Annual report
Reg. 34 (1) Annual Report. 7 Sep
Source: Bse
Shalibhadra Finance Limited (SAHLIBHFI)
Small CapFinancial Services stocks · Small cap · NSE
Shalibhadra Finance Limited operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
₹75.56
-1.44 · -1.87%
Market cap ₹237 Cr
Data qualityFresh enough for analysisQuote updated 19 Oct, 03:31 pm ISTDetails
Quote19 Oct, 03:31 pm IST
Base fundamentals06 Oct 2026 · screener
Latest result12 Aug, 08:49 pm IST
Score20 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage12/14 · 86%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
41NeutralSMA20 -3.1% / mo · MACD −
Stock trend: 39
Sector RS: 44
Sector 3M: -5.8% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
SAHLIBHFID candles · FIT view-9.1%Latest close ₹75.56 on 2026-10-19
Daily history is available from 2026-04-10; the requested 1Y window is partially covered.
Bar
-1.9%
RSI
44
MACD hist
-0.10
52W pos
35%
2026-10-19O ₹77.00H ₹80.50L ₹74.50C ₹75.56Vol 13,561 sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
SAHLIBHFINifty Financial ServicesNifty 500
- SAHLIBHFI
- -4.5%
- Nifty 500
- -5.6%
- Nifty Financial Services
- -6.0%
- Vs Nifty 500
- +1.1 pp
Chart stats
19 Oct 2026- From 52W high
- -17.8%
- 52W range position
- 35%
- ATR (14)
- 5.8%
- Volume vs 20D
- 0.83x
- Avg traded value
- ₹0.1 Cr
- 20D price channel
- ₹74.5 - ₹81.9
₹92
₹66.6 - ₹92
₹4.4
Latest completed session
20-session average
31.8% annualized volatility
Research snapshot
What the evidence says now
Mixed fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend argues for patience, and recent execution is consistent.
Suggested next step
Research, do not rush
The evidence is not strongly aligned. Compare peers and wait for a cleaner setup.
U-Score
Legacy · FAIR VALUE51
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Average40
Revenue +15.7% · PAT +7.4% YoY
Technical
Neutral41
Price trend and sector-relative-strength timing.
Valuation
Legacy model+53.8%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence71
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Average · 40/100Rev +16% YoY · PAT +7% YoY
Filed 12 Aug 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹11 Cr | +15.7% | -0.1% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹4.9 Cr | +7.4% | -4.3% |
| PAT margin | 44.8% | -346 bps | -196 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 12.00
- P/B
- 1.38
- EV/EBITDA
- —
- Market Cap
- 237.00Cr
Profitability
- ROE
- 11.90%
- ROCE
- 14.70%
- ROA
- 8.62%
- Dividend Y
- 0.65%
Growth (CAGR)
- Revenue 5Y
- 14.00%
- EPS 5Y
- 41.00%
- Revenue 3Y
- 14.00%
- EPS 3Y
- 32.00%
Balance Sheet
- Debt/Equity
- 0.33
- Interest Coverage
- —
- Altman Z
- 3.54
- Book Value
- 55.70
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 3/5
- OCF
- -20.00 Cr
- EPS TTM
- 6.42
Shareholding
- Promoter Hold
- 58.10%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 17%
Financial History
Updated 19/10/2026
Revenue
₹ CrLatest: 11.0-0.1% vs prev
Net Profit
₹ CrLatest: 4.9-4.3% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Bearish setupTrend is weak — long-term trend unclear. RSI 44.
- SMA20 falling (~3.3% over last month) — short-term momentum negative.
- RSI(14) at 44 — falling, no extreme reading.
- MACD below signal, histogram expanding negatively — bearish momentum building.
- 18% off 52W high · 13% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
53
RS percentile
Insufficient history
1M return
-1.3%
3M return
-4.5%
6M return
-8.0%
1Y return
-
RS 1D
-1
RS 20D
-
Sector rank
#10
Industry rank
#47
Stage evidence
- At least 170 daily sessions are required for the trend-stage read.
