BSE: 511754 | NSE: | Finance - NBFC | Small Cap
Past 10 year's financial track record analysis by Moneyworks4me indicates that Shalibhadra Finance Ltd is a average quality company.
The key valuation ratios of Shalibhadra Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Shalibhadra Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 10.6 | 12.4 | 12.9 | 15.6 | 19.3 | 22.2 | 23.7 | 20.6 | 22.1 | 27.4 | 0 | |
| YoY Gr. Rt. % | - | 17.4% | 4.3% | 20.8% | 23.8% | 14.9% | 6.7% | -12.9% | 7% | 24.3% | - | |
| Adj EPS (₹ ) | 6 | 7.6 | 6.9 | 8.6 | 11.3 | 12.8 | 11.6 | 7 | 12 | 13.4 | 15.7 | |
| YoY Gr. Rt. % | - | 26.1% | -8.8% | 24.5% | 31.7% | 12.9% | -9.2% | -39.5% | 71.3% | 11.1% | - | |
| BVPS (₹ ) | 30.9 | 37.2 | 42.9 | 50.3 | 61.6 | 73.3 | 83.4 | 90.4 | 102 | 120.9 | 133.6 | |
| YoY Gr. Rt. % | - | 20.4% | 15.3% | 17.3% | 22.5% | 18.9% | 13.9% | 8.4% | 12.8% | 18.5% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 7.7 | 8.3 | 6.5 | 6.6 | 6.6 | 6.1 | 4.9 | 3 | 5.3 | 6.6 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 11.2% | 7.3% | 5% | 24.3% | ||||||||
| Adj EPS | 9.3% | 3.4% | 4.8% | 11.1% | ||||||||
| BVPS | 16.4% | 14.4% | 13.2% | 18.5% | ||||||||
| Share Price | 39.3% | 46.1% | 117.8% | 302.1% | ||||||||
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 28.5 | 30.6 | 26.8 | 27.6 | 29.4 | 28.9 | 24.5 | 17.1 | 27.3 | 30.6 | INF | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 21.1 | 22.3 | 17.3 | 18.5 | 20.3 | 19 | 14.8 | 8.1 | 12.5 | 13.2 | 11.7 | |
Return on Equity has increased versus last 3 years average to 12.40%
Total Income has increased 5.01 CAGR in last 3 years
Net Profit has increased 4.82 CAGR in last 3 years
Total income growth is not so good in last 4 quarters
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| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 15.7 | - |
| TTM Sales (₹ Cr.) | 0 | - |
| BVPS (₹.) ⓘ | 133.6 | - |
| Reserves (₹ Cr.) ⓘ | 87 | - |
| P/BV ⓘ | 4.23 | - |
| PE ⓘ | 35.89 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 124.50 / 647.90 |
| All Time Low / High (₹) | 0.65 / 647.90 |
| Market Cap (₹ Cr.) | 395 |
| Equity (₹ Cr.) | 7 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 32.2 |
| Pledged * | 11.67 | 11.67 | 11.67 | 23.34 | 21.08 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 11 | 13 | 13 | 16 | 19 | 22 | 24 | 21 | 22 | 28 |
| Interest Income | 11 | 12 | 13 | 16 | 19 | 22 | 24 | 21 | 22 | 27 |
| Other Income ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Expenditure ⓘ | 6 | 7 | 8 | 9 | 11 | 13 | 16 | 16 | 14 | 16 |
| Interest Expense ⓘ | 3 | 3 | 4 | 5 | 7 | 8 | 9 | 9 | 7 | 7 |
| Operating Expenses ⓘ | 2 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 6 |
| Provisions | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 3 | 2 | 3 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 5 | 6 | 5 | 6 | 8 | 9 | 8 | 5 | 8 | 11 |
| Taxes ⓘ | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 1 | 2 | 3 |
| Profit After Tax | 3 | 4 | 3 | 4 | 6 | 6 | 6 | 4 | 6 | 8 |
| Adjusted EPS (₹) | 6.0 | 7.6 | 6.9 | 8.6 | 11.3 | 12.8 | 11.6 | 7.0 | 12.0 | 13.4 |
| Dividend Payout Ratio (%) | 17% | 13% | 14% | 12% | 11% | 9% | 0% | 7% | 7% | 7% |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 15 | 19 | 21 | 25 | 31 | 37 | 42 | 45 | 51 | 76 |
| Share Capital ⓘ | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 |
| Reserves ⓘ | 10 | 14 | 16 | 20 | 26 | 32 | 37 | 40 | 46 | 70 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 21 | 26 | 30 | 44 | 61 | 73 | 55 | 58 | 42 | 45 |
| Current Liabilities | 5 | 5 | 4 | 5 | 4 | 5 | 26 | 9 | 17 | 13 |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short term borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 21 | 5 | 15 | 10 |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | -21 | -5 | -8 | -8 |
| Total Liabilities ⓘ | 41 | 50 | 56 | 75 | 96 | 115 | 123 | 112 | 117 | 137 |
Assets | ||||||||||
| Non Current Asset | 14 | 17 | 20 | 28 | 34 | 112 | 117 | 111 | 114 | 129 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 108 | 111 | 106 | 111 | 124 |
| Other Non Current Asset ⓘ | 14 | 17 | 20 | 28 | 34 | 4 | 7 | 4 | 3 | 5 |
| Current Asset | 27 | 33 | 36 | 47 | 63 | 3 | 5 | 1 | 3 | 7 |
| Current Investment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 27 | 33 | 36 | 47 | 63 | 3 | 5 | 1 | 3 | 7 |
| Total Assets ⓘ | 41 | 50 | 56 | 75 | 96 | 115 | 123 | 112 | 117 | 137 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 6 | 8 | 7 | 9 | 11 | 13 | 12 | 7 | 12 | 13 |
| DPS (₹) | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 1 | 1 |
| BVPS (₹) | 31 | 37 | 43 | 50 | 62 | 73 | 83 | 90 | 102 | 121 |
Performance Ratios | ||||||||||
| ROA (%) | 7.7 | 8.3 | 6.5 | 6.6 | 6.6 | 6.1 | 4.9 | 3.0 | 5.3 | 6.6 |
| ROE (%) | 21.1 | 22.3 | 17.3 | 18.5 | 20.3 | 19.0 | 14.8 | 8.1 | 12.5 | 13.2 |
| ROCE (%) | 22.3 | 22.5 | 19.5 | 18.7 | 18.6 | 17.2 | 15.4 | 12.0 | 13.7 | 15.1 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.7 | 0.8 | 1.1 | 1.5 | 2.1 | 1.2 | 0.6 | 0.6 | 1.8 | 1.1 |
Shalibhadra Finance was incorporated as a public limited company on January 16, 1992. Its registered office is at New Marine Lines, Mumbai.
SFL has 12 branches with a good dealer network and experienced staff.
Business area of the company:-
The company is engaged in capital market operations, financial advising services and syndication of funds. The company has focus in the field of vehicle finance, specially two wheeler segments. SFL is also engaged in financing of old vehicles.
Recently,the company has performed reasonably well on the vehicle finance front due to decent growth in two and three wheeler industry.
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Here is the summary:
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