Sonal Mercantile Ltd

AI
Sonal Mercantile Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
AI

Sonal Mercantile Ltd

₹ 82.0 -4.56%
23 Oct - close price
sonalmercantile.in BSE: 538943 NSE: SONAL
About

Incorporated in 1985, Sonal Mercantile Ltd is an NBFC which provides short term and long term finance

Key Points

Business Overview:[1]
SML is engaged in providing loans and
advances to individuals and corporates, including inter-corporate loans, personal
loans, long-term and short-term loans, trade financing, bill discounting, project appraisal,
and loans against guarantees and properties. The company is also engaged in trading of shares and securities, along with arbitrage activities in the stock and commodity markets.

Website BSE NSE
  • Market Cap ₹ 121 Cr.
  • Current Price ₹ 82.0
  • High / Low ₹ 153 / 70.2
  • Stock P/E 12.0
  • Book Value ₹ 48.3
  • Dividend Yield 0.00 %
  • ROCE 11.4 %
  • ROE 16.8 %
  • Face Value ₹ 10.0
Edit ratios

Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding is low: 24.9%

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Edit Columns
Loading peers table ...

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
9.64 10.05 9.36 10.26 9.43 9.07 8.23 8.56 9.34 9.79 8.26 13.37 5.20
Interest 6.09 6.37 5.83 5.01 5.76 5.48 4.80 4.72 6.05 6.32 5.86 5.74 4.00
0.09 0.15 -0.05 0.14 0.08 0.03 0.23 0.12 0.22 0.33 0.51 0.21 0.36
Financing Profit 3.46 3.53 3.58 5.11 3.59 3.56 3.20 3.72 3.07 3.14 1.89 7.42 0.84
Financing Margin % 35.89% 35.12% 38.25% 49.81% 38.07% 39.25% 38.88% 43.46% 32.87% 32.07% 22.88% 55.50% 16.15%
0.00 0.00 0.00 0.02 0.00 0.00 0.00 -0.08 0.00 0.00 0.00 0.00 0.39
Depreciation 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.00
Profit before tax 3.45 3.52 3.57 5.12 3.58 3.55 3.19 3.63 3.06 3.13 1.88 7.41 1.23
Tax % 25.22% 25.00% 25.21% 25.20% 25.14% 25.35% 26.33% 25.34% 25.16% 26.52% 29.79% 25.24% 25.20%
2.58 2.63 2.67 3.82 2.69 2.65 2.36 2.71 2.29 2.31 1.33 5.54 0.91
EPS in Rs 1.75 1.78 1.81 2.59 1.83 1.80 1.60 1.84 1.55 1.57 0.90 3.76 0.62
Gross NPA %
Net NPA %
Raw PDF

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 TTM
2 2 3 3 4 13 19 21 26 39 35 41 37
Interest 0 0 0 0 2 9 11 12 15 23 21 24 22
2 2 2 3 1 1 1 1 1 1 1 1 1
Financing Profit 0 0 0 0 1 3 6 8 11 16 14 16 13
Financing Margin % 6% 7% 6% 8% 23% 20% 34% 39% 40% 40% 39% 38% 36%
0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 0 0 0 0 1 3 6 8 11 16 14 15 14
Tax % 33% 45% 33% 25% 25% 25% 25% 26% 25% 25% 26% 26%
0 0 0 0 1 2 5 6 8 12 10 11 10
EPS in Rs 0.02 0.04 0.05 0.09 0.47 1.35 3.13 4.13 5.33 7.95 7.06 7.78 6.85
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 33%
5 Years: 17%
3 Years: 15%
TTM: 4%
Compounded Profit Growth
10 Years: 69%
5 Years: 20%
3 Years: 13%
TTM: 1%
Stock Price CAGR
10 Years: 26%
5 Years: 24%
3 Years: -1%
1 Year: -14%
Return on Equity
10 Years: 15%
5 Years: 19%
3 Years: 19%
Last Year: 17%

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 15 15 15 15 15 15 15 15 15 15 15 15
Reserves 7 7 7 8 8 10 15 21 29 40 51 56
Borrowing 0 0 0 0 67 134 138 159 304 291 257 295
0 0 0 0 0 8 26 17 15 16 16 17
Total Liabilities 22 23 23 22 90 167 193 211 362 362 339 382
0 0 0 0 0 0 0 0 0 6 6 5
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 4 8 8 6 0 1 12
22 22 23 22 90 163 185 203 355 355 332 365
Total Assets 22 23 23 22 90 167 193 211 362 362 339 382

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
0 -0 0 -0 -59 -59 0 -21 -1 0 1 17
0 0 -0 0 0 -4 -4 -0 1 -0 -0 -18
-0 0 0 0 65 58 3 21 0 0 0 0
Net Cash Flow 0 -0 0 -0 6 -6 -0 0 0 0 1 -1
Free Cash Flow 0 -0 0 -0 -59 -59 0 -21 -1 0 1 17

Ratios

Standalone / 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
ROE % 0% 0% 0% 1% 3% 8% 17% 19% 20% 24% 17% 17%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Loan Book
₹ thousands

Log in to view insights

Please log in to see hidden values.

Login
Number of Shareholders
count
Promoter and Promoter Group Holding
%
Impairment Loss Allowance on Loans
₹ thousands
Number of Permanent Employees
count
Borrowings from Related Parties
₹ thousands
Capital to Risk-Weighted Assets Ratio (CRAR) - Standalone
%
Capital to Risk-Weighted Assets Ratio (CRAR) - Consolidated
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
24.92% 24.92% 24.92% 24.92% 24.92% 24.92% 24.92% 24.92% 24.92% 24.92% 24.92% 24.92%
75.09% 75.09% 75.08% 75.09% 75.09% 75.09% 75.10% 75.08% 75.09% 75.09% 75.08% 75.09%
No. of Shareholders 1,9401,9431,8802,0792,1222,1082,0742,0261,8901,8161,7821,802

Documents

Announcements

Annual reports