Sonal Mercantile Ltd
₹ 82.0
-4.56%
23 Oct
- close price
About
Incorporated in 1985, Sonal Mercantile Ltd is an NBFC which provides short term and long term finance
Key Points
- Market Cap ₹ 121 Cr.
- Current Price ₹ 82.0
- High / Low ₹ 153 / 70.2
- Stock P/E 6.08
- Book Value ₹ 262
- Dividend Yield 0.00 %
- ROCE 6.09 %
- ROE 6.91 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.31 times its book value
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%
- Company has a low return on equity of 8.14% over last 3 years.
* 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.
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Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| 4 | 13 | 19 | 21 | 26 | 39 | 35 | 41 | 37 | |
| Interest | 2 | 9 | 11 | 12 | 15 | 23 | 21 | 24 | 22 |
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| Financing Profit | 1 | 3 | 6 | 8 | 10 | 16 | 14 | 16 | 14 |
| Financing Margin % | 23% | 20% | 34% | 39% | 40% | 40% | 40% | 38% | 38% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1 | 3 | 6 | 8 | 11 | 16 | 14 | 15 | 14 |
| Tax % | 25% | 25% | 25% | 26% | 25% | 25% | 26% | 26% | |
| 5 | 6 | 14 | 17 | 18 | 24 | 32 | 26 | 20 | |
| EPS in Rs | 3.15 | 4.41 | 9.65 | 11.55 | 12.21 | 16.42 | 21.93 | 17.42 | 13.49 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 17% |
| 3 Years: | 16% |
| TTM: | 4% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 13% |
| 3 Years: | 13% |
| TTM: | -40% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 26% |
| 5 Years: | 24% |
| 3 Years: | -1% |
| 1 Year: | -14% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 8% |
| 3 Years: | 8% |
| Last Year: | 7% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| 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 |
| Reserves | 161 | 170 | 202 | 233 | 275 | 299 | 343 | 371 |
| Borrowing | 67 | 134 | 138 | 159 | 304 | 291 | 257 | 295 |
| 0 | 8 | 26 | 17 | 15 | 16 | 16 | 17 | |
| Total Liabilities | 244 | 327 | 381 | 423 | 608 | 621 | 632 | 697 |
| 0 | 0 | 0 | 0 | 0 | 6 | 6 | 5 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 153 | 164 | 195 | 220 | 253 | 259 | 293 | 326 |
| 90 | 163 | 185 | 203 | 355 | 355 | 332 | 365 | |
| Total Assets | 244 | 327 | 381 | 423 | 608 | 621 | 632 | 697 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| -59 | -59 | 0 | -21 | -1 | 0 | 1 | 17 | |
| 0 | -4 | -4 | -0 | 1 | -0 | -0 | -18 | |
| 65 | 58 | 3 | 21 | 0 | 0 | 0 | 0 | |
| Net Cash Flow | 6 | -6 | -0 | 0 | 0 | 0 | 1 | -1 |
| Free Cash Flow | -59 | -59 | 0 | -21 | -1 | 0 | 1 | 17 |
Ratios
Consolidated / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROE % | 3% | 4% | 7% | 7% | 7% | 8% | 10% | 7% |
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 ・Standalone data |
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| Number of Shareholders count ・Standalone data |
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| Promoter and Promoter Group Holding % ・Standalone data |
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| Impairment Loss Allowance on Loans ₹ thousands ・Standalone data |
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| Number of Permanent Employees count ・Standalone data |
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| Borrowings from Related Parties ₹ thousands ・Standalone data |
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| Capital to Risk-Weighted Assets Ratio (CRAR) - Standalone % ・Standalone data |
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| Capital to Risk-Weighted Assets Ratio (CRAR) - Consolidated % |
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Documents
Announcements
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
- Enclosed Certificate under Regulation 74 (5) of the SEBI (Depositories and Participants) Regulation, 2018 for quarter ended September 30, 2026.
-
Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
- Sonal Mercantile disclosed 41st AGM voting results on audited FY26 statements, director reappointment, and related party transaction approval.
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Shareholder Meeting / Postal Ballot-Outcome of AGM
- 41st AGM held Sept 30, 2026; approved audited results, Mr. Rajan Goyal reappointment, and Rs.250 crore RPT limit.
- Closure of Trading Window
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
- Enclosed Notice of 41st AGM of the company scheduled to be held on wednesday 30th september, 2026 at 11.00 am through VC/OAVM
Annual reports
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Annual Report 2026
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Annual Report 2025
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
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Annual Report 2020
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Annual Report 2019
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
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Annual Report 2015
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Annual Report 2014
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Annual Report 2013
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Annual Report 2012
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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.