Check Before You Invest : Saumya Consultants Ltd

Snapshot

Q.1 Which industry/sub-sector does Saumya Consultants Ltd belong to?

Saumya Consultants Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Saumya Consultants Ltd a good quality company?

Saumya Consultants Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Saumya Consultants Ltd undervalued or overvalued?

Saumya Consultants Ltd appears Somewhat Undervalued, as its key valuation ratios are below with their past averages.

Q.4 Is Saumya Consultants Ltd a good buy now?

Saumya Consultants 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 Saumya Consultants Ltd?

Saumya Consultants Ltd Operating Income growth is -33.87% for FY-2025, which is below its 5-year CAGR of 62.8%, indicating slower growth.

Q.2 Return on Assets of Saumya Consultants Ltd?

Saumya Consultants Ltd Return on Asset is 7.6%, which is below its 5-year historical median of 8.1%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM%	23.35	23.35
PPOP%	-67.38	-103.24
RoA%	7.6	8.1

Q.3 Return on Equity (ROE) of Saumya Consultants Ltd?

Saumya Consultants Ltd Return on Equity is 8.1% for FY-2025, which is below its 5-year historical median of 8.6%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Saumya Consultants Ltd?

Saumya Consultants Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -67.38% for FY-2025, which is above its 5-year median(-103.24%), indicating increasing margins.

Q.5 Net Profit Margin of Saumya Consultants Ltd?

Saumya Consultants 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 23.35% for FY-2025, which is in line with its 5-year median( 23.35%), indicating stable margins.

Q.6 Total Asset growth of Saumya Consultants Ltd?

Saumya Consultants Ltd Total Asset growth is 4.81% for FY-2025, which is below its 5-year CAGR of 12.08%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Saumya Consultants Ltd?

Promoters hold 54.88% of the Saumya Consultants Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Saumya Consultants Ltd vs Industry Peers?

Saumya Consultants Ltd AUM CAGR is 12.08%, compared to the 5-year industry median CAGR of 9.9%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Saumya Consultants Ltd vs industry peers

Saumya Consultants Ltd profit metrics are in line with the industry median level of 7.19%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	23.35	15.95
PPOP%	-67.38	4.17
RoA%	7.6	1.45

Q.3 Operating efficiency of Saumya Consultants Ltd vs industry peers?

Saumya Consultants Ltd ROCE (9.9) is above the industry median of (4.4); while the current ROE (8.6) are above than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	23.35	15.95
PPOP%	-67.38	4.17
RoA%	7.6	1.45
ROCE%	7.7	4.4
ROE%	8.1	2.7

Valuation & price assessment

Q.1 Stock return of Saumya Consultants Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 24.6% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	24.6%	19.4%	14.7%	-20.3%

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	-	6.82	28.96
Price to Book	0.64	0.80	1.11
Price to Sales	4.98	2.42	9.10
EV to EBITDA	-995.2	4.81	11.77

Q.4 Valuation ratios of Saumya Consultants Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.64% is lower than its historical median of 0.80%, 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?

Saumya Consultants Ltd return on invested capital (ROIC) is 8.09% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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