Sakthi Finance

₹55 0.8 | 1.5%

WEBSITE BSE:511066 NSE : SAKTHI FIN. 18 May, 12:50

Market Cap ₹356 Cr.

Stock P/E 23.7

P/B 1.7

Current Price ₹55

Book Value ₹ 33.1

Face Value 10

52W High ₹103.8

Dividend Yield 1.27%

52W Low ₹ 27

Edit Ratio

Sakthi Finance Research see more...

Overview Inc. Year: 1955Industry: Finance - NBFC

Sakthi Finance Ltd is a reputable financial company known for its extensive range of financial services. With a strong presence in the market, Sakthi Finance has established itself as a leading player in the industry. The company specializes in offering customized financial solutions to meet the diverse needs of its clients. Whether it is retail finance, vehicle loans, business loans, or personal loans, Sakthi Finance provides flexible and competitive options. The company is committed to delivering excellent customer service, ensuring quick and hassle-free loan processing. With a team of experienced professionals and a customer-centric approach, Sakthi Finance aims to build long-term relationships with its clients. It maintains a robust network of branches and offers convenient online services to cater to customers across various regions. Sakthi Finance Ltd is recognized for its reliability, transparency, and commitment to financial excellence.

Sakthi Finance Share Price

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Peer Comparison

Sakthi Finance Quarterly Results

#(Fig in Cr.)	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Operating Revenue	46	46	46	46	47	49	49	49	51	52
Other Income	0	0	0	0	0	0	0	0	-0	0
Total Income	46	46	46	46	47	49	49	49	51	52
Total Expenditure	14	15	14	14	14	16	15	15	16	16
Operating Profit	33	31	32	32	33	33	34	34	36	36
Interest Expense	28	28	27	27	27	28	27	28	29	29
Depreciation	1	1	1	1	1	1	1	1	1	1
Profit Before Tax	3	2	3	4	5	4	5	5	5	6
Provision for Tax	1	1	1	1	1	1	2	1	1	2
Profit After Tax	3	2	3	3	3	3	3	3	4	4
Adjustments	0	0	0	-0	0	0	0	0	-0	0
Profit After Adjustments	3	2	3	3	3	3	3	3	4	4
Adjusted Earnings Per Share	0.4	0.3	0.4	0.4	0.5	0.5	0.5	0.5	0.6	0.7

Sakthi Finance Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	122	132	147	168	168	166	168	170	171	181	192	201
Other Income	7	6	4	4	4	3	0	0	0	0	0	0
Total Income	129	138	151	172	171	169	168	170	172	181	192	201
Total Expenditure	32	34	37	42	44	47	50	50	49	56	60	62
Operating Profit	97	104	114	130	128	122	118	120	122	126	132	140
Interest Expense	73	79	90	103	103	100	100	101	105	108	109	113
Depreciation	3	2	2	3	3	3	4	5	4	5	5	4
Profit Before Tax	21	23	21	20	21	19	14	14	13	13	17	21
Provision for Tax	7	9	5	8	4	7	4	3	3	3	5	6
Profit After Tax	14	14	16	13	17	12	10	11	9	10	12	14
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	14	14	16	13	17	12	10	11	9	10	12	14
Adjusted Earnings Per Share	2.8	2.6	3	2.3	3.4	2.4	1.9	1.7	1.4	1.5	1.9	2.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	6%	4%	3%	5%
Operating Profit CAGR	5%	3%	2%	3%
PAT CAGR	20%	3%	0%	-2%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	84%	51%	25%	17%
ROE Average	6%	5%	6%	9%
ROCE Average	10%	10%	10%	11%

Sakthi Finance Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	139	143	152	156	164	169	160	186	192	198	207
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	47	164	330	443	592	457	693	785	782	896	927
Current Liability	642	586	674	476	319	464	243	246	264	175	166
Other Liabilities & Provisions	8	9	7	6	4	2	4	2	0	-2	-4
Total Liabilities	837	902	1163	1080	1079	1094	1101	1220	1238	1267	1297
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	11	13	21	22	26	26	28	27	27	25	13
Fixed Assets	62	60	58	65	65	63	84	79	73	72	71
Other Loans	2	2	6	2	10	11	1	2	2	18	17
Other Non Current Assets	2	0	1	3	0	1	0	0	1	0	0
Current Assets	759	827	1075	988	978	994	988	1112	1133	1150	1193
Total Assets	837	902	1163	1080	1079	1094	1101	1220	1238	1267	1297

