Sakthi Finance Ltd

₹ 22.0 -2.17%

06 Mar - 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 ₹ 143 Cr.
Current Price ₹ 22.0
High / Low ₹ 58.0 / 21.9
Stock P/E 24.4
Book Value ₹ 24.6
Dividend Yield 3.63 %
ROCE 13.4 %
ROE 8.55 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.90 times its book value

Cons

Company has low interest coverage ratio.
Company has a low return on equity of 7.52% 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

Consolidated Figures in Rs. Crores / View Standalone




Operating Profit
OPM %

Interest
Depreciation
Profit before tax
Tax %

EPS in Rs
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2006	Mar 2007	Mar 2008	Mar 2009	Mar 2010
	25.80	30.03	39.04	54.70	75.78
	10.89	12.47	14.87	11.94	16.94
Operating Profit	14.91	17.56	24.17	42.76	58.84
OPM %	57.79%	58.47%	61.91%	78.17%	77.65%
	5.14	4.53	6.22	3.76	3.86
Interest	16.13	16.41	23.13	37.37	50.73
Depreciation	0.88	0.92	1.03	1.53	1.86
Profit before tax	3.04	4.76	6.23	7.62	10.11
Tax %	76.32%	37.61%	52.81%	37.40%	42.04%
	0.72	2.97	2.94	4.77	5.86
EPS in Rs	0.24	0.99	0.98	1.58	1.95
Dividend Payout %	0.00%	33.79%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	%
5 Years:	%
3 Years:	36%
TTM:	39%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	26%
TTM:	23%

Stock Price CAGR
10 Years:	2%
5 Years:	7%
3 Years:	-10%
1 Year:	-54%

Return on Equity
10 Years:	%
5 Years:	7%
3 Years:	8%
Last Year:	9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2006	Mar 2007	Mar 2008	Mar 2009	Mar 2010
Equity Capital	20.07	20.07	30.11	30.11	30.11
Reserves	19.31	21.13	24.10	33.02	43.88
	172.40	188.52	245.14	336.19	431.15
	34.11	45.89	49.75	41.07	47.59
Total Liabilities	245.89	275.61	349.10	440.39	552.73
	19.17	19.17	30.22	38.29	46.57
CWIP	2.31	3.63	0.00	0.00	0.00
Investments	17.55	15.26	13.88	12.76	11.77
	206.86	237.55	305.00	389.34	494.39
Total Assets	245.89	275.61	349.10	440.39	552.73

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2006	Mar 2007	Mar 2008	Mar 2009	Mar 2010
	-8.30	-14.50	-47.92	-88.27	-83.17
	2.34	2.03	-4.25	-5.53	-7.50
	4.70	14.97	56.28	95.19	99.96
Net Cash Flow	-1.26	2.50	4.11	1.39	9.29

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2006	Mar 2007	Mar 2008	Mar 2009	Mar 2010
Debtor Days	0.00	0.00	0.00	0.00	0.00
Inventory Days
Days Payable
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Working Capital Days	2,299.64	2,168.73	2,261.43	2,229.70	2,053.35
ROCE %		9.59%	10.78%	12.88%	13.45%

Insights

In beta

Mar 2014

Mar 2015

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Mar 2017

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Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Annual Disbursements
₹ Lakhs ・Standalone data

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Capital Adequacy Ratio (CRAR)
% ・Standalone data

Net NPA to Net Advances
% ・Standalone data

Gross Stage 3 Assets / Gross NPA (%)
% ・Standalone data

Number of Branches
Number ・Standalone data

Stock-on-Hire / Growth in Advancess
₹ Lakhs ・Standalone data

Shareholding Pattern

Numbers in percentages

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	67.02%	67.02%	67.02%	67.02%	67.02%	67.02%	67.02%	67.02%	67.01%	67.01%	67.01%	67.01%
	0.00%	0.09%	0.09%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	32.99%	32.89%	32.90%	32.98%	32.99%	32.99%	32.99%	33.00%	32.98%	32.99%	32.99%	32.97%
No. of Shareholders	9,768	9,730	10,154	9,872	10,536	10,511	10,393	10,245	10,273	10,309	10,398	10,164

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	64.21%	64.21%	64.21%	67.02%	67.02%	67.02%	67.02%	67.02%	67.01%	67.01%
	35.78%	35.78%	35.78%	32.98%	32.98%	32.98%	32.99%	32.99%	32.98%	32.97%
No. of Shareholders	14,130	14,367	10,944	10,456	9,972	10,425	9,768	10,536	10,273	10,164

* 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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