Sainik Finance & Industries Ltd

₹ 38.0 2.98%

12 Jun - close price

About

Incorporated in 1991, Sainik Finance & Industries Ltd is in the business of investment & finance activities.^[1]

Key Points

Business Overview:^[1]^[2]
SFIL is registered as a non-systematically important non deposit taking non-banking financial company engaged in investment and finance business like financing of Tippers
/ Pay loaders / and other Heavy Earth Moving Machines (HEMM) etc.

Website BSE

Market Cap ₹ 41.3 Cr.
Current Price ₹ 38.0
High / Low ₹ 64.0 / 27.0
Stock P/E 9.91
Book Value ₹ 44.4
Dividend Yield 0.00 %
ROCE 10.6 %
ROE 9.02 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.86 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 -4.11% over past five years.
Tax rate seems low
Company has a low return on equity of 10.0% over last 3 years.
Working capital days have increased from 61.6 days to 193 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

Commodities Construction Materials Cement & Cement Products Cement & Cement Products

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	4.33	3.80	4.06	3.70	3.69	3.63	3.86	3.93	5.26	3.62	4.09	4.41	4.76
	-1.23	0.39	0.02	1.87	0.36	0.41	0.15	0.27	0.30	0.42	0.91	0.31	0.39
Operating Profit	5.56	3.41	4.04	1.83	3.33	3.22	3.71	3.66	4.96	3.20	3.18	4.10	4.37
OPM %	128.41%	89.74%	99.51%	49.46%	90.24%	88.71%	96.11%	93.13%	94.30%	88.40%	77.75%	92.97%	91.81%
	0.09	-0.00	-0.00	0.08	-0.00	-0.00	-0.00	0.06	-0.00	-0.00	-0.00	-0.00	0.07
Interest	3.86	2.44	2.45	2.44	2.68	2.40	2.41	2.31	2.26	2.28	2.57	2.86	2.79
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	1.79	0.97	1.59	-0.53	0.65	0.82	1.30	1.41	2.70	0.92	0.61	1.24	1.65
Tax %	5.59%	24.74%	25.16%	-24.53%	26.15%	-1.22%	2.31%	-0.00%	1.11%	-2.17%	-19.67%	-0.00%	24.24%
	1.69	0.72	1.19	-0.40	0.49	0.83	1.28	1.40	2.67	0.95	0.73	1.24	1.26
EPS in Rs	1.55	0.66	1.09	-0.37	0.45	0.76	1.18	1.29	2.45	0.87	0.67	1.14	1.16
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	9.44	9.19	9.98	25.64	29.60	34.08	20.82	15.62	18.24	15.33	16.73	16.88
	1.10	1.79	2.24	0.90	1.94	3.14	9.49	7.35	0.94	2.64	1.12	2.03
Operating Profit	8.34	7.40	7.74	24.74	27.66	30.94	11.33	8.27	17.30	12.69	15.61	14.85
OPM %	88.35%	80.52%	77.56%	96.49%	93.45%	90.79%	54.42%	52.94%	94.85%	82.78%	93.31%	87.97%
	0.06	0.16	-0.04	0.11	0.27	0.01	4.00	0.18	-0.00	-0.00	-0.00	0.07
Interest	-0.00	-0.00	5.06	18.22	21.06	24.67	16.90	17.67	14.96	10.01	9.38	10.50
Depreciation	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	3.21	2.69	2.63	6.62	6.86	6.27	-1.57	-9.22	2.34	2.68	6.23	4.42
Tax %	38.94%	44.24%	52.85%	25.23%	26.38%	35.25%	-39.49%	-11.82%	103.85%	25.37%	0.96%	5.88%
	1.96	1.50	1.24	4.95	5.06	4.06	-0.96	-8.13	-0.09	2.00	6.18	4.17
EPS in Rs	1.80	1.38	1.14	4.55	4.65	3.73	-0.88	-7.47	-0.08	1.84	5.68	3.83
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:	-4%
3 Years:	-3%
TTM:	1%

Compounded Profit Growth
10 Years:	11%
5 Years:	25%
3 Years:	264%
TTM:	-33%

Stock Price CAGR
10 Years:	5%
5 Years:	14%
3 Years:	10%
1 Year:	-14%

Return on Equity
10 Years:	4%
5 Years:	2%
3 Years:	10%
Last Year:	9%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
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
Reserves	16.96	19.12	21.22	26.17	29.31	33.30	32.36	24.68	24.53	26.54	33.31	37.40
	39.61	23.42	150.60	180.55	209.47	178.19	162.41	208.75	97.10	99.07	84.81	104.95
	8.67	9.01	8.47	9.52	20.95	33.95	28.45	17.03	19.55	15.88	13.64	7.77
Total Liabilities	76.12	62.43	191.17	227.12	270.61	256.32	234.10	261.34	152.06	152.37	142.64	161.00
	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
Investments	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.01	0.01	0.01	0.01
	75.27	61.59	190.53	226.49	270.33	256.05	234.10	261.34	152.05	152.36	142.63	160.99
Total Assets	76.12	62.43	191.17	227.12	270.61	256.32	234.10	261.34	152.06	152.37	142.64	161.00

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-24.10	15.98	-127.18	-30.44	-28.40	30.68	11.76	-46.38	113.49	1.38	16.82	-25.27
	0.39	0.06	0.26	-0.26	-0.30	0.30	4.05	-0.00	-0.00	-0.00	-0.00	-0.00
	23.78	-16.18	127.17	29.96	28.92	-31.28	-15.79	46.34	-111.66	1.97	-14.26	20.14
Net Cash Flow	0.07	-0.14	0.26	-0.75	0.21	-0.29	0.03	-0.04	1.83	3.35	2.56	-5.13
Free Cash Flow	-24.07	15.98	-127.03	-30.44	-28.40	30.68	15.81	-46.38	113.49	1.38	16.82	-25.27
CFO/OP	-279%	232%	-1,627%	-111%	-92%	110%	118%	-542%	666%	22%	117%	-159%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days	11.99	12.31	4.39	1.14	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00
Inventory Days
Days Payable
Cash Conversion Cycle	11.99	12.31	4.39	1.14	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00
Working Capital Days	987.90	1,141.47	1,139.62	521.59	67.70	-14.14	-204.24	-31.31	-54.03	0.48	-8.29	192.66
ROCE %	5.89%	4.45%	6.56%	12.41%	11.95%	13.11%	5.40%	3.76%	9.18%	9.43%	11.76%	10.57%

Insights

In beta

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Gross Loans and Advances
INR Lakhs

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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

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	70.24%	70.24%	70.24%	70.24%	70.24%	70.25%	70.25%	70.25%	70.25%	70.25%	70.25%	70.25%
	29.76%	29.75%	29.75%	29.75%	29.75%	29.75%	29.75%	29.75%	29.75%	29.74%	29.76%	29.75%
No. of Shareholders	3,459	3,472	3,551	3,639	3,660	3,705	3,812	3,842	3,883	3,963	4,000	4,008

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	57.04%	60.29%	65.26%	70.24%	70.24%	70.24%	70.24%	70.24%	70.25%	70.25%
	42.96%	39.71%	34.74%	29.76%	29.76%	29.76%	29.76%	29.75%	29.75%	29.75%
No. of Shareholders	3,487	3,472	3,447	3,457	3,477	3,484	3,455	3,639	3,842	4,008

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Sainik Finance & Industries Ltd

Sainik Finance & Industries Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports