SBFC Finance (NSE:SBFC) EV-to-OCF: (As of Sep. 15, 2026)

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Director of Data and Quant Analytics at GuruFocus
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NSE:SBFC SBFC Finance Ltd NSE:SBFC
82 GF Score
Price ₹98.19
GF Value ₹135.39
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is SBFC Finance EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, SBFC Finance's Enterprise Value is ₹173,025 Mil. SBFC Finance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was ₹0 Mil. Therefore, SBFC Finance's EV-to-OCF for today is .

The historical rank and industry rank for SBFC Finance's EV-to-OCF or its related term are showing as below:

NSE:SBFC' s EV-to-OCF Range Over the Past 10 Years
Min: -25.87   Med: -25.33   Max: -9.14
Current: -9.14

During the past 7 years, the highest EV-to-OCF of SBFC Finance was -9.14. The lowest was -25.87. And the median was -25.33.

NSE:SBFC's EV-to-OCF is ranked better than
69.4% of 549 companies
in the Credit Services industry
Industry Median: -0.4 vs NSE:SBFC: -9.14

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-09-15), SBFC Finance's stock price is ₹98.19. SBFC Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was ₹4.330. Therefore, SBFC Finance's PE Ratio (TTM) for today is 22.68.


SBFC Finance  (NSE:SBFC) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

SBFC Finance's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=98.19/4.330
=22.68

SBFC Finance's share price for today is ₹98.19.
SBFC Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹4.330.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


SBFC Finance EV-to-OCF Related Terms


SBFC Finance EV-to-OCF Historical Data

* Premium members only.

The historical data trend for SBFC Finance's EV-to-OCF 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.

SBFC Finance EV-to-OCF Chart

SBFC Finance Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-OCF
Get a 7-Day Free Trial 0.00 0.00 -10.45 -9.99 -8.13

SBFC Finance Quarterly Data
Mar20 Mar21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-OCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 -8.13 0.00

NSE:SBFC vs V, MA, AXP: EV-to-OCF Comparison

For the Credit Services subindustry, SBFC Finance's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, SBFC Finance's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where SBFC Finance's EV-to-OCF falls into.


NSE:SBFC
82GF Score
SBFC Finance Ltd NSE:SBFC
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SBFC Finance EV-to-OCF Calculation

SBFC Finance's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=173024.978/0
=

SBFC Finance's current Enterprise Value is ₹173,025 Mil.
SBFC Finance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0 Mil.

* 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.

Is SBFC Finance (NSE:SBFC) Overvalued in 2026?

Based on GuruFocus' analysis, SBFC Finance stock appears to be undervalued. The current stock price of ₹98.19 is trading 27.5% below its estimated GF Value™ of ₹135.39. GuruFocus considers SBFC Finance to be Modestly Undervalued.

Key valuation signals for NSE:SBFC:

  • EV-to-OCF:
  • GF Value™: ₹135.39 vs. price of ₹98.19 (27.5% below fair value)
  • GF Score™: 82/100 with 3 warning signs

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 Business Description

Other Exchanges 543959:India
Address Andheri Kurla Road, Unit No. 103, 1st Floor, C&B Square, CTS No. 95A, Sangam Complex, Village Chakala, Andheri East, Mumbai, MH, IND, 400 059
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.
82GF Score

Get the complete analysis for NSE:SBFC

EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹98.19
Price
₹135.39
GF Value