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INVESTMENT INSIGHTS

Check Before You Invest : Sainik Finance & Industries Ltd

BSE: 530265 NSE: ISIN: INE584B01013
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Sainik Finance & Industries Ltd belong to?
Sainik Finance & Industries Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is Sainik Finance & Industries Ltd a good quality company?
Sainik Finance & Industries Ltd is a quality company, based on a 10-year financial track record.
Q.3 Is Sainik Finance & Industries Ltd undervalued or overvalued?
Sainik Finance & Industries Ltd appears Fair, as its key valuation ratios are in line with their past averages.
Q.4 Is Sainik Finance & Industries Ltd a good buy now?
Sainik Finance & Industries Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of Sainik Finance & Industries Ltd?
Sainik Finance & Industries Ltd Operating Income growth is 9.31% for FY-2025, which is above its 5-year CAGR of -13.3%, indicating faster growth.
Q.2 Return on Assets of Sainik Finance & Industries Ltd?
Sainik Finance & Industries Ltd Return on Asset is 4.2%, which is above its 5-year historical median of 1.3%, indicating improved earnings on assets.
Current Level 5-year
Historic Median
NPM% 37.05 -0.49
PPOP% 52.32 -57.7
RoA% 4.2 1.3
Q.3 Return on Equity (ROE) of Sainik Finance & Industries Ltd?
Sainik Finance & Industries Ltd Return on Equity is 15.1% for FY-2025, which is above its 5-year historical median of -0.3%, indicating the business is making better use of its shareholders capital.
Q.4 Pre-provisioning operating profit margin of Sainik Finance & Industries Ltd?
Sainik Finance & Industries Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 52.32% for FY-2025, which is above its 5-year median(-57.7%), indicating increasing margins.
Q.5 Net Profit Margin of Sainik Finance & Industries Ltd?
Sainik Finance & Industries Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 37.05% for FY-2025, which is above its 5-year median( -0.49%), indicating increasing margins.
Q.6 Total Asset growth of Sainik Finance & Industries Ltd?
Sainik Finance & Industries Ltd Total Asset growth is -6.42% for FY-2025, which is above its 5-year CAGR of -11.14%, indicating faster growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Sainik Finance & Industries Ltd?
Promoters hold 70.25% of the Sainik Finance & Industries Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Sainik Finance & Industries Ltd vs Industry Peers?
Sainik Finance & Industries Ltd AUM CAGR is -11.14%, compared to the 5-year industry median CAGR of 9.9%, indicating slower growth and losing its market share.
Q.2 Profit metrics (NPM, PPOP, RoA) of Sainik Finance & Industries Ltd vs industry peers
Sainik Finance & Industries Ltd profit metrics are in line with the industry median level of 7.31%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM% 37.05 15.95
PPOP% 52.32 4.54
RoA% 4.2 1.45
Q.3 Operating efficiency of Sainik Finance & Industries Ltd vs industry peers?
Sainik Finance & Industries Ltd ROCE (9.2) is above the industry median of (4.4); while the current ROE (-0.3) are below than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the middle quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM% 37.05 15.95
PPOP% 52.32 4.54
RoA% 4.2 1.45
ROCE% 11.8 4.4
ROE% 15.1 2.7

Valuation & price assessment

Q.1 Stock return of Sainik Finance & Industries Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 5.6% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price
CAGR		 5.6% 15.2% 16% 6.9%
Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 8.04 10.84 28.96
Price to Book 0.95 0.96 1.11
Price to Sales 2.58 2.44 9.10
EV to EBITDA 10.16 11.94 11.77
Q.4 Valuation ratios of Sainik Finance & Industries Ltdvs historical and industry averages?
The current Price to book ratio (P/B) 0.95% is lower than its historical median of 0.96%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?
Sainik Finance & Industries Ltd return on invested capital (ROIC) is 9.6% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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