Sakthi Finance Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	17	25	24	131	27	31	38	34	11	14	14
Cash Flow from Operating Activities	-48	-23	66	-102	-25	92	-18	-136	6	2	-2
Cash Flow from Investing Activities	4	4	-4	-9	2	5	4	5	2	-7	20
Cash Flow from Financing Activities	52	18	45	8	27	-90	9	109	-6	5	-3
Net Cash Inflow / Outflow	8	-1	107	-104	4	6	-4	-22	3	1	16
Closing Cash & Cash Equivalent	25	24	131	27	31	38	34	11	14	14	30

Sakthi Finance Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	2.8	2.63	2.97	2.3	3.35	2.39	1.92	1.73	1.43	1.47	1.93
CEPS(Rs)	3.37	3.32	3.65	3.08	3.99	3.05	2.79	2.45	2.08	2.23	2.78
DPS(Rs)	1	1	1	1	1	1	1	0.6	0.6	0.6	0.7
Book NAV/Share(Rs)	21.05	22.48	24.2	25.02	27.02	28.02	32.07	28.82	29.67	30.59	31.97
Net Profit Margin	11.47	10.74	10.8	7.45	9.98	7.19	5.7	6.57	5.4	5.25	6.51
Operating Margin	76.96	76.93	76.03	73.21	74.24	71.38	67.87	67.62	68.82	66.55	66.02
PBT Margin	17.48	17.28	14.5	12.14	12.58	11.17	8.21	8.23	7.34	7.13	9.05
ROA(%)	1.74	1.63	1.53	1.12	1.55	1.1	0.87	0.96	0.75	0.76	0.97
ROE(%)	13.76	13.01	13.58	10.18	12.88	8.67	6.37	6.45	4.89	4.88	6.17
ROCE(%)	12.91	12.82	12.49	12.68	12.56	11.64	10.9	10.2	9.85	9.82	10
Price/Earnings(x)	3.84	4.09	5.64	8.3	9.31	13.25	9.4	7.25	11.57	14.31	14.86
Price/Book(x)	0.51	0.48	0.69	0.76	1.15	1.13	0.56	0.43	0.56	0.69	0.9
Dividend Yield(%)	9.29	9.3	5.97	5.25	3.21	3.16	5.56	4.79	3.63	2.85	2.44
EV/Net Sales(x)	5.61	5.55	5.37	5.39	5.93	5.97	5.7	6.26	6.44	6.42	6.41
EV/Core EBITDA(x)	7.07	7.04	6.91	6.96	7.79	8.13	8.08	8.9	9.04	9.27	9.31
Interest Earned Growth(%)	9.03	8.02	11.35	14.47	-0.13	-1.09	1.25	1.29	0.65	5.84	5.77
Net Profit Growth	20.5	1.13	11.93	-20.96	33.77	-28.82	-19.72	16.76	-17.19	2.82	31.25
EPS Growth(%)	20.52	-6.01	12.78	-22.62	45.92	-28.82	-19.72	-9.78	-17.18	2.82	31.25
Interest Coverage(x) %	1.29	1.29	1.24	1.2	1.2	1.19	1.14	1.14	1.12	1.12	1.16

Sakthi Finance Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	67.02	67.02	67.02	67.02	67.02	67.02	67.02	67.02	67.02	67.02
FII	0	0	0	0	0	0	0.09	0.09	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	32.98	32.98	32.98	32.98	32.98	32.98	32.89	32.89	32.98	32.98
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	4.34	4.34	4.34	4.34	4.34	4.34	4.34	4.34	4.34	4.34
FII	0	0	0	0	0	0	0.01	0.01	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	2.13	2.13	2.13	2.13	2.13	2.13	2.13	2.13	2.13	2.13
Others	0	0	0	0	0	0	0	0	0	0
Total	6.47	6.47	6.47	6.47	6.47	6.47	6.47	6.47	6.47	6.47

Pros

Cons

Company has a low return on equity of 5% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.