BSE: 530419 | NSE: | Finance - Investment | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Sumedha Fiscal Services Ltd is a below average quality company.
The key valuation ratios of Sumedha Fiscal Services Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Sumedha Fiscal Services Ltd is likely to Fall 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'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 17.1 | 10.9 | 15.7 | 20.7 | 18.1 | 18 | 19.9 | 56.6 | 60.5 | 95.5 | 9 | |
| YoY Gr. Rt. % | - | -35.8% | 43.4% | 31.8% | -12.5% | -0.6% | 10.7% | 184.2% | 6.8% | 58% | - | |
| Adj EPS (₹ ) | 3.1 | 1.2 | 4.5 | 4.4 | 5.2 | -4.4 | 10.4 | 3.3 | 1.3 | 9.7 | 10.8 | |
| YoY Gr. Rt. % | - | -61.4% | 271.7% | -0.9% | 17.7% | -185.4% | NA | -68.8% | -60.6% | 655.5% | - | |
| BVPS (₹ ) | 38.4 | 39 | 44.2 | 47.4 | 51.4 | 45.7 | 55.6 | 57.8 | 58.1 | 66.8 | 71.8 | |
| YoY Gr. Rt. % | - | 1.6% | 13.2% | 7.4% | 8.4% | -11.2% | 21.7% | 4.1% | 0.5% | 14.9% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 7.3 | 2.8 | 9.7 | 8.5 | 9.1 | -8.2 | 19.6 | 5.4 | 2 | 14.5 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 21.1% | 39.5% | 68.7% | 58% | ||||||||
| Adj EPS | 13.4% | 13.2% | -2.5% | 655.5% | ||||||||
| BVPS | 6.3% | 5.4% | 6.3% | 14.9% | ||||||||
| Share Price | 17.1% | 36.3% | 45.3% | 97.6% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||||||
| Net Profit Margin (%) | 14.6 | 8.7 | 22.7 | 17.1 | 23 | -19.7 | 41.8 | 4.6 | 1.7 | 8.1 | 96.3 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 8.3 | 3.1 | 10.7 | 9.7 | 10.5 | -9.2 | 20.6 | 5.7 | 2.2 | 15.5 | 15.1 | |
Return on Equity has increased versus last 3 years average to 15.60%
Total Income has increased 68.65 CAGR in last 3 years
Total income growth is not so good in last 4 quarters
Net Profit has declined -2.49 CAGR in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 10.8 | 10.5 |
| TTM Sales (₹ Cr.) | 9 | 9.1 |
| BVPS (₹.) ⓘ | 71.8 | 77.2 |
| Reserves (₹ Cr.) ⓘ | 49 | 54 |
| P/BV ⓘ | 1.07 | 0.99 |
| PE ⓘ | 7.09 | 7.27 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 41.25 / 81.80 |
| All Time Low / High (₹) | 1.36 / 194.00 |
| Market Cap (₹ Cr.) | 61.1 |
| Equity (₹ Cr.) | 8 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 46.4 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 18.14 | 11.74 | 16.97 | 21.64 | 18.57 | 18.01 | 19.93 | 56.64 | 60.53 | 96.38 |
| Interest Income | 17.05 | 10.94 | 15.69 | 20.68 | 18.09 | 17.99 | 19.91 | 56.59 | 60.46 | 95.50 |
| Other Income ⓘ | 1.10 | 0.80 | 1.27 | 0.96 | 0.48 | 0.02 | 0.02 | 0.04 | 0.06 | 0.88 |
| Expenditure ⓘ | 14.51 | 10.21 | 11.85 | 17.19 | 13.06 | 21.89 | 10.34 | 52.09 | 59.07 | 87.19 |
| Interest Expense ⓘ | 0.04 | 0.01 | 0.07 | 0.07 | 0.07 | 0.10 | 0.06 | 0.01 | 0 | 0 |
| Operating Expenses ⓘ | 13.64 | 9.61 | 10.19 | 15.93 | 11.03 | 15.50 | 9.19 | 50.88 | 58.13 | 86.35 |
| Provisions | 0.83 | 0.59 | 1.59 | 1.19 | 1.96 | 6.29 | 1.09 | 1.20 | 0.94 | 0.84 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 3.63 | 1.53 | 5.11 | 4.45 | 5.51 | -3.88 | 9.59 | 4.55 | 1.45 | 9.18 |
| Taxes ⓘ | 1.15 | 0.58 | 1.56 | 0.92 | 1.36 | -0.33 | 1.26 | 1.95 | 0.43 | 1.47 |
| Profit After Tax | 2.48 | 0.96 | 3.56 | 3.53 | 4.15 | -3.55 | 8.33 | 2.60 | 1.02 | 7.72 |
| Adjusted EPS (₹) | 3.1 | 1.2 | 4.5 | 4.4 | 5.2 | -4.4 | 10.4 | 3.3 | 1.3 | 9.7 |
| Dividend Payout Ratio (%) | 26% | 42% | 22% | 23% | 19% | -14% | 10% | 31% | 78% | 10% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 30.78 | 31.25 | 35.27 | 37.87 | 41.07 | 36.47 | 44.37 | 46.19 | 46.39 | 53.30 |
| Share Capital ⓘ | 7.98 | 7.98 | 7.98 | 7.98 | 7.98 | 7.98 | 7.98 | 7.98 | 7.98 | 7.98 |
| Reserves ⓘ | 22.79 | 23.27 | 27.29 | 29.89 | 33.08 | 28.49 | 36.39 | 38.20 | 38.41 | 45.32 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 1 | 1.06 | 1.27 | 2.11 | 1.69 | 2.41 | 1.09 | 1.62 | 2.03 | 1.84 |
| Current Liabilities | 2.48 | 2.33 | 2.22 | 4.32 | 4.42 | 0.35 | 0.28 | 2.93 | 0.73 | 2.09 |
