SBFC Finance's Days Sales Outstanding for the
three
months ended in Mar. 2026 was 0.08.
SBFC Finance's Days Inventory for the
three
months ended in Mar. 2026 was 0.
SBFC Finance's Days Payable for the
three
months ended in Mar. 2026 was 4.66.
Therefore, SBFC Finance's Cash Conversion Cycle (CCC) for the
three
months ended in Mar. 2026 was -4.58.
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
SBFC Finance Cash Conversion Cycle Related Terms
SBFC Finance Cash Conversion Cycle Historical Data
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The historical data trend for SBFC Finance's Cash Conversion Cycle can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:SBFC vs V, MA, AXP: Cash Conversion Cycle Comparison
For the Credit Services subindustry, SBFC Finance's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SBFC Finance Cash Conversion Cycle vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBFC Finance's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where SBFC Finance's Cash Conversion Cycle falls into.
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
SBFC Finance's Cash Conversion Cycle for the fiscal year that ended in Mar. 2026 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SBFC Finance (NSE:SBFC) has a Cash Conversion Cycle of -4.58 as of Mar. 2026. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on SBFC Finance and its competitors.
Is SBFC Finance's Cash Conversion Cycle too high?
SBFC Finance's current Cash Conversion Cycle is -4.58. Overall, SBFC Finance has a GF Score™ of 69/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SBFC Finance's Cash Conversion Cycle compare to V and MA?
SBFC Finance's Cash Conversion Cycle of -4.58 can be compared against companies in the Credit Services industry. The industry median Cash Conversion Cycle is 1.48. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Credit Services company?
The median Cash Conversion Cycle among Credit Services companies is 1.48, based on 374 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on SBFC Finance and its competitors. For the Credit Services industry, the median Cash Conversion Cycle is 1.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBFC Finance's current Cash Conversion Cycle is -4.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBFC Finance stock overvalued right now?
Based on GuruFocus' analysis, SBFC Finance (NSE:SBFC) is currently considered Possible Value Trap. The stock's GF Value™ is ₹130.32, compared to a current price of ₹91.25 — trading 30% below its estimated fair value. The current Cash Conversion Cycle is -4.58. SBFC Finance's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For SBFC Finance (NSE:SBFC), the current Cash Conversion Cycle is -4.58 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SBFC Finance (NSE:SBFC) Overvalued in 2026?
Based on GuruFocus' analysis, SBFC Finance stock appears to be undervalued.
The current stock price of ₹91.25 is trading 30% below its estimated GF Value™ of ₹130.32.
GuruFocus considers SBFC Finance to be Possible Value Trap.
Key valuation signals for NSE:SBFC:
Cash Conversion Cycle: -4.58
GF Value™: ₹130.32 vs. price of ₹91.25 (30% below fair value)
No single metric tells the full story. See the NSE:SBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBFC Finance Ltd is a systemically important, non-deposit-taking non-banking finance company offering Secured MSME Loans and Loans against Gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. It has developed a PhyGital model which uses technology and authentic in-person service to create loans that support the ambitions of its customers. The company engages directly with small business owners and works through loan applications together, in person, at the customer's pace. The company generates the majority of its revenue from Interest Income.
69GF Score
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