S I Capital & Financial Services Ltd

₹ 29.0 -1.36%

02 Jun - close price

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 ₹ 14.6 Cr.
Current Price ₹ 29.0
High / Low ₹ 46.0 / 23.0
Stock P/E 44.4
Book Value ₹ 11.5
Dividend Yield 0.00 %
ROCE %
ROE %
Face Value ₹ 10.0

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Pros

Cons

Stock is trading at 2.53 times its book value
Though the company is reporting repeated profits, it is not paying out dividend
Company has low interest coverage ratio.
Promoter holding is low: 39.5%
Promoter holding has decreased over last 3 years: -14.2%

* 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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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	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
	0.29	0.33	0.40	0.48	0.51	0.54	0.60	0.64	0.78	0.85	0.91	0.93	1.02
	0.29	0.44	0.40	0.52	0.55	0.64	0.37	0.31	0.32	0.45	0.61	0.80	0.66
Operating Profit	0.00	-0.11	0.00	-0.04	-0.04	-0.10	0.23	0.33	0.46	0.40	0.30	0.13	0.36
OPM %	0.00%	-33.33%	0.00%	-8.33%	-7.84%	-18.52%	38.33%	51.56%	58.97%	47.06%	32.97%	13.98%	35.29%
	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.01	0.00	0.01	0.00	0.01
Interest	0.05	0.08	0.10	0.14	0.17	0.19	0.19	0.18	0.19	0.19	0.19	0.22	0.22
Depreciation	0.01	0.01	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01	0.02	0.02
Profit before tax	-0.05	-0.19	-0.11	-0.19	-0.22	-0.30	0.04	0.15	0.26	0.20	0.11	-0.11	0.13
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%
	-0.05	-0.19	-0.11	-0.19	-0.22	-0.29	0.05	0.16	0.26	0.20	0.11	-0.11	0.13
EPS in Rs	-0.15	-0.56	-0.32	-0.53	-0.61	-0.64	0.11	0.36	0.54	0.41	0.22	-0.22	0.26
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	0.30	0.23	0.18	0.14	0.33	0.34	0.36	0.59	0.91	1.73	2.56	3.71
	0.25	0.54	0.32	0.62	0.39	0.38	0.68	0.58	1.06	1.92	1.64	2.52
Operating Profit	0.05	-0.31	-0.14	-0.48	-0.06	-0.04	-0.32	0.01	-0.15	-0.19	0.92	1.19
OPM %	16.67%	-134.78%	-77.78%	-342.86%	-18.18%	-11.76%	-88.89%	1.69%	-16.48%	-10.98%	35.94%	32.08%
	-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	0.01	0.04	0.10	0.13	0.50	0.74	0.82
Depreciation	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	0.00	-0.43	-0.11	0.74	-0.07	-0.06	-0.40	-0.12	-0.10	-0.72	0.18	0.33
Tax %		0.00%	0.00%	20.27%	0.00%	16.67%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	-0.01	-0.43	-0.10	0.59	-0.07	-0.06	-0.40	-0.13	-0.10	-0.72	0.17	0.33
EPS in Rs	-0.03	-1.43	-0.33	1.97	-0.23	-0.20	-1.33	-0.43	-0.29	-2.00	0.35	0.65
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:	32%
5 Years:	59%
3 Years:	60%
TTM:	45%

Compounded Profit Growth
10 Years:	12%
5 Years:	23%
3 Years:	74%
TTM:	94%

Stock Price CAGR
10 Years:	%
5 Years:	1%
3 Years:	-2%
1 Year:	-35%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	%
Last Year:	%

Balance Sheet

Figures in Rs. Crores

	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	3.40	3.60	4.85	5.05
Reserves	-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	0.81	0.97	2.31	6.79	7.29	6.23
	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	2.74	2.31	2.21	3.13	2.89	2.84	3.46	3.54	5.99	10.20	13.14	12.44
	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
Investments	0.81	0.93	0.61	2.11	0.65	1.01	0.01	0.33	0.00	0.01	0.01	0.01
	1.19	0.60	0.80	0.97	2.23	1.79	3.32	3.11	5.84	10.00	12.99	12.30
Total Assets	2.74	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 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-0.27	0.23	-0.40	-0.60	-0.61	-0.35	-1.94	-0.40	-2.70	-4.59	-1.88	-2.17
	0.30	-0.12	0.40	0.71	1.73	-0.24	0.91	-0.23	0.24	-0.12	-0.01	-0.08
	0.00	0.00	0.00	0.00	0.00	0.00	1.01	0.17	2.46	4.87	2.60	1.10
Net Cash Flow	0.02	0.11	0.01	0.11	1.12	-0.59	-0.02	-0.47	0.01	0.15	0.72	-1.14
Free Cash Flow	-0.23	0.17	-0.45	1.50	-0.57	-0.39	-2.07	-0.40	-2.78	-4.70	-1.89	-2.25
CFO/OP	-540%	-74%	286%	94%	1,017%	875%	606%	-4,000%	1,793%	2,411%	-205%	-183%

Ratios

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	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	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	1,095.00	333.26	811.11	782.14	88.48	32.21	40.56	0.00	-72.20	-48.53	-54.18
ROCE %	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 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Total Employees
Number

	x		x		x	xx	xx	xx	xx	xx
				x.xx	x.xx	xxx.xx	xxx.xx	xxx.xx	x,xxx.xx	x,xxx.xx
				x		x	x	x	x	x
					x.xx	x.xx	x.xx	x.xx	x.xx	x.xx
xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx

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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

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
	54.16%	54.16%	51.20%	51.21%	40.96%	40.96%	40.96%	41.10%	41.10%	39.47%	39.47%	39.47%
	0.27%	0.27%	0.26%	0.26%	0.20%	0.20%	0.20%	0.19%	0.19%	0.18%	0.18%	0.18%
	45.57%	45.57%	48.56%	48.54%	58.82%	58.83%	58.82%	58.70%	58.70%	60.35%	60.35%	60.35%
No. of Shareholders	1,661	1,660	1,671	1,706	1,697	1,698	1,689	1,690	1,738	1,741	1,755	1,776

	Dec 2015	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	59.13%	59.13%	61.00%	61.00%	60.93%	53.69%	53.69%	53.64%	51.21%	41.10%	39.47%
	0.31%	0.31%	0.31%	0.31%	0.31%	0.31%	0.31%	0.27%	0.26%	0.19%	0.18%
	40.56%	40.56%	38.70%	38.70%	38.77%	46.00%	46.00%	46.10%	48.54%	58.70%	60.35%
No. of Shareholders	1,671	1,675	1,670	1,663	1,623	1,669	1,671	1,665	1,706	1,690	1,776

* 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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S I Capital & Financial Services Ltd

S I Capital & Financial Services Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports