Sumedha Fiscal Services Ltd

Sumedha Fiscal Services is a front ranking financial services Company.

  • Market Cap: 12.77 Cr.
  • Current Price: 16.00
  • 52 weeks High / Low 24.95 / 12.20
  • Book Value: 45.54
  • Stock P/E:
  • Dividend Yield: 6.25 %
  • ROCE: 14.04 %
  • ROE: 10.52 %
  • Sales Growth (3Yrs): 16.58 %
  • Listed on BSE
  • Company Website
  • Face Value: 10.00
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Pros:
Company has reduced debt.
Company is virtually debt free.
Stock is trading at 0.35 times its book value
Stock is providing a good dividend yield of 6.25%.
Company has been maintaining a healthy dividend payout of 21.42%
Cons:
Company has low interest coverage ratio.
Company has a low return on equity of 10.30% for last 3 years.
Company's cost of borrowing seems high

Peer comparison Sector: Finance // Industry: Finance & Investments

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Quarterly Results Standalone Figures in Rs. Crores / View Consolidated

Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020
4.50 4.63 5.42 6.13 4.43 4.00 4.85 5.27 4.23 5.03 5.32 4.88
2.98 3.55 3.68 6.44 3.83 3.20 3.34 2.10 3.95 4.20 3.19 11.40
Operating Profit 1.52 1.08 1.74 -0.31 0.60 0.80 1.51 3.17 0.28 0.83 2.13 -6.52
OPM % 33.78% 23.33% 32.10% -5.06% 13.54% 20.00% 31.13% 60.15% 6.62% 16.50% 40.04% -133.61%
0.60 0.85 0.15 -0.64 0.00 0.01 0.00 0.00 0.00 0.01 0.01 0.00
Interest 0.00 0.01 0.00 0.04 0.01 0.02 0.01 0.02 0.00 0.00 0.00 0.09
Depreciation 0.11 0.12 0.13 0.14 0.13 0.13 0.13 0.13 0.13 0.13 0.14 0.14
Profit before tax 2.01 1.80 1.76 -1.13 0.46 0.66 1.37 3.02 0.15 0.71 2.00 -6.75
Tax % 24.88% 17.78% 9.09% 4.42% 23.91% 10.61% 23.36% 28.48% 66.67% 15.49% 30.50% 11.26%
Net Profit 1.51 1.48 1.61 -1.08 0.36 0.58 1.05 2.16 0.05 0.60 1.39 -5.99
EPS in Rs 1.89 1.86 2.01 -1.35 0.45 0.73 1.31 2.71 0.06 0.75 1.75 -7.50
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
7.75 8.94 14.00 13.08 11.66 12.48 13.80 18.02 11.69 16.22 21.58 18.52 19.46
4.66 5.32 6.37 6.70 9.27 9.92 8.51 13.65 9.72 11.36 16.59 12.47 22.74
Operating Profit 3.09 3.62 7.63 6.38 2.39 2.56 5.29 4.37 1.97 4.86 4.99 6.05 -3.28
OPM % 39.87% 40.49% 54.50% 48.78% 20.50% 20.51% 38.33% 24.25% 16.85% 29.96% 23.12% 32.67% -16.86%
-0.04 0.26 0.03 0.14 2.86 0.21 0.00 0.04 0.05 0.75 0.02 0.05 0.02
Interest 0.06 0.05 0.01 0.18 0.13 0.05 0.05 0.04 0.01 0.06 0.06 0.07 0.09
Depreciation 0.23 0.27 0.27 0.37 0.41 0.40 0.39 0.75 0.48 0.44 0.50 0.53 0.54
Profit before tax 2.76 3.56 7.38 5.97 4.71 2.32 4.85 3.62 1.53 5.11 4.45 5.50 -3.89
Tax % 34.78% 37.92% 33.47% 31.16% 27.18% 34.48% 28.87% 31.49% 37.91% 30.33% 20.67% 24.73%
Net Profit 1.80 2.21 4.91 4.11 3.43 1.51 3.44 2.48 0.96 3.56 3.53 4.15 -3.95
EPS in Rs 3.13 7.07 5.87 4.17 1.90 4.31 2.95 1.20 4.46 4.42 5.20 -4.94
Dividend Payout % 25.82% 22.98% 11.11% 13.33% 18.61% 26.42% 18.56% 25.74% 41.56% 22.42% 22.61% 19.23%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:7.55%
5 Years:6.06%
3 Years:16.58%
TTM:4.91%
Compounded Profit Growth
10 Years:6.85%
5 Years:3.76%
3 Years:62.90%
TTM:-195.18%
Stock Price CAGR
10 Years:-4.72%
5 Years:1.31%
3 Years:-22.03%
1 Year:-11.85%
Return on Equity
10 Years:11.61%
5 Years:8.64%
3 Years:10.30%
Last Year:10.52%

Balance Sheet Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
6.64 6.77 6.82 6.85 7.98 7.98 7.98 7.98 7.98 7.98 7.98 7.98 7.98
Reserves 2.80 4.52 8.80 12.27 17.34 18.39 21.08 22.79 23.27 27.29 29.89 33.08 28.38
Borrowings 0.37 0.13 0.15 5.07 0.54 0.43 0.47 0.08 0.10 0.04 0.24 0.19 0.14
5.34 4.41 3.87 3.34 3.65 2.74 4.08 3.41 3.30 3.44 3.18 2.00 2.72
Total Liabilities 15.15 15.83 19.64 27.53 29.51 29.54 33.61 34.26 34.65 38.75 41.29 43.25 39.22
4.59 4.44 4.82 9.93 9.39 9.23 8.99 8.36 8.16 8.24 9.58 9.22 11.04
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 1.57 2.34 6.26 2.81 5.39 5.07 5.49 5.94 5.42 8.00 10.18 9.35 8.66
8.99 9.05 8.56 14.79 14.73 15.24 19.13 19.96 21.07 22.51 21.53 24.68 19.52
Total Assets 15.15 15.83 19.64 27.53 29.51 29.54 33.61 34.26 34.65 38.75 41.29 43.25 39.22

Cash Flows Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
2.17 1.34 5.52 -0.55 1.72 -0.01 0.16 3.83 -0.72 4.05 3.88 3.04
0.02 -0.97 -4.20 -2.16 -0.87 0.66 -0.01 -0.54 0.86 -1.11 -3.16 3.28
-0.43 -0.57 -0.57 3.71 -1.33 -0.90 -0.40 -1.07 -0.47 -0.54 -0.80 -1.04
Net Cash Flow 1.76 -0.20 0.75 1.00 -0.48 -0.25 -0.25 2.21 -0.33 2.40 -0.08 5.28

Ratios Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROCE % 31.30% 32.88% 54.36% 30.78% 19.34% 9.12% 17.47% 12.12% 4.92% 15.48% 12.39% 14.04%
Debtor Days 170.49 134.73 42.24 68.93 81.70 67.56 141.77 73.53 186.40 112.97 87.44 77.45
Inventory Turnover 0.17 0.19 0.13 0.08 0.81 1.44 0.23 1.41 0.62 0.54 1.74 0.63

Shareholding pattern in percentages

Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020
49.57 49.57 49.57 49.57 49.57 49.57 49.57 49.57 49.57 49.57 49.57 49.57
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.09 0.00
0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09
50.34 50.34 50.34 50.34 50.34 50.34 50.34 50.34 50.34 50.34 50.25 50.34

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