Saraswati Commercial (India) Ltd

Saraswati Commer Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Saraswati Commercial (India) Ltd

₹ 3,209 -0.03%
01 Dec - close price
saraswaticommercial.com BSE: 512020
About

Company is a registered NBFC and engaged in lending and trading activities. [1]

Key Points

Revenue Break-up
Dividend Income - 2% in FY22 vs 1% in FY21
Net Gain on FV Changes: ** 97% in FY22 vs 96% in FY2
Interest Income: ** 1% in FY22 vs 3% in FY21 [1]

Website BSE
  • Market Cap ₹ 330 Cr.
  • Current Price ₹ 3,209
  • High / Low ₹ 3,440 / 2,251
  • Stock P/E 8.43
  • Book Value ₹ 4,859
  • Dividend Yield 0.00 %
  • ROCE 4.60 %
  • ROE 2.73 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Stock is trading at 0.66 times its book value
  • Company is expected to give good quarter

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 9.86% 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023
20 3 -4 20 67 -11 11 -28 57 12 -18 30 29
0 0 1 0 1 0 1 0 1 1 1 1 1
Operating Profit 20 3 -5 20 66 -11 10 -28 57 12 -19 29 28
OPM % 98% 92% 98% 99% 92% 99% 95% 98% 98%
0 0 0 0 0 0 0 0 0 0 0 0 0
Interest 1 0 0 0 0 0 1 0 0 0 1 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 19 3 -5 20 66 -11 10 -29 56 11 -20 28 28
Tax % 25% 24% 119% 19% 19% 5% 35% 14% 20% 26% 13% 14% 14%
14 2 1 16 53 -11 6 -25 45 8 -17 24 24
EPS in Rs 143.77 21.28 9.39 154.48 518.50 -105.06 62.04 -240.02 440.72 81.56 -169.05 237.11 231.09
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
1 1 22 99 19 11 16 9 1 28 87 24 53
0 0 21 87 1 3 2 2 14 2 2 3 3
Operating Profit 1 0 1 12 18 8 14 8 -13 26 85 21 49
OPM % 84% 81% 5% 13% 95% 75% 86% 82% -938% 94% 97% 87% 94%
-0 0 0 1 0 0 0 0 0 0 0 0 0
Interest 0 0 1 5 4 3 0 0 0 2 1 2 2
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1 0 0 8 14 5 14 7 -13 25 84 19 47
Tax % 25% 18% 0% 18% 0% -2% -17% 10% 26% 14% 22% 39%
1 0 0 7 14 5 16 7 -10 21 65 12 39
EPS in Rs 159.56 66.64 -96.01 213.21 629.96 113.21 380.71
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 46%
5 Years: 8%
3 Years: 160%
TTM: 78%
Compounded Profit Growth
10 Years: 42%
5 Years: -6%
3 Years: 48%
TTM: 141%
Stock Price CAGR
10 Years: %
5 Years: 157%
3 Years: 49%
1 Year: 2%
Return on Equity
10 Years: 9%
5 Years: 7%
3 Years: 10%
Last Year: 3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 1 1 1 1 1 1 1 1 1 1 1 1 1
Reserves 14 14 14 21 35 115 128 135 155 275 421 432 499
0 0 41 32 42 8 32 0 10 5 28 22 41
0 0 12 6 5 9 1 0 0 12 30 26 35
Total Liabilities 14 15 67 59 82 133 162 137 166 293 480 482 576
0 0 0 0 0 0 0 0 0 0 0 0 0
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 14 13 37 44 51 97 119 117 135 286 465 480 502
0 2 30 16 32 36 42 20 31 7 14 2 74
Total Assets 14 15 67 59 82 133 162 137 166 293 480 482 576

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
0 -1 25 -5 -16 -23 -6 -16 -18 -5 50 27
-7 1 -23 10 20 27 8 16 16 4 -81 -22
0 0 -1 -5 -4 -3 -3 -0 9 -7 33 -7
Net Cash Flow -7 0 0 -0 0 2 -1 -0 7 -7 2 -2

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 0 0 2 2 119 91 0 0 32 0 4 0
Inventory Days 368 59
Days Payable 194 0
Cash Conversion Cycle 0 0 176 61 119 91 0 0 32 0 4 0
Working Capital Days 42 446 283 36 493 744 792 534 4,750 64 44 5
ROCE % 6% 3% 3% 23% 28% 8% 10% 5% -8% 12% 23% 5%

Shareholding Pattern

Numbers in percentages

Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
73.73% 73.73% 72.32% 72.32% 72.32% 72.32% 72.32% 72.33% 72.33% 72.33% 72.33% 72.33%
26.27% 26.27% 27.68% 27.68% 27.68% 27.68% 27.68% 27.68% 27.68% 27.68% 27.67% 27.68%
No. of Shareholders 1,0401,0171,1291,2711,2361,3051,3141,6431,7021,7891,7961,780

Documents

Announcements

Annual reports