Sumedha Fiscal Services Ltd (SUMEDHA)
🎯 Key Takeaways
- Sumedha Fiscal Services Ltd is a small-cap financial services firm operating in a niche segment with volatile profitability, currently navigating a turnaround phase marked by inconsistent operational performance and minimal scale. The company has shown early signs of stabilization in FY26, but profitability remains fragile and revenue trends lack sustained momentum.
- Revenue declined 22.3% QoQ to ₹22 in Q1FY27.
- ⚠️ 1) Persistent revenue volatility with no clear upward trend, undermining confidence in sustainable growth. 2) Historically negative operating margins
- Market Cap
- ₹36
- P/E Ratio
- 12.6
- P/B Ratio
- 0.55
- ROE
- 4.3%
- ROCE
- 5.7%
- Debt/Equity
- 0.00
- Div Yield
- 2.25%
- Promoter
- 50.3%
📖 The Story
Sumedha Fiscal Services Ltd is a small-cap financial services firm operating in a niche segment with volatile profitability, currently navigating a turnaround phase marked by inconsistent operational performance and minimal scale. The company has shown early signs of stabilization in FY26, but profitability remains fragile and revenue trends lack sustained momentum.
📰 What's Happening
In Q1FY27 (Jun 2026), the company reported revenue of ₹22 crore with operating profit of ₹4 crore, marking a return to positive operating performance after three consecutive quarters of decline or breakeven. This follows a recovery in Q3FY26 (Sep 2025) where revenue was ₹33 crore and operating profit ₹2 crore. Management has not announced any new strategic initiatives recently, but the sequential improvement in operating metrics suggests possible stabilization in core business activities. There have been no major disclosures on expansions, acquisitions, or leadership changes in the latest filings.
Source: Stock Announcements
📊 Quarterly Results (₹ Cr)
| Metric | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|
| Revenue | 20 | 33 | 28 | 29 | 22 |
| Operating Profit | 3 | 2 | 0 | -3 | 4 |
| OPM % | 16.3% | 5.6% | 1.3% | -10.2% | 18.9% |
| Net Profit | 3 | 2 | 0 | -2 | 3 |
| EPS | ₹3.65 | ₹1.97 | ₹0.30 | ₹-2.89 | ₹4.14 |
The company’s financial trajectory shows a sharp reversal in profitability: after reporting losses in Q4FY26 (Mar 2026) and Q2FY26 (Jun 2025), operating profit turned positive again in Q1FY27 (Jun 2026) and Q3FY26 (Sep 2025), indicating intermittent recovery. However, revenue has declined from a peak of ₹33 crore in Sep 2025 to ₹22 crore in Jun 2026, suggesting demand or pricing pressure. Margins remain highly volatile, swinging from 18.9% in Jun 2026 to -10.2% in Mar 2026, reflecting operational sensitivity to volume and cost structure.
🔮 Management Outlook & What's Next
Management has not provided forward guidance or strategic outlook in the latest available filings. There is no explicit commentary on future revenue expectations, margin targets, or business priorities in the Q1FY27 or prior quarter disclosures. The absence of guidance suggests limited confidence in near-term predictability or a deliberate restraint in forecasting amid uncertain conditions.
Extracted from official company announcements. Not StockFin.ai's opinion.
🏦 Balance Sheet (₹ Cr)
| Item | Mar 2025 | Mar 2025 | Mar 2026 | Mar 2026 |
|---|---|---|---|---|
| Equity Capital | 8 | 8 | 8 | 8 |
| Reserves | 57 | 54 | 57 | 60 |
| Borrowings | 0 | 0 | 0 | 0 |
| Total Liabilities | 68 | 65 | 69 | 73 |
| Fixed Assets | 13 | 13 | 11 | 13 |
| Investments | 25 | 27 | 26 | 25 |
| Total Assets | 68 | 65 | 69 | 73 |
The balance sheet remains extremely conservative, with zero borrowings and equity of just ₹8 crore as of Mar 2026, supported by reserves of ₹57–60 crore. Total assets have remained stable around ₹68–73 crore, indicating no significant capital investment or expansion. This suggests the company is not currently funding growth through debt and may be prioritizing capital preservation over aggressive reinvestment.
