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Prices as of 9 Oct 2026 close · Not investment advice

Shalibhadra Finance Limited

NSE: SAHLIBHFINon Banking Financial Company (NBFC)

Share price

₹77.12

-1.01% close of 9 Oct 2026

Market cap ₹239 CrP/E 12.1

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 5 Oct 2026, the close above is 9 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

79

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹239 Cr

P/E ratio

12.1

P/B ratio

1.4

ROCE

14.7%

ROE

11.6%

Dividend yield

0.6%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 9 Oct 2026 close52-week high ₹122.4552-week low ₹70.00

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 15.0% over the past year, and 14.9% a year over its longer record. Meanwhile what it keeps on lending improved from 50.6% to 61.3% over the last two years.

Whether it grew faster than its sector

It grew 14.9% a year against a sector median of 16.0% — 1.1 percentage points slower.

Room to re-rate, or risk of de-rating

At 12.2× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 18.7×, across 5 companies. It is against its own five-year median of 24.4×, the 4th percentile of its own range.

Whether growth justifies the valuation

Priced at 0.4 times its growth rate, on earnings growth of 32%.

Profit growthPrice per ₹1 profitPer 1% growth
Shalibhadra Finance Limited — this one32%/yr12.2×₹0.38
Capri Global Capital Limited67%/yr20.6×₹0.31
Five-Star Business Finance Limited22%/yr13.7×₹0.62
SBFC Finance Limited44%/yr18.7×₹0.43
Paisalo Digital Limited35%/yr29.3×₹0.84
Bengal & Assam Company Limited-5%/yr8.4×—

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Non Banking Financial Company (NBFC)), it ranks 24 of 73 on returns, 42 of 68 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 11.6% on capital, ahead of 67% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Announced 12 Sep 2026 · Standalone · Unaudited

Revenue

₹11 Cr

Net profit

₹5 Cr

Profit vs last year

+7.4%

Profit vs last quarter

-4.3%

Net margin

44.3%

EPS

₹1.59

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹239 Cr
Prev close
₹77.12
52w High
₹130
52w Low
₹66.6
Enterprise value
—
Beta
0.5
Price CAGR 1y
-28.0%
Price CAGR 3y
-4.0%
Price CAGR 5y
22.0%
Price CAGR 10y
17.0%

Ratios

Return on assets
8.2%
PEG ratio
0.4
P/E ratio
12.1
P/B ratio
1.4
EV / EBITDA
—
Industry P/E
16.7
ROCE
14.7%
ROCE 5y average
—
ROE
11.6%
Debt / Equity
0.3
Interest coverage
—
Dividend yield
0.6%
ROE 3y average
13.0%
ROE last year
12.0%

Annual P&L

Annual revenue
₹41 Cr
Annual profit
₹19 Cr
Operating margin
63.0%
Net profit margin
46.3%
EBITDA margin
63.4%
Sales growth 3y
13.6%
Sales growth 5y
14.3%
Profit growth 3y
32.0%
Profit growth 5y
41.0%
EPS
₹6.3
Sales growth TTM
15.0%
Profit growth TTM
16.0%
Dividend payout
8.0%

Quarter P&L

Sales latest quarter
₹11 Cr
Profit latest quarter
₹5 Cr
YoY quarterly sales growth
15.7%
YoY quarterly profit growth
7.4%
OPM latest quarter
57.7%

Balance Sheet

Book Value
₹55.5
Face Value
₹10.0
Total debt
₹56 Cr
Total cash
₹6 Cr
Borrowings
₹56 Cr
Reserves / Equity
4.5

Cash Flow

Operating cash flow
-₹20 Cr
Free cash flow
-₹21 Cr
FCF yield
—
Net cash flow
₹2 Cr

Shareholding

Promoter holding
58.1%
FII holding
0.0%
DII holding
1.3%
Public holding
40.6%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Bajaj Finance948.3028.85,90,4070.576,080.627.423,165.518.610.9
Shriram Finance945.0019.62,22,3631.143,452.859.913,400.416.211.5
Tata Capital319.3024.91,35,5390.181,628.256.38,821.915.18.6
Cholaman.Inv.&Fn1,580.0023.51,34,9900.131,656.245.68,856.321.99.7
Muthoot Finance2,697.109.51,08,2801.112,824.838.88,671.634.415.8
L&T Finance Ltd264.3520.766,2551.04916.028.75,212.922.48.4
SBI Cards563.2023.653,5970.44664.419.55,040.63.410.1
Shalibhadra Fin.78.7412.32430.644.97.411.015.714.7
Median134.8019.64680.0011.138.349.128.39.5

