Sai Capital Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has delivered good profit growth of 21.0% CAGR over last 5 years
- Attractively priced for its growth - PEG of 0.1
CONS
- Company is loss-making at the operating / net level
- A large part of profit comes from other income (130.8% of PBT)
- Recent results are weak - TTM profit is down 21.2% versus prior year
- Company has a low return on capital employed of 2.6%
- Company has a low return on equity of 0.9% over last 3 years
- Company's sales have been declining over the last five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1917.30 | 30.28 | 307163.22 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 546.65 | 22.13 | 46422.91 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 13.85 | 88.91 |
| CHOLAHLDNG | 1525.75 | 10.74 | 28650.15 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13000.05 | 13.35 | 26301.84 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 266.10 | 22.71 | 25602.92 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13002.55 | 53.35 | 14860.05 | 1.69 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11435.95 | 92.40 | 12693.48 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 124.75 | 11.48 | 11938.08 | 2.61 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 437.25 | 19.95 | 9711.49 | 2.55 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 256.95 | 161.25 | 8857.93 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2282.95 | 7.87 | 7326.12 | 1.82 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| SAICAPI | 158.10 | 3.67 | 45.52 | 0.00 | 3.40 | 9.22 | 0.23 | 51.33 | 5.09 | -278.41 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 1 | 1 | 1 | 18 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | |
| Operating Profit | -1 | -1 | -1 | -18 | -1 | -1 | -1 | -1 | -1 | -1 | -0 | -0 | -1 |
| OPM % | -1010.00% | -645.00% | -527.27% | -36680.00% | -862.50% | -854.55% | -304.55% | -500.00% | -420.00% | -464.29% | -200.00% | -328.57% | -566.52% |
| 4 | 4 | 5 | 4 | 4 | 5 | 5 | 9 | 6 | 7 | 7 | 5 | 6 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before Tax | 2 | 2 | 3 | -15 | 3 | 3 | 4 | 7 | 4 | 5 | 5 | 4 | 5 |
| Tax % | 44.05% | 53.73% | 76.67% | -5.37% | 36.39% | 39.71% | 36.49% | 29.65% | 29.32% | 30.87% | 31.14% | 34.46% | 30.33% |
| Net Profit | 0 | 0 | 0 | 0 | 2 | 2 | 2 | 5 | 3 | 4 | 4 | 2 | 3 |
| 3.20 | 3.15 | 2.36 | -53.53 | 6.39 | 5.77 | 7.94 | 17.49 | 10.81 | 12.37 | 12.37 | 8.06 | 11.81 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| 180 | 191 | 89 | 2 | 1 | 0 | 1 | 1 | 1 | |
| 151 | 168 | 92 | 2 | 10 | 22 | 3 | 3 | 4 | |
| Operating Profit | 29 | 23 | -4 | -0 | -9 | -21 | -3 | -2 | -3 |
| OPM % | 16.21% | 11.85% | -4.03% | -19.83% | -1535.08% | -4721.09% | -558.60% | -334.09% | -385.01% |
| 20 | 20 | 13 | 17 | 15 | 17 | 23 | 24 | 24 | |
| Interest | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 |
| Depreciation | 1 | 1 | 1 | 0 | 0 | 3 | 3 | 2 | 2 |
| Profit before Tax | 48 | 42 | 9 | 16 | 5 | -8 | 16 | 18 | 19 |
| Tax % | 35.84% | 25.29% | 43.20% | 28.90% | 49.76% | -60.02% | 33.92% | 31.22% | 31.48% |
| Net Profit | 31 | 31 | 5 | 11 | 3 | -13 | 11 | 13 | 13 |
| EPS | 0.00 | 106.08 | 16.46 | 37.60 | 8.81 | -44.82 | 36.88 | 42.73 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- -62%
- 3 Years:
- 4%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 21%
- 3 Years:
- 69%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 1%
- 3 Years:
- 1%
- Last Year:
- 3%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Minority Interest | 6 | 7 | 7 | 7 | 7 | 7 | 7 | 7 |
| 305 | 336 | 340 | 351 | 353 | 340 | 351 | 363 | |
| 1 | 2 | 2 | 2 | 15 | 16 | 19 | 14 | |
| Trade Payables | 1 | 4 | 0 | 0 | 0 | 0 | 0 | 0 |
| 21 | 12 | 4 | 5 | 3 | 4 | 6 | 0 | |
| Total Liabilities | 338 | 363 | 355 | 368 | 381 | 370 | 386 | 388 |
| 6 | 5 | 7 | 4 | 33 | 52 | 50 | 47 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 0 |
| 7 | 8 | 1 | 1 | 1 | 1 | 1 | 1 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 92 | 46 | 42 | 22 | 16 | 28 | 15 | 9 |
| 233 | 304 | 306 | 341 | 306 | 288 | 320 | 330 | |
| Total Assets | 338 | 363 | 355 | 368 | 381 | 370 | 386 | 388 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| 52 | 2 | 3 | 0 | 4 | -6 | -61 | -52 | |
| Cash from Investing | -27 | -45 | -5 | -8 | -7 | 20 | 49 | 47 |
| Cash from Financing | 0 | 0 | -0 | 0 | 2 | -2 | -0 | -0 |
| 9 | -54 | -6 | -10 | -6 | 12 | -13 | -5 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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News
Recent coverage and analyst commentary for SAICAPI
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Sai Capital Ltd.
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