Sakthi Finance Ltd
- Market Cap ₹ 175 Cr.
- Current Price ₹ 27.0
- High / Low ₹ 58.0 / 20.2
- Stock P/E 29.8
- Book Value ₹ 24.6
- Dividend Yield 2.96 %
- ROCE 13.4 %
- ROE 8.55 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 1.10 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: | 1% |
| 5 Years: | 10% |
| 3 Years: | -1% |
| 1 Year: | -45% |
| 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 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
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| Annual Disbursements ₹ Lakhs ・Standalone data |
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| Capital Adequacy Ratio (CRAR) % ・Standalone data |
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| Net NPA to Net Advances % ・Standalone data |
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| Gross Stage 3 Assets / Gross NPA (%) % ・Standalone data |
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| Number of Branches Number ・Standalone data |
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| Stock-on-Hire / Growth in Advancess ₹ Lakhs ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Compliances-Reg.24(A)-Annual Secretarial Compliance
29 May - Annual Secretarial Compliance Report for FY2025-26 notes a technical delay under Regulation 17(1A) for a director appointment.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
25 May - Newspaper Publication of Audited Financial Results of the Company for the quarter and year ended 31 March 2026 in The Business Line (English) and The …
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Appointment Of Internal Ombudsman
23 May - Sri S Arumugam appointed Internal Ombudsman for three years from 23 May 2026.
- Audited Financial Results For The Quarter Ended 31 March 2026 23 May
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Corporate Action-Board approves Dividend
23 May - FY26 audited results approved; ₹0.80 dividend recommended; NCD redemptions due 9 July and 29 August 2026.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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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