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Discovery themes featuring this stockBearish
5
Neutral
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Bullish
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Bearish
32
Neutral
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Bullish
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Bearish
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Neutral
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Bullish
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Bearish
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Neutral
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Bullish
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Bearish
27
Neutral
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Bullish
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Bearish
27
Neutral
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Bullish
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Upcoming Result Date: Nov 14, 2026
Shalibhadra Finance Limited is an NBFC focused on retail asset financing for rural, semi-urban and under-banked geographies, offering small-ticket two-wheeler, auto-rickshaw, car and consumer durables loans through a physical branch network of 53 outlets across Gujarat, Maharashtra and Madhya Pradesh and operating since 1992.
Quarterly financials show operating scale with total revenue of Rs. 1,109 lakh and net profit of Rs. 491 lakh for June 30, 2026, while total comprehensive income was Rs. 547 lakh; margins are high with reported operating margin ~75% and net profit margin ~49%, reflecting low operating overheads relative to interest income recognition.
Funding and capitalization show active liability management: Shalibhadra issued Rs. 19.50 crore NCDs in April 2026, fully utilized as disclosed, with receivables of Rs. 24.38 crore backing the issue and an auditor-certified security cover of 1.25x; the company holds a BBB- (Stable) rating renewal which should moderate funding costs and access.
Geographic and product positioning are concentrated and deliberate: the company targets rural and semi-urban pockets with simple, small-ticket, high-yield lending products and has expanded from ~40 branches historically to 53, while selectively testing new categories such as old 3/4-wheeler financing and rural white-goods lending despite competitive pressures from larger NBFCs.
Liquidity and leverage metrics are conservative: debt-equity of 0.34, total debt to assets 0.25, current ratio above 4.3 and interest service coverage ~4.27, but Debt Service Coverage Ratio at 0.64 signals near-term principal repayment pressure; asset quality metrics show volatility with bad-debts-to-AUM at 0.20 for the quarter.
Finance
Non Banking Financial Company (NBFC)
222 Cr
Low Risk
11.2
17.1
0.3
1.3
118.00
66.00
Sales CAGR
Profit CAGR
ROE
ROCE
Shalibhadra Finance Ltd (SAHLIBHFI) is currently trading at 72.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Shalibhadra Finance Limited is an NBFC focused on retail asset financing for rural, semi-urban and under-banked geographies, offering small-ticket two-wheeler, auto-rickshaw, car and consumer durables loans through a physical branch network of 53 outlets across Gujarat, Maharashtra and Madhya Pradesh and operating since 1992. Quarterly financials show operating scale with total revenue of Rs. 1,109 lakh and net profit of Rs. 491 lakh for June 30, 2026, while total comprehensive income was Rs. 547 lakh; margins are high with reported operating margin ~75% and net profit margin ~49%, reflecting low operating overheads relative to interest income recognition. Funding and capitalization show active liability management: Shalibhadra issued Rs. 19.50 crore NCDs in April 2026, fully utilized as disclosed, with receivables of Rs. 24.38 crore backing the issue and an auditor-certified security cover of 1.25x; the company holds a BBB- (Stable) rating renewal which should moderate funding costs and access. Geographic and product positioning are concentrated and deliberate: the company targets rural and semi-urban pockets with simple, small-ticket, high-yield lending products and has expanded from ~40 branches historically to 53, while selectively testing new categories such as old 3/4-wheeler financing and rural white-goods lending despite competitive pressures from larger NBFCs. Liquidity and leverage metrics are conservative: debt-equity of 0.34, total debt to assets 0.25, current ratio above 4.3 and interest service coverage ~4.27, but Debt Service Coverage Ratio at 0.64 signals near-term principal repayment pressure; asset quality metrics show volatility with bad-debts-to-AUM at 0.20 for the quarter.
Over the past 52 weeks, Shalibhadra Finance Ltd has traded between a low of ₹66.00 and a high of ₹118.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Shalibhadra Finance Ltd has a market capitalization of approximately 222.40. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Shalibhadra Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 11.22 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 222.40 Cr, Shalibhadra Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Shalibhadra Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Shalibhadra Finance Ltd is 11.22. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
244.30 | 242 Cr | 9.93 | 0.92 | 0.10 | 8.98 | 7.79 | 3.61 | ||
72.00 | 222 Cr | 11.22 | 1.29 | 0.69 | 11.33 | 13.48 | 8.53 | ||
8.89 | 222 Cr | -119.44 | 10.07 | 0.00 | -0.99 | -0.84 | -6.57 | ||
244.90 | 220 Cr | 201.99 | 4.54 | 0.00 | 1.48 | 2.83 | 2.20 | ||
2709.00 | 209 Cr | 7.25 | 0.36 | 0.74 | 4.92 | 5.93 | 4.81 | ||
98.95 | 200 Cr | -3761.28 | 4.41 | 0.00 | 22.71 | 21.09 | 12.50 | ||
32.52 | 200 Cr | 10.93 | 1.36 | 0.00 | 12.43 | 11.11 | 6.23 | ||
| Median: 7 Co. | — | 98.95 | 220 Cr | 9.93 | 1.36 | 0.00 | 8.98 | 7.79 | 4.81 |
