Case study

SBFC

SBFC Finance

Tread carefully1y model +0.1%

Each stock's 10,000-path forecast, rendered as light.

0Score

SBFC Finance (SBFC) Stock Analysis & Case Study

Is SBFC a good buy? The data-driven verdict.

SBFC Finance (SBFC) trades at ₹93,on the numbers it tread carefully, a Downstox Snapshot Score of 31/100.

On the numbers, SBFC Finance (SBFC) tread carefully, a Downstox Snapshot Score of 31/100, weighing premium at 29.8× earnings, ROE of 11.6%, a 50% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 20272031.

Last updated . Data snapshot for research, not investment advice.

SBFC fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield

Market cap
₹10,311 Cr
Current price
₹93
P/E ratio
29.8×
P/B ratio
3.17×
Book value
₹29
ROCE
11.6%
ROE
11.6%
Piotroski F-Score
3/9

Is SBFC overvalued? SBFC P/E vs its sector

SBFC's P/E of 29.8× sits above the sector peer median of 15.9×, so on earnings it screens richer than peers.

SBFC P/E
29.8×
Peer median P/E
15.9×
Peer median yield
1.66%

SBFC share price target 2027, 2028, 2029, 2030, 2031, a probability view

Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 2.0y of SBFC history (6%/yr drift, 35%/yr volatility).

YearLow (P10)Median target (P50)High (P90)Upside vs today
SBFC 2027₹61₹95₹150+0%
SBFC 2028₹50₹95₹178-1%
SBFC 2029₹44₹94₹203-1%
SBFC 2030₹38₹94₹225-1%
SBFC 2031₹34₹94₹248-2%

Median (P50) is the central estimate; the P10–P90 band is the 80% confidence range. Probabilities, not promises.

What is the probability SBFC goes up, or doubles?

50%
Higher in 1 year
Modelled chance the price is above today in 12 months
49%
Higher in 5 years
Modelled chance the price is above today in 5 years
17%
Doubles in 5 years
Modelled chance of reaching ₹191 within 5 years

The bull case for SBFC

  • SBFC Finance is part of the nifty200 universe with live, tracked fundamentals on Downstox.
  • Upside scenario: the model's optimistic (P90) 3-year path reaches ₹203.

The bear case & risks

  • At 29.8× earnings the stock carries a premium to the market, strong growth is already in the price, so any miss tends to be punished.
  • Return on equity is a soft 11.6%, capital efficiency trails higher-quality peers.
  • A low Piotroski F-Score of 3/9 flags weaker financial health this cycle, worth understanding why before committing.
  • Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹44.

SBFC volatility & expected range, how bumpy is the ride?

Over the last 2.0 years SBFC compounded at 6%/year with annualized volatility of 35%. That volatility implies a 1-year 80% range of ₹61₹150, the honest backbone behind any single price target.

SBFC price forecast, the full 60-month probability fan

Spot Price · Today
₹0
Based on 2.0 years of daily NSE data ·0.0% annualised volatility
5-yr median forecast
₹0
P(price ↑ in 5y)
0%
1-Year Forecast
2027
₹0
Median (P50)
0.1%
80% range₹61–₹150
P(price ↑)50%
P(price 2×)2%
3-Year Forecast
2029
₹0
Median (P50)
1.0%
80% range₹44–₹203
P(price ↑)49%
P(price 2×)12%
5-Year Forecast
2031
₹0
Median (P50)
1.5%
80% range₹34–₹248
P(price ↑)49%
P(price 2×)17%

SBFC price probability fan

Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.

Probability Fan
SBFC simulated paths · 60 months · 10,000 trials
P10–P90 (80%)P25–P75 (50%)Median (P50)

Probability of key outcomes

What are the odds SBFC hits common targets within the simulated horizon?

0%
P(↑ 1Y)
Above today's price in 1 year
0%
P(↑ 5Y)
Above today's price in 5 years
0%
P(2×)
Doubles within 5 years
0%
P(↓)
Falls below today in 5 years

Full multi-horizon detail on the SBFC price target & forecast page.

SBFC Piotroski F-Score: 3/9, how financially strong is it?

3/9

The Piotroski F-Score grades financial strength on nine profitability, leverage and efficiency checks. SBFC scores 3/9,weak on the financial-strength checks.

SBFC MTF margin & leverage, Upstox, Zerodha, Groww, Dhan

Margin Trading Facility lets you buy SBFC with part of the capital. Lower margin % = higher leverage. Rates compared across brokers (no competitor publishes this):

BrokerMargin requiredApprox. leverage
UpstoxCHEAPEST30.8%3.3×
ZerodhaCHEAPEST30.8%3.3×
DhanCHEAPEST30.8%3.3×

Compare every broker on the SBFC MTF page.

Which ace investors hold SBFC?

Held by 1 tracked superstar investor (from public NSE/BSE disclosures):

SBFC vs peers,sector comparison

StockP/EDiv yieldMarket cap
SBFC (this stock)29.8×₹10,311 Cr
RELIANCE23.1×0.45%₹17.95L Cr
TCS14.7×3.01%₹7.69L Cr
HDFCBANK15.9×1.65%₹12.11L Cr
INFY14.4×4.51%₹4.32L Cr
ICICIBANK17.9×0.81%₹9.70L Cr
SBIN11.5×1.67%₹9.61L Cr

About SBFC Finance: sector, index & market-cap context

SBFC Finance (SBFC) is a small-cap NSE-listed company, and a constituent of the Nifty 200 index group, with a market capitalisation of ₹10,311 Cr. See more Nifty 200 stocks.

How the SBFC Snapshot Score & forecast are built

The Downstox Snapshot Score is a transparent, rules-based read of SBFC Finance's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.

This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.

SBFC analysis, FAQs

Is SBFC Finance (SBFC) a good buy?

On the numbers, SBFC Finance (SBFC) tread carefully, a Downstox Snapshot Score of 31/100, weighing premium at 29.8× earnings, ROE of 11.6%, a 50% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.

Is SBFC overvalued or undervalued?

SBFC trades at 29.8× earnings versus a peer median of 15.9×, so it screens richer than its sector peers.

What is the SBFC share price target for 2031?

SBFC's probability-weighted 2031 median target is ₹94, with an 80% range of ₹34₹248 (10,000-path Monte-Carlo).

What is the probability SBFC doubles in 5 years?

The modelled probability of SBFC reaching ₹191 (2×) within 5 years is 17%.

What is the bull case for SBFC?

SBFC Finance is part of the nifty200 universe with live, tracked fundamentals on Downstox.

What are the risks in SBFC?

At 29.8× earnings the stock carries a premium to the market, strong growth is already in the price, so any miss tends to be punished. Return on equity is a soft 11.6%, capital efficiency trails higher-quality peers. A low Piotroski F-Score of 3/9 flags weaker financial health this cycle, worth understanding why before committing.

More on SBFC