SBFC Finance vs MAS Financial Services: Share Price, Comparison and Key Differences

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.

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.

SBFC Finance vs MAS Financial Services: Reach and Market Position

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.

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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.

SBFC Finance vs MAS Financial Services: Key Products and Business Mix

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.

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.

SBFC Finance vs MAS Financial Services: Latest Results

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.

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.

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SBFC Finance vs MAS Financial Services: Stock and Valuation

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.

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.

SBFC Finance vs MAS Financial Services: Quick Comparison Table

The SBFC Finance vs MAS Financial Services comparison table below summarises the key metrics covered in this article side by side.

Parameter	SBFC Finance	MAS Financial Services
Sector	Secured MSME + gold loans + micro home loans (pan-India)	MSME + microfinance + CV loans (West India focus)
Market Cap	Rs 10,433 Cr	Rs 5,494 Cr
P/E Ratio	21.71x	13.76x
ROE	12.10%	12.48%
Debt to Equity	1.92	3.47
Founded	2008, listed 2023	1995, listed 2016
Key Products	Secured MSME, LAP, gold loans	MSME, microfinance, commercial vehicle

Conclusion

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'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's formalisation of small business lending. Consult a SEBI-registered advisor for personalised guidance.

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Frequently Asked Questions

What does SBFC Finance do?

Ans. SBFC Finance (SME, Micro and Retail Business Finance Company) provides secured credit to self-employed individuals and micro-entrepreneurs – primarily MSME loans, loans against property, gold loans and micro home loans – through a branch network across India.

What does MAS Financial Services do?

Ans. 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.

Are MSME NBFCs risky?

Ans. 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.

What is D/E in NBFC context?

Ans. 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 – higher D/E is normal. SBFC at 1.92 and MAS at 3.47 both reflect typical NBFC funding ratios.

Does MAS Financial pay dividends?

Ans. Yes. MAS Financial Services pays a small dividend yield of approximately 0.66 percent.

Are SBFC and MAS Financial in Nifty 50?

Ans. Neither is in Nifty 50. Both are tracked in smaller indices.

Which is larger, SBFC or MAS Financial?

Ans. SBFC Finance at Rs 10,433 Cr is approximately 1.9 times larger than MAS Financial Services at Rs 5,494 Cr.