FCF Margin % is calculated as Free Cash Flow divided by its Revenue. SBFC Finance's Free Cash Flow for the
three
months ended in Mar. 2026 was ₹0 Mil. SBFC Finance's Revenue for the
three
months ended in Mar. 2026 was ₹4,499 Mil. Therefore, SBFC Finance's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.
The historical rank and industry rank for SBFC Finance's FCF Margin % or its related term are showing as below:
NSE:SBFC'
s FCF Margin % Range Over the Past 10 Years
Min: -202.88 Med: -124.56 Max: -96.02
Current: -114.9
During the past 7 years, the highest FCF Margin % of SBFC Finance was -96.02%. The lowest was -202.88%. And the median was -124.56%.
NSE:SBFC's FCF Margin % is ranked worse than 83.43% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs NSE:SBFC: -114.90
SBFC Finance FCF Margin % Related Terms
SBFC Finance FCF Margin % Historical Data
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The historical data trend for SBFC Finance's FCF 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.
For the Credit Services subindustry, SBFC Finance's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBFC Finance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where SBFC Finance's FCF 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SBFC Finance and its competitors. According to the industry distribution chart, SBFC Finance ranks #443 out of 531 companies in the Credit Services industry, placing it in the top 83.4%.
Is SBFC Finance's FCF Margin % too high?
SBFC Finance's current FCF Margin % is 0.00%. Based on the distribution chart, SBFC Finance ranks #443 out of 531 companies in the Credit Services industry, which is in the bottom quartile 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 FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SBFC Finance ranks #443 out of 531 companies for FCF Margin %. This places SBFC Finance in the lower half of its industry. The industry median FCF Margin % is 0.24. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SBFC Finance and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBFC Finance's current FCF Margin % is 0.00%. 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 FCF Margin % is 0.00%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For SBFC Finance (NSE:SBFC), the current FCF Margin % is 0.00% 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:
FCF Margin %: 0.00%
GF Value™: ₹130.81 vs. price of ₹90.82 (30.6% 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.
63GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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