Shalibhadra Finance Ltd - Stock Valuation and Financial Performance

BSE: 511754 | NSE: | Finance - NBFC | Small Cap

Shalibhadra Finance Share Price

640.50 18.10 2.91%
as on 12-Feb'25 16:59

DeciZen - make an informed investing decision on Shalibhadra Finance

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

1. Quality

2. Valuation

Overvalued

3. Price Trend

Shalibhadra Finance stock performance -

P/E Ratio (SA):
37.13
Market Cap:
494.6 Cr.
52-wk low:
407
52-wk high:
844.8

Is Shalibhadra Finance Ltd an attractive stock to invest in?

1. Is Shalibhadra Finance Ltd a good quality company?

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

2. Is Shalibhadra Finance Ltd undervalued or overvalued?

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

3. Is Shalibhadra Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Shalibhadra 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 Shalibhadra 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.
Shalibhadra Finance Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)12.412.915.619.322.223.720.622.127.432.327
YoY Gr. Rt. %-4.3%20.8%23.8%14.9%6.7%-12.9%7%24.3%17.9%-
Adj EPS (₹ ) 7.66.98.611.312.811.671213.417.117.3
YoY Gr. Rt. %--8.8%24.5%31.7%12.9%-9.2%-39.5%71.3%11%28%-
BVPS (₹ )37.242.950.361.673.383.490.4102120.9138.3205.5
YoY Gr. Rt. %-15.3%17.3%22.5%18.9%13.9%8.4%12.8%18.5%14.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)8.36.56.66.66.14.935.36.68.10

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income11.3%7.8%16.2%17.9%
Adj EPS9.5%6%34.5%28%
BVPS15.7%13.6%15.2%14.4%
Share Price 34.6% 54.9% 42.5% 26.1%

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 (%)30.626.827.629.428.924.517.127.330.63750
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)22.317.318.520.31914.88.112.513.213.98.4

Recent Performance Summary

Total Income has increased 16.17 CAGR in last 3 years

Net Profit has increased 34.49 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 10.00%

Latest Financials - Shalibhadra Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 17.3 -
TTM Sales (₹ Cr.) 26.7 -
BVPS (₹.) 205.5 -
Reserves (₹ Cr.) 151 -
P/BV 3.12 -
PE 37.13 -
From the Market
52 Week Low / High (₹) 407.00 / 844.80
All Time Low / High (₹) 0.65 / 844.80
Market Cap (₹ Cr.) 495
Equity (₹ Cr.) 7.7
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 Income8.2 14.79.5 21.39 21.60 N/A
Adj EPS (₹)4.51 13.94.73 25.84.86 22.44.92 14.4
Net Profit Mgn %38.63 721 bps34.77 471 bps37.95 416 bps41.92 257 bps

Management X-Ray of Shalibhadra Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:54.83%Institutions:1.01%Non-Institutions:44.16%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%50%60%70%
Pledged *23.3421.080.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Shalibhadra Finance

MRP
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MOS
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DP
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Base BVPS
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DPS
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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 Shalibhadra Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 978.3 19.6 (2%) Small Cap 10,020 23.1 -16.8 42.4 0.8
Edelweiss Financial 105.4 -3.8 (-3.5%) Small Cap 9,500 4.9 5.6 21.6 1.9
Manappuram Finance 191.7 -5.7 (-2.9%) Small Cap 8,848 26.7 24.8 7.2 1.3
CreditAccess Grameen 998.1 2.8 (0.3%) Small Cap 5,167 55.2 28 18.1 2.3
Spandana Sphoorty 313.9 -12.7 (-3.9%) Small Cap 2,424 -66.2 20.7 - 0.7
Fusion Finance 172.5 0.9 (0.5%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 147.5 -3.7 (-2.5%) Small Cap 2,270 17.5 19.8 8.4 0.8
Five Star Business 698.8 -1.8 (-0.3%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 182 -2.3 (-1.2%) Small Cap 1,829 17.4 15.3 10.5 0.9
Fedbank Financial 91.8 -1 (-1.1%) Small Cap 1,577 5.9 15.5 15.5 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income13131619222421222833
Interest Income12131619222421222732
Other Income 0000001000
Expenditure 78911131616141617
Interest Expense 3457899777
Operating Expenses 3344455567
Provisions 1111123233
Exceptional Items 0000000000
Profit Before Tax 656898581116
Taxes 2222321234
Profit After Tax 43466646812
Adjusted EPS (₹)7.66.98.611.312.811.67.012.013.417.1
Dividend Payout Ratio (%)13%14%12%11%9%0%7%7%7%7%

Balance Sheet

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

Equity and Liabilities

Equity Capital19212531374245517697
Share Capital 5555555567
Reserves 14162026323740467090
Minority Interest0000000000
Long Term Borrowings26304461735558424538
Current Liabilities 54545269171324
Trade Payables0000000000
Short term borrowings00000215151021
Other Liabilities00000-21-5-8-8-21
Total Liabilities 50567596115123112117136158

Assets

Non Current Asset 17202834112117111114129141
Loan Asset 0000108111106111124134
Other Non Current Asset 17202834474357
Current Asset 333647633513717
Current Investment0000000000
Other Current Asset333647633513717
Total Assets 50567596115123112117136158

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -4-3-12-15-12072-53
Cash Flow From Investing Activity 00-20-1-22-1-2-2
Cash Flow From Financing Activity 531417124-141119
Net Cash Flow 0012-13-42410
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)8791113127121317
DPS (₹)1111101111
BVPS (₹)37435062738390102121138

Performance Ratios

ROA (%)8.36.56.66.66.14.93.05.36.68.1
ROE (%)22.317.318.520.319.014.88.112.513.213.9
ROCE (%)22.519.518.718.617.215.412.013.715.115.8

Valuation Parameters

Price/Book(x)0.81.11.52.11.20.60.61.81.13.7

Shalibhadra Finance Ltd Stock News

Shalibhadra Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Shalibhadra Finance on 12-Feb-2025 16:59 is ₹640.5.
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 12-Feb-2025 16:59 the market cap of Shalibhadra Finance stood at ₹494.6.
The latest P/E ratio of Shalibhadra Finance as of 12-Feb-2025 16:59 is 37.13.
The latest P/B ratio of Shalibhadra Finance as of 12-Feb-2025 16:59 is 3.12.
The 52-week high of Shalibhadra Finance is ₹844.8 and the 52-week low is ₹407.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Shalibhadra Finance is ₹26.66 ( Cr.) .

About Shalibhadra Finance Ltd

Shalibhadra Finance was incorporated as a public limited company on January 16, 1992. Its registered office is at New Marine Lines, Mumbai.

SFL has 12 branches with a good dealer network and experienced staff.

Business area of the company:-

The company is engaged in capital market operations, financial advising services and syndication of funds. The company has focus in the field of vehicle finance, specially two wheeler segments. SFL is also engaged in financing of old vehicles.

Recently,the company has performed reasonably well on the vehicle finance front due to decent growth in two and three wheeler industry.

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