Suvifin Credit Sol

₹43.5 1.8 | 4.4%

WEBSITE BSE:538647 NSE : PURSHOTTAM 18 May, 12:50

Market Cap ₹27 Cr.

Stock P/E 3.9

P/B 0.6

Current Price ₹43.5

Book Value ₹ 70.9

Face Value 10

52W High ₹56.6

Dividend Yield 0%

52W Low ₹ 11

Edit Ratio

Suvifin Credit Sol Research see more...

Overview Inc. Year: 1988Industry: Finance - NBFC

Suvifin Credit Sol Share Price

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

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Peer Comparison

Suvifin Credit Sol 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	4	21	25	3	3	5	4	25	21	16
Other Income	0	0	0	0	0	0	0	0	0	0
Total Income	4	21	25	3	3	5	4	25	21	16
Total Expenditure	3	19	23	2	2	5	3	24	19	11
Operating Profit	1	2	2	1	1	1	1	1	3	5
Interest Expense	1	0	1	1	1	0	1	1	1	1
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	-0	2	1	1	-0	0	-0	1	2	5
Provision for Tax	0	0	0	0	0	0	-0	0	0	0
Profit After Tax	-0	2	1	1	-0	0	-0	1	2	5
Adjustments	0	0	-0	-0	0	-0	0	0	-0	0
Profit After Adjustments	-0	2	1	1	-0	0	-0	1	2	5
Adjusted Earnings Per Share	-0.5	3.6	1.1	1.1	-0.3	0.3	-0.4	1	2.9	7.5

Suvifin Credit Sol 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	1	1	2	3	13	28	22	13	4	55	16	66
Other Income	0	0	0	0	0	0	1	0	0	0	0	0
Total Income	1	1	2	3	13	28	24	13	5	55	16	66
Total Expenditure	0	1	0	4	13	27	23	12	3	47	12	57
Operating Profit	1	0	1	-1	0	0	1	1	1	7	4	10
Interest Expense	1	0	1	0	0	0	0	0	0	2	4	4
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	0	0	0	-1	0	0	0	0	1	5	0	8
Provision for Tax	0	0	0	0	0	0	0	0	0	0	-0	0
Profit After Tax	-0	0	0	-1	0	0	0	0	1	4	0	8
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	-0	0	0	-1	0	0	0	0	1	4	0	8
Adjusted Earnings Per Share	0	0	0	-1.3	0.4	0.3	0.4	0.4	0.9	6.8	0.6	11

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-71%	7%	-11%	32%
Operating Profit CAGR	-43%	59%	0%	15%
PAT CAGR	-100%	0%	0%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	104%	84%	35%	NA%
ROE Average	1%	6%	4%	2%
ROCE Average	5%	6%	4%	3%

Suvifin Credit Sol 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	30	30	30	29	30	30	30	30	30	31	28
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	3	3	0	0	0	0	0	0	0	1	0
Current Liability	11	13	11	6	1	3	1	0	21	57	55
Other Liabilities & Provisions	-0	-0	-0	-0	0	0	-0	-0	-0	-0	-0
Total Liabilities	44	46	41	35	30	33	31	30	52	88	84
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	14	9	6	4	1	1	1	1	0	0	0
Fixed Assets	0	0	0	0	0	1	0	0	0	1	1
Other Loans	27	24	26	29	23	25	27	27	50	60	60
Other Non Current Assets	0	0	0	0	0	0	0	0	0	0	0
Current Assets	3	13	9	2	6	6	3	2	2	27	23
Total Assets	44	46	41	35	30	33	31	30	52	88	84

Suvifin Credit Sol Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	2	1	0	0	3	0	0	0	0	0
Cash Flow from Operating Activities	6	-3	3	-6	0	2	-0	-21	-34	2
Cash Flow from Investing Activities	-7	6	-2	9	-3	-2	0	1	-1	0
Cash Flow from Financing Activities	0	-3	-1	0	0	-0	-0	21	34	-1
Net Cash Inflow / Outflow	-1	-1	0	3	-2	0	-0	0	-0	1
Closing Cash & Cash Equivalent	1	0	0	3	0	0	0	0	0	1

Suvifin Credit Sol 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)	0	0	0.03	-1.35	0.43	0.33	0.37	0.36	0.9	6.76	0.59
CEPS(Rs)	-0.03	0.03	0.03	-1.35	0.43	0.38	0.66	0.56	1.07	7.03	1.09
DPS(Rs)	0	0	0	0	0	0	0	0	0	0	0
Book NAV/Share(Rs)	0	0	48.03	46.68	47.11	47.44	46.98	47.21	48.12	48.69	44.04
Net Profit Margin	-2.58	1.67	1.34	-26.18	2.05	0.75	1.04	1.75	12.81	7.8	2.37
Operating Margin	67.35	31.29	72.57	-20.49	3.03	1.57	2.73	3.11	21.68	12.78	25.23
PBT Margin	1.19	2.72	2.56	-25.18	3.01	1.01	1.4	2.35	17.17	8.34	2.36
ROA(%)	-0.06	0.04	0.05	-2.21	0.81	0.65	0.71	0.74	1.39	6.07	0.43
ROE(%)	-0.1	0.07	0.07	-2.84	0.91	0.7	0.78	0.76	1.89	13.97	1.28
ROCE(%)	2.25	1.11	3.56	-2.2	1.34	1.45	2.02	1.34	2.36	10.13	4.72
Price/Earnings(x)	0	0	703.81	0	30.66	95.7	28.14	24.04	8.76	2.51	35.77
Price/Book(x)	0	0	0.5	0.13	0.28	0.67	0.22	0.18	0.16	0.35	0.48
Dividend Yield(%)	0	0	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	9.27	8.04	9.89	1.2	0.43	0.73	0.29	0.44	5.83	1.21	4.23
EV/Core EBITDA(x)	13.73	25.6	13.61	-5.85	14.21	43.34	8.15	10.66	24.21	9.25	15.56
Interest Earned Growth(%)	28.59	36.04	33.8	102.32	304.91	111.69	-19.91	-41.73	-65.78	1132.15	-71.13
Net Profit Growth	-360.58	188.12	7.45	-4049.13	131.74	-22.23	10.17	-1.59	150.32	649.88	-91.23
EPS Growth(%)	0	0	0	-4047.27	131.74	-22.21	10.15	-1.59	150.33	649.88	-91.23
Interest Coverage(x) %	1.02	1.1	1.04	-4.37	147.38	2.84	2.05	4.1	4.81	2.88	1.1

Suvifin Credit Sol Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	5.01	5.01	5.01	5.01	5.01	5.01	5.01	5.01	5.01	5.01
DII	0	0	0	0	0	0	0	0	0	0
Public	94.99	94.99	94.99	94.99	94.99	94.99	94.99	94.99	94.99	94.99
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

Pros

Stock is trading at 0.6 times its book value
Company has reduced debt.

Cons

Promoter holding is low: 0%.
Company has a low return on equity of 6% over the last 3 years.
Debtor days have increased from 7 to 526.38days.

* 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.