visit SBFC share price.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹41.76 | ₹33.41 - ₹50.11 | -54.7% | EPS: ₹3.48, Sector P/E: 12x |
| Book Value Method | asset | ₹23.52 | ₹21.17 - ₹25.87 | -74.5% | Book Value/Share: ₹29.40, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹27.65 | ₹24.88 - ₹30.41 | -70.0% | Revenue/Share: ₹13.27, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹45.35 | ₹40.82 - ₹49.89 | -50.8% | EBITDA: ₹984.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹27.65 | ₹24.88 - ₹30.41 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹28.68 | ₹25.81 - ₹31.55 | -68.9% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹46.09 | ₹41.48 - ₹50.70 | -50.0% | ROE: 11.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹47.98 | ₹43.18 - ₹52.78 | -47.9% | EPS: ₹3.48, BVPS: ₹29.40 |
SBFC Intrinsic Value vs Market Price — All Valuation Models
SBFC Finance fair value range ₹24–₹48 vs current market price ₹92.18 across 8 valuation models. Read SBFC dividend track record for the complete payout history and dividend yield track record.
SBFC Intrinsic Value Analysis — Undervalued or Overvalued?
SBFC Finance median intrinsic value ₹41.76, current price ₹92.18 — Trading Above Calculated Value by 54.7%, margin of safety -100.0%.
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 ₹41.76 (median value). With the current market price of ₹92.18, this represents a -54.7% variance from our estimated fair value.
The valuation range spans from ₹23.52 to ₹47.98, indicating ₹23.52 - ₹47.98.
Is SBFC undervalued or overvalued?
Based on our multi-method analysis, SBFC Finance (SBFC) appears to be trading above calculated value by approximately 54.7%.
SBFC Financial Health — Key Ratios vs Industry Benchmarks
SBFC Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| 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 |
SBFC Cash Flow Quality — Operating & Free Cash Flow
SBFC Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |