SAHLIBHFI

Shalibhadra Finance Limited

Retail NBFC for vehicle finance and loan against property

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

shalibhadrafinance.com

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Key metrics

Price as of 2026-10-19

Stock price

₹75.56

Market cap

233 Cr

Stock P/E

12.0 · FY26

P/B

1.36

Dividend yield

0.5%

ROE (FY23)

10.7%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

Shalibhadra Finance is a Mumbai-based non-banking finance company (NBFC) that lends mainly to rural and semi-urban borrowers, with small-ticket loans secured on new and used two-, three- and four-wheelers, and is adding property, tractor and salaried personal loans.

Company snapshot

51stBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Positives

✓Net margin of 30.4% — the business keeps a healthy share of every rupee it earns.

Concerns

✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
Net Interest Income	6 Cr	8 Cr	8 Cr	9 Cr	9 Cr
Other income	0.09 Cr	0 Cr	0 Cr	0.01 Cr	0.13 Cr
Net operating income	6 Cr	8 Cr	8 Cr	9 Cr	9 Cr
Employee cost	0.79 Cr	0.88 Cr	1 Cr	1 Cr	1 Cr
Other expenses	2 Cr	2 Cr	2 Cr	1 Cr	1 Cr
Provisions & contingencies	—	—	—	—	—
Depreciation	0.01 Cr	0.02 Cr	0.03 Cr	0.03 Cr	0.04 Cr
Profit before tax	3 Cr	4 Cr	6 Cr	7 Cr	6 Cr
Tax %	26.3%	25.5%	20.7%	27.1%	23.3%
Net profit	2 Cr	3 Cr	4 Cr	5 Cr	5 Cr
EPS (₹)	₹3.76	₹4.73	₹5.75	₹1.66	₹1.60

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

Metric	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Net Interest Income	—	—	—	—	—	—	20 Cr	26 Cr	30 Cr	35 Cr	Sign in free for the trailing twelve months
Other income	0.05 Cr	0.09 Cr	0.04 Cr	0.19 Cr	0.56 Cr	0.26 Cr	0.12 Cr	0 Cr	0 Cr	0.05 Cr	Sign in free for the trailing twelve months
Net operating income	0.05 Cr	0.09 Cr	0.04 Cr	0.19 Cr	0.56 Cr	0.26 Cr	20 Cr	26 Cr	30 Cr	35 Cr	Sign in free for the trailing twelve months
Employee cost	1 Cr	2 Cr	2 Cr	2 Cr	3 Cr	3 Cr	3 Cr	4 Cr	4 Cr	5 Cr	Sign in free for the trailing twelve months
Other expenses	2 Cr	2 Cr	2 Cr	3 Cr	3 Cr	2 Cr	6 Cr	6 Cr	6 Cr	5 Cr	Sign in free for the trailing twelve months
Provisions & contingencies	—	—	—	—	—	—	—	—	—	—	Sign in free for the trailing twelve months
Depreciation	0.05 Cr	0.06 Cr	0.08 Cr	0.06 Cr	0.05 Cr	0.05 Cr	0.06 Cr	0.07 Cr	0.09 Cr	0.13 Cr	Sign in free for the trailing twelve months
Profit before tax	6 Cr	8 Cr	9 Cr	8 Cr	5 Cr	8 Cr	11 Cr	16 Cr	21 Cr	26 Cr	Sign in free for the trailing twelve months
Tax %	33.7%	28.5%	28.4%	27.8%	29.6%	26.1%	25.8%	25.7%	22.4%	23.9%	Sign in free for the trailing twelve months
Net profit	4 Cr	6 Cr	6 Cr	6 Cr	4 Cr	6 Cr	8 Cr	12 Cr	16 Cr	19 Cr	Sign in free for the trailing twelve months
EPS (₹)	₹8.60	₹11.33	₹12.79	₹10.16	₹7.03	₹11.54	₹15.33	₹17.88	₹17.29	₹6.31	Sign in free for the trailing twelve months
Dividend payout %	—	—	—	—	—	—	0.0%	0.0%	0.0%	6.4%	Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

Metric	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	5 Cr	5 Cr	5 Cr	5 Cr	5 Cr	12 Cr	9 Cr	7 Cr	8 Cr	31 Cr
Reserves	20 Cr	26 Cr	32 Cr	37 Cr	40 Cr	46 Cr	70 Cr	90 Cr	147 Cr	141 Cr
Borrowings	43 Cr	59 Cr	—	—	—	—	55 Cr	58 Cr	37 Cr	56 Cr
Other liabilities	5 Cr	5 Cr	78 Cr	84 Cr	67 Cr	62 Cr	3 Cr	3 Cr	4 Cr	4 Cr
Total liabilities	73 Cr	95 Cr	115 Cr	125 Cr	112 Cr	119 Cr	137 Cr	158 Cr	195 Cr	232 Cr
Fixed assets (net)	2 Cr	2 Cr	2 Cr	2 Cr	2 Cr	2 Cr	3 Cr	3 Cr	3 Cr	4 Cr
CWIP	—	—	—	—	—	—	0 Cr	0 Cr	0 Cr	—
Investments	1 Cr	1 Cr	—	—	—	—	0 Cr	0 Cr	9 Cr	3 Cr
Loans & advances	—	—	—	—	—	—	124 Cr	134 Cr	176 Cr	215 Cr
Inventories	46 Cr	59 Cr	—	—	—	—	0 Cr	0 Cr	0 Cr	0 Cr
Trade receivables	—	0.0005 Cr	0.0059 Cr	0.07 Cr	0.09 Cr	0.20 Cr	0.17 Cr	0.22 Cr	0.31 Cr	0.51 Cr
Cash & bank	1 Cr	3 Cr	0.19 Cr	0.08 Cr	0.0021 Cr	0.08 Cr	0.08 Cr	0.01 Cr	0.27 Cr	1 Cr
Other assets	23 Cr	29 Cr	113 Cr	123 Cr	109 Cr	117 Cr	9 Cr	21 Cr	7 Cr	8 Cr
Total assets	73 Cr	95 Cr	115 Cr	125 Cr	112 Cr	119 Cr	137 Cr	158 Cr	195 Cr	232 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

Metric	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	-12 Cr	-15 Cr	-12 Cr	-0.64 Cr	7 Cr	2 Cr	-5 Cr	3 Cr	-27 Cr	-20 Cr
Cash from investing	-2 Cr	-0.11 Cr	-0.65 Cr	-1 Cr	2 Cr	-0.63 Cr	-2 Cr	-2 Cr	-10 Cr	5 Cr
Cash from financing	14 Cr	17 Cr	12 Cr	4 Cr	-14 Cr	0.63 Cr	11 Cr	9 Cr	24 Cr	17 Cr
Net cash flow	0.61 Cr	2 Cr	-0.54 Cr	3 Cr	-4 Cr	2 Cr	4 Cr	10 Cr	-13 Cr	2 Cr
Free cash flow (OCF − Capex)	-12 Cr	-15 Cr	-12 Cr	-0.81 Cr	7 Cr	2 Cr	-5 Cr	3 Cr	-27 Cr	-20 Cr

Ratios

Metric	Mar 2023
ROE %	10.7%
Debt / equity	0.70