Suvifin Credit Solutions Ltd - Stock Valuation and Financial Performance

BSE: 538647 | NSE: | Finance - NBFC | Small Cap

Suvifin Credit Sol Share Price

35.90 0.11 0.31%
as on 18-Apr'24 16:01

DeciZen - make an informed investing decision on Suvifin Credit Sol

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Suvifin Credit Solutions stock performance -

mw4me loader
P/E Ratio (SA):
3.25
Market Cap:
22.6 Cr.
52-wk low:
11
52-wk high:
56.6

Is Suvifin Credit Solutions Ltd an attractive stock to invest in?

1. Is Suvifin Credit Solutions Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Suvifin Credit Solutions Ltd is a below average quality company.

2. Is Suvifin Credit Solutions Ltd undervalued or overvalued?

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

3. Is Suvifin Credit Solutions Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Suvifin Credit Solutions 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 Suvifin Credit Sol:

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.
Suvifin Credit Solutions Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)1.21.63.213.127.722.212.94.454.515.77
YoY Gr. Rt. %-34.5%101.9%305%111.8%-19.9%-41.7%-65.8%1133%-71.1%-
Adj EPS (₹ ) 00-1.40.40.30.40.40.96.80.611
YoY Gr. Rt. %-0%-4600%NA-23.3%12.1%-2.7%150%651.1%-91.3%-
BVPS (₹ )484846.747.147.44747.248.148.74470.9
YoY Gr. Rt. %-0.1%-2.8%0.9%0.7%-1%0.5%1.9%1.2%-9.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)00.1-2.20.80.70.70.71.46.10.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income33.2%-10.7%6.8%-71.1%
Adj EPS39.2%12.3%17.9%-91.3%
BVPS-1%-1.5%-2.3%-9.6%
Share Price - 29.1% 69.6% 39.9%

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-
Margins
Net Profit Margin (%)1.71.3-26.22.10.811.812.87.82.499.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.10.1-2.80.90.70.80.81.9141.315.7

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 19.20%

Total Income has increased 6.77 CAGR in last 3 years

Net Profit has increased 17.90 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Suvifin Credit Solutions Ltd.

Standalone Consolidated
TTM EPS (₹) 11 0
TTM Sales (₹ Cr.) 7 0.5
BVPS (₹.) 70.9 0
Reserves (₹ Cr.) 38 27
P/BV 0.51 0.00
PE 3.25 0.00
From the Market
52 Week Low / High (₹) 11.00 / 56.57
All Time Low / High (₹) 3.33 / 58.15
Market Cap (₹ Cr.) 22.6
Equity (₹ Cr.) 6.3
Face Value (₹) 10
Industry PE 31.7

Management X-Ray of Suvifin Credit Sol:

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 Suvifin Credit Sol

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income1.221.603.2313.0927.7723.5212.994.5254.5015.85
Interest Income1.191.603.2313.0827.7022.1812.934.4254.5015.74
Other Income 0.03000.010.071.340.070.1000.12
Expenditure 1.191.564.0412.6927.4923.2112.693.7649.9615.48
Interest Expense 0.341.120.1500.150.300.100.202.423.60
Operating Expenses 0.840.423.0812.6827.3322.7412.262.2642.042.29
Provisions 0.010.020.810.010.010.180.331.305.509.60
Exceptional Items 0000000000
Profit Before Tax 0.030.04-0.810.390.280.310.300.764.540.37
Taxes 0.010.020.030.130.070.080.080.190.290
Profit After Tax 0.020.02-0.850.270.210.230.230.574.250.37
Adjusted EPS (₹)0.00.0-1.40.40.30.40.40.96.80.6
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital30.1630.1829.3329.6029.8129.5229.6730.2330.5927.67
Share Capital 6.286.286.286.286.286.286.286.286.286.28
Reserves 23.8723.9023.0523.3223.5323.2323.3823.9524.3121.39
Minority Interest0000000000
Long Term Borrowings3.310.37000.360.230.090.080.640.39
Current Liabilities 12.7210.726.110.853.301.440.3221.4256.9855.45
Trade Payables0.050.011.3003.071.180.0701.571.05
Short term borrowings0.650.36000.100.100.122154.8554.04
Other Liabilities-0.70-0.37-1.300-3.17-1.28-0.19-21-56.42-55.09
Total Liabilities 46.1941.2735.4430.4633.4731.1930.0851.7388.2283.52

Assets

Non Current Asset 32.7532.0933.0624.5327.4028.2227.765061.1460.47
Loan Asset 0000000000
Other Non Current Asset 32.7532.0933.0624.5327.4028.2227.765061.1460.47
Current Asset 13.439.182.385.926.082.972.311.7327.0823.05
Current Investment0000000000
Other Current Asset13.439.182.385.926.082.972.311.7327.0823.05
Total Assets 46.1941.2735.4430.4633.4731.1930.0851.7388.2283.52

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 5.93-3.242.61-5.980.111.79-0.49-21.32-33.501.82
Cash Flow From Investing Activity -6.805.84-1.788.52-2.89-1.530.260.70-0.950.20
Cash Flow From Financing Activity 0-3.23-0.7300.46-0.10-0.1120.8834.42-1.04
Net Cash Flow -0.87-0.630.102.54-2.320.15-0.340.25-0.040.97
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)00-10000171
DPS (₹)0000000000
BVPS (₹)48484747474747484944

Performance Ratios

ROA (%)0.00.1-2.20.80.70.70.71.46.10.4
ROE (%)0.10.1-2.80.90.70.80.81.914.01.3
ROCE (%)1.13.6-2.21.31.52.01.32.410.14.7

Valuation Parameters

Price/Book(x)0.00.50.10.30.70.20.20.20.40.5

Suvifin Credit Solutions Ltd Stock News

Suvifin Credit Solutions Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Suvifin Credit Sol on 18-Apr-2024 16:01 is ₹35.90.
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 18-Apr-2024 16:01 the market cap of Suvifin Credit Sol stood at ₹22.56.
The latest P/E ratio of Suvifin Credit Sol as of 18-Apr-2024 16:01 is 3.25.
The latest P/B ratio of Suvifin Credit Sol as of 18-Apr-2024 16:01 is 0.51.
The 52-week high of Suvifin Credit Sol is ₹56.57 and the 52-week low is ₹11.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Suvifin Credit Sol is ₹6.96 ( Cr.) .

About Suvifin Credit Solutions Ltd

Purshottam Investofin Limited was incorporated in India on November 4, 1988 under the company’s act 1956. The company is registered with Reserve Bank of India (RBI) as a Non-Banking Financial Company dated May 14, 2003.

Business area of the company

The company is primarily engaged in the business of NBFC (Non-Accepting Public Deposits) activities.

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