Is Saraswati Commercial (India) Ltd (ZSARACOM) a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Saraswati Commercial (India) Ltd is a below average quality company .

Is Saraswati Commercial (India) Ltd (ZSARACOM) undervalued or overvalued?

The key valuation ratios of Saraswati Commercial (India) Ltd's currently when compared to its past seem to suggest it is in the Fair zone .

What is Saraswati Commercial (India) Ltd (ZSARACOM) share price return in the past 10 years?

Saraswati Commercial (India) Ltd share price has appreciated 103.7% annually (CAGR) over the past ten years.

Is Saraswati Commercial (India) Ltd (ZSARACOM) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Saraswati Commercial (India) Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

What is the share price of Saraswati Commercial (India) Ltd (ZSARACOM)?

Company share prices are keep on changing according to the market conditions. The current trading price of Saraswati Commercial (India) Ltd (ZSARACOM) on 11-May-2026 15:11:00 at 15:11 is 10149.90.

What is the market cap of Saraswati Commercial (India) Ltd (ZSARACOM)?

Market capitalization is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-May-2026 at 15:11, the market cap of Saraswati Commercial (India) stood at Rs. 1084.97 Cr.

What is the P/E ratio of Saraswati Commercial (India)?

The latest standalone P/E ratio of Saraswati Commercial (India) as of 11-May-2026 is 12.67.

What is the P/B ratio of Saraswati Commercial (India) Ltd (ZSARACOM)?

The latest standalone P/B ratio of Saraswati Commercial (India) Ltd (ZSARACOM) as of 11-May-2026 is 1.00.

What is the 52-week high and low of Saraswati Commercial (India) Ltd (ZSARACOM)?

The 52-week high of Saraswati Commercial (India) Ltd (ZSARACOM) is Rs. 17800.00 and the 52-week low is Rs. 8650.00.

What is the TTM revenue of Saraswati Commercial (India) Ltd (ZSARACOM)?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Saraswati Commercial (India) is Rs. 111.16 (Cr.).

Saraswati Commercial (India) Ltd (ZSARACOM) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Saraswati Commercial (India) Ltd (ZSARACOM)
Brand: Saraswati Commercial (India)

10 Year X-Ray :

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	82.8	37.3	85.4	17.1	7.3	52.3	125	43.9	128	75.4	111
YoY Gr. Rt. %	-	-55%	129%	-80%	-57.1%	613.6%	139.2%	-64.9%	192.3%	-41.2%	-
Adj EPS (₹ )	216.1	81.6	159.5	3.7	-96	213.2	630	113.3	1,008.9	487.4	781.7
YoY Gr. Rt. %	-	-62.2%	95.4%	-97.7%	-2730.1%	NA	195.5%	-82%	790.9%	-51.7%	-
BVPS (₹ )	550	1,808	1,290.5	2,425.4	1,554.5	2,756.8	4,099.2	4,208.8	6,702.7	8,755.5	9,937.1
YoY Gr. Rt. %	-	228.8%	-28.6%	87.9%	-35.9%	77.4%	48.7%	2.7%	59.3%	30.6%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	19.1	4.8	10.8	0.2	-4.7	9.4	16.6	2.4	16.3	5.7	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	-1%	59.4%	-15.5%	-41.2%
Adj EPS	9.5%	NA	-8.2%	-51.7%
BVPS	36%	41.3%	28.8%	30.6%
Share Price	103.7%	39.3%	55.5%	-32.3%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	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 (%)	16.7	14	18.7	2.1	-131.1	40.8	51.9	26.6	81	70.8	77.4
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	48.9	6.9	13	0.2	-4.8	9.9	18.6	2.7	18.5	6.5	8.1

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to 8.40%

Total Income has declined -61.92 CAGR in last 3 years

Net Profit has declined -8.20 CAGR in last 3 years

Total income growth is poor in last 4 quarters

	Standalone	Consolidated
TTM EPS (₹)	781.7	781.8
TTM Sales (₹ Cr.)	111	111
BVPS (₹) ⓘ	9,937.1	10,010.6
Reserves (₹ Cr.) ⓘ	1,067	1,096
P/BV ⓘ	1.00	0.99
PE ⓘ	12.67	12.66

