{"id":196574,"date":"2026-08-11T13:00:03","date_gmt":"2026-08-11T07:30:03","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=196574"},"modified":"2026-08-11T13:00:05","modified_gmt":"2026-08-11T07:30:05","slug":"sbfc-finance-vs-mas-financial-services-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/","title":{"rendered":"SBFC Finance vs MAS Financial Services: Share Price, Comparison and Key Differences"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>SBFC Finance MCap Rs 10,433 Cr, PE 21.71x, ROE 12.10%, D\/E 1.92. MAS Financial Services MCap Rs 5,494 Cr, PE 13.76x, ROE 12.48%, D\/E 3.47.<\/em><\/p>\n<p>SBFC Finance vs MAS Financial Services is a comparison NBFC investors look up when evaluating two mid-size Indian non-banking financial companies focused on small business and MSME lending. SBFC Finance (SME, Micro and Retail Business Finance) is a Bengaluru-based NBFC that listed in 2023, focused on secured MSME loans, small ticket home loans and gold loans for micro-entrepreneurs. MAS Financial Services, based in Ahmedabad, is a 25-year-old NBFC providing MSME loans, microfinance and commercial vehicle loans primarily in Gujarat, Rajasthan and Maharashtra.<\/p>\n<p>This SBFC Finance vs MAS Financial Services article covers reach and market position, key products, latest declared results and stock valuation. The SBFC Finance vs MAS Financial Services data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#SBFC_Finance_vs_MAS_Financial_Services_Reach_and_Market_Position\" title=\"SBFC Finance vs MAS Financial Services: Reach and Market Position\">SBFC Finance vs MAS Financial Services: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#SBFC_Finance_vs_MAS_Financial_Services_Key_Products_and_Business_Mix\" title=\"SBFC Finance vs MAS Financial Services: Key Products and Business Mix\">SBFC Finance vs MAS Financial Services: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#SBFC_Finance_vs_MAS_Financial_Services_Latest_Results\" title=\"SBFC Finance vs MAS Financial Services: Latest Results\">SBFC Finance vs MAS Financial Services: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#SBFC_Finance_vs_MAS_Financial_Services_Stock_and_Valuation\" title=\"SBFC Finance vs MAS Financial Services: Stock and Valuation\">SBFC Finance vs MAS Financial Services: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#SBFC_Finance_vs_MAS_Financial_Services_Quick_Comparison_Table\" title=\"SBFC Finance vs MAS Financial Services: Quick Comparison Table\">SBFC Finance vs MAS Financial Services: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#What_does_SBFC_Finance_do\" title=\"What does SBFC Finance do?\">What does SBFC Finance do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#What_does_MAS_Financial_Services_do\" title=\"What does MAS Financial Services do?\">What does MAS Financial Services do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#Are_MSME_NBFCs_risky\" title=\"Are MSME NBFCs risky?\">Are MSME NBFCs risky?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#What_is_DE_in_NBFC_context\" title=\"What is D\/E in NBFC context?\">What is D\/E in NBFC context?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#Does_MAS_Financial_pay_dividends\" title=\"Does MAS Financial pay dividends?\">Does MAS Financial pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#Are_SBFC_and_MAS_Financial_in_Nifty_50\" title=\"Are SBFC and MAS Financial in Nifty 50?\">Are SBFC and MAS Financial in Nifty 50?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/sbfc-finance-vs-mas-financial-services-comparison\/#Which_is_larger_SBFC_or_MAS_Financial\" title=\"Which is larger, SBFC or MAS Financial?\">Which is larger, SBFC or MAS Financial?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"SBFC_Finance_vs_MAS_Financial_Services_Reach_and_Market_Position\"><\/span><strong>SBFC Finance vs MAS Financial Services: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the SBFC Finance side of the SBFC Finance vs MAS Financial Services comparison, SBFC Finance operates through a branch network across India targeting micro and small business owners with collateral-backed credit. Market capitalisation is Rs 10,433 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=sbfc-vs-masfinance\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the MAS Financial Services side of the SBFC Finance vs MAS Financial Services comparison, MAS Financial Services operates across western and north-western India with MSME, microfinance and commercial vehicle loan products. Market capitalisation is Rs 5,494 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"SBFC_Finance_vs_MAS_Financial_Services_Key_Products_and_Business_Mix\"><\/span><strong>SBFC Finance vs MAS Financial Services: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the SBFC Finance vs MAS Financial Services product comparison, SBFC Finance offers: SBFC Finance earns from secured MSME loans, LAP (Loan Against Property), gold loans and micro home loans. EPS is Rs 4.34. PE is 21.71x, ROE 12.10 percent, D\/E 1.92.<\/p>\n<p>For MAS Financial Services in this SBFC Finance vs MAS Financial Services breakdown: MAS Financial Services earns from MSME loans, micro-enterprise loans, commercial vehicle finance and micro home loans. EPS is Rs 22.01. PE is 13.76x, ROE 12.48 percent, D\/E 3.47.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"SBFC_Finance_vs_MAS_Financial_Services_Latest_Results\"><\/span><strong>SBFC Finance vs MAS Financial Services: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The SBFC Finance vs MAS Financial Services results for SBFC Finance: SBFC Finance has a market cap of Rs 10,433 Cr and PE of 21.71x. ROE is 12.10 percent. SBFC Finance listed in August 2023 and is about 1.9x the size of MAS Financial.<\/p>\n<p>The SBFC Finance vs MAS Financial Services results for MAS Financial Services: MAS Financial Services has a market cap of Rs 5,494 Cr and PE of 13.76x. ROE is 12.48 percent. MAS Financial is cheaper on PE with a marginally higher ROE, reflecting a more mature and established NBFC platform.