SBFC Finance (NSE:SBFC) Moat Score: 0/10 (As of Jul. 09, 2026)


NSE:SBFC SBFC Finance Ltd NSE:SBFC
64 GF Score
Price ₹90.79
GF Value ₹130.11
Valuation Possible Value Trap
! 3 Warning Signs
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What is SBFC Finance Moat Score?

SBFC Finance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

SBFC Finance has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes SBFC Finance might have No Moat - No discernible moat.

SBFC Finance  (NSE:SBFC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

SBFC Finance Moat Score Related Terms

NSE:SBFC
64GF Score
SBFC Finance Ltd NSE:SBFC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is SBFC Finance (NSE:SBFC) Overvalued in 2026?

Based on GuruFocus' analysis, SBFC Finance stock appears to be undervalued. The current stock price of ₹90.79 is trading 30.2% below its estimated GF Value™ of ₹130.11. GuruFocus considers SBFC Finance to be Possible Value Trap.

Key valuation signals for NSE:SBFC:

  • Moat Score: 0
  • GF Value™: ₹130.11 vs. price of ₹90.79 (30.2% 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

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

₹90.79
Price
₹130.11
GF Value