| Trade Payables | 0.17 | 0.86 | 0.61 | 1.05 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short term borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | -0.17 | -0.86 | -0.61 | -1.05 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities ⓘ | 34.26 | 34.64 | 38.75 | 44.29 | 47.18 | 39.22 | 45.74 | 50.73 | 49.15 | 57.23 |
Assets | ||||||||||
| Non Current Asset | 14.99 | 15.57 | 16.62 | 16.36 | 15.46 | 19.64 | 18.45 | 19.23 | 19.50 | 22.86 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 14.99 | 15.57 | 16.62 | 16.36 | 15.46 | 19.64 | 18.45 | 19.23 | 19.50 | 22.86 |
| Current Asset | 19.27 | 19.07 | 22.14 | 27.94 | 31.72 | 19.58 | 27.29 | 31.50 | 29.65 | 34.38 |
| Current Investment | 3.93 | 2.40 | 3.40 | 5.78 | 5.22 | 5.05 | 5.32 | 5.11 | 6.70 | 9.02 |
| Other Current Asset | 15.34 | 16.67 | 18.74 | 22.15 | 26.50 | 14.54 | 21.96 | 26.38 | 22.95 | 25.35 |
| Total Assets ⓘ | 34.26 | 34.64 | 38.75 | 44.29 | 47.18 | 39.22 | 45.74 | 50.73 | 49.15 | 57.23 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 3.83 | -0.72 | 4.05 | 3.88 | 3.06 | -3.99 | 2.64 | 4.15 | -0.18 | 3.38 |
| Cash Flow From Investing Activity ⓘ | -0.54 | 0.86 | -1.11 | -3.16 | 3.26 | -2.35 | -4.04 | -2.32 | 0.11 | -1.87 |
| Cash Flow From Financing Activity ⓘ | -1.07 | -0.47 | -0.54 | -0.80 | -1.04 | -1.11 | -0.59 | -0.87 | -0.84 | -0.81 |
| Net Cash Flow ⓘ | 2.21 | -0.33 | 2.40 | -0.08 | 5.28 | -7.46 | -1.99 | 0.97 | -0.91 | 0.70 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 3 | 1 | 4 | 4 | 5 | -4 | 10 | 3 | 1 | 10 |
| DPS (₹) | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| BVPS (₹) | 38 | 39 | 44 | 47 | 51 | 46 | 56 | 58 | 58 | 67 |
Performance Ratios | ||||||||||
| ROA (%) | 7.3 | 2.8 | 9.7 | 8.5 | 9.1 | -8.2 | 19.6 | 5.4 | 2.0 | 14.5 |
| ROE (%) | 8.3 | 3.1 | 10.7 | 9.7 | 10.5 | -9.2 | 20.6 | 5.7 | 2.2 | 15.5 |
| ROCE (%) | 12.2 | 5.0 | 15.6 | 12.3 | 14.1 | -9.7 | 23.8 | 10.1 | 3.1 | 18.4 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.4 | 0.4 | 0.4 | 1.0 | 0.4 | 0.3 | 0.4 | 1.0 | 0.9 | 0.7 |
Sumedha Fiscal Services (SFSL) incorporated in the year 1990 is a front ranking financial services company. Since inception its journey has been extremely focused and demanding. The company offers a wide bouquet of services ranging from corporate finance, equities, commodities, insurance, wealth advisory, portfolio management, personal finance, currency futures, investment banking and institutional broking services.
The company’s client centric approach with a focus on creating long-term relationships with clients has helped it in carving a niche in the financial services sector.
SFSL ventured into merchant banking as initially registered with SEBI as a category III merchant banker which was later on upgraded to category I. SFSL came out with a public issue in 1995 and in 1996 Capital Resources International ltd. (CRIL) group company started stock broking activity as member on NSE in the capital market segment and as dealer of OTCEI.
CRIL was merged with SFSL with effect from 1998 to have synergies in operations, operational efficiency and higher net worth. Started in Kolkata, it gradually expanded to other cities with a pan India presence with currently branches at eight locations namely Bangalore, Guwahati, Mumbai, Jaipur, Chennai, Ahmedabad, Delhi and Hyderabad.
Other group companies:
Subsidiary of Sumedha Fiscal Services Limited
Associates of Sumedha Fiscal Services Limited
Services offered by the company:
Corporate services Equity Placement
Investment services
Distribution services
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
Make an informed decision for Stocks
Invest using an intelligent system with powerful data-driven tools that help you identify opportunities and make informed buy-hold-sell decisions
Buy quality Stocks when they are available at reasonable prices and supported by an upward price trend and Sell when they are Overvalued using the Decizen Rating System. Covers 3500+ stocks
Claim your FREE 15-day access to the most practical investing handbook.
Hurry, limited to the first 10 users today!
FREE Become a savvy and confident
stock investor.
Hurry, limited to the first 10 users today!
Download APP
