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Shalibhadra Finance Limited

Shalibhadra Finance Limited

NSE: SAHLIBHFI
Credit ServicesFinancial ServicesSMALL CAPMCap ₹238.2 Cr
₹77.12₹-0.79 (-1.01%)

Market Closed • NSE

Market cap₹238.2 Cr
Enterprise value₹290.4 Cr
P/E TTM12.03
P/B1.39
EPS TTM₹6.41
D/E0.33
Dividend yield0.01%
52W high₹91.95
52W low₹66.60
Price chart(1Y)
1Y Return:-0.49% (₹0.38)
H: ₹91.95L: ₹66.6
1W+0.55%
1M-6.95%
3M-1.13%
6M-5.33%
Today at a glance

Day range

₹76.15₹79.00

52 week range

₹66.60₹91.95
Volume4.1K0.22x 20D avg
Free float50.00%-78.00% volume

Shalibhadra Finance Limited closed at INR77.12 (-1.01%) on volume 0.22x its 20-day average, trading 16.13% below its 52-week high.

Technical analysis
RSI (14)47.3Neutral (30–70)
MACDBEARISHBearish (Below signal)
ATR (14)₹4.23High
SMA 20₹77.90BEARISH
SMA 50₹77.92BEARISH
SMA 100₹77.66BEARISH
SMA 200—N/A
CPR bottom₹78.97
Pivot₹78.62
CPR top₹78.26
What changed recently?

2026-Q1

Q1 FY2026 Financial Results

PAT moved +2% QoQ

2026-09-23

DIVIDEND Announced

Dividend - Re 0.50 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL4/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹56.1 Cr₹238.2 Cr23.55%≤ 33%PASS
Non-halal income ratio–₹41.0 Cr0.00%≤ 5%PASS
Illiquid assets ratio₹231.0 Cr₹232.2 Cr99.46%≥ 20%PASS
Receivables ratio–₹232.2 Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E12.0317.10
Forward P/E——
P/B1.391.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield8.305.80
Growth & profitability
RevenuePAT
FY23PAT margin 30.60%
FY24PAT margin 37.00%
FY25PAT margin 45.60%
FY26PAT margin 47.50%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+14.40%
Revenue CAGR 5Y—
PAT CAGR 3Y+32.50%
PAT CAGR 5Y—
Operating margin70.21%
Net margin54.15%
Financial health & cash flow
Net debt₹54.8 CrModerate
Interest coverage—xEBIT / interest
CFO / PAT-0.93x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-1975.0 Lakh
Capital expenditure–
Free cash flow₹-2083.0 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall68/100
Valuation75/100
Profitability50/100
Financial health80/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Low Debt Profile: Debt-to-Equity is comfortable at 0.33x

Attractive Valuation: P/E of 12.0x trades below sector historical averages

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

70%47%23%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
2.24%Institutional holding
39.99%Public holding
5Periods available
0.00%Promoter pledged
4.21KShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
23 Sept 2026Dividend₹0.50 / share—23 Sept 2026
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)60.02%-10.84% latest vs average
Highest delivery87.89%on 29 Sept
Average volume (20D)18.9KTrading-session average
Conviction trendWeakening-10.84% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹10.90L15.461.88%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹9.73L17.520.89%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.85L10.281.85%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹5.97L29.480.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹4.99L8.302.64%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.39L21.620.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹3.92L14.160.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.78L27.540.08%₹42,036.90—+39.05%—
About Shalibhadra Finance Limited
Shalibhadra Finance Limited

Incorporated in 1992, Shalibhadra Finance Ltd is in the business of financing[1]

IndiaFinancial Services

Questions investors ask
Is Shalibhadra Finance Limited Shariah compliant?

Shalibhadra Finance Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (23.55%) complies with AAOIFI threshold (≤ 33%).

What is Shalibhadra Finance Limited's current valuation relative to peers?

Shalibhadra Finance Limited trades at a P/E of 12.0x compared to the sector median of 17.1x, and a Price-to-Book of 1.4x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 0.33x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at steady rates while net profit growth averaged consistent levels.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-09. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.