WEBSITE BSE:539833 NSE: SICLTD Inc. Year: 1990 Industry: Finance - NBFC My Bucket: Add Stock
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1. Business Overview
Shivom Investment & Consultancy Ltd. is an Indian Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). The company primarily engages in financing and investment activities. Its core business model revolves around providing financial assistance in the form of loans, advances, and investing in securities. It generates revenue primarily through interest income earned on its lending activities and returns from its investment portfolio.
2. Key Segments / Revenue Mix
Information regarding specific revenue segment breakdowns (e.g., retail loans, corporate loans, investment income contribution) is not readily available in detailed public disclosures for Shivom Investment & Consultancy Ltd. Typically, for an NBFC of this nature, revenue would largely be derived from interest income on its loan book and profits/dividends from its investment portfolio.
3. Industry & Positioning
The Indian NBFC sector is diverse, highly competitive, and comprises a vast number of players ranging from large, diversified entities to small, niche-focused companies. Shivom Investment & Consultancy Ltd. appears to be a smaller player within this fragmented landscape. Its positioning likely caters to specific local or niche market segments, given the intense competition from larger, more established NBFCs and banks across the country.
4. Competitive Advantage (Moat)
For a smaller NBFC like Shivom Investment & Consultancy Ltd., traditional durable competitive advantages such as strong brand recognition, significant scale, proprietary technology networks, or high switching costs are generally limited. Any competitive edge would likely stem from factors such as strong local relationships, efficient loan processing for specific customer segments, agility in responding to market needs, or potentially a focus on underserved niches where larger players are less active.
5. Growth Drivers
Rising Credit Demand: India's growing economy and increasing financialization continue to drive demand for credit from both individuals and businesses, which NBFCs can tap into.
Financial Inclusion: Government initiatives and a push for greater financial inclusion can expand the customer base for financial services.
Digital Adoption: Leveraging technology for faster loan origination, underwriting, and collection can improve efficiency and reach.
Economic Revival: A sustained economic recovery post-pandemic would improve borrower repayment capabilities and credit quality.
6. Risks
Credit Risk: The primary risk for any lending institution, stemming from borrowers defaulting on their loan repayments.
Interest Rate Risk: Fluctuations in interest rates can impact the company's net interest margin if asset and liability repricing are not matched.
Liquidity Risk: The risk of not having sufficient funds to meet financial obligations as they fall due, especially critical for NBFCs relying on market borrowings.
Regulatory Changes: Changes in RBI regulations concerning capital adequacy, asset classification, provisioning norms, or lending practices can impact profitability and operational structure.
Competition: Intense competition from banks and larger NBFCs for both borrowers and funding sources can put pressure on margins.
Economic Slowdown: A general economic downturn can reduce credit demand and increase non-performing assets (NPAs).
7. Management & Ownership
Shivom Investment & Consultancy Ltd. is typically promoter-driven, as is common for many Indian companies, especially smaller ones. The promoter group likely holds a significant stake in the company. Details on the specific management quality and background would require a review of annual reports and board compositions, but generally, experience in the financial sector and adherence to corporate governance practices are key indicators.
8. Outlook
Shivom Investment & Consultancy Ltd. operates in a growing but highly competitive Indian financial services sector. The company's future performance will largely depend on its ability to effectively manage credit and liquidity risks, maintain a stable asset quality, and navigate a dynamic regulatory environment. Opportunities exist through the broad growth in credit demand across India and potential for technological adoption to enhance reach and efficiency. However, it faces stiff competition from larger, well-capitalized banks and NBFCs, which can exert pressure on margins and market share. Its success will hinge on identifying and serving profitable niches while prudently managing its balance sheet in the face of economic cycles and interest rate fluctuations.
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Market Cap ₹3 Cr.