Competes with: Bajaj Finance, Cholamandalam Investment & Finance, HDB Financial Services Limited, L&T Finance Limited, Muthoot Finance, SBI Cards & Payment Services, Shriram Finance Limited, Tata Capital Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Standalone · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue7.347.718.189.528.968.239.859.459.479.49111111
Expenses2.342.252.353.162.742.102.822.852.532.373.112.222.68
Financing Profit3.354.034.314.464.544.605.935.625.956.136.537.066.32
Financing Margin %46525347515660596365596458
Other Income0.030000000000.040.010.13
Interest1.651.431.521.901.681.531.100.980.990.991.481.691.96
Depreciation0.020.020.020.020.020.020.020.030.030.030.040.030.04
Profit before tax3.364.014.294.444.524.585.915.595.926.106.537.046.41
Tax %26252625252520212322232723
Net Profit2.493.013.163.313.403.454.714.434.574.755.035.134.91
EPS in Rs0.991.081.131.181.211.211.521.431.481.541.631.661.59

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Standalone · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue12131619222421222833364143
Expenses34555787910101010
Financing Profit657898581116212626
Financing Margin %47424241413423374149576361
Other Income0000000000000
Interest34578997775.2856
Depreciation0000000000.070.0900
Profit before tax656898581116212626
Tax %353734282828302626262224
Net Profit43466646812161920
EPS in Rs1.901.732.152.843.202.901.763.013.344.285.186.316.42
Dividend Payout %1314121190777728

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
12%
5 years
14%
3 years
14%
TTM
15%

Compounded profit growth

10 years
19%
5 years
41%
3 years
32%
TTM
16%

Stock price CAGR

10 years
17%
5 years
22%
3 years
-4%
1 year
-28%

Return on equity

10 years
13%
5 years
12%
3 years
13%
Last year
12%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital55555555677.7231
Reserves14162026323740537290147141
Borrowing252943607176625755583756
Other Liabilities644675433344
Total Liabilities50557396115123112117136158195232
Fixed Assets112222223334
CWIP000000000000
Investments001112000093
Other Assets49537093112119110115134156183225
Total Assets50557396115123112117136158195232

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-4-3-12-15-12072-53-27-20
Cash from Investing Activity-0-0-2-0-1-22-1-2-2-105
Cash from Financing Activity531417124-1411192417
Net Cash Flow0-012-13-42410-132
Free Cash Flow-5-4-12-15-12072-52-28-21

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %22171820191581212141312

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Standalone · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters556060606055555656575858
FIIs00001.161.010.822.712.472.432.240
DIIs000000000001.26
Public454040403944444241414041
No. of Shareholders1,7971,7751,8431,8332,0702,0672,0174,7304,5874,3654,2124,329

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -32.5% (₹114.25 → ₹77.12)Brick size ₹4.23 (fixed)Bricks 22
₹100₹120₹77.12Nov '25Feb '26Aug '26
Price moved up one brickPrice moved down one brickLast close ₹77.12 on 9 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

78.28

cost-to-income %

24.89

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

2.94

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

net NPA %

1.17

net interest margin %

18.15

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

77.39

return on assets %

8.65

News

News and filings about Shalibhadra Finance Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Interest Rates

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Non Banking Financial Company (NBFC)
Classification
Financial Services › Non Banking Financial Company (NBFC)
ISIN
INE861D01011

News impact

Big market events that reach Shalibhadra Finance Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

23 Sep 2026unspecified₹0.5

Bulk & block deals

DateWhoBought / soldSharesPrice
2 Sep 2026PIYUSH SECURITIES PRIVATE LIMITEDSELL6,42,640₹86.46
2 Sep 2026PH CAPITAL LIMITEDBUY2,50,000₹87.02
2 Sep 2026PIYUSH SECURITIES PRIVATE LIMITEDBUY1,49,364₹80.39
1 Sep 2026ARYAVARDHAN TRADING LLPSELL5,00,000₹75.05
1 Sep 2026PIYUSH SECURITIES PRIVATE LIMITEDBUY4,93,276₹75.22
1 Sep 2026PIYUSH SECURITIES PRIVATE LIMITEDSELL1,276₹80.00

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.