Saraswati Commercial (India) Ltd

₹9,950.05▲ 0%28 Sept

📊 Stock Analysis

Market Data

Market Cap₹1,090.45 Cr.

52W High₹14,799.95

Current Price₹9,950.05

52W Low₹8,650

Down from 52W High32.8 %

Face Value₹10

Performance

ROCE14.53 %

ROE12.01 %

EPS (TTM)₹579.97

EPS Prev Qtr₹-148.86

EPS Last Year₹615.32

EBITDA Qtr₹74.35 Cr.

Book Value₹10,051

Financial Health

Debt/Equity0

Debt/Profit0

Total Assets₹1,218.14 Cr.

Promoter Holding74.88 %

Earning Power12.93 %

Valuation

Stock P/E7.78

Industry P/E18.22

Price to Book0.99

Price to Sales6.61

Graham Number₹17,011.41

Key Metrics

__derived

Face Value

₹10

About Saraswati Commercial (India) Ltd

Financial Services · Finance

Saraswati Commercial (India) Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹10. Market cap ₹1,090.45 Cr.

Price Chart

Peer Comparison

Name	CMP	P/E	Market Cap	Div Yield	NP Qtr	Qtr Profit Var%	Sales Qtr	Qtr Sales Var%	ROCE%	Debt/Eq
Bajaj Finance Ltd	-	30.16	₹6,13,256.5 Cr	0.61%	₹20,647.67 Cr	-	₹85,963.63 Cr	-	10.43%	3.82
Bajaj Finserv Ltd	-	27.52	₹2,80,096.25 Cr	0.09%	₹20,636.97 Cr	-	₹1,57,641.68 Cr	-	11.43%	5.5
Shriram Finance Ltd	-	17.28	₹2,30,350.39 Cr	1.1%	₹11,295.71 Cr	-	₹49,997.06 Cr	-	11.48%	3.8
ICICI Prudential Asset Management Co Ltd	-	31.77	₹1,58,506.24 Cr	-	₹3,485.73 Cr	-	₹6,040.44 Cr	-	111.52%	0
Jio Financial Services Ltd	-	68.4	₹1,45,434.19 Cr	0.27%	₹2,066.49 Cr	-	₹4,905.27 Cr	-	2.33%	0.17
Cholamandalam Investment & Finance Company Ltd	-	24.17	₹1,39,794.37 Cr	0.12%	₹5,751 Cr	-	₹32,662.59 Cr	-	9.35%	6.93
Tata Capital Ltd	-	25.45	₹1,39,274.15 Cr	0.17%	₹5,478.16 Cr	-	₹32,695.45 Cr	-	8.42%	5.28
Bajaj Holdings & Investment Ltd	-	13.63	₹1,20,749.01 Cr	1.8%	₹8,993.16 Cr	-	₹1,139.25 Cr	-	12.4%	0
Muthoot Finance Ltd	-	9.76	₹1,11,046.18 Cr	1.08%	₹11,457.46 Cr	-	₹33,430.7 Cr	-	14.43%	3.88
Power Finance Corporation Ltd	-	4.18	₹1,08,952.86 Cr	5.62%	₹33,641.82 Cr	-	₹1,15,431.43 Cr	-	9.81%	7.62
SBI Funds Management Ltd	-	-	₹1,06,475.16 Cr	-	-	-	-	-	-	0
Aditya Birla Capital Ltd	-	25.05	₹1,04,186.93 Cr	-	₹4,118.85 Cr	-	₹48,185.84 Cr	-	8.39%	5.2
Indian Railway Finance Corporation Ltd	-	14.28	₹1,02,653.11 Cr	1.34%	₹7,190.69 Cr	-	₹28,630.42 Cr	-	5.78%	7.69
HDFC Asset Management Company Ltd	-	26.91	₹98,766 Cr	2.34%	₹2,947.64 Cr	-	₹4,253.73 Cr	-	41.46%	0
REC Ltd	-	4.99	₹79,918.35 Cr	6.11%	₹16,035.21 Cr	-	₹59,202.49 Cr	-	9.42%	6.09
L&T Finance Ltd	-	22.07	₹70,266.92 Cr	0.98%	₹3,198.02 Cr	-	₹18,897.97 Cr	-	8.23%	3.93
Nippon Life India Asset Management Ltd	-	42.74	₹70,191.49 Cr	1.96%	₹1,635.54 Cr	-	₹2,869 Cr	-	45.49%	0
Bajaj Housing Finance Ltd	-	25.54	₹68,733.43 Cr	-	₹2,692.32 Cr	-	₹11,604.2 Cr	-	8.35%	4.6
SBI Cards & Payment Services Ltd	-	24.73	₹56,249.93 Cr	0.42%	₹2,275.15 Cr	-	₹20,063.29 Cr	-	10.14%	2.8
HDB Financial Services Ltd	-	23.24	₹52,882.54 Cr	0.16%	₹2,175.9 Cr	-	₹16,300.3 Cr	-	9.03%	5.52

