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Sonal Mercantile Ltd (SONAL)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 538943 NSE: SONAL Finance - NBFC | Small Cap | Sonal Mercantile Share Price

₹92.60 4.39 (4.98%)

As on 04-Jun'26 16:59

Sonal Mercantile Ltd (SONAL)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 538943 NSE: SONAL Finance - NBFC | Small Cap | Sonal Mercantile Share Price

₹92.60 4.39 (4.98%)

As on 04-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹136 Cr.
Current Price
₹92.6
52-Week Low / High
₹78 / 153
TTM EPS
₹7.8
Book Value per Share
₹48.3
P/E Ratio
11.90
Lower than its 5-year historical median
Industry PE
25.6
Price to Book (P/B)
1.92
Lower than its 5-year historical median
EV/EBITDA
10.91
Lower than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
17.25%
Return on Capital Employed (ROCE)
10.39%
Return on Assets (ROA)
2.94%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-9.3%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
19.46%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹40.8 Cr.
Reserves
₹56 Cr.
Equity
₹14.7 Cr.
Face Value
₹10
All Time Low / High
₹4.73 / 198.30

Sonal Mercantile stock performance

Key Ratios
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Check Before You Invest

Quality

Somewhat Good

Valuation

Fair

Price Trend

Weak
Q.1 Is Sonal Mercantile Ltd a good quality company?
Sonal Mercantile Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does Sonal Mercantile Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Sonal Mercantile Ltd vs Industry Peers?
Sonal Mercantile Ltd AUM CAGR is 15.48%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.
Q.1 Promoter shareholding and pledge status of Sonal Mercantile Ltd?
Promoters hold 24.92% of the Sonal Mercantile Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Sonal Mercantile Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 29% based on the current price.

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)

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.
Sonal Mercantile Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)2.32.62.84.113.118.520.826.439.335.341
YoY Gr. Rt. %-11.2%8%48.2%216.7%41.4%12.7%26.6%49%-10.2%-
Adj EPS (₹ ) 00.10.10.51.43.14.15.37.97.17.8
YoY Gr. Rt. %-25%80%422.2%187.2%132.6%31.5%29.1%49%-11.1%-
BVPS (₹ )1515.115.215.516.819.92429.437.344.648.3
YoY Gr. Rt. %-0.5%0.6%2.4%7.9%18.7%20.8%22.2%27%19.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.30.30.61.21.52.632.73.22.90

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income35.3%22%19.2%-10.2%
Adj EPS77.7%39.2%19.6%-11.1%
BVPS12.9%21.6%22.9%19.5%
Share Price 29.5% 37% 4.3% -6.5%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
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 (%)2.62.8516.915.22529.229.729.829.528.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.30.30.63.18.317.118.82023.817.316.2

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 2334131921264035
Interest Income2334131921263935
Other Income 0000000100
Exceptional Items 0000000000
Expenditure + 2233101213162421
Interest Expense 000291112152321
Operating Expenses 2231110000
Provisions 0000000100
Exceptional Items 0000000000
Profit Before Tax 0001368111614
Taxes 0000122344
Profit After Tax 000125681210
Adjusted EPS (₹)0.00.10.10.51.43.14.15.37.97.1
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Sonal Mercantile - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +22222223252935435566
Share Capital 15151515151515151515
Reserves 7788101521294051
Short term borrowings0000000000
Long Term Borrowings00067135138159304291257
Current Liabilities 000082617152020
Trade Payables0000000000
Other Liabilities00-00-0-0-0000
Total Liabilities 22232290167193211362366343

Assets

Non Current Asset +001081164191209360360337
Loan Asset 0000000000
Other Non Current Asset 001081164191209360360337
Current Asset +2223129321256
Current Investment0000000000
Other Current Asset2223129321256
Total Assets 22232290167193211362366343

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -00-0-59-590-21-101
Cash Flow From Investing Activity 0-000-4-4-01-0-0
Cash Flow From Financing Activity 0006558321000
Net Cash Flow -00-06-6-00001

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)00.100.100.501.403.104.105.307.907.10
DPS (₹)0000000000
BVPS (₹)1515.115.215.516.819.92429.437.344.6

Performance Ratios

ROA (%)0.30.30.61.21.52.63.02.73.22.9
ROE (%)0.30.30.63.18.317.118.820.023.817.3
ROCE (%)0.50.50.95.79.710.811.29.511.310.4

Valuation Parameters

Price/Book(x)0.00.60.00.51.00.81.62.52.52.2

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 (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Sonal Mercantile Ltd FAQs

The current trading price of Sonal Mercantile on 04-Jun-2026 16:59 is ₹92.60.

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 03-Jun-2026 the market cap of Sonal Mercantile stood at ₹136.5 Cr

The latest P/E ratio of Sonal Mercantile as of 03-Jun-2026 is 11.90.

The latest P/B ratio of Sonal Mercantile as of 03-Jun-2026 is 1.92.

The 52-week high of Sonal Mercantile is ₹153.3 and the 52-week low is ₹78.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Sonal Mercantile is ₹40.76 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that Sonal Mercantile Ltd is a average quality company.

The key valuation ratios of Sonal Mercantile Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

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

About Sonal Mercantile Ltd

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