Sakthi Finance Ltd
- Market Cap ₹ 181 Cr.
- Current Price ₹ 28.0
- High / Low ₹ 46.7 / 20.2
- Stock P/E 30.9
- Book Value ₹ 24.6
- Dividend Yield 2.86 %
- ROCE 13.4 %
- ROE 8.55 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 1.14 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
Financial Services Financial Services Finance Investment Company
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Interest |
| Financing Profit |
| Financing Margin % |
| Depreciation |
| Profit before tax |
| Tax % |
| EPS in Rs |
| Gross NPA % |
| Net NPA % |
| 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 | |
| Interest | 16.13 | 16.41 | 23.13 | 37.37 | 50.73 |
| 10.89 | 12.47 | 14.87 | 11.94 | 16.94 | |
| Financing Profit | -1.22 | 1.15 | 1.04 | 5.39 | 8.11 |
| Financing Margin % | -4.73% | 3.83% | 2.66% | 9.85% | 10.70% |
| 5.14 | 4.53 | 6.22 | 3.76 | 3.86 | |
| 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: | -4% |
| 5 Years: | 7% |
| 3 Years: | -6% |
| 1 Year: | -38% |
| 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 |
| Borrowing | 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 |
| Free Cash Flow | -9.25 | -16.74 | -55.51 | -97.86 | -93.32 |
| CFO/OP | -54% | -85% | -203% | -209% | -146% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2006 | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | |
|---|---|---|---|---|---|
| ROE % | 1.55% | 7.35% | 5.32% | 8.11% | 8.55% |
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 ・Standalone data |
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| Gross Non-Performing Assets (GNPA) ₹ lakh ・Standalone data |
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| Net Stock on Hire (Loan Portfolio) ₹ lakh ・Standalone data |
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| Number of Branches count ・Standalone data |
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| Number of Permanent Employees count ・Standalone data |
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| Public Deposits (Total Deposits) ₹ lakh ・Standalone data |
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| Commercial Vehicle Portfolio (Net Stock on Hire) ₹ lakh ・Standalone data |
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| Tamil Nadu & Kerala Portfolio (Geographic Concentration) ₹ lakh ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
- Newspaper Advertisements for completion of despatch of AGM Notice and Annual Report 2026 for the 69th Annual General Meeting
- Shareholder Meeting - Weblink Letter To Equity Shareholders, Preference Shareholders And Listed NCD Holders
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Shareholding Meeting - 69Th AGM Sep 26, 2026
- 69th AGM on 26 Sep 2026; proposes ₹0.80 equity dividend, director reappointment, and ₹50 crore RcPS issue.
- Reg. 34 (1) Annual Report.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
- We submit copy of the advertisements published today in Business Line and The Hindu (Tamil-Thisai) to the members in relation to holding of AGM and …
Annual reports
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Annual Report 2026
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Annual Report 2025
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
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Annual Report 2020
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Annual Report 2019
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
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Annual Report 2015
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Annual Report 2014
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Annual Report 2013
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Annual Report 2012
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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