Saraswati Commercial (India) Ltd.

BSE: 512020 SECTOR: Finance - NBFC  3782   13   1

2606.45
+49.80 (1.95%)
BSE: 24 Jun 05:10 PM

Price Summary

Today's High

₹ 2739.9

Today's Low

₹ 2520

52 Week High

₹ 4099.95

52 Week Low

₹ 0

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

268.45 Cr.

Advances

0 Cr.

No. of Shares

0.1 Cr.

P/E

4.14

P/B

0.64

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  4099.09

Operating Revenue

61.58 Cr.

Net Profit

21.34 Cr.

Promoter Holding

72.32 %

EPS (TTM)

₹  629.94

Sales Growth

740.19

ROE

9.89 %

ROCE

11.83%

Profit Growth

322.05 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year740.19%
3 Year-10.34%
5 Year-5.76%

Profit Growth

1 Year322.05%
3 Year10.15%
5 Year9.05%

ROE%

1 Year9.89%
3 Year1.75%
5 Year5.05%

ROCE %

1 Year11.83%
3 Year2.01%
5 Year4.75%

ROA%

9.34607605111543

PEG Ratio

0.01

PAT Margin (%)

34.6502639058059

EPS Growth(%)

322.047727580214

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2022 72.32 0
Dec 2021 72.32 0
Sep 2021 72.32 0
Jun 2021 72.32 0
Mar 2021 73.73 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 165.760829217526%.
  • The company is trading at 0.731953746283905 times the book value
  • Promoters shareholding is 72.32%.

 Limitations

  • Company has a poor Return on Equity (ROE) track record of 1.75372646100829%.
  • The company a poor ROCE track record of 2.01224263619684% since last 3 years.
  • The company has delivered poor profit growth of -10.3399810574059% over past 3 years
  • The company has delivered poor Operating Income growth of -10.3399810574059% over past 3 years.
  • Provision and contingencies have increased by 1032.18085106383%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Operating Revenue -4.22 20.18 66.53 -11.07 11.15
Other Income 0 0 0 0.02 0
Interest Expended 0.15 0.15 0.2 0 0.57
Operating Expenses 0.55 0.45 0.64 0.36 0.82
Total Provisions 0 0 0 0 0
Depreciation 0 0 0 0 0.01
Profit Before Tax -4.92 19.57 65.7 -11.41 9.76
Tax -5.86 3.66 12.3 -0.59 3.37
Net Profit 0.94 15.91 53.4 -10.82 6.39

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 37.31 85.43 17.06 7.33 61.58
Other Income 4.31 0.04 0.07 0.12 0.04
Interest 2.84 0.34 0.15 0.29 1.51
Operating Expenses 26.05 71 15.59 19.38 25.83
Total Provisions 7.6 0.48 0.65 0.83 9.37
Exceptional Items 0 0 0 0 0
Profit Before Tax 5.14 13.66 0.75 -13.05 24.9
Tax -0.08 -2.31 0.38 -3.44 3.57
Profit After Tax 5.22 15.97 0.37 -9.61 21.34
Adjusted EPS (Rs.) 81.63 159.52 3.65 -96 213.17

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 0.64 1 1 1 1
Total Reserves 115.46 128.17 241.75 154.59 274.93
Borrowings 0 0 0 0 0
Other N/C liabilities -2.29 -2.65 6.93 -5.18 11.1
Current liabilities 19.85 36.12 0.82 11.61 7.52
Total Liabilities 133.67 162.63 250.5 162.02 294.55
Assets
Loans 0 0 0 0 0
Net Block 0.08 0.08 0.05 0.04 0.04
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 94.74 86.9 234.81 134.93 285.88
Other Loans 1.01 3.1 1.01 1.01 1.01
Other N/C Assets 0 0 0 0 0
Current Assets 37.83 72.56 14.63 26.04 7.62
Total Assets 133.67 162.63 250.5 162.02 294.55
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Promoters 73.73 72.32 72.32 72.32 72.32
four dimensions se... 19.98 19.98 19.98 19.98 19.97
winro commercial (... 17.82 17.82 17.82 17.82 17.23
ashwin kumar kotha... 5.93 5.93 5.93 5.93 6.29
ashwin kumar kotha... 5.76 5.76 5.76 5.76 6.12
ashwin kumar kotha... 5.76 5.76 5.76 5.76 6.11
panna lal c kothar... 4.95 4.95 4.95 4.95 5.25
rohit kothari 4.09 4.09 4.09 4.09 4.34
four dimensions ad... - - 3.10 3.10 -
four dimensions co... 3.10 3.10 - - 3.01
niyati parish mehta 2.14 2.14 2.14 2.14 2.13
meena a kothari 1.88 1.88 1.88 1.88 1.99
singularity holdin... 0.76 0.76 0.76 0.76 -
geecee investments... - - - - 0.76
sam-jag-deep inves... 0.14 0.14 0.14 0.14 0.14
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Investors 26.27 27.68 27.68 27.68 27.68
ageless capital an... 6.21 6.21 6.21 6.21 -
angular trading pv... - - - - 3.10
g r n finsec priva... - - - - 3.10
marco private limi... 2.41 2.41 2.41 2.41 1.86
luv kush projects ... 1.94 1.94 1.94 1.94 1.94
k m visaria family... 1.94 1.94 1.94 1.94 -
kamal visaria - - - - 1.94
mitsu energy priva... 1.59 1.59 1.59 1.59 -
panchmukhi propert... 1.17 1.17 1.17 1.17 1.16
akash bhanshali 1.02 1.02 1.02 1.02 1.02
lata bhanshali 1.02 1.02 1.02 1.02 1.02
llp - - - 0.01 -

Annual Reports

Ratings & Research Reports

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Company Presentations

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Saraswati Commercial Stock Price Analysis and Quick Research Report. Is Saraswati Commercial an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Saraswati Commercial better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 21.3359 Cr and the compounded growth of profit in the past 3 years is 10.1455646513229 %. The PAT margin of Saraswati Commercial is 34.6502639058059 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Saraswati Commercial , the EPS grew by 322.047674702033 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of Saraswati Commercial is at 9.88883811169397 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Saraswati Commercial is worth at the current levels at Rs 2606.45. The stock is trading at a current P/E ratio of 9.46604579605266 and the average historical P/E for the last 5 years was 1.91352096772696.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Saraswati Commercial is trading at a P/B of 0.644 . The average historical P/B for the last 5 years was 0.168072008352239. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Saraswati Commercial

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