💰 Cash Flow Statement (₹ Cr)
| Item | Mar 2026 |
|---|---|
| Operating | -3 |
| Investing | +5 |
| Financing | -1 |
| Net Cash Flow | +1 |
👥 Shareholding Pattern
| Category | Q2FY26 | Q3FY26 | Q4FY26 | Q1FY27 |
|---|---|---|---|---|
| Promoters | 48.3% | 48.3% | 50.3% | 50.3% |
| FII | 0.2% | 0.2% | 0.2% | 0.2% |
| DII | 0.0% | 0.0% | 0.0% | 0.0% |
| Public | 38.5% | 37.7% | 37.6% | 37.7% |
| # Shareholders | 8,351 | 8,170 | 8,024 | 7,903 |
Promoter holding has increased from 48.32% in Q2FY26 to 50.26% in Q1FY27, indicating confidence or reduced dilution pressure. However, institutional interest remains negligible, with FII holding flat at 0.17% and DII at 0% over the past year. The number of public shareholders has slightly declined, from 8,351 in Q2FY26 to 7,903 in Q1FY27, which may reflect retail profit-taking or consolidation. Overall, shareholding patterns show limited foreign interest and stable but low liquidity.
⚖️ Peer Comparison — Finance
| Company | MCap (₹ Cr) | P/E | ROCE | ROE | D/E |
|---|---|---|---|---|---|
| BAJFINANCE | 6.06 L Cr | 29.8 | 10.4% | — | 3.82 |
| BAJAJFINSV | 2.79 L Cr | 27.4 | 11.4% | — | 5.50 |
| SHRIRAMFIN | 2.29 L Cr | 17.2 | 11.5% | — | 3.80 |
| ICICIAMC | 1.60 L Cr | 32.1 | 111.5% | — | 0.00 |
| JIOFIN | 1.44 L Cr | 67.7 | 2.3% | — | 0.17 |
| TATACAP | 1.41 L Cr | 25.7 | 8.4% | — | 5.28 |
| CHOLAFIN | 1.39 L Cr | 24.1 | 9.3% | — | 6.93 |
| BAJAJHLDNG | 1.19 L Cr | 13.4 | 12.4% | — | 0.00 |
| MUTHOOTFIN | 1.10 L Cr | 9.7 | 14.4% | — | 3.88 |
| PFC | 1.07 L Cr | 4.1 | 9.8% | — | 7.62 |
🔗 Peer Stock Analyses
⚠️ Risk Factors
1) Persistent revenue volatility with no clear upward trend, undermining confidence in sustainable growth. 2) Historically negative operating margins and inconsistent profitability, suggesting underlying business model fragility. 3) Extremely low institutional ownership and thin public float may lead to high volatility and limited investor interest. 4) Lack of forward guidance or strategic clarity from management increases uncertainty around future performance.
📋 Recent Filings
- 🔴 Insider Trading2026-09-30Sumedha Fiscal Services disclosed insider purchases by promoter US Infotech Private Limited on September 28-30, 2026, acquiring 6,427, 5,000, and 4,80…
- Announcement2026-09-24Sumedha Fiscal Services Ltd announced the closure of its trading window effective October 1, 2026, until 48 hours after reporting Q2 and H1 results fo…
- 🔴 Insider Trading2026-09-16On September 15 and 16, 2026, US Infotech Private Limited, a promoter group entity, purchased 5,530 and 5,000 shares of Sumedha Fiscal Services Ltd at…
- 🔴 Insider Trading2026-09-11On September 10 and 11, 2026, US Infotech Private Limited, a promoter group entity, purchased 25,000 and 20,000 shares of Sumedha Fiscal Services Ltd …
🧠 Analyst's Read
Sumedha Fiscal Services remains a highly speculative entity with no clear growth trajectory or margin stability. Investors should monitor quarterly revenue trends and margin recovery for signs of sustainable improvement, but the lack of strategic guidance and small scale limit investment appeal.
Based on filing content and financial data. Not a recommendation.
Read the full analysis
Quarterly trends, balance sheet, cash flow, peer comparison, and AI insights — sign up free to unlock.
Sign Up Free — Unlock Full Analysis2 free AI queries per day.
Data sourced from stock announcements. Analysis generated by StockFin.ai.
For informational purposes only — not investment advice. Updated 2026-09-30.
Editorial & Data Transparency Notice
This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.
📡 Get AI alerts when SUMEDHA files new disclosures
Track SUMEDHA filings, board meetings, and corporate actions. Free email alerts at 5 PM.
Track SUMEDHA — FreeFree account · 2 AI queries/day