Sera Investments & Finance India Ltd

Sera Investments Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Sera Investments & Finance India Ltd

₹ 39.8 0.78%
20 Nov 11:42 a.m.
kapashicommercial.com BSE: 512399
About

Incorporated in 1985, Sera Investments & Finance India Ltd is primarily involved in Investments activity

Key Points

Business Overview:[1][2]
SIFI (previously Kapashi Commercials Ltd) provides Digital Lending Services for people seeking personal & business loans, and capital advisory. It is registered as a Core Investment Company (CIC) Specified Non-Banking Financial Company

Website BSE
  • Market Cap ₹ 261 Cr.
  • Current Price ₹ 39.8
  • High / Low ₹ 49.9 / 25.6
  • Stock P/E
  • Book Value ₹ 61.7
  • Dividend Yield 0.00 %
  • ROCE 2.29 %
  • ROE 1.48 %
  • Face Value ₹ 2.00
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.64 times its book value
  • Company's working capital requirements have reduced from 151 days to 53.5 days

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 2.66% over last 3 years.
  • Debtor days have increased from -86.7 to 46.6 days.
  • Company's cost of borrowing seems high
  • Promoter holding has decreased over last 3 years: -6.88%

* 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 Non Banking Financial Company (NBFC)

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
2.93 -0.73 1.48 2.33 1.40 9.13 5.27 5.98 2.86 0.50 2.26 2.59 2.12
0.43 0.51 9.23 0.27 0.24 1.52 0.30 0.94 -0.04 5.58 0.26 1.90 0.28
Operating Profit 2.50 -1.24 -7.75 2.06 1.16 7.61 4.97 5.04 2.90 -5.08 2.00 0.69 1.84
OPM % 85.32% -523.65% 88.41% 82.86% 83.35% 94.31% 84.28% 101.40% -1,016.00% 88.50% 26.64% 86.79%
0.00 0.04 0.00 0.21 4.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.24 0.03 0.25 0.39 0.20 0.13 0.23 0.14 0.51 0.41 0.38 0.40 0.49
Depreciation 0.00 0.00 0.00 0.00 0.03 0.07 0.16 0.10 0.24 0.09 0.19 0.14 0.15
Profit before tax 2.26 -1.23 -8.00 1.88 5.46 7.41 4.58 4.80 2.15 -5.58 1.43 0.15 1.20
Tax % 0.00% 0.00% 17.38% 18.62% 0.00% 0.00% 24.24% 24.79% -1.86% -5.38% -50.35% 26.67% 25.00%
2.26 -1.23 -9.39 1.53 5.46 7.41 3.46 3.61 2.19 -5.28 2.16 0.11 0.90
EPS in Rs 0.45 -0.25 -1.88 0.31 1.09 1.48 0.53 0.56 0.34 -0.81 0.33 0.02 0.14
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
0.65 0.70 0.70 0.77 0.44 0.52 0.67 0.30 3.05 -1.07 22.87 11.59 7.47
1.75 0.11 0.19 0.18 0.20 0.29 0.16 0.24 2.25 10.59 2.32 6.38 8.02
Operating Profit -1.10 0.59 0.51 0.59 0.24 0.23 0.51 0.06 0.80 -11.66 20.55 5.21 -0.55
OPM % -169.23% 84.29% 72.86% 76.62% 54.55% 44.23% 76.12% 20.00% 26.23% 89.86% 44.95% -7.36%
-0.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.01 0.01 0.00 0.00 0.00 0.10 0.38 0.40 1.89 0.92 0.96 1.78 1.68
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.26 0.61 0.57
Profit before tax -1.24 0.58 0.51 0.59 0.24 0.13 0.13 -0.34 -1.09 -12.58 19.33 2.82 -2.80
Tax % 12.90% 32.76% 33.33% 33.90% 37.50% 169.23% 23.08% 2.94% 0.00% 11.05% 7.55% 4.61%
-1.40 0.39 0.34 0.39 0.16 -0.09 0.10 -0.34 -1.09 -13.97 17.87 2.68 -2.11
EPS in Rs -1.12 0.31 0.27 0.31 0.13 -0.07 0.08 -0.14 -0.44 -2.79 2.75 0.41 -0.32
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.64% 0.00%
Compounded Sales Growth
10 Years: 32%
5 Years: 77%
3 Years: 56%
TTM: -68%
Compounded Profit Growth
10 Years: 21%
5 Years: 93%
3 Years: 65%
TTM: -113%
Stock Price CAGR
10 Years: %
5 Years: 27%
3 Years: -5%
1 Year: -1%
Return on Equity
10 Years: 2%
5 Years: 2%
3 Years: 3%
Last Year: 1%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 1.00 1.00 1.00 1.00 1.00 1.00 2.50 5.00 5.00 10.00 13.00 13.00 13.10
Reserves 2.71 3.10 3.44 3.83 3.99 3.90 2.50 11.67 6.68 15.85 56.14 280.94 391.24
0.00 0.09 0.00 0.02 0.00 2.90 2.70 0.00 40.15 29.62 19.45 19.92 1.13
0.03 0.06 0.05 0.09 0.01 0.19 0.12 0.05 0.12 0.05 1.98 66.55 121.55
Total Liabilities 3.74 4.25 4.49 4.94 5.00 7.99 7.82 16.72 51.95 55.52 90.57 380.41 527.02
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.18 1.75 1.55
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.00 0.00 0.09 0.06 0.06 0.00 3.38 10.81 34.77 25.87 33.84 325.43 457.68
3.74 4.25 4.40 4.88 4.94 7.99 4.44 5.91 17.18 29.65 55.55 53.23 67.79
Total Assets 3.74 4.25 4.49 4.94 5.00 7.99 7.82 16.72 51.95 55.52 90.57 380.41 527.02

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-0.62 0.45 -0.12 -0.31 -2.72 0.35 0.38 -0.01 -6.07 -6.00 -7.49 9.60
0.64 -0.23 0.70 0.68 0.00 0.04 -3.38 -10.13 -28.91 8.42 -5.53 -9.18
0.00 0.00 0.00 0.00 2.71 -0.38 3.11 10.19 34.82 -1.72 13.45 0.57
Net Cash Flow 0.02 0.22 0.58 0.37 -0.01 0.01 0.11 0.06 -0.16 0.70 0.43 0.99

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 589.98 -347.94 41.34 46.61
Inventory Days 0.00
Days Payable
Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 589.98 -347.94 41.34 46.61
Working Capital Days -16.85 104.29 151.21 341.30 4,073.07 3,425.38 -1,519.93 -36.50 704.87 382.06 16.28 53.54
ROCE % -24.20% 14.94% 11.82% 12.70% 4.88% 3.60% 6.58% 0.49% 2.34% -21.73% 28.17% 2.29%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
70.00% 70.00% 70.00% 70.00% 70.00% 64.61% 56.05% 56.05% 56.05% 57.77% 58.26% 58.26%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 14.68% 0.00% 0.00% 16.10% 4.12%
29.99% 30.00% 30.00% 30.00% 29.99% 35.37% 43.95% 29.27% 43.95% 42.22% 25.64% 37.62%
No. of Shareholders 78177812,0889,9619,2008,8758,1937,8519,3999,2508,8088,715

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports