Sakthi Finance Ltd - Stock Valuation and Financial Performance

BSE: 511066 | NSE: SAKTHIFIN | Finance - NBFC | Small Cap

Sakthi Finance Share Price

49.79 -5.21 -9.47%
as on 11-Feb'25 16:59

DeciZen - make an informed investing decision on Sakthi Finance

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

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

Sakthi Finance stock performance -
49.79 -35.00-41.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
20.18
Market Cap:
322.2 Cr.
52-wk low:
46.5
52-wk high:
95

Is Sakthi Finance Ltd an attractive stock to invest in?

1. Is Sakthi Finance Ltd a good quality company?

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

2. Is Sakthi Finance Ltd undervalued or overvalued?

The key valuation ratios of Sakthi Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is Sakthi Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Sakthi Finance 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 Sakthi Finance:

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.
Sakthi Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
147168168166168170171181192207211
YoY Gr. Rt. %
-14.5%-0.1%-1.1%1.3%1.3%0.7%5.8%5.8%7.8%-
Adj EPS (₹ )
32.33.42.41.91.71.41.51.92.42.5
YoY Gr. Rt. %
--22.6%45.7%-28.7%-19.7%-9.9%-17.3%2.8%31.3%25.9%-
BVPS (₹ )
24.225272832.128.829.730.63233.834.2
YoY Gr. Rt. %
-3.4%8%3.7%14.5%-10.1%3%3.1%4.5%5.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
1.51.11.61.10.910.80.811.20

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income3.9%4.2%6.5%7.8%
Adj EPS-2.2%4.8%19.3%25.9%
BVPS3.8%1%4.4%5.6%
Share Price 11.2% 27.6% 28.4% -40.7%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
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 (%)
10.87.5107.25.76.65.45.36.57.67.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
13.610.212.98.76.46.54.94.96.27.47.2

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 7.30%

Total Income has increased 6.46 CAGR in last 3 years

Net Profit has increased 19.33 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Sakthi Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 2.5 0.9
TTM Sales (₹ Cr.) 211 76.2
BVPS (₹.) 34.2 0
Reserves (₹ Cr.) 156 33
P/BV 1.46 0.00
PE 20.18 54.94
From the Market
52 Week Low / High (₹) 46.50 / 95.00
All Time Low / High (₹) 0.90 / 131.88
Market Cap (₹ Cr.) 322
Equity (₹ Cr.) 64.7
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income51.5 653.5 10.152.5 8.553.1 6.4
Adj EPS (₹)0.67 36.70.65 22.60.60 13.20.55 -5.2
Net Profit Mgn %8.28 183 bps7.73 68 bps7.30 29 bps6.58 -75 bps

Management X-Ray of Sakthi Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:67.02%Institutions:0%Non-Institutions:32.98%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%50%60%70%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Sakthi Finance

MRP
spaceLock icon
MOS
spaceLock icon%
DP
spaceLock icon
Base BVPS
spaceLock icon
DPS
spaceLock icon
MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Sakthi Finance

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income151172171169168170172181192207
Interest Income147168168166168170171181192207
Other Income 4443000000
Expenditure 129147150150154156159168175185
Interest Expense 90103103100100101105108109116
Operating Expenses 31363941464745505561
Provisions 898988911108
Exceptional Items 0-400000000
Profit Before Tax 21202119141413131721
Taxes 5847433356
Profit After Tax 1613171210119101216
Adjusted EPS (₹)3.02.33.42.41.91.71.41.51.92.4
Dividend Payout Ratio (%)34%44%30%42%52%35%42%41%36%33%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital152156164169160186192198207218
Share Capital 61616161506565656565
Reserves 9195103108110122127133142154
Minority Interest0000000000
Long Term Borrowings3374485964606977887828949241,046
Current Liabilities 674476319464243246264175166157
Trade Payables0000433334
Short term borrowings342246138189208212231156147125
Other Liabilities-342-246-138-189-212-215-234-159-150-129
Total Liabilities 1,1631,0801,0791,0941,1011,2201,2381,2671,2971,421

Assets

Non Current Asset 8791101100112108105117104102
Loan Asset 0000000000
Other Non Current Asset 8791101100112108105117104102
Current Asset 1,0759889789949881,1121,1331,1501,1931,319
Current Investment3101000000
Other Current Asset1,0729879789929881,1121,1331,1501,1931,319
Total Assets 1,1631,0801,0791,0941,1011,2201,2381,2671,2971,421

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 66-102-2592-18-13662-2-28
Cash Flow From Investing Activity -4-925452-720-28
Cash Flow From Financing Activity 45827-909109-65-3100
Net Cash Flow 107-10446-4-22311645
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)3232221122
DPS (₹)1111111111
BVPS (₹)24252728322930313234

Performance Ratios

ROA (%)1.51.11.61.10.91.00.80.81.01.2
ROE (%)13.610.212.98.76.46.54.94.96.27.4
ROCE (%)12.512.712.611.610.910.29.99.810.010.3

Valuation Parameters

Price/Book(x)0.70.81.21.10.60.40.60.70.91.4

Sakthi Finance Ltd Stock News

Sakthi Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Sakthi Finance on 11-Feb-2025 16:59 is ₹49.79.
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 11-Feb-2025 16:59 the market cap of Sakthi Finance stood at ₹322.2.
The latest P/E ratio of Sakthi Finance as of 11-Feb-2025 16:59 is 20.18.
The latest P/B ratio of Sakthi Finance as of 11-Feb-2025 16:59 is 1.46.
The 52-week high of Sakthi Finance is ₹95.00 and the 52-week low is ₹46.50.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Sakthi Finance is ₹210.7 ( Cr.) .

About Sakthi Finance Ltd

Sakthi Finance Ltd. founded in the year 1965 is one of India's oldest NBFCs. It is a Part of the Rs 1200 crore Sakthi Conglomerate which was founded in the year 1935.

The Sakthi Group has a leading presence in Finance Agro foods, Dairy, and Transport. A deep understanding of the transport industry has made Sakthi one of the most trusted names in financing for commercial vehicles.

Sakthi Finance provides a wide variety of loans for cars, commercial vehicles, plant machinery and equipment are available and it is one of the first companies to introduce used vehicle  financing.

Sakthi Finance has 20 branches spread all over India. Over 1, 00, 000 happy customers and still growing.

The Locker Operations are carried out by Sakthi Financial Services Limited, an associate Company.

Services offered by the company:

Retail Business:-

  • Deposits
  • Lockers
  • Financing

Commercial Vehicle Finance

  • New Vehicle
  • Old Vehicle

Equipment Finance

  • Infrastructure
  • Equipments
  • Earth Moving machines
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