Sainik Finance & Industries Ltd

Sainik Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Sainik Finance & Industries Ltd

₹ 32.5 -1.99%
01 Apr - close price
sainikfinance.com BSE: 530265
About

Incorporated in 1991, Sainik Finance & Industries Ltd is engaged in the business of investment, finance and lending.

Key Points

Registration:[1]
Company is registered as a Non-Systematically Important, Non-Deposit Taking, Non-Banking Financial Company for which the Certificate of Registration has been obtained from Department of Non-Banking Supervision, Reserve Bank of India, New Delhi

Website BSE
  • Market Cap ₹ 35.4 Cr.
  • Current Price ₹ 32.5
  • High / Low ₹ 64.0 / 27.0
  • Stock P/E 6.33
  • Book Value ₹ 42.2
  • Dividend Yield 0.00 %
  • ROCE 11.8 %
  • ROE 15.2 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.77 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -13.3% over past five years.
  • Tax rate seems low
  • Company has a low return on equity of 7.18% 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

Commodities Construction Materials Cement & Cement Products Cement & Cement Products

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
4.65 4.33 3.80 4.06 3.70 3.69 3.63 3.86 3.93 5.26 3.62 4.09 4.41
0.34 -1.23 0.39 0.02 1.87 0.36 0.41 0.15 0.27 0.30 0.42 0.91 0.31
Operating Profit 4.31 5.56 3.41 4.04 1.83 3.33 3.22 3.71 3.66 4.96 3.20 3.18 4.10
OPM % 92.69% 128.41% 89.74% 99.51% 49.46% 90.24% 88.71% 96.11% 93.13% 94.30% 88.40% 77.75% 92.97%
0.04 0.09 0.00 0.00 0.08 0.00 0.00 0.00 0.06 0.00 0.00 0.00 0.00
Interest 3.45 3.86 2.44 2.45 2.44 2.68 2.40 2.41 2.31 2.26 2.28 2.57 2.86
Depreciation 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
Profit before tax 0.90 1.79 0.97 1.59 -0.53 0.65 0.82 1.30 1.41 2.70 0.92 0.61 1.24
Tax % 10.00% 5.59% 24.74% 25.16% -24.53% 26.15% -1.22% 2.31% 0.00% 1.11% -2.17% -19.67% 0.00%
0.81 1.69 0.72 1.19 -0.40 0.49 0.83 1.28 1.40 2.67 0.95 0.73 1.24
EPS in Rs 0.74 1.55 0.66 1.09 -0.37 0.45 0.76 1.18 1.29 2.45 0.87 0.67 1.14
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
6.21 9.44 9.19 9.98 25.64 29.60 34.08 20.82 15.62 18.24 15.33 16.73 17.38
2.18 1.10 1.79 2.24 0.90 1.94 3.14 9.49 7.35 0.94 2.64 1.12 1.94
Operating Profit 4.03 8.34 7.40 7.74 24.74 27.66 30.94 11.33 8.27 17.30 12.69 15.61 15.44
OPM % 64.90% 88.35% 80.52% 77.56% 96.49% 93.45% 90.79% 54.42% 52.94% 94.85% 82.78% 93.31% 88.84%
-1.21 0.06 0.16 -0.04 0.11 0.27 0.01 4.00 0.18 0.00 0.00 0.00 0.00
Interest 0.00 0.00 0.00 5.06 18.22 21.06 24.67 16.90 17.67 14.96 10.01 9.38 9.97
Depreciation 2.27 5.19 4.87 0.01 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax 0.55 3.21 2.69 2.63 6.62 6.86 6.27 -1.57 -9.22 2.34 2.68 6.23 5.47
Tax % 69.09% 38.94% 44.24% 52.85% 25.23% 26.38% 35.25% -39.49% -11.82% 103.85% 25.37% 0.96%
0.17 1.96 1.50 1.24 4.95 5.06 4.06 -0.96 -8.13 -0.09 2.00 6.18 5.59
EPS in Rs 0.16 1.80 1.38 1.14 4.55 4.65 3.73 -0.88 -7.47 -0.08 1.84 5.68 5.13
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 6%
5 Years: -13%
3 Years: 2%
TTM: 15%
Compounded Profit Growth
10 Years: 12%
5 Years: 9%
3 Years: 40%
TTM: 40%
Stock Price CAGR
10 Years: 2%
5 Years: 11%
3 Years: 13%
1 Year: -19%
Return on Equity
10 Years: 3%
5 Years: -2%
3 Years: 7%
Last Year: 15%

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 10.88 10.88 10.88 10.88 10.88 10.88 10.88 10.88 10.88 10.88 10.88 10.88 10.88
Reserves 14.78 16.96 19.12 21.22 26.17 29.31 33.30 32.36 24.68 24.53 26.54 33.31 34.99
15.83 39.61 23.42 150.60 180.55 209.47 178.19 162.41 208.75 97.10 99.07 84.81 113.07
5.52 8.67 9.01 8.47 9.52 20.95 33.95 28.45 17.03 19.55 15.88 13.64 9.28
Total Liabilities 47.01 76.12 62.43 191.17 227.12 270.61 256.32 234.10 261.34 152.06 152.37 142.64 168.22
0.90 0.85 0.84 0.64 0.63 0.28 0.27 0.00 0.00 0.00 0.00 0.00 0.00
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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.01 0.01
46.11 75.27 61.59 190.53 226.49 270.33 256.05 234.10 261.34 152.05 152.36 142.63 168.21
Total Assets 47.01 76.12 62.43 191.17 227.12 270.61 256.32 234.10 261.34 152.06 152.37 142.64 168.22

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
-1.13 -24.10 15.98 -127.18 -30.44 -28.40 30.68 11.76 -46.38 113.49 1.38 16.82
1.36 0.39 0.06 0.26 -0.26 -0.30 0.30 4.05 0.00 0.00 0.00 0.00
-0.50 23.78 -16.18 127.17 29.96 28.92 -31.28 -15.79 46.34 -111.66 1.97 -14.26
Net Cash Flow -0.27 0.07 -0.14 0.26 -0.75 0.21 -0.29 0.03 -0.04 1.83 3.35 2.56
Free Cash Flow 0.23 -24.07 15.98 -127.03 -30.44 -28.40 30.68 15.81 -46.38 113.49 1.38 16.82
CFO/OP -9% -279% 232% -1,627% -111% -92% 110% 118% -542% 666% 22% 117%

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 22.33 11.99 12.31 4.39 1.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days 68.44
Days Payable 79.84
Cash Conversion Cycle 10.93 11.99 12.31 4.39 1.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 1,313.65 987.90 1,141.47 1,139.62 521.59 67.70 -14.14 -204.24 -31.31 -54.03 0.48 -8.29
ROCE % 4.34% 5.89% 4.45% 6.56% 12.41% 11.95% 13.11% 5.40% 3.76% 9.18% 9.43% 11.76%

Insights

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Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Gross Loans and Advances
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Gross NPAs (Stage 3)
INR Lakhs
Net Loans and Advances
INR Lakhs
Number of Permanent Employees
Number
Assets Managed per Employee
INR Lakhs
Capital to Risk-weighted Assets Ratio (CRAR)
Percentage

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
70.24% 70.24% 70.24% 70.24% 70.24% 70.24% 70.25% 70.25% 70.25% 70.25% 70.25% 70.25%
29.76% 29.76% 29.75% 29.75% 29.75% 29.75% 29.75% 29.75% 29.75% 29.75% 29.74% 29.76%
No. of Shareholders 3,4553,4593,4723,5513,6393,6603,7053,8123,8423,8833,9634,000

Documents

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