Sakthi Finance Ltd

₹ 27.9 0.11%

08 Sep - close price

About

Incorporated in 1955, Sakthi Finance provides financing in India^[1]

Key Points

Business Overview:^[1]
SFL is a part of the Sakthi Group and is classified as NBFC -Middle layer. It provides vehicle financing in used commercial vehicles, with operations across Tamil Nadu, Kerala, Andhra Pradesh and Karnataka. Company also presence in related businesses, like automotive dealerships, has aided origination, appraisal, and good market responsiveness, monitoring and collections.
It has a branch-centric operating model with in-house origination team, which is responsible for collections, while the credit sanctions are centralised.
SFL conducts credit bureau checks to screen its customers, followed by a field investigation and an income assessment and viability analysis
as a part of its loan origination process

Website BSE

Market Cap ₹ 181 Cr.
Current Price ₹ 27.9
High / Low ₹ 46.7 / 20.2
Stock P/E 10.4
Book Value ₹ 37.3
Dividend Yield 2.87 %
ROCE 10.9 %
ROE 7.33 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.75 times its book value
Company has been maintaining a healthy dividend payout of 31.4%

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of 4.22% over past five years.
Company has a low return on equity of 7.38% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	49.15	51.22	52.21	54.16	53.21	54.29	54.79	52.70	53.75	52.87	54.81	49.28	51.00
Interest	28.24	28.97	28.84	29.67	29.43	30.58	30.26	29.57	31.26	31.50	31.85	31.40	29.46
	14.92	15.59	16.07	17.09	16.81	16.53	17.04	15.71	15.15	14.36	16.03	9.53	14.08
Financing Profit	5.99	6.66	7.30	7.40	6.97	7.18	7.49	7.42	7.34	7.01	6.93	8.35	7.46
Financing Margin %	12.19%	13.00%	13.98%	13.66%	13.10%	13.23%	13.67%	14.08%	13.66%	13.26%	12.64%	16.94%	14.63%
	0.00	0.00	0.00	0.00	0.02	0.01	0.01	0.17	0.00	0.00	0.11	0.08	0.20
Depreciation	1.45	1.47	1.47	1.49	1.52	1.49	1.49	1.44	1.53	1.55	1.59	1.75	2.13
Profit before tax	4.54	5.19	5.83	5.91	5.47	5.70	6.01	6.15	5.81	5.46	5.45	6.68	5.53
Tax %	24.01%	27.75%	25.90%	29.10%	29.07%	37.37%	23.46%	25.20%	29.09%	31.14%	31.19%	15.87%	24.23%
	3.45	3.75	4.32	4.19	3.89	3.57	4.60	4.59	4.12	3.76	3.75	5.62	4.18
EPS in Rs	0.53	0.58	0.67	0.65	0.60	0.55	0.71	0.71	0.64	0.58	0.58	0.87	0.65
Gross NPA %				5.25%		5.13%	5.20%	4.92%	4.69%	4.92%	4.81%
Net NPA %				2.62%		2.60%	2.75%	2.39%	2.17%	2.17%	2.25%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	148	168	168	166	165	170	171	181	192	207	215	211	208
Interest	90	103	103	100	99	101	105	108	109	116	120	126	124
	37	42	43	47	48	50	49	56	60	64	66	55	54
Financing Profit	21	24	22	19	18	19	17	18	23	27	29	30	30
Financing Margin %	14%	14%	13%	12%	11%	11%	10%	10%	12%	13%	14%	14%	14%
	3	-0	3	3	2	-0	0	0	0	0	0	0	0
Depreciation	2	3	3	3	4	5	4	5	5	6	6	6	7
Profit before tax	21	20	21	19	17	14	13	13	17	21	23	23	23
Tax %	26%	39%	21%	36%	29%	20%	26%	26%	28%	27%	29%	26%
	16	13	17	12	12	11	9	10	12	16	17	17	17
EPS in Rs	3.17	2.51	3.35	2.39	2.39	1.73	1.43	1.47	1.93	2.43	2.57	2.67	2.68
Dividend Payout %	32%	40%	30%	42%	42%	35%	42%	41%	36%	33%	31%	30%

