S I Capital & Financial Services Ltd

S I Cap. & Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

S I Capital & Financial Services Ltd

₹ 38.0 -2.56%
09 Mar - close price
sicapital.co.in BSE: 530907
About

Incorporated in 1994, SI Capital & Financial Services Ltd is a Full-Fledged Money Changer[1]

Key Points

Business Overview:[1][2]
SICFSL is registered as a Non-Systemically Important Non-Banking Financial Company
and a Full-Fledged Money Changer. The co.
has a diversified lending portfolio covering
the retail and commercial customers.

Website BSE
  • Market Cap ₹ 19.2 Cr.
  • Current Price ₹ 38.0
  • High / Low ₹ 47.2 / 25.3
  • Stock P/E 41.7
  • Book Value ₹ 11.5
  • Dividend Yield 0.00 %
  • ROCE 8.26 %
  • ROE 4.15 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 3.31 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding is low: 39.5%
  • Company has a low return on equity of -6.43% over last 3 years.
  • Promoter holding has decreased over last 3 years: -13.8%

* 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

Services Services Commercial Services & Supplies Diversified Commercial Services

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Quarterly Results

Figures in Rs. Crores

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
0.27 0.29 0.33 0.40 0.48 0.51 0.54 0.60 0.64 0.78 0.85 0.91 0.93
0.22 0.29 0.44 0.40 0.52 0.55 0.64 0.37 0.31 0.32 0.45 0.61 0.80
Operating Profit 0.05 0.00 -0.11 0.00 -0.04 -0.04 -0.10 0.23 0.33 0.46 0.40 0.30 0.13
OPM % 18.52% 0.00% -33.33% 0.00% -8.33% -7.84% -18.52% 38.33% 51.56% 58.97% 47.06% 32.97% 13.98%
0.00 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.01 0.00 0.01 0.00
Interest 0.03 0.05 0.08 0.10 0.14 0.17 0.19 0.19 0.18 0.19 0.19 0.19 0.22
Depreciation 0.01 0.01 0.01 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.01 0.01 0.02
Profit before tax 0.01 -0.05 -0.19 -0.11 -0.19 -0.22 -0.30 0.04 0.15 0.26 0.20 0.11 -0.11
Tax % 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%
0.01 -0.05 -0.19 -0.11 -0.19 -0.22 -0.29 0.05 0.16 0.26 0.20 0.11 -0.11
EPS in Rs 0.03 -0.15 -0.56 -0.32 -0.53 -0.61 -0.64 0.11 0.36 0.54 0.41 0.22 -0.22
Raw PDF

Profit & Loss

Figures in Rs. Crores

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
0.24 0.30 0.23 0.18 0.14 0.33 0.34 0.36 0.59 0.91 1.73 2.56 3.47
0.19 0.25 0.54 0.32 0.62 0.39 0.38 0.68 0.58 1.06 1.92 1.64 2.18
Operating Profit 0.05 0.05 -0.31 -0.14 -0.48 -0.06 -0.04 -0.32 0.01 -0.15 -0.19 0.92 1.29
OPM % 20.83% 16.67% -134.78% -77.78% -342.86% -18.18% -11.76% -88.89% 1.69% -16.48% -10.98% 35.94% 37.18%
0.00 -0.02 -0.10 0.06 1.24 0.01 0.00 0.00 0.00 0.21 0.04 0.06 0.02
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.04 0.10 0.13 0.50 0.74 0.79
Depreciation 0.02 0.03 0.02 0.03 0.02 0.02 0.01 0.04 0.03 0.03 0.07 0.06 0.06
Profit before tax 0.03 0.00 -0.43 -0.11 0.74 -0.07 -0.06 -0.40 -0.12 -0.10 -0.72 0.18 0.46
Tax % 33.33% 0.00% 0.00% 20.27% 0.00% 16.67% 0.00% 0.00% 0.00% 0.00% 0.00%
0.02 -0.01 -0.43 -0.10 0.59 -0.07 -0.06 -0.40 -0.13 -0.10 -0.72 0.17 0.46
EPS in Rs 0.07 -0.03 -1.43 -0.33 1.97 -0.23 -0.20 -1.33 -0.43 -0.29 -2.00 0.35 0.95
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: 24%
5 Years: 50%
3 Years: 63%
TTM: 52%
Compounded Profit Growth
10 Years: 33%
5 Years: 37%
3 Years: 49%
TTM: 253%
Stock Price CAGR
10 Years: %
5 Years: 12%
3 Years: 0%
1 Year: -22%
Return on Equity
10 Years: -8%
5 Years: -8%
3 Years: -6%
Last Year: 4%

Balance Sheet

Figures in Rs. Crores

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 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.40 3.60 4.85 5.05
Reserves -0.31 -0.32 -0.75 -0.85 -0.09 -0.19 -0.25 -0.45 -0.53 -0.10 -0.64 0.39 0.75
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.81 0.97 2.31 6.79 7.29 6.23
0.21 0.06 0.06 0.06 0.22 0.08 0.09 0.10 0.10 0.38 0.45 0.61 0.41
Total Liabilities 2.90 2.74 2.31 2.21 3.13 2.89 2.84 3.46 3.54 5.99 10.20 13.14 12.44
0.83 0.74 0.78 0.80 0.05 0.01 0.04 0.13 0.10 0.15 0.19 0.14 0.13
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 0.84 0.81 0.93 0.61 2.11 0.65 1.01 0.01 0.33 0.00 0.01 0.01 0.01
1.23 1.19 0.60 0.80 0.97 2.23 1.79 3.32 3.11 5.84 10.00 12.99 12.30
Total Assets 2.90 2.74 2.31 2.21 3.13 2.89 2.84 3.46 3.54 5.99 10.20 13.14 12.44

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-0.16 -0.27 0.23 -0.40 -0.60 -0.61 -0.35 -1.94 -0.40 -2.70 -4.59 -1.88
-0.19 0.30 -0.12 0.40 0.71 1.73 -0.24 0.91 -0.23 0.24 -0.12 -0.01
0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.01 0.17 2.46 4.87 2.60
Net Cash Flow -0.35 0.02 0.11 0.01 0.11 1.12 -0.59 -0.02 -0.47 0.01 0.15 0.72

Ratios

Figures in Rs. Crores

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 380.21 304.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 380.21 304.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 1,216.67 1,095.00 333.26 811.11 782.14 88.48 32.21 40.56 0.00 -72.20 -48.53 -54.18
ROCE % 1.11% 0.74% -13.39% -7.27% -19.76% -2.80% -1.80% -11.78% -0.59% 0.66% -2.86% 8.26%

Insights

In beta
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Total Employees
Number

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Gross Assets Under Management (AUM)
INR Lakhs
Branch Count
Number
Gross NPA Ratio
%
Forex Turnover (Sales of Foreign Currency)
INR Lakhs

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
53.64% 54.16% 54.16% 51.20% 51.21% 40.96% 40.96% 40.96% 41.10% 41.10% 39.47% 39.47%
0.27% 0.27% 0.27% 0.26% 0.26% 0.20% 0.20% 0.20% 0.19% 0.19% 0.18% 0.18%
46.10% 45.57% 45.57% 48.56% 48.54% 58.82% 58.83% 58.82% 58.70% 58.70% 60.35% 60.35%
No. of Shareholders 1,6651,6611,6601,6711,7061,6971,6981,6891,6901,7381,7411,755

* 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

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