SBFC Finance (NSE:SBFC) EV-to-FCF: (As of Jul. 16, 2026)

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NSE:SBFC SBFC Finance Ltd NSE:SBFC
64 GF Score
Price ₹93.17
GF Value ₹129.67
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is SBFC Finance EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, SBFC Finance's Enterprise Value is ₹167,357 Mil. SBFC Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0 Mil. Therefore, SBFC Finance's EV-to-FCF for today is .

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

NSE:SBFC' s EV-to-FCF Range Over the Past 10 Years
Min: -25.7   Med: -25.16   Max: -8.7
Current: -8.7

During the past 7 years, the highest EV-to-FCF of SBFC Finance was -8.70. The lowest was -25.70. And the median was -25.16.

NSE:SBFC's EV-to-FCF is ranked worse than
100% of 264 companies
in the Credit Services industry
Industry Median: 13.675 vs NSE:SBFC: -8.70

EV-to-FCF 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 (2026-07-16), SBFC Finance's stock price is ₹93.17. SBFC Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹4.070. Therefore, SBFC Finance's PE Ratio (TTM) for today is 22.89.


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

EV-to-FCF 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)
=93.17/4.070
=22.89

SBFC Finance's share price for today is ₹93.17.
SBFC Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹4.070.

* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


SBFC Finance EV-to-FCF Related Terms


SBFC Finance EV-to-FCF Historical Data

* Premium members only.

The historical data trend for SBFC Finance's EV-to-FCF 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-FCF Chart

SBFC Finance Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial 0.00 0.00 -10.34 -9.91 -8.06

SBFC Finance Quarterly Data
Mar20 Mar21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF 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 -9.91 0.00 0.00 0.00 -8.06

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

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

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

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


NSE:SBFC
64GF Score
SBFC Finance Ltd NSE:SBFC
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SBFC Finance EV-to-FCF Calculation

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

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=167356.784/0
=

SBFC Finance's current Enterprise Value is ₹167,357 Mil.
SBFC Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 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 ₹93.17 is trading 28.1% below its estimated GF Value™ of ₹129.67. GuruFocus considers SBFC Finance to be Modestly Undervalued.

Key valuation signals for NSE:SBFC:

  • EV-to-FCF:
  • GF Value™: ₹129.67 vs. price of ₹93.17 (28.1% below fair value)
  • GF Score™: 64/100 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.
64GF Score

Get the complete analysis for NSE:SBFC

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

₹93.17
Price
₹129.67
GF Value