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Shalibhadra Finance Ltd (SAHLIBHFI)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511754 NSE: SAHLIBHFI Finance - NBFC | Small Cap | Shalibhadra Finance Share Price

₹76 -1.61 (-2.07%)

As on 10-Jun'26 16:59

Shalibhadra Finance Ltd (SAHLIBHFI)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511754 NSE: SAHLIBHFI Finance - NBFC | Small Cap | Shalibhadra Finance Share Price

₹76 -1.61 (-2.07%)

As on 10-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹240 Cr.
Current Price
₹76
52-Week Low / High
₹68 / 142
TTM EPS
₹6.3
Book Value per Share
₹55.7
P/E Ratio
12.31
Lower than its 5-year historical median
Industry PE
25.7
Price to Book (P/B)
1.39
Lower than its 5-year historical median
EV/EBITDA
9.38
Lower than its 5-year historical median
Dividend Yield
0.07%
Profitability Efficiency
Return on Equity (ROE)
12.75%
Return on Capital Employed (ROCE)
15.04%
Return on Assets (ROA)
9.05%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
13.64%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
44.42%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹40.6 Cr.
Reserves
₹166 Cr.
Equity
₹30.9 Cr.
Face Value
₹10
All Time Low / High
₹0.16 / 211.20

Shalibhadra Finance stock performance

Key Ratios
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Check Before You Invest

Quality

Somewhat Good

Valuation

Fair

Price Trend

Weak
Q.1 Is Shalibhadra Finance Ltd a good quality company?
Shalibhadra Finance Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does Shalibhadra Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Shalibhadra Finance Ltd vs Industry Peers?
Shalibhadra Finance Ltd AUM CAGR is 9.65%, compared to the 5-year industry median CAGR of 9.68%, indicating stable growth and maintaining its market share.
Q.1 Promoter shareholding and pledge status of Shalibhadra Finance Ltd?
Promoters hold 57.78% of the Shalibhadra Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Shalibhadra Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 19.9% based on the current price.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Shalibhadra Finance Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)12.915.619.322.223.720.622.127.432.334.641
YoY Gr. Rt. %-20.8%23.8%14.9%6.7%-12.9%7%24.3%18%7.1%-
Adj EPS (₹ ) 1.72.22.83.22.91.833.34.35.26.3
YoY Gr. Rt. %-24.3%31.6%13.1%-9.4%-39.3%71%11%28.1%21%-
BVPS (₹ )10.712.615.418.320.922.625.530.234.649.955.7
YoY Gr. Rt. %-17.3%22.5%18.9%13.9%8.4%12.8%18.5%14.4%44.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)6.56.66.66.14.935.36.68.19.10

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income11.6%7.9%16.2%7.1%
Adj EPS13%12.3%19.8%21%
BVPS18.7%19.1%25.1%44.4%
Share Price 19.9% 38.7% 29.9% -43.2%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)26.827.629.428.924.517.127.330.63746.348
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)17.318.520.31914.88.112.513.213.912.89.9

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 13161922242122283336
Interest Income13161922242122273235
Other Income 1111232333
Exceptional Items 0000010002
Expenditure + 891113161614161716
Interest Expense 4578997775
Operating Expenses 3444555678
Provisions 1111232333
Exceptional Items 0000000000
Profit Before Tax 5689858111621
Taxes 2223212345
Profit After Tax 346664681216
Adjusted EPS (₹)1.72.22.83.22.91.83.03.34.35.2
Dividend Payout Ratio (%)14.50%11.60%10.60%9.40%0%7.10%6.60%7.50%7%1.90%

Valuation of Shalibhadra Finance - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +212531374245517697154
Share Capital 5555555678
Reserves 162026323740467090147
Short term borrowings000021515102118
Long Term Borrowings30446173555842453820
Current Liabilities 454526917132422
Trade Payables0000000000
Other Liabilities-0-0-0-0-21-5-8-8-21-18
Total Liabilities 567596115123112117136158195

Assets

Non Current Asset +202834112117111114129141191
Loan Asset 000108111106111124134176
Other Non Current Asset 20283447435716
Current Asset +36476335137174
Current Investment0000000000
Other Current Asset36476335137174
Total Assets 567596115123112117136158195

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -3-12-15-12072-53-27
Cash Flow From Investing Activity -0-2-0-1-22-1-2-2-10
Cash Flow From Financing Activity 31417124-14111924
Net Cash Flow -012-13-42410-13

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)6.908.6011.3012.8011.6071213.4017.1020.70
DPS (₹)111.201.2000.500.8011.200.40
BVPS (₹)42.950.361.673.383.490.4102120.9138.3199.8

Performance Ratios

ROA (%)6.56.66.66.14.93.05.36.68.19.1
ROE (%)17.318.520.319.014.88.112.513.213.912.8
ROCE (%)19.518.718.617.215.412.013.715.115.815.0

Valuation Parameters

Price/Book(x)1.11.52.11.20.60.61.81.13.72.7

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Shalibhadra Finance Ltd FAQs

The current trading price of Shalibhadra Finance on 10-Jun-2026 16:59 is ₹76.00.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 09-Jun-2026 the market cap of Shalibhadra Finance stood at ₹239.7 Cr

The latest P/E ratio of Shalibhadra Finance as of 09-Jun-2026 is 12.31.

The latest P/B ratio of Shalibhadra Finance as of 09-Jun-2026 is 1.39.

The 52-week high of Shalibhadra Finance is ₹141.8 and the 52-week low is ₹68.40.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Shalibhadra Finance is ₹40.58 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that Shalibhadra Finance Ltd is a average quality company.

The key valuation ratios of Shalibhadra Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Shalibhadra Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Shalibhadra Finance Ltd

Shalibhadra Finance was incorporated as a public limited company on January 16, 1992. Its registered office is at New Marine Lines, Mumbai.

SFL has 12 branches with a good dealer network and experienced staff.

Business area of the company:-

The company is engaged in capital market operations, financial advising services and syndication of funds. The company has focus in the field of vehicle finance, specially two wheeler segments. SFL is also engaged in financing of old vehicles.

Recently,the company has performed reasonably well on the vehicle finance front due to decent growth in two and three wheeler industry.

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