Quarterly Results

📊 Jun 2026: Revenue grew 140.2% YoY, Profit grew 169.6% YoY

	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	31.46	73.28	32.69	-16.48	75.58
↳ QoQ Growth	-	+132.9%	-55.4%	-150.4%	+558.6%
Expenses	2.3	1.5	2.65	2.18	1.24
Operating Profit	29.16	71.78	30.04	-18.66	74.35
OPM %	92.69%	97.95%	91.89%	113.23%	98.37%
Other Income	0	0	0	0	0
Interest	0.49	0.68	1.25	0.57	0
Depreciation	0.01	0	0	0.01	0
EBITDA	29.17	71.78	30.04	-18.65	74.35
EBITDA Margin %	92.72%	97.95%	91.89%	113.17%	98.37%
Profit Before Tax	29.16	71.78	30.04	-18.66	74.35
Tax %	19.14%	15.99%	17.64%	12.59%	14.51%
Net Profit	23.58	60.3	24.75	-16.31	63.56
↳ QoQ Growth	-	+155.7%	-59.0%	-165.9%	+489.7%
EPS	221.34	615.32	233.27	-148.86	579.97

Profit & Loss

	Mar 2026	TTM
Sales	120.95	165.07
Expenses	8.63	7.57
Operating Profit	112.32	157.51
OPM %	92.86%	95.42%
Other Income	0	0
Interest	2.99	2.5
Depreciation	0.02	0.01
Profit Before Tax	112.32	157.51
Tax %	17.82%	16.01%
Net Profit	92.32	132.3
EPS	921.07	1279.7

Compounded Sales Growth

10Y

TTM

Compounded Profit Growth

10Y

TTM

Stock Price CAGR

10Y

-19.78%

Return on Equity

10Y

Last Year

13.67%

Balance Sheet

	Mar 2025	Mar 2026
Equity Capital	1.0959	1.1
Reserves	966.466	1100.33
Borrowings	42.66	0.12
Other Liabilities	98.41	116.59
Total Liabilities	1108.6345	1218.14
Fixed Assets	0.0459	0.05
CWIP	0	0
Investments	1083.92	1097.12
Other Assets	24.67	120.97
Total Assets	1108.6345	1218.14

Cash Flows

	Mar 2025
Cash from Operating Activity	8.7433
Cash from Investing Activity	-108.1656
Cash from Financing Activity	119.6298
Net Cash Flow	20.2075

Ratios

	Mar 2026
Debtor Days	-
Inventory Days	-
Days Payable	-
Cash Conversion Cycle	-
Working Capital Days	3675.71
ROCE %	9.22%

Shareholding Pattern

	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters %	73.99%	73.99%	74.88%	74.88%
FIIs %	0%	0%	0%	0%
DIIs %	0%	0%	0%	0%
Public %	9.21%	9.21%	8.31%	8.31%
No. of Shareholders	3,161	2,968	2,905	2,826

Major Shareholders (>1%)

As of 2026-06-30View all shareholders →

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