Saraswati Commercial (India) Ltd - Stock Valuation and Financial Performance

BSE: 512020 | NSE: | Finance - NBFC | Small Cap

Saraswati Commercial Share Price

5,421.85 -173.75 -3.11%
as on 12-Apr'24 16:59

DeciZen - make an informed investing decision on Saraswati Commercial

Overall Rating
Bole Toh

1. Quality

2. Valuation


3. Price Trend

Saraswati Commercial (India) stock performance -

mw4me loader
P/E Ratio (SA):
Market Cap:
558.4 Cr.
52-wk low:
52-wk high:

Is Saraswati Commercial (India) Ltd an attractive stock to invest in?

1. Is Saraswati Commercial (India) Ltd 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.

2. Is Saraswati Commercial (India) Ltd 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 Overvalued zone.

3. Is Saraswati Commercial (India) Ltd 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.

10 Year X-Ray of Saraswati Commercial:

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.
Saraswati Commercial (India) Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Operating Income (₹ Cr.)239582.937.385.417.17.352.312543.980
YoY Gr. Rt. %-314%-12.8%-55%129%-80%-57%613.5%139.1%-64.9%-
Adj EPS (₹ ) 0.6105.6216.181.6159.53.7-96213.2630113.3622.7
YoY Gr. Rt. %-17800%104.7%-62.2%95.4%-97.7%-2730.1%NA195.5%-82%-
BVPS (₹ )228.2333.85501,8081,290.52,425.41,554.52,756.84,099.24,208.85,182.4
YoY Gr. Rt. %-46.3%64.7%228.8%-28.6%87.9%-35.9%77.4%48.7%2.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.110.519.14.810.80.2-4.79.416.62.40


CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income7.5%-12.5%81.6%-64.9%
Adj EPS79.3%-6.6%NA-82%
Share Price 91.4% 161.6% 32.1% 97.3%

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-
Net Profit Margin (%)
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.337.648.96.9130.2-4.89.918.62.712

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 13.30%

Total Income has increased 81.62 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Saraswati Commercial (India) Ltd.

Standalone Consolidated
TTM EPS (₹) 622.7 622.9
TTM Sales (₹ Cr.) 80.5 80.5
BVPS (₹.) 5,182.4 5,227.6
Reserves (₹ Cr.) 533 537
P/BV 1.05 1.04
PE 8.71 8.70
From the Market
52 Week Low / High (₹) 2251.40 / 8426.80
All Time Low / High (₹) 5.40 / 8426.80
Market Cap (₹ Cr.) 558
Equity (₹ Cr.) 1
Face Value (₹) 10
Industry PE 32.5

Management X-Ray of Saraswati Commercial:

Shareholding Pattern

Promoter's Holding & Share Pledging

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

Event Update

Login/Register to view analysis.

Analyst's Notes

Key Ratios of Saraswati Commercial

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
Interest Income23958337851775212544
Other Income 05104000000
Expenditure 23917936721620274125
Interest Expense 1543000212
Operating Expenses 21877526711619264122
Provisions 1008011001
Exceptional Items 0000000000
Profit Before Tax 08145141-13258419
Taxes 0200-20-34197
Profit After Tax 07145160-10216512
Adjusted EPS (₹)0.6105.6216.181.6159.53.7-96.0213.2630.0113.3
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)

Equity and Liabilities

Equity Capital152135116129243156276422433
Share Capital 1111111111
Reserves 142135115128242155275421432
Minority Interest0000000000
Long Term Borrowings00-1-2-37-5112925
Current Liabilities 534049203611283944
Trade Payables11008000100
Short term borrowings41324283201052822
Other Liabilities-52-32-42-15-32-1-10-6-28-22
Total Liabilities 676184134163251162295489503


Non Current Asset 3744259690236136287405440
Loan Asset 0000000000
Other Non Current Asset 3744259690236136287405440
Current Asset 3017583873152688463
Current Investment10252320006141
Other Current Asset2917333540152682322
Total Assets 676184134163251162295489503

Cash Flow

(All Figures are in Crores.)
Cash Flow From Operating Activity 25-5-16-23-616-18-55027
Cash Flow From Investing Activity -23102027816164-81-22
Cash Flow From Financing Activity -1-5-4-3-3-319-733-7
Net Cash Flow 0001-107-72-2

Operational & Financial Ratios

EPS (₹)1106216821604-96213630113
DPS (₹)0000000000
BVPS (₹)2283345501808129024251554275740994209

Performance Ratios

ROA (%)0.110.519.14.810.80.2-4.79.416.62.4
ROE (%)0.337.648.96.913.00.2-4.89.918.62.7
ROCE (%)3.023.927.

Valuation Parameters


Saraswati Commercial (India) Ltd Stock News

Saraswati Commercial (India) Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Saraswati Commercial on 12-Apr-2024 16:59 is ₹5,421.9.
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 12-Apr-2024 16:59 the market cap of Saraswati Commercial stood at ₹558.4.
The latest P/E ratio of Saraswati Commercial as of 12-Apr-2024 16:59 is 8.71.
The latest P/B ratio of Saraswati Commercial as of 12-Apr-2024 16:59 is 1.05.
The 52-week high of Saraswati Commercial is ₹8,426.8 and the 52-week low is ₹2,251.4.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Saraswati Commercial is ₹80.48 ( Cr.) .

About Saraswati Commercial (India) Ltd

Saraswati Commercial (India) Limited was incorporated in 1983. Its corporate office is located at 209/210 Arcadia Building, 2nd Floor, Plot No. 195, Nariman Point. Mumbai,Maharashtra-400021 .

Business Profile:

The company operates as a non-banking financial institution in India.

Read More Read Less
You have 2 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
© 2024 The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me ® is a registered trademark of The Alchemists Ark Pvt.Ltd.