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BSE: 512020 | NSE: | Finance - NBFC | Small Cap
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 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 Fair zone.
3. Is Saraswati Commercial (India) Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Saraswati Commercial (India) Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 0.5 | 23 | 95 | 82.9 | 37.3 | 85.4 | 17.1 | 7.3 | 61.6 | 125 | 60 | |
| YoY Gr. Rt. % | - | 4783% | 314% | -12.8% | -55% | 129% | -80% | -57% | 740.1% | 103.1% | - | |
| Adj EPS (₹ ) | 5.6 | 0.6 | 105.6 | 216.1 | 81.6 | 159.5 | 3.7 | -96 | 213.2 | 630 | 157.7 | |
| YoY Gr. Rt. % | - | -89.4% | 17800% | 104.7% | -62.2% | 95.4% | -97.7% | -2730.1% | NA | 195.5% | - | |
| BVPS (₹ ) | 227.6 | 228.2 | 333.8 | 550 | 1,808 | 1,290.5 | 2,425.4 | 1,554.5 | 2,756.8 | 4,099.2 | 4,329.4 | |
| YoY Gr. Rt. % | - | 0.3% | 46.3% | 64.7% | 228.8% | -28.6% | 87.9% | -35.9% | 77.4% | 48.7% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 2.5 | 0.1 | 10.5 | 19.1 | 4.8 | 10.8 | 0.2 | -4.7 | 9.4 | 16.6 | 0 | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | 86% | 27.4% | 94.3% | 103.1% | ||||||||
| Adj EPS | 69.1% | 50.5% | 456.8% | 195.5% | ||||||||
| BVPS | 37.9% | 17.8% | 19.1% | 48.7% | ||||||||
| Share Price | 79% | 185.5% | 212.2% | -22.2% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | 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 (%) | 76.6 | 0.2 | 7.1 | 16.7 | 14 | 18.7 | 2.1 | -131.1 | 34.7 | 51.9 | 27.1 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 2.5 | 0.3 | 37.6 | 48.9 | 6.9 | 13 | 0.2 | -4.8 | 9.9 | 18.6 | 3.6 | |
Total Income has increased 94.26 CAGR in last 3 years
Net Profit has increased 456.76 CAGR in last 3 years
Return on Equity has declined versus last 3 years average to 3.70%
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 157.7 | 158.2 |
| TTM Sales (₹ Cr.) | 59.9 | 60 |
| BVPS (₹.) ⓘ | 4,329.4 | 4,373.1 |
| Reserves (₹ Cr.) ⓘ | 445 | 449 |
| P/BV ⓘ | 0.64 | 0.64 |
| PE ⓘ | 17.68 | 17.61 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 2205.00 / 4498.80 |
| All Time Low / High (₹) | 5.40 / 4498.80 |
| Market Cap (₹ Cr.) | 287 |
| Equity (₹ Cr.) | 1 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 25.5 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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