Stock P/E 0.8
P/B 0.1
Current Price ₹0.4
Book Value ₹ 8.2
Face Value 10
52W High ₹0
Dividend Yield 0%
52W Low ₹ 0
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Jun 2023 | Sep 2023 | Dec 2023 | Dec 2024 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 3 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 1 | 1 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 3 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 1 | 1 |
| Total Expenditure | 3 | 0 | 0 | 0 | 0 | 1 | 8 | 0 | 0 | 0 |
| Operating Profit | 0 | 0 | 0 | 0 | -0 | 0 | -8 | 0 | 0 | 1 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 0 | -0 | -0 | -9 | 0 | 0 | 1 |
| Provision for Tax | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 |
| Profit After Tax | -1 | 0 | 0 | 0 | -0 | -0 | -9 | 0 | 1 | 1 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -1 | 0 | 0 | 0 | -0 | -0 | -9 | 0 | 1 | 1 |
| Adjusted Earnings Per Share | -0.2 | 0 | 0 | 0 | -0 | -0 | -1.2 | 0 | 0.9 | 1.2 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 1 | 4 | 3 | 7 | 5 | 7 | 3 | 3 | 4 | 0 | 4 | 2 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 1 | 4 | 3 | 7 | 5 | 7 | 3 | 3 | 4 | 0 | 4 | 2 |
| Total Expenditure | 0 | 2 | 2 | 1 | 0 | 6 | 4 | 3 | 51 | 0 | 0 | 8 |
| Operating Profit | 1 | 2 | 2 | 6 | 4 | 1 | -0 | 0 | -47 | 0 | 4 | -7 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 0 | 0 |
| Depreciation | 2 | 6 | 6 | 6 | 6 | 3 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | -1 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -3 | -4 | -4 | 0 | -1 | -2 | -0 | 0 | -49 | -0 | 4 | -8 |
| Provision for Tax | 0 | 0 | -0 | -1 | -1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Profit After Tax | -3 | -4 | -4 | 1 | 0 | -2 | -0 | -1 | -49 | -0 | 4 | -7 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -3 | -4 | -4 | 1 | 0 | -2 | -0 | -1 | -49 | -0 | 4 | -7 |
| Adjusted Earnings Per Share | -0.4 | -0.6 | -0.5 | 0.1 | 0.1 | -0.3 | -0 | -0.2 | -7 | -0.1 | 0.5 | 0.9 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 0% | 10% | -11% | 15% |
| Operating Profit CAGR | 0% | 0% | 32% | 15% |
| PAT CAGR | 0% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 0% | -7% | 3% | -28% |
| ROE Average | 38% | -39% | -24% | -13% |
| ROCE Average | 9% | -30% | -18% | -10% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 68 | 64 | 60 | 61 | 61 | 59 | 59 | 57 | 8 | 8 | 12 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 30 | 30 |
| Other Non-Current Liabilities | 0 | 1 | 0 | -0 | -2 | -1 | -1 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 2 | 21 | 0 | 0 | 0 | 0 | 0 | 0 | 30 | 0 | 0 |
| Total Liabilities | 70 | 85 | 61 | 61 | 60 | 58 | 57 | 58 | 38 | 38 | 42 |
| Fixed Assets | 25 | 20 | 14 | 9 | 3 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 8 | 2 | 10 | 15 | 13 | 13 | 31 | 31 | 0 | 38 | 42 |
| Total Current Assets | 37 | 63 | 36 | 37 | 44 | 45 | 27 | 27 | 38 | 0 | 0 |
| Total Assets | 70 | 85 | 61 | 61 | 60 | 58 | 57 | 58 | 38 | 38 | 42 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| Cash Flow from Operating Activities | -35 | -24 | 31 | 3 | -2 | 0 | 19 | -1 | -22 | -0 | 0 |
| Cash Flow from Investing Activities | -32 | 6 | -9 | -5 | 2 | 0 | -18 | 0 | -2 | 0 | 0 |
| Cash Flow from Financing Activities | 67 | 19 | -20 | 0 | -0 | 0 | 0 | 0 | 29 | 0 | 0 |
