Saraswati Commercial (India) Ltd Stock Analysis

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

BSE Share Price 07-Feb-2023 17:17
2789.50 1.25 (0.04%)

DeciZen - Make an Informed Decision on Saraswati Commercial

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

1. Quality

2. Valuation

Fair

3. Price Trend

Semi Strong

Saraswati Commercial Price Chart

P/E Ratio ( SA) :
17.68
Market Cap :
287.2 Cr.
52-wk low :
2,205
52-wk high :
4,498.8
Bole Toh?

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.

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 performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Operating Income (₹ Cr.)0.5239582.937.385.417.17.361.612560
YoY Gr. Rt. %-4783%314%-12.8%-55%129%-80%-57%740.1%103.1%-
Adj EPS (₹ ) 5.60.6105.6216.181.6159.53.7-96213.2630157.7
YoY Gr. Rt. %--89.4%17800%104.7%-62.2%95.4%-97.7%-2730.1%NA195.5%-
BVPS (₹ )227.6228.2333.85501,8081,290.52,425.41,554.52,756.84,099.24,329.4
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 (%)2.50.110.519.14.810.80.2-4.79.416.60

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income86%27.4%94.3%103.1%
Adj EPS69.1%50.5%456.8%195.5%
BVPS37.9%17.8%19.1%48.7%
Share Price 79% 185.5% 212.2% -22.2%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
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 (%)76.60.27.116.71418.72.1-131.134.751.927.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)2.50.337.648.96.9130.2-4.89.918.63.6

Recent Performance Summary

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

Latest Financials - Saraswati Commercial (India) Ltd.

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

Management X-Ray of Saraswati Commercial :

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 Saraswati Commercial

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)

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 07-Feb-2023 17:17 is : 2,789.5.
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 07-Feb-2023 17:17 the market cap of Saraswati Commercial stood at ₹ 287.2.
The latest PE ratio of Saraswati Commercial as of 07-Feb-2023 17:17 is 17.68.
The latest PB ratio of Saraswati Commercial as of 07-Feb-2023 17:17 is 0.64
The 52-week high of Saraswati Commercial is ₹ 4,498.8 and the 52-week low is ₹ 2,205.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of Saraswati Commercial is ₹ 59.85 ( 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.

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