Sera Investments & Finance India Ltd

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

₹ 53.9 -3.84%
23 Oct 11:39 a.m.
sera-india.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 ₹ 353 Cr.
  • Current Price ₹ 53.9
  • High / Low ₹ 64.0 / 31.5
  • Stock P/E 3.42
  • Book Value ₹ 44.9
  • Dividend Yield 0.16 %
  • ROCE 21.0 %
  • ROE 18.2 %
  • Face Value ₹ 2.00
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 1.20 times its book value
  • Debtor days have improved from 35.8 to 19.0 days.

Cons

  • Company has a low return on equity of 13.6% over last 3 years.
  • Promoter holding has decreased over last 3 years: -12.5%
  • Working capital days have increased from 550 days to 1,582 days

* 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

Consolidated Figures in Rs. Crores / View Standalone

Mar 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
5 0 2 3 2 25 42 59
Interest 0 0 0 0 0 0 0 0
0 6 0 2 0 1 4 1
Financing Profit 5 -5 1 0 1 24 38 58
Financing Margin % 90% -1,098% 65% 11% 57% 94% 91% 99%
0 0 0 0 -0 0 0 0
Depreciation 0 0 0 0 0 0 0 0
Profit before tax 5 -6 1 0 1 24 38 58
Tax % 24% -5% -64% 29% 31% 15% 15% 15%
3 -5 2 0 1 20 33 50
EPS in Rs 0.53 -0.81 0.31 0.02 0.10 3.06 5.00 7.60
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2024 Mar 2025 Mar 2026 TTM
23 12 72 128
Interest 1 2 1 1
2 6 7 6
Financing Profit 20 3 63 121
Financing Margin % 86% 28% 88% 95%
0 0 0 -0
Depreciation 0 1 1 1
Profit before tax 19 3 63 121
Tax % 8% 3% 16%
18 3 54 103
EPS in Rs 2.75 0.39 8.18 15.76
Dividend Payout % 4% 0% 1%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 520%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 2018%
Stock Price CAGR
10 Years: %
5 Years: 35%
3 Years: 70%
1 Year: 61%
Return on Equity
10 Years: %
5 Years: %
3 Years: 14%
Last Year: 18%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2024 Mar 2025 Mar 2026
Equity Capital 13 13 13
Reserves 56 281 281
Borrowing 19 20 1
2 67 52
Total Liabilities 91 380 347
1 3 2
CWIP 0 0 0
Investments 34 324 246
56 53 99
Total Assets 91 380 347

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2024 Mar 2025 Mar 2026
-7 10 55
-6 -9 -28
13 1 -20
Net Cash Flow 0 1 6
Free Cash Flow -9 8 55

Ratios

Consolidated / View Standalone

Mar 2024 Mar 2025 Mar 2026
ROE % 26% 1% 18%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Loan Book
₹ thousand ・Standalone data

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Number of Permanent Employees
count ・Standalone data
AIF Target Corpus
₹ thousand ・Standalone data
Number of States of Operation
count ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

5 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
70.00% 64.61% 56.05% 56.05% 56.05% 57.77% 58.26% 58.26% 58.15% 58.15% 57.69% 57.50%
0.00% 0.00% 0.00% 14.68% 0.00% 0.00% 16.10% 4.12% 4.12% 4.12% 4.12% 4.12%
29.99% 35.37% 43.95% 29.27% 43.95% 42.22% 25.64% 37.62% 37.72% 37.72% 38.20% 38.38%
No. of Shareholders 9,2008,8758,1937,8519,3999,2508,8088,7157,9837,8327,7098,085

* 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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Documents

Announcements

Annual reports