SBFC Finance Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Consistent revenue growth observed over the last four quarters, indicating strong demand for financial services.
Improved net profit margin in the latest quarter, showcasing better cost management and operational efficiency.
Strong asset quality maintained, with a low NPA ratio compared to industry peers, enhancing investor confidence.

NEGATIVES

Decline in loan growth rate in the latest quarter, suggesting potential market saturation or increased competition.
Higher provisioning for bad debts in the latest quarter, indicating rising credit risk concerns.
Decrease in return on equity compared to previous quarters, signaling potential inefficiencies or lower profitability.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25
Revenue	229.59	246.31	263.84	278.90	297.76	314.23	333.50	360.67
Expenses	75.42	83.48	90.43	90.41	93.87	99.89	105.05	113.15
Operating Profit	154.16	162.83	173.42	188.49	203.89	214.33	228.46	247.52
Other Income	0.34	0.20	0.09	0.65	0.01	0.28	0.07	0.22
Interest	88.61	89.16	84.58	88.30	94.76	100.38	106.11	117.99
Depreciation	3.12	3.25	3.42	3.63	3.75	3.85	4.65	4.56
Profit Before Tax	62.78	70.62	85.52	97.21	105.38	110.39	117.77	125.19
Tax	15.82	18.02	21.66	23.54	26.47	26.23	29.49	31.25
Net Profit	46.96	52.60	63.86	73.67	78.91	84.16	88.28	93.94
Eps in Rs	0.52	0.52	0.60	0.69	0.74	0.78	0.82	0.87