| Net Cash Inflow / Outflow | -0 | 1 | 1 | -2 | -0 | 0 | 1 | -1 | 5 | 0 | 0 |
| Closing Cash & Cash Equivalent | 0 | 1 | 2 | 0 | 0 | 0 | 1 | 0 | 5 | 0 | 0 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | -0.41 | -0.64 | -0.53 | 0.1 | 0.05 | -0.34 | -0.04 | -0.19 | -7.01 | -0.07 | 0.53 |
| CEPS(Rs) | -0.08 | 0.16 | 0.27 | 0.9 | 0.85 | 0.13 | -0.04 | -0.19 | -7.01 | -0.07 | 0.53 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 9.77 | 9.13 | 8.6 | 8.7 | 8.76 | 8.42 | 8.38 | 8.2 | 1.19 | 1.12 | 1.65 |
| Core EBITDA Margin(%) | 69.01 | 40.53 | 50.54 | 85.42 | 96.28 | 16.69 | -7.66 | 4.8 | -1356.22 | 77.34 | 95.62 |
| EBIT Margin(%) | -262.99 | -101.62 | -114.92 | 2.44 | -23.18 | -27.03 | -7.57 | 5.48 | -1355.79 | 77.34 | 96.31 |
| Pre Tax Margin(%) | -280.41 | -105.72 | -120.31 | 2.39 | -23.2 | -27.05 | -7.57 | 5.48 | -1399.48 | -293.78 | 96.31 |
| PAT Margin (%) | -319.9 | -109.68 | -111.01 | 10.61 | 7.95 | -31.67 | -7.57 | -41.23 | -1399.48 | -293.78 | 96.31 |
| Cash Profit Margin (%) | -64.44 | 26.85 | 56.67 | 93.59 | 127.72 | 12.05 | -7.57 | -41.23 | -1399.48 | -293.78 | 96.31 |
| ROA(%) | -7.6 | -5.75 | -5.06 | 1.17 | 0.61 | -4 | -0.45 | -2.26 | -102.28 | -1.27 | 9.19 |
| ROE(%) | -7.85 | -6.76 | -5.94 | 1.17 | 0.6 | -3.91 | -0.44 | -2.24 | -149.27 | -6.01 | 38.19 |
| ROCE(%) | -6.29 | -5.37 | -5.27 | 0.27 | -1.76 | -3.34 | -0.44 | 0.3 | -99.9 | 0.34 | 9.3 |
| Receivable days | 9.13 | 2.03 | 2.48 | 1.23 | 57.17 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 106.29 | 30.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 20.26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 63.47 | 81.19 | 0 | 0 | 0 | 0 | 0 | 0 |
| Price/Book(x) | 0 | 0 | 0.81 | 0.74 | 0.49 | 0.19 | 0.05 | 0.1 | 0 | 0 | 0 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 78.7 | 21.98 | 14.18 | 6.74 | 6.45 | 1.5 | 0.56 | 1.87 | 26.9 | 604.08 | 26.01 |
| EV/Core EBITDA(x) | 114.05 | 54.24 | 26.87 | 7.89 | 6.68 | 9.01 | -7.41 | 34.11 | -1.98 | 781.05 | 27.01 |
| Net Sales Growth(%) | 338.92 | 349.01 | -18.58 | 102.07 | -30.72 | 59.82 | -54.1 | -7.31 | 10.97 | -95.27 | 2222.54 |
| EBIT Growth(%) | -5194.66 | -73.5 | 7.92 | 104.28 | -759.12 | -86.41 | 87.15 | 167.16 | 0 | 100.27 | 2792.03 |
| PAT Growth(%) | 0 | -53.95 | 17.59 | 119.32 | -48.13 | -737.04 | 89.03 | -405.12 | -3666.29 | 99.01 | 861.37 |
| EPS Growth(%) | 0 | -53.95 | 17.59 | 119.32 | -48.13 | -736.96 | 89.04 | -405.43 | -3666.6 | 99.01 | 861.44 |
| Debt/Equity(x) | 0.02 | 0.32 | 0 | 0 | 0 | 0 | 0 | 0 | 3.53 | 3.83 | 2.62 |
| Current Ratio(x) | 23.96 | 3.07 | 241.47 | 191.12 | 165.74 | 187.5 | 138.6 | 96.88 | 1.28 | 0.32 | 0.85 |
| Quick Ratio(x) | 23.96 | 3.07 | 235 | 190.3 | 165.74 | 187.5 | 138.6 | 96.88 | 1.28 | 0.32 | 0.85 |
| Interest Cover(x) | -15.1 | -24.79 | -21.31 | 57.17 | -1178.49 | -1588.04 | 0 | 0 | -31.03 | 0.21 | 0 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 93.17 | 93.17 | 93.17 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 6.83 | 6.83 | 6.83 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 0.6 | 0.6 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 0.04 | 0.04 | 0.04 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 0.64 | 0.64 | 0.64 |
* The pros and cons are machine generated.
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