SBFC FinanceNSE:SBFC -1.28%63 Net Margin % is 27.29% as of Mar. 2026, which is 8% above its 10-year median of 25.31. 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 534 Credit Services companies, SBFC Finance ranks better than 69.29% on this metric.
Net margin is calculated as Net Income divided by its Revenue. SBFC Finance's Net Income for the
three
months ended in Mar. 2026 was ₹1,228 Mil. SBFC Finance's Revenue for the
three
months ended in Mar. 2026 was ₹4,499 Mil. Therefore, SBFC Finance's net margin for the quarter that ended in Mar. 2026 was 27.29%.
The historical rank and industry rank for SBFC Finance's Net Margin % or its related term are showing as below:
NSE:SBFC'
s Net Margin % Range Over the Past 10 Years
Min: 15.3 Med: 25.31 Max: 28.19
Current: 27.16
NSE:SBFC's Net Margin % is ranked better than 69.29% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs NSE:SBFC: 27.16
SBFC Finance (NSE:SBFC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
SBFC Finance Net Margin % Related Terms
SBFC Finance Net Margin % Historical Data
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The historical data trend for SBFC Finance's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBFC Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where SBFC Finance's Net 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 Net Margin % of 27.29% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on SBFC Finance and its competitors. This is near median its historical median of 25.31. Over the past decade, SBFC Finance's Net Margin % has ranged from 15.30 to 28.19. According to the industry distribution chart, SBFC Finance ranks #164 out of 534 companies in the Credit Services industry, placing it in the top 30.7%.
Is SBFC Finance's Net Margin % too high?
SBFC Finance's current Net Margin % of 27.29% is near median its 10-year median of 25.31. Over the past 10 years, this metric has ranged from a low of 15.30 to a high of 28.19. The Credit Services industry median Net Margin % is 14.52. SBFC Finance's value of 27.29% is 87.9% above this industry median. Based on the distribution chart, SBFC Finance ranks #164 out of 534 companies in the Credit Services industry, which is above the industry midpoint. 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SBFC Finance ranks #164 out of 534 companies for Net Margin %. This puts SBFC Finance in the upper half of its industry. The industry median Net Margin % is 14.52. SBFC Finance's value of 27.29% is 87.9% above this benchmark. Historically, SBFC Finance's own Net Margin % has ranged from 15.30 to 28.19 over the past decade. While the company's 10-year median is 25.31 vs. the industry median of 14.52, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBFC Finance's current Net Margin % of 27.29% is 87.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on SBFC Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBFC Finance's current Net Margin % is 27.29%, which is near median its own 10-year median of 25.31. 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 Net Margin % is 27.29%, which is near median its 10-year median of 25.31 and 87.9% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For SBFC Finance (NSE:SBFC), the current Net Margin % is 27.29% 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:
Net Margin %: 27.29% (near median its 10-year median of 25.31)
GF Value™: ₹130.81 vs. price of ₹90.82 (30.6% below fair value)
Industry Position: 87.9% above the Credit Services median (#164 of 534)
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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