From the Market
52 Week Low / High (₹)	8650.00 / 17800.00
All Time Low / High (₹)	5.40 / 27775.00
Market Cap (₹ Cr.)	1,085
Equity (₹ Cr.)	1.1
Face Value (₹)	10
Industry PE ⓘ	28.3

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	35	116	129	243	156	276	422	433	690	960
Share Capital ⓘ	1	1	1	1	1	1	1	1	1	1
Reserves ⓘ	35	115	128	242	155	275	421	432	689	958
Short term borrowings	42	8	32	0	10	5	28	22	0	43
Long Term Borrowings	-1	-2	-3	7	-5	11	29	25	67	106
Current Liabilities	49	20	36	1	12	8	39	44	14	44
Trade Payables	0	8	0	0	0	1	0	0	13	0
Other Liabilities	-42	-15	-32	-1	-10	-6	-28	-22	-13	-43
Total Liabilities ⓘ	84	134	163	251	162	295	489	503	771	1,109
Assets
Non Current Asset +	25	96	90	236	136	287	405	440	709	936
Loan Asset	0	0	0	0	0	0	0	0	2	0
Other Non Current Asset ⓘ	25	96	90	236	136	287	405	440	707	935
Current Asset +	58	38	73	15	26	8	84	63	62	174
Current Investment	25	2	32	0	0	0	61	41	57	151
Other Current Asset	33	35	40	15	26	8	23	22	5	23
Total Assets ⓘ	84	134	163	251	162	295	489	503	771	1,109

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	93	42	85	17	7	52	125	44	128	75
Interest Income	83	37	85	17	7	52	125	44	128	75
Other Income ⓘ	0	8	0	1	1	0	0	1	0	1
Exceptional Items ⓘ	10	4	0	0	0	0	0	0	0	0
Expenditure ⓘ +	79	36	72	16	20	27	41	25	5	7
Interest Expense ⓘ	4	3	0	0	0	2	1	2	2	2
Operating Expenses ⓘ	75	26	71	16	19	26	41	22	3	4
Provisions	0	8	0	1	1	0	0	1	0	1
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	14	5	14	1	-13	25	84	19	123	69
Taxes ⓘ	0	-0	-2	0	-3	4	19	7	20	15
Profit After Tax	14	5	16	0	-10	21	65	12	104	53
Adjusted EPS (₹)	216.1	81.6	159.5	3.7	-96.0	213.2	630.0	113.3	1,008.9	487.4
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-16	-23	-6	16	-18	-5	50	27	33	9
Cash Flow From Investing Activity ⓘ	20	27	8	16	16	4	-81	-22	-7	-108
Cash Flow From Financing Activity ⓘ	-4	-3	-3	-31	9	-7	33	-7	-24	120
Net Cash Flow ⓘ	0	1	-1	-0	7	-7	2	-2	2	20

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	216.10	81.60	159.50	3.70	-96	213.20	630	113.30	1,008.90	487.40
DPS (₹)	0	0	0	0	0	0	0	0	0	0
BVPS (₹)	550	1808	1290.5	2425.4	1554.5	2756.8	4099.2	4208.8	6702.7	8755.5
Performance Ratios
ROA (%)	19.1	4.8	10.8	0.2	-4.7	9.4	16.6	2.4	16.3	5.7
ROE (%)	48.9	6.9	13.0	0.2	-4.8	9.9	18.6	2.7	18.5	6.5
ROCE (%)	27.5	7.9	9.8	0.4	-6.2	11.8	23.1	4.6	21.8	8.3
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	0.0	0.1	0.7	0.7	0.6	0.8	1.4

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Saraswati Commercial (India) Ltd (ZSARACOM) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Saraswati Commercial Share Price