SBFC FinanceNSE:SBFC -1.28%63 EBITDA Margin % is 45.28% as of Mar. 2026, which is 3% above its 10-year median of 43.86. GuruFocus rates NSE:SBFC with a GF Score™ of 63/100 and a GF Value™ of ₹130.81 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 414 Credit Services companies, SBFC Finance ranks better than 75.36% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. SBFC Finance's EBITDA for the
three
months ended in Mar. 2026 was ₹2,037 Mil. SBFC Finance's Revenue for the
three
months ended in Mar. 2026 was ₹4,499 Mil. Therefore, SBFC Finance's EBITDA margin for the quarter that ended in Mar. 2026 was 45.28%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
SBFC Finance EBITDA Margin % Related Terms
SBFC Finance EBITDA Margin % Historical Data
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The historical data trend for SBFC Finance's EBITDA Margin % 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: EBITDA Margin % Comparison
For the Credit Services subindustry, SBFC Finance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBFC Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where SBFC Finance's EBITDA Margin % falls into.
* 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 EBITDA Margin % of 45.28% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on SBFC Finance and its competitors. This is near median its historical median of 43.86. Over the past decade, SBFC Finance's EBITDA Margin % has ranged from 28.06 to 49.75. According to the industry distribution chart, SBFC Finance ranks #102 out of 414 companies in the Credit Services industry, placing it in the top 24.6%.
Is SBFC Finance's EBITDA Margin % too high?
SBFC Finance's current EBITDA Margin % of 45.28% is near median its 10-year median of 43.86. Over the past 10 years, this metric has ranged from a low of 28.06 to a high of 49.75. The Credit Services industry median EBITDA Margin % is 20.91. SBFC Finance's value of 45.28% is 116.5% above this industry median. Based on the distribution chart, SBFC Finance ranks #102 out of 414 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, SBFC Finance has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SBFC Finance's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SBFC Finance ranks #102 out of 414 companies for EBITDA Margin %. This places SBFC Finance in the top 25% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 20.91. SBFC Finance's value of 45.28% is 116.5% above this benchmark. Historically, SBFC Finance's own EBITDA Margin % has ranged from 28.06 to 49.75 over the past decade. While the company's 10-year median is 43.86 vs. the industry median of 20.91, SBFC Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBFC Finance's current EBITDA Margin % of 45.28% is 116.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on SBFC Finance and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBFC Finance's current EBITDA Margin % is 45.28%, which is near median its own 10-year median of 43.86. 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 ₹130.81, compared to a current price of ₹90.82 — trading 30.6% below its estimated fair value. The current EBITDA Margin % is 45.28%, which is near median its 10-year median of 43.86 and 116.5% above the Credit Services industry median of 20.91. SBFC Finance's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For SBFC Finance (NSE:SBFC), the current EBITDA Margin % is 45.28% 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 ₹90.82 is trading 30.6% below its estimated GF Value™ of ₹130.81.
GuruFocus considers SBFC Finance to be Possible Value Trap.
Key valuation signals for NSE:SBFC:
EBITDA Margin %: 45.28% (near median its 10-year median of 43.86)
GF Value™: ₹130.81 vs. price of ₹90.82 (30.6% below fair value)
Industry Position: 116.5% above the Credit Services median (#102 of 414)
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.
63GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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