Compounded Sales Growth
10 Years:	2%
5 Years:	4%
3 Years:	3%
TTM:	-4%

Compounded Profit Growth
10 Years:	1%
5 Years:	13%
3 Years:	11%
TTM:	3%

Stock Price CAGR
10 Years:	-4%
5 Years:	7%
3 Years:	-6%
1 Year:	-38%

Return on Equity
10 Years:	7%
5 Years:	7%
3 Years:	7%
Last Year:	7%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	50	50	50	50	50	65	65	65	65	65	65	65
Reserves	91	95	103	108	112	122	127	133	142	154	165	177
Borrowing	847	756	875	884	875	1,009	1,023	1,052	1,074	1,175	1,109	1,169
	175	179	51	51	86	24	22	20	20	31	30	24
Total Liabilities	1,163	1,080	1,079	1,094	1,123	1,220	1,238	1,269	1,301	1,424	1,368	1,434
	58	65	65	63	62	79	76	75	73	70	68	80
CWIP	0	1	0	1	2	0	1	0	0	1	3	0
Investments	24	23	26	27	30	27	27	25	13	14	23	60
	1,080	990	988	1,003	1,030	1,114	1,134	1,170	1,214	1,339	1,274	1,293
Total Assets	1,163	1,080	1,079	1,094	1,123	1,220	1,238	1,269	1,301	1,424	1,368	1,434

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	66	-102	-25	92	15	-136	6	2	-2	-28	22	118
	-4	-9	2	5	1	5	2	-7	20	-9	-14	-69
	45	8	27	-90	-20	109	-6	5	-3	100	-57	62
Net Cash Flow	107	-104	4	6	-4	-22	3	1	16	63	-49	111
Free Cash Flow	65	-118	-27	90	11	-137	5	-1	-5	-32	16	102
CFO/OP	67%	-74%	-15%	84%	18%	-110%	9%	7%	4%	-16%	19%	80%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	12%	10%	11%	8%	7%	6%	5%	5%	6%	7%	7%	7%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Disbursements in Hire Purchase Financing
₹ lakh

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xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xxx,xxx.xx	xxx,xxx.xx	xxx,xxx.xx	xxx,xxx.xx	xxx,xxx.xx	xxx,xxx.xx
xx	xx	xx	xx	xx	xx	xx	xx	xx	xx
xxx	xxx	xxx	xxx	xxx	xxx	xxx	xxx	xxx	xxx
xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	xx,xxx.xx
		xx,xxx	xx,xxx	xx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx
		xx,xxx	xx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx

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Gross Non-Performing Assets (GNPA)
₹ lakh

Net Stock on Hire (Loan Portfolio)
₹ lakh

Number of Branches
count

Number of Permanent Employees
count

Public Deposits (Total Deposits)
₹ lakh

Commercial Vehicle Portfolio (Net Stock on Hire)
₹ lakh

Tamil Nadu & Kerala Portfolio (Geographic Concentration)
₹ lakh

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	67.02%	67.02%	67.02%	67.02%	67.02%	67.02%	67.01%	67.01%	67.01%	67.01%	67.01%	67.01%
	0.09%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	32.90%	32.98%	32.99%	32.99%	32.99%	33.00%	32.98%	32.99%	32.99%	32.97%	32.99%	32.98%
No. of Shareholders	10,154	9,872	10,536	10,511	10,393	10,245	10,273	10,309	10,398	10,164	10,367	10,468

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	64.21%	64.21%	64.21%	67.02%	67.02%	67.02%	67.02%	67.02%	67.01%	67.01%	67.01%
	35.78%	35.78%	35.78%	32.98%	32.98%	32.98%	32.99%	32.99%	32.98%	32.99%	32.98%
No. of Shareholders	14,130	14,367	10,944	10,456	9,972	10,425	9,768	10,536	10,273	10,367	10,468

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Sakthi Finance Ltd

Sakthi Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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