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Shivom Inv. &Consult Overview

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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Shivom Inv. &Consult Key Financials

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

Shivom Inv. &Consult Share Price

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Volume
Price

Shivom Inv. &Consult Quarterly Price

Show Value Show %

Shivom Inv. &Consult Peer Comparison

Shivom Inv. &Consult Quarterly Results

#(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

Shivom Inv. &Consult Profit & Loss

#(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

Growth Rates

# 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%

Shivom Inv. &Consult Balance Sheet

#(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

Shivom Inv. &Consult Cash Flow

#(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

Shivom Inv. &Consult Ratios

# 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

Shivom Inv. &Consult Shareholding Pattern

# 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

Shivom Inv. &Consult News

Shivom Inv. &Consult Pros & Cons

Pros

  • Stock is trading at 0.1 times its book value

Cons

  • Company has a low return on equity of -39% over the last 3 years.
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