Sakthi Finance Ltd

₹ 25.8 2.18%

30 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 ₹ 167 Cr.
Current Price ₹ 25.8
High / Low ₹ 45.4 / 20.2
Stock P/E 28.5
Book Value ₹ 24.6
Dividend Yield 3.10 %
ROCE 13.4 %
ROE 8.55 %
Face Value ₹ 10.0

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Pros

Stock is trading at 1.05 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



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:	8%
3 Years:	-9%
1 Year:	-41%

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 / 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

xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx
x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx
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 ・Standalone data

Net Stock on Hire (Loan Portfolio)
₹ lakh ・Standalone data

Number of Branches
count ・Standalone data

Number of Permanent Employees
count ・Standalone data

Public Deposits (Total Deposits)
₹ lakh ・Standalone data

Commercial Vehicle Portfolio (Net Stock on Hire)
₹ lakh ・Standalone data

Tamil Nadu & Kerala Portfolio (Geographic Concentration)
₹ lakh ・Standalone data

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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