50-DMA
price below
200-DMA
unavailable
Sector
weakening
Industry
weakening
Partial-history RS: the 3M and 6M weights are re-normalised because 12M history is unavailable.
Relative-strength line vs Nifty 500 (base 100)
132 observations
19 Oct 2026Value 90.87-0.86%
RS vs Nifty 50091
Valuation & peers
U-Score 51 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Valuation & peers
U-Score 51 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Growth at Value
Fundamental score breakdown
U band · FAIR VALUEValuation21/30
Growth19/25
Quality3/20
Balance Sheet7/15
Cash Flow2/10
Piotroski
4/9 (+1)
Penalties
-2
Raw sum
51
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
51/100 · legacy band FAIR VALUE
Positive drivers
- Fair-value margin of safety is positive at 53.8%.
- Growth contributes 19/25 to the score.
- Valuation contributes 21/30 to the score.
Main drags
- Penalty bucket subtracts 2 points.
- Quality is weaker at 3/20; verify the latest quarterly trend.
- Cash flow is weaker at 2/10; verify the latest quarterly trend.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
12.0
PB
1.4
EV/EBITDA
—
ROE
11.9%
ROCE
14.7%
FCF Yield
—
Debt/Equity
0.3
MoS
+53.8%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 20 Oct 2026
v4.3-runtime-valuation
Final score
51
Previous: 51
Legacy U-Score band
FAIR VALUE
Previous: FAIR VALUE
Margin of safety
+53.8%
Previous: +53.8%
Score history
12 stored score snapshots. Latest stored move: +1 points.
20 Oct 2026
v4.3-runtime-valuation
50
51
51
51
50
51
50
50
50
50
50
51
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹89.7
+15.8% MoS
Growth-justified P/E
25.5
Growth-justified Value
₹163.71
+53.8% MoS
PEG
0.32
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
STARTECK
Small
Starteck Finance Limited
NBFC / Capital Markets / Insurance
match 157
20
10.6
9.5%
-153%
OVERVALUED
RSDFIN
Small
RSD Finance Limited
NBFC / Capital Markets / Insurance
match 155
50
9.9
6.0%
+72%
FAIR VALUE
SONAL
Small
Sonal Mercantile Limited
NBFC / Capital Markets / Insurance
match 155
43
6.5
6.9%
+80%
WATCHLIST
NAHARCAP
Small
Nahar Capital and Financial Services Limited
NBFC / Capital Markets / Insurance
match 153
53
3.3
4.0%
+58%
FAIR VALUE
MAHAPEXLTD
Small
Maha Rashtra Apex Corporation Limited
NBFC / Capital Markets / Insurance
match 153
16
52.1
0.4%
-3024%
OVERVALUED
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Shalibhadra Finance Limited operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
71Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 66th percentile of the scored universe and 78th percentile within Financial Services. Main check: cash conversion is weak at 40/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
28 docs text-extracted · 1 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
66th percentile
overall median 67 · Financial Services: 78th pctile, median 62 · Small: 69th pctile, median 66
Evidence depth
Financial-only
28 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Acceptable, but check the weakest sub-score before increasing exposure.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
90
strong · holding, pledge, alignment
Cash flow
40
weak · profit to cash conversion
Balance sheet
81
strong · leverage and solvency
Discipline
68
acceptable · capital discipline
Results
87
strong · quarterly consistency
Trust positives
- ▸Promoter holding is 58.1%.
- ▸Promoter pledge is zero.
- ▸Promoter holding increased 1.9%.
- ▸4/4 latest quarters had positive YoY revenue growth.
Trust risks
- ▸Operating cash flow is negative at ₹-20 Cr.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Shalibhadra Finance Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Announcement
Announcement under Regulation 30 (LODR)-Press Release / Media Release 29 May - Shalibhadra Finance reported FY26 PAT of ₹19.48 crore, AUM ₹219.66 crore, and plans branch expansion.
Source: Bse
Annual report
Annual Report 2026
Source: Bse
Annual report
Annual Report 2025
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.