Saraswati Commercial (India) Ltd
₹ 10,307
3.61%
25 Sep
- close price
About
Incorporated in 1983, Saraswati Commercial (India) Ltd deals in shares and securities & lending[1]
Key Points
- Market Cap ₹ 1,130 Cr.
- Current Price ₹ 10,307
- High / Low ₹ 14,800 / 8,650
- Stock P/E 8.54
- Book Value ₹ 9,967
- Dividend Yield 0.00 %
- ROCE 11.0 %
- ROE 9.00 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Stock is trading at 1.03 times its book value
- Company is expected to give good quarter
- Company has delivered good profit growth of 34.0% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 10.4% 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
Standalone Figures in Rs. Crores / View Consolidated
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 99 | 19 | 11 | 16 | 9 | 1 | 28 | 87 | 24 | 128 | 75 | 121 | 165 | |
| Interest | 5 | 4 | 3 | 0 | 0 | 0 | 2 | 1 | 2 | 2 | 2 | 3 | 2 |
| 87 | 1 | 3 | 2 | 2 | 14 | 2 | 2 | 3 | 3 | 5 | 6 | 5 | |
| Financing Profit | 8 | 14 | 5 | 14 | 7 | -13 | 25 | 84 | 19 | 123 | 69 | 112 | 158 |
| Financing Margin % | 8% | 73% | 48% | 84% | 80% | -959% | 89% | 96% | 80% | 96% | 91% | 93% | 95% |
| 1 | 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 | 8 | 14 | 5 | 14 | 7 | -13 | 25 | 84 | 19 | 123 | 69 | 112 | 158 |
| Tax % | 18% | 0% | -2% | -17% | 10% | -26% | 14% | 22% | 39% | 16% | 22% | 18% | |
| 7 | 14 | 5 | 16 | 7 | -10 | 21 | 65 | 12 | 104 | 53 | 92 | 132 | |
| EPS in Rs | 159.56 | 66.64 | -96.01 | 213.21 | 629.96 | 113.21 | 1,008.93 | 487.36 | 842.32 | 1,207.13 | |||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 20% |
| 5 Years: | 34% |
| 3 Years: | 72% |
| TTM: | 327% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 21% |
| 5 Years: | 34% |
| 3 Years: | 99% |
| TTM: | 439% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 41% |
| 3 Years: | 53% |
| 1 Year: | -17% |
| Return on Equity | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 10% |
| 3 Years: | 10% |
| Last Year: | 9% |
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 | 0.64 | 0.64 | 0.64 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 21 | 35 | 115 | 128 | 135 | 155 | 275 | 421 | 432 | 689 | 958 | 1,091 |
| Borrowing | 32 | 42 | 8 | 32 | 0 | 10 | 5 | 28 | 22 | 0 | 43 | 0 |
| 6 | 5 | 9 | 1 | 0 | 0 | 12 | 30 | 26 | 67 | 91 | 108 | |
| Total Liabilities | 59 | 82 | 133 | 162 | 137 | 166 | 293 | 480 | 482 | 758 | 1,093 | 1,201 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 44 | 51 | 97 | 119 | 117 | 135 | 286 | 465 | 480 | 749 | 1,069 | 1,080 |
| 16 | 32 | 36 | 42 | 20 | 31 | 7 | 14 | 2 | 8 | 25 | 121 | |
| Total Assets | 59 | 82 | 133 | 162 | 137 | 166 | 293 | 480 | 482 | 758 | 1,093 | 1,201 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -5 | -16 | -23 | -6 | -16 | -18 | -5 | 50 | 27 | 33 | 9 | ||
| 10 | 20 | 27 | 8 | 16 | 16 | 4 | -81 | -22 | -7 | -108 | ||
| -5 | -4 | -3 | -3 | -0 | 9 | -7 | 33 | -7 | -24 | 120 | ||
| Net Cash Flow | -0 | 0 | 2 | -1 | -0 | 7 | -7 | 2 | -2 | 2 | 20 | |
| Free Cash Flow | -5 | -16 | -23 | -6 | -16 | -18 | -5 | 50 | 27 | 33 | 9 | |
| CFO/OP | -31% | -79% | -282% | -35% | -199% | 136% | -19% | 68% | 186% | 36% | 33% |
Ratios
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 36% | 49% | 7% | 13% | 5% | -7% | 10% | 19% | 3% | 18% | 6% | 9% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Number of Permanent Employees count |
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| Number of Subsidiaries count |
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| Total Investment Portfolio Rs. Lakhs |
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| Loan Book (Total Advances) Rs. Lakhs |
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| Quoted Investments Rs. Lakhs |
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| Unquoted Investments Rs. Lakhs |
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Documents
Announcements
-
Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
- AGM voting results and scrutinizer report disclosed for 24 September 2026 AGM.
- Closure of Trading Window
-
Announcement under Regulation 30 (LODR)-Change in Directorate
- AGM approved reappointment of Vallabh Prasad Biyani as independent director for five years from 11 February 2027.
- Shareholder Meeting / Postal Ballot-Outcome of AGM
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
- Newspaper Publication of Notice of 43rd Annual General Meeting & details of E- Voting of Saraswati Commercial (India) Limited.
Annual reports
-
Annual Report 2026
from bse
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Annual Report 2025
from bse
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Annual Report 2024
from bse
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Annual Report 2023
from bse
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Annual Report 2022
from bse
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Annual Report 2021
from bse
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Annual Report 2020
from bse
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Annual Report 2019
from bse
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Annual Report 2018
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Annual Report 2017
from bse
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Annual Report 2016
from bse
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Annual Report 2015
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Annual Report 2014
from bse
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Annual Report 2013
from bse
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Annual Report 2012
from bse
Business Overview:[1][2][3]
SCIL is a Systemically Important Non
deposit-taking Non-Banking Financial
Company registered with RBI under the category of Investment and Credit Company.
It is in the business of investment in shares
and securities and lending activities. Company is identified for categorization as NBFC -Middle Layer under Scale Based Regulation, as the asset size of the company together with other NBFCs in a group is 1000+ crores.