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare SBFC Finance and MAS Financial Services Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"SBFC_Finance_vs_MAS_Financial_Services_Stock_and_Valuation\"><\/span><strong>SBFC Finance vs MAS Financial Services: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The SBFC Finance vs MAS Financial Services stock comparison uses the latest available market data from Groww. Investors tracking SBFC Finance vs MAS Financial Services should verify current prices on NSE or BSE before trading.<\/p>\n<p>SBFC Finance vs MAS Financial Services at current valuations: SBFC Finance trades at Rs 10,433 Cr market cap, PE 21.71x, ROE 12.10 percent. MAS Financial trades at Rs 5,494 Cr market cap, PE 13.76x, ROE 12.48 percent. MAS Financial is cheaper on PE with similar ROE. SBFC Finance commands a higher valuation for its newer, growth-stage positioning.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"SBFC_Finance_vs_MAS_Financial_Services_Quick_Comparison_Table\"><\/span><strong>SBFC Finance vs MAS Financial Services: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The SBFC Finance vs MAS Financial Services comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/sbfc-finance-ltd\">SBFC Finance<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/mas-financial-services-ltd\">MAS Financial Services<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Secured MSME + gold loans + micro home loans (pan-India)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">MSME + microfinance + CV loans (West India focus)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 10,433 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 5,494 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">21.71x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">13.76x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">12.10%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">12.48%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Debt to Equity<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.92<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">3.47<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Founded<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">2008, listed 2023<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1995, listed 2016<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Key Products<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Secured MSME, LAP, gold loans<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">MSME, microfinance, commercial vehicle<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The SBFC Finance vs MAS Financial Services comparison above covers the key data points on reach, products, results and valuation. SBFC Finance vs MAS Financial Services covers two mid-size NBFCs serving India&#8217;s underbanked MSME and micro-enterprise segment. SBFC Finance has a broader product mix including gold loans and is post-IPO. MAS Financial is an established western India NBFC with a 25-year track record. SBFC Finance vs MAS Financial investors should review gross NPA, provision coverage, cost of funds, AUM growth and credit quality in MSME segments. SBFC Finance vs MAS Financial Services both benefit from India&#8217;s formalisation of small business lending. Consult a SEBI-registered advisor for personalised guidance.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track SBFC Finance and MAS Financial Services live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_does_SBFC_Finance_do\"><\/span><strong>What does SBFC Finance do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> SBFC Finance (SME, Micro and Retail Business Finance Company) provides secured credit to self-employed individuals and micro-entrepreneurs &#8211; primarily MSME loans, loans against property, gold loans and micro home loans &#8211; through a branch network across India.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_does_MAS_Financial_Services_do\"><\/span><strong>What does MAS Financial Services do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> MAS Financial Services is an Ahmedabad-based NBFC providing MSME business loans, microfinance, commercial vehicle loans and micro home loans, primarily to small businesses and self-employed individuals in Gujarat and adjacent states.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_MSME_NBFCs_risky\"><\/span><strong>Are MSME NBFCs risky?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> MSME lending carries higher credit risk than secured corporate loans as borrowers are self-employed with informal income. However, collateral-backed loans (LAP, gold) reduce loss-given-default. Both SBFC and MAS Financial use collateral-backed models to manage risk.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_DE_in_NBFC_context\"><\/span><strong>What is D\/E in NBFC context?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> For an NBFC, D\/E (Debt to Equity) represents how much borrowed capital it uses to fund its loan book. NBFCs use borrowing to fund lending &#8211; higher D\/E is normal. SBFC at 1.92 and MAS at 3.47 both reflect typical NBFC funding ratios.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_MAS_Financial_pay_dividends\"><\/span><strong>Does MAS Financial pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. MAS Financial Services pays a small dividend yield of approximately 0.66 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_SBFC_and_MAS_Financial_in_Nifty_50\"><\/span><strong>Are SBFC and MAS Financial in Nifty 50?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Neither is in Nifty 50. Both are tracked in smaller indices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_is_larger_SBFC_or_MAS_Financial\"><\/span><strong>Which is larger, SBFC or MAS Financial?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> SBFC Finance at Rs 10,433 Cr is approximately 1.9 times larger than MAS Financial Services at Rs 5,494 Cr.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>SBFC Finance vs MAS Financial Services compared on MSME loans, gold loans, ROE and valuation. 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