Key Metrics 
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10 Yrs X-Ray 
Valuation 
Analyst Note 
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About
Sai Capital Ltd (SAICAPI)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531931 NSE: SAICAPI Finance - Investment | Small Cap | Sai Capital Share Price
₹156.70 -2.85 (-1.79%)
As on 23-Sep'26 16:59
Sai Capital Ltd (SAICAPI)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531931 NSE: SAICAPI Finance - Investment | Small Cap | Sai Capital Share Price
₹156.70 -2.85 (-1.79%)
As on 23-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹45 Cr.
Current Price
₹156.7
52-Week Low / High
₹130 / 245
TTM EPS
₹43.1
Book Value per Share
₹1,283.9
P/E Ratio
3.64
Industry PE
56.5
Price to Book (P/B)
0.12
Higher than its 5-year historical median
EV/EBITDA
2.29
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
3.49%
Outperforms industry median
Return on Capital Employed (ROCE)
5.09%
Outperforms industry median
Return on Assets (ROA)
3.24%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
-
-
Book Value Growth (1 Year)
-
-
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹0.8 Cr.
Reserves
₹367 Cr.
Equity
₹2.9 Cr.
Face Value
₹10
All Time Low / High
₹15.10 / 530.40
Check Before You Invest
M-Cap below 100cr DeciZen not available
Is Sai Capital Ltd a good quality company?
Sai Capital Ltd is a quality company, based on a multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Sai Capital Ltd performance compare with that of its Peers?
AUM Growth of Sai Capital Ltd vs Industry Peers?
Sai Capital Ltd AUM CAGR is 1.78%, compared to the 5-year industry median CAGR of 9.58%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of Sai Capital Ltd?
Promoters hold 73.72% of the Sai Capital Ltd, with 37.51% of their stake pledged, indicating high pledge risk.
Stock return of Sai Capital Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 12.3% based on the current price.
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)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Sai Capital Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 0 | 0 | 0 | 0 | 0.5 | 0 | 0 | 0 | 0 | 0 | 0 | |
| YoY Gr. Rt. % | - | NA | NA | NA | NA | -100% | NA | NA | NA | NA | - | |
| Adj EPS (₹ ) | -0.9 | -1.8 | -1.5 | -1.7 | -0.1 | -3.4 | -1.9 | -2.2 | -2.4 | -2.4 | -2.4 | |
| YoY Gr. Rt. % | - | NA | NA | NA | NA | NA | NA | NA | NA | NA | - | |
| BVPS (₹ ) | 0.9 | -0.9 | -2.4 | -4.2 | -4.3 | -7.7 | -9.6 | -11.8 | -14.2 | -16.6 | -17.2 | |
| YoY Gr. Rt. % | - | -205.8% | NA | NA | NA | NA | NA | NA | NA | NA | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | -28 | -57.7 | -50.1 | -58.2 | -4.4 | -161.1 | -183.6 | -229.8 | -249.2 | -245.7 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | NA | -100% | NA | NA | ||||
| Adj EPS | NA | NA | NA | NA | ||||
| BVPS | -238.9% | NA | NA | NA | ||||
| Share Price | 12.1% | 57.6% | 8.6% | -34.1% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||||||
| Net Profit Margin (%) | 0 | 0 | 0 | 0 | -7.5 | 0 | 0 | 0 | 0 | 0 | -INF | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | -67.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13.7 | |
Valuation of Sai Capital - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 69.18 | 69.18 | 69.18 | 69.18 | 69.18 | 0.00 | 77.28 | 77.28 | 69.18 | 37.51 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|
| Income + | 200.67 | 211.21 | 101.50 | 18.42 | 15.95 | 17.62 | 23.41 | 24.54 |
| Exceptional Items ⓘ | 20.31 | 20.40 | 12.94 | 16.54 | 15.36 | 17.17 | 22.88 | 23.87 |
| Expenditure ⓘ + | 152.50 | 169.52 | 92.99 | 2.87 | 10.77 | 25.83 | 7.01 | 6.28 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | -0 | -0.01 | 0 | 0 |
| Profit Before Tax ⓘ | 48.17 | 41.69 | 8.51 | 15.55 | 5.17 | -8.21 | 16.40 | 18.26 |
