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INVESTMENT INSIGHTS

Check Before You Invest : SI Capital & Financial Services Ltd

BSE: 530907 NSE: ISIN: INE417F01017
  |   Sector:  BFSI   |   Industry:  Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does SI Capital & Financial Services Ltd belong to?
SI Capital & Financial Services Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.
Q.2 Is SI Capital & Financial Services Ltd a good quality company?
SI Capital & Financial Services Ltd is a quality company, based on a 10-year financial track record.
Q.3 Is SI Capital & Financial Services Ltd undervalued or overvalued?
SI Capital & Financial Services Ltd appears Somewhat Undervalued, as its key valuation ratios are below with their past averages.
Q.4 Is SI Capital & Financial Services Ltd a good buy now?
SI Capital & Financial Services 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 SI Capital & Financial Services Ltd?
SI Capital & Financial Services Ltd Operating Income growth is 47.98% for FY-2025, which is below its 5-year CAGR of 49.74%, indicating slower growth.
Q.2 Return on Assets of SI Capital & Financial Services Ltd?
SI Capital & Financial Services Ltd Return on Asset is 1.5%, which is above its 5-year historical median of -3.7%, indicating improved earnings on assets.
Current Level 5-year
Historic Median
NPM% 6.74 -21.36
PPOP% -171.11 -171.11
RoA% 1.5 -3.7
Q.3 Return on Equity (ROE) of SI Capital & Financial Services Ltd?
SI Capital & Financial Services Ltd Return on Equity is 4.2% for FY-2025, which is above its 5-year historical median of -5.5%, indicating the business is making better use of its shareholders capital.
Q.4 Pre-provisioning operating profit margin of SI Capital & Financial Services Ltd?
SI Capital & Financial Services Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -171.11% for FY-2025, which is in line with its 5-year median(-171.11%), indicating stable margins.
Q.5 Net Profit Margin of SI Capital & Financial Services Ltd?
SI Capital & Financial Services 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 6.74% for FY-2025, which is above its 5-year median( -21.36%), indicating increasing margins.
Q.6 Total Asset growth of SI Capital & Financial Services Ltd?
SI Capital & Financial Services Ltd Total Asset growth is 29.12% for FY-2025, which is below its 5-year CAGR of 36.21%, indicating slower growth.
Q.7 Capital Adequacy ratio of SI Capital & Financial Services Ltd?
SI Capital & Financial Services Ltd Capital Adequacy ratio (CAR) is 45.7% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

Q.1 Promoter shareholding and pledge status of SI Capital & Financial Services Ltd?
Promoters hold 39.47% of the SI Capital & Financial Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of SI Capital & Financial Services Ltd vs Industry Peers?
SI Capital & Financial Services Ltd AUM CAGR is 36.21%, compared to the 5-year industry median CAGR of 9.45%, indicating faster growth and gaining its market share.
Q.2 Profit metrics (NPM, PPOP, RoA) of SI Capital & Financial Services Ltd vs industry peers
SI Capital & Financial Services Ltd profit metrics are below the industry median level of -0.85%, indicating weaker profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM% 6.74 9.95
PPOP% -171.11 -13.31
RoA% 1.5 0.8
Q.3 Operating efficiency of SI Capital & Financial Services Ltd vs industry peers?
SI Capital & Financial Services Ltd ROCE (-0.9) is below the industry median of (1.9); while the current ROE (-5.5) are below than the 5-year average Industry ROE (1.2). This shows that the business is positioned in the bottom quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM% 6.74 9.95
PPOP% -171.11 -13.31
RoA% 1.5 0.8
ROCE% 8.2 1.9
ROE% 4.2 1.2

Valuation & price assessment

Q.1 Stock return of SI Capital & Financial Services Ltd over the last decade?
Over the last 5 years, the stock has delivered a CAGR of 3.89% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price
CAGR		 - 3.9% 0.5% -27.9%
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 35.69 37.91 33.72
Price to Book 2.93 3.83 0.94
Price to Sales 4.82 10.49 12.44
EV to EBITDA 13.34 15.26 9.97
Q.4 Valuation ratios of SI Capital & Financial Services Ltdvs historical and industry averages?
The current Price to book ratio (P/B) 2.93% is lower than its historical median of 3.83%, 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?
SI Capital & Financial Services Ltd return on invested capital (ROIC) is 6.22% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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