Saraswati Commercial
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Saraswati Commercial share price

Saraswati Commercial (India) Ltd.

  36.05 K   33   2 BSE: 512020 SECTOR: Finance - NBFC

10805.00
+854.95 (8.59%)
BSE: Today, 11:13 AM

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Price Summary

Today's High

₹ 11190

Today's Low

₹ 10800

52 Week High

₹ 14499.95

52 Week Low

₹ 8650

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1184.15 Cr.

Advances

₹ 115.63 Cr.

No. of Shares

0.11 Cr.

P/E

8.95

P/B

1.02

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  10547.13

Operating Revenue

₹ 120.95 Cr.

Net Profit

₹ 92.31 Cr.

Promoter Holding

74.88 %

EPS (TTM)

₹  1207.1

Sales Growth

60.37

ROE

9 %

ROCE

11.01%

Profit Growth

72.83 %

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

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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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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

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Ratios

Income Growth

1 Year60.37%
3 Year40.18%
5 Year18.25%

Profit Growth

1 Year72.83%
3 Year99.28%
5 Year34.04%

ROE%

1 Year9%
3 Year11.32%
5 Year11.06%

ROCE %

1 Year11.01%
3 Year13.72%
5 Year13.78%

ROA%

8.0478

PEG Ratio

0.12

PAT Margin (%)

76.3239

EPS Growth(%)

72.8301

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2026 74.88 0.00
Mar 2026 74.88 0.00
Dec 2025 73.99 0.00
Sep 2025 73.99 0.00
Jun 2025 73.99 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 5.5016%.
  • Company has maintained a good ROA of 10.0293333333333% in last 3 years.
  • The company is trading at 0.8782 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 40.181358151115%.
  • The company has delivered substantial profit growth of 99.2819760473358% over past 3 years.
  • Promoters shareholding is 74.88%.

 Limitations

  • Provision and contingencies have increased by 35.4752015636453%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
Operating Revenue 31.47 73.27 32.69 -16.48 75.58
Other Income 0 0 0 0 0
Interest Expended 0.49 0.68 1.25 0.57 0
Operating Expenses 1.81 0.81 1.39 1.61 1.23
Total Provisions 0 0 0 0 0
Depreciation 0 0 0 0.01 0
Profit Before Tax 29.17 71.78 30.04 -18.66 74.35
Tax 5.59 11.48 5.3 -2.35 10.79
Net Profit 23.58 60.3 24.75 -16.32 63.56
Adjusted EPS (RS) 215.16 550.19 225.78 -148.9 579.95

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

PARTICULARS Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Operating Income 125.07 43.91 128.34 75.42 120.95
Other Income 0.02 0.01 0 0 0
Interest 0.91 1.76 1.68 1.59 2.99
Operating Expenses 40.51 22.14 2.92 3.79 3.97
Total Provisions 0.06 0.96 0.27 1.23 1.66
Exceptional Items 0 0 0 0 0
Profit Before Tax 83.62 19.06 123.47 68.8 112.33
Tax 18.74 7.4 19.56 15.39 20.02
Profit After Tax 64.88 11.66 103.91 53.41 92.31
Adjusted EPS (Rs.) 629.95 113.25 1008.9 487.37 842.33

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity and Liabilities
Share Capital 1.03 1.03 1.03 1.1 1.1
Total Reserves 421.15 432.43 689.28 958.41 1091.23
Borrowings 0 0 0 0 0
Other N/C liabilities 28.71 25.44 66.58 90.02 102.08
Current liabilities 38.58 44.43 13.93 43.75 6.38
Total Liabilities 489.47 503.34 770.82 1093.28 1200.78
Assets
Loans 0 0 1.99 0.34 115.63
Net Block 0.05 0.04 0.04 0.05 0.05
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 403.96 438.91 692.64 917.89 1070.64
Other Loans 1.01 1.01 13.33 0.38 0
Other N/C Assets 0 0 1.01 1.01 1.01
Current Assets 84.45 63.38 61.82 173.62 13.45
Total Assets 489.47 503.34 770.82 1093.28 1200.78
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

Annual Reports

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Annual Report 2025
Annual Report 2024
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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Concalls & Presentations

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Company News

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

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse Saraswati Commercial. 

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 Saraswati Commercial is Rs 92.3106 Cr. and the compounded growth of profit in the past 3 years is 99.2806019020103%. The PAT margin of Saraswati Commercial is 76.3239%.
  • 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 72.8301% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): Saraswati Commercial has a poor ROE track record. The ROE of Saraswati Commercial is at 8.9978% 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 10140. Saraswati Commercial is trading at a current P/E ratio of 10.3922 and the average historical P/E for the last 5 years was 13.4376298916112.
  • P/B ratio can be one of the best metrics to value such companies. Currently, Saraswati Commercial is trading at a P/B of 0.961398877463465. The average historical P/B for the last 5 years was 0.879329852841379. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of Saraswati Commercial in Ticker for free. Also, one can get the intrinsic value of Saraswati Commercial by using Valuation Calculators, which are available with a Finology ONE subscription. 

Saraswati Commercial FAQs

Q1. What is Saraswati Commercial share price today?
Ans: The current share price of Saraswati Commercial is Rs 10140.

Q2. What is the market capitalisation of Saraswati Commercial?
Ans: Saraswati Commercial has a market capitalisation of Rs 1111.270992 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Saraswati Commercial?
Ans: The PE ratio of Saraswati Commercial is 8.40032815956514 and the P/B ratio of Saraswati Commercial is 0.961398877463465, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Saraswati Commercial share?
Ans: The 52-week high share price of Saraswati Commercial is Rs 14400, and the 52-week low share price of Saraswati Commercial is Rs 9000.

Q5. Does Saraswati Commercial pay dividends?
Ans: Currently, Saraswati Commercial does not pay dividends. Dividend yield of Saraswati Commercial is around 0%.

Q6. What are the face value and book value of Saraswati Commercial shares?
Ans: The face value of Saraswati Commercial shares is Rs 10, while the book value per share of Saraswati Commercial is around Rs 10547.1311. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of Saraswati Commercial?
Ans: The ROE of Saraswati Commercial is 8.9978% and ROCE of Saraswati Commercial is 11.0107%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Saraswati Commercial a good buy for the long term?
Ans: The Saraswati Commercial long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Saraswati Commercial undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Saraswati Commercial appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Saraswati Commercial’s financials?
Ans: You can review Saraswati Commercial’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

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Brief about Saraswati Commercial
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