| Taxes ⓘ | 17.26 | 10.54 | 3.67 | 4.49 | 2.57 | 4.93 | 5.56 | 5.70 |
| Profit After Tax | 30.91 | 31.15 | 4.83 | 11.05 | 2.60 | -13.14 | 10.84 | 12.56 |
| Adjusted EPS (₹) | 105.3 | 106.1 | 16.5 | 37.6 | 8.8 | -44.8 | 36.9 | 42.7 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | ||
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 308.08 | 338.45 | 342.82 | 353.65 | 356.25 | 343.35 | 353.97 | 366.28 | ||
| Short term borrowings | 0 | 0 | 0 | 0 | 10.15 | 11.92 | 14.49 | 9.42 | ||
| Long Term Borrowings | 1.21 | 2.07 | 1.72 | 2.21 | 4.82 | 3.54 | 4.44 | 4.98 | ||
| Current Liabilities | 22.95 | 16.16 | 4.27 | 5.52 | 13.10 | 16 | 20.36 | 9.84 | ||
| Trade Payables | 1.33 | 3.93 | 0.01 | 0 | 0.25 | 0.08 | 0.03 | 0.04 | ||
| Other Liabilities | -1.33 | -3.93 | -0.01 | -0 | -10.40 | -12 | -14.52 | -9.46 | ||
| Total Liabilities ⓘ | 338.23 | 363.28 | 355.49 | 368.30 | 381.14 | 369.63 | 385.73 | 388.32 | ||
Assets | ||||||||||
| Non Current Asset + | 13.37 | 12.90 | 21.93 | 62.36 | 117.36 | 112.95 | 84.63 | 59.12 | ||
| Current Asset + | 324.86 | 350.38 | 333.56 | 305.93 | 263.78 | 256.67 | 301.10 | 329.20 | ||
| Total Assets ⓘ | 338.23 | 363.28 | 355.49 | 368.30 | 381.14 | 369.63 | 385.73 | 388.32 | ||
| PARTICULARS | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 35.69 | -9.54 | -0.26 | -2.23 | -1.33 | -5.88 | -61.37 | -52.07 |
| Cash Flow From Investing Activity ⓘ | -27.02 | -44.68 | -4.93 | -7.68 | -6.94 | 19.55 | 48.70 | 46.91 |
| Cash Flow From Financing Activity ⓘ | 0.32 | 0.16 | -0.48 | 0.24 | 1.78 | -2.10 | -0.07 | -0.33 |
| Net Cash Flow ⓘ | 8.99 | -54.07 | -5.67 | -9.66 | -6.50 | 11.57 | -12.75 | -5.49 |
| PARTICULARS | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | ||
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 105.30 | 106.10 | 16.50 | 37.60 | 8.80 | -44.80 | 36.90 | 42.70 | ||
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||
| BVPS (₹) | 1070 | 1175.5 | 1190.7 | 1228.3 | 1237.3 | 1192.5 | 1229.4 | 1272.1 | ||
Performance Ratios | ||||||||||
| ROA (%) | 9.1 | 8.9 | 1.3 | 3.1 | 0.7 | -3.5 | 2.9 | 3.2 | ||
| ROE (%) | 10.0 | 9.6 | 1.4 | 3.2 | 0.7 | -3.8 | 3.1 | 3.5 | ||
| ROCE (%) | 15.6 | 12.9 | 2.5 | 4.5 | 1.7 | -2.0 | 4.7 | 5.1 | ||
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.2 | 0.1 | ||
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Sai Capital Ltd FAQs
The current trading price of Sai Capital on 23-Sep-2026 16:59 is ₹156.7.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 22-Sep-2026 the market cap of Sai Capital stood at ₹45.12 Cr
The latest P/E ratio of Sai Capital as of 22-Sep-2026 is 0.00.
The latest P/B ratio of Sai Capital as of 22-Sep-2026 is -9.12.
The 52-week high of Sai Capital is ₹245.2 and the 52-week low is ₹130.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Sai Capital is ₹0.00 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Sai Capital Ltd is a below average quality company.
The key valuation ratios of Sai Capital Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Sai Capital Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
About Sai Capital Ltd
Sai Capital was incorporated in the year 1995 and is primarily engaged in the business of investments and finance. It provides finance and investment services. The company is based in New Delhi, India.
Major earnings of the company come from interest earned on investments. The company’s income depends on profits from the sale of shares and securities, interest and dividend. It is presently suspended from the BSE on account of non-compliance with listing agreement clauses.
Business areas of the company:
Sai Capital provides finance and investment services.
Associate companies:
Sai Industries, Sai Agencies, Sai Enterprises and Sai Business & Consultancy Systems.
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