Sakthi Finance Ltd - Stock Valuation and Financial Performance

BSE: 511066 | NSE: SAKTHIFIN | Finance - NBFC | Small Cap

Sakthi Finance Share Price

47.87 -2.51 -4.98%
as on 28-Mar'24 16:01

DeciZen - make an informed investing decision on Sakthi Finance

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

Sakthi Finance stock performance -

mw4me loader
P/E Ratio (SA):
21.77
Market Cap:
326 Cr.
52-wk low:
25.2
52-wk high:
103.8

Is Sakthi Finance Ltd an attractive stock to invest in?

1. Is Sakthi Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Sakthi Finance Ltd is a below average quality company.

2. Is Sakthi Finance Ltd undervalued or overvalued?

The key valuation ratios of Sakthi Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is Sakthi Finance Ltd a good buy now?

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

10 Year X-Ray of Sakthi Finance:

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 end

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

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.
Sakthi Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)132147168168166168170171181192198
YoY Gr. Rt. %-11.4%14.5%-0.1%-1.1%1.3%1.3%0.7%5.8%5.8%-
Adj EPS (₹ ) 2.632.33.42.41.91.71.41.51.92.3
YoY Gr. Rt. %-12.9%-22.6%45.7%-28.7%-19.7%-9.9%-17.3%2.8%31.3%-
BVPS (₹ )22.524.225272832.128.829.730.63233.1
YoY Gr. Rt. %-7.7%3.4%8%3.7%14.5%-10.1%3%3.1%4.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.61.51.11.61.10.910.80.810

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income4.3%2.9%4.1%5.8%
Adj EPS-3.4%-4.2%3.7%31.3%
BVPS4%2.7%3.5%4.5%
Share Price 16.1% 21.2% 42.5% 74.1%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)10.710.87.5107.25.76.65.45.36.57.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)1313.610.212.98.76.46.54.94.96.27

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 7.10%

Total Income has increased 4.06 CAGR in last 3 years

Net Profit has increased 3.71 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Sakthi Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 2.3 0.9
TTM Sales (₹ Cr.) 198 76.2
BVPS (₹.) 33.1 0
Reserves (₹ Cr.) 150 33
P/BV 1.52 0.00
PE 21.77 55.59
From the Market
52 Week Low / High (₹) 25.22 / 103.75
All Time Low / High (₹) 0.90 / 131.88
Market Cap (₹ Cr.) 326
Equity (₹ Cr.) 64.7
Face Value (₹) 10
Industry PE 30.6

Management X-Ray of Sakthi Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Sakthi Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income138151172171169168170172181192
Interest Income132147168168166168170171181192
Other Income 6444300000
Expenditure 115129147150150154156159168175
Interest Expense 7990103103100100101105108109
Operating Expenses 30313639414647455055
Provisions 689898891110
Exceptional Items 00-40000000
Profit Before Tax 23212021191414131317
Taxes 9584743335
Profit After Tax 1416131712101191012
Adjusted EPS (₹)2.63.02.33.42.41.91.71.41.51.9
Dividend Payout Ratio (%)38%34%44%30%42%52%35%42%41%36%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital143152156164169160186192198207
Share Capital 60616161615065656565
Reserves 839195103108110122127133142
Minority Interest0000000000
Long Term Borrowings173337448596460697788782894924
Current Liabilities 586674476319464243246264175166
Trade Payables0000043333
Short term borrowings458342246138189208212231156147
Other Liabilities-458-342-246-138-189-212-215-234-159-150
Total Liabilities 9021,1631,0801,0791,0941,1011,2201,2381,2671,297

Assets

Non Current Asset 768791101100112108105117104
Loan Asset 0000000000
Other Non Current Asset 768791101100112108105117104
Current Asset 8271,0759889789949881,1121,1331,1501,193
Current Investment1310100000
Other Current Asset8261,0729879789929881,1121,1331,1501,193
Total Assets 9021,1631,0801,0791,0941,1011,2201,2381,2671,297

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -2366-102-2592-18-13662-2
Cash Flow From Investing Activity 4-4-925452-720
Cash Flow From Financing Activity 1845827-909109-65-3
Net Cash Flow -1107-10446-4-223116
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)3323222112
DPS (₹)1111111111
BVPS (₹)22242527283229303132

Performance Ratios

ROA (%)1.61.51.11.61.10.91.00.80.81.0
ROE (%)13.013.610.212.98.76.46.54.94.96.2
ROCE (%)12.812.512.712.611.610.910.29.99.810.0

Valuation Parameters

Price/Book(x)0.50.70.81.21.10.60.40.60.70.9

Sakthi Finance Ltd Stock News

Sakthi Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Sakthi Finance on 28-Mar-2024 16:01 is ₹47.87.
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 28-Mar-2024 16:01 the market cap of Sakthi Finance stood at ₹326.0.
The latest P/E ratio of Sakthi Finance as of 28-Mar-2024 16:01 is 21.77.
The latest P/B ratio of Sakthi Finance as of 28-Mar-2024 16:01 is 1.52.
The 52-week high of Sakthi Finance is ₹103.8 and the 52-week low is ₹25.22.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Sakthi Finance is ₹198.4 ( Cr.) .

About Sakthi Finance Ltd

Sakthi Finance Ltd. founded in the year 1965 is one of India's oldest NBFCs. It is a Part of the Rs 1200 crore Sakthi Conglomerate which was founded in the year 1935.

The Sakthi Group has a leading presence in Finance Agro foods, Dairy, and Transport. A deep understanding of the transport industry has made Sakthi one of the most trusted names in financing for commercial vehicles.

Sakthi Finance provides a wide variety of loans for cars, commercial vehicles, plant machinery and equipment are available and it is one of the first companies to introduce used vehicle  financing.

Sakthi Finance has 20 branches spread all over India. Over 1, 00, 000 happy customers and still growing.

The Locker Operations are carried out by Sakthi Financial Services Limited, an associate Company.

Services offered by the company:

Retail Business:-

  • Deposits
  • Lockers
  • Financing

Commercial Vehicle Finance

  • New Vehicle
  • Old Vehicle

Equipment Finance

  • Infrastructure
  • Equipments
  • Earth Moving machines
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