Saraswati Commercial (India) Ltd Stock Analysis

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

BSE Share Price Jan 17, 18:01
2964.75 164.75 (5.88%)

DeciZen - Make an Informed Decision on Saraswati Commercial

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

1. Quality

2. Valuation

Somewhat overvalued
P/E P/S EV/EBITDA

3. Price Trend

Semi Strong

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.

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.
Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Operating Income (₹ Cr.)0.90.5239582.937.385.417.17.361.686
YoY Gr. Rt. %--46%4783%314%-12.8%-55%129%-80%-57%740.1%-
Adj EPS (₹ ) 9.35.60.6105.6216.181.6159.53.7-96213.2702.7
YoY Gr. Rt. %--39.7%-89.4%17800%104.7%-62.2%95.4%-97.7%-2730.1%NA-
BVPS (₹ )222227.6228.2333.85501,8081,290.52,425.41,554.52,756.83,627.3
YoY Gr. Rt. %-2.5%0.3%46.3%64.7%228.8%-28.6%87.9%-35.9%77.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)4.22.50.110.519.14.810.80.2-4.79.40

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income60.5%-5.8%-10.3%740.1%
Adj EPS41.7%-0.3%10.2%NA
BVPS32.3%38%28.8%77.4%
Share Price 80.1% 224.5% 333.1% 220.5%

Key Financial Ratios

RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
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 (%)6876.60.27.116.71418.72.1-131.134.784.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)4.32.50.337.648.96.9130.2-4.89.919.4

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 22.00%

Net Profit has increased 10.15 CAGR in last 3 years

Total income growth is good in last 4 quarters

Total Income has declined 153.23 CAGR in last 3 years

Latest Financials - Saraswati Commercial (India) Ltd.

Standalone Consolidated
TTM EPS (₹) 702.7 702.8
TTM Sales (₹ Cr.) 85.9 85.9
BVPS (₹.) 3,627.3 3,658.7
Reserves (₹ Cr.) 373 376
P/BV 0.82 0.81
PE 4.22 4.22
From the Market
52 Week Low / High (₹) 755.10 / 3390.00
All Time Low / High (₹) 5.40 / 3390.00
Market Cap (₹ Cr.) 305
Equity (₹ Cr.) 1
Face Value (₹) 10
Industry PE 43.6

Management X-Ray:

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

Analyst's Notes

News

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.

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