Sakthi Finance Ltd.

•

sakthifinance.comBSE: -NSE: SAKTHIFIN

Market Cap₹ 177 Cr.

Current Price

High / Low₹ 20 / 17

Stock P/E10.2

Book Value₹ 38

Price to Book1.24

Dividend Yield2.93 %

ROCE10.5 %

ROE7.4 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 18.6%
Company has been maintaining a healthy dividend payout of 31.1%
Company generates healthy free cash flow
Company has a consistent dividend-paying track record
Attractively priced for its growth - PEG of 0.5
Offers a healthy dividend yield of 2.9%

CONS

Net NPA is elevated at 2.4% - provisioning cushion is thin
Asset quality is weak - gross NPA at 4.4%
Company has a low return on equity of 7.0% over last 3 years
Company has a low return on capital employed of 10.2%
Company has delivered a poor sales growth of 4.8% over past five years
Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	8302.50	2457.29	20044.70	3172.82	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110815.96	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	SAKTHIFIN	27.31	30.14	176.71	2.93	4.18	1.55	51.00	-3.48	10.48	72.39

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	48	50	52	54	52	53	54	52	53	52	54	47	51
	15	16	16	17	17	17	17	16	15	14	20	10	46
Operating Profit	34	36	36	37	36	38	38	37	39	39	35	40	37
OPM %	70.75%	71.35%	70.15%	69.24%	69.35%	71.08%	69.69%	71.13%	73.05%	74.52%	64.45%	84.20%	72.39%
Other Income	0	0	0	0	0	0	0	0	0	0	4	0	0
Interest	28	29	29	30	29	31	30	30	31	32	32	31	29
Depreciation	1	1	1	1	2	1	1	1	2	2	2	2	2
	5	5	6	6	5	6	6	6	6	5	5	7	6
Tax %	24.23%	27.75%	25.90%	29.27%	29.07%	37.37%	23.63%	25.20%	29.09%	31.14%	31.19%	15.87%	24.39%
Net Profit	3	4	4	4	4	4	5	5	4	4	4	6	4
	1	1	1	1	1	1	1	1	1	1	1	1	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	168	168	166	168	170	171	181	192	207	215	204
	42	44	47	50	50	49	56	60	64	66	90
Operating Profit	126	124	119	118	120	122	126	132	143	149	114
OPM %	75.07%	74.07%	71.82%	70.45%	70.35%	71.14%	69.22%	68.80%	69.21%	69.18%	56.10%
	-0	4	3	0	0	0	0	0	0	0	4
Interest	103	103	100	100	101	105	108	109	116	120	124
Depreciation	3	3	3	4	5	4	5	5	6	6	7
Profit before Tax	20	21	19	14	14	13	13	17	21	23	23
Tax %	38.60%	20.65%	35.67%	30.58%	20.21%	26.38%	26.33%	28.03%	26.88%	28.63%	25.12%
Net Profit	13	17	12	10	11	9	10	12	16	17	17
EPS	0.00	0.00	0.00	0.00	2.19	1.45	1.52	1.93	2.43	2.57	—
Dividend Payout %	43.54%	29.84%	41.92%	52.22%	34.73%	41.93%	40.79%	36.25%	32.96%	31.09%	—

COMPOUNDED SALES GROWTH

10 Years:: 4%
5 Years:: 5%
3 Years:: 6%

COMPOUNDED PROFIT GROWTH

10 Years:: 0%
5 Years:: 8%
3 Years:: 20%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: 62%

RETURN ON EQUITY

10 Years:: 8%
5 Years:: 6%
3 Years:: 7%
Last Year:: 7%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	50	50	50	50	65	65	65	65	65	65
	95	103	108	110	122	127	133	142	154	165
	688	730	646	902	998	1,015	1,056	1,074	1,180	1,113
Trade Payables	0	0	0	4	3	3	3	3	3	6
	246	196	289	34	33	28	11	12	19	14
Total Liabilities	1,080	1,079	1,094	1,101	1,220	1,238	1,267	1,297	1,421	1,363
	65	65	63	84	79	73	72	71	68	66
Capital Work in Progress	1	0	1	0	0	0	0	0	0	0
	23	26	27	28	27	27	25	13	14	23
	922	904	902	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	0	2	1
Cash & Bank	38	36	52	41	16	17	26	30	100	51
	31	49	49	948	1,098	1,121	1,144	1,182	1,237	1,222
Total Assets	1,080	1,079	1,094	1,101	1,220	1,238	1,267	1,297	1,421	1,363

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	10	84	200	88	-31	103	98	95	94	159
Cash from Investing	-9	2	5	4	5	2	-7	20	-9	-14
Cash from Financing	8	27	-90	9	109	-6	5	-3	100	-57
	-104	4	6	-4	-22	3	1	16	63	-49

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
PER SHARE
EPS (₹)	2.30	3.35	2.39	1.91	1.73	1.43	1.47	1.93	2.43	2.57
Book Value (₹)	25.02	27.02	28.02	32.07	28.82	29.67	30.59	31.97	33.75	35.47
Dividend per Share (₹)	1.00	1.00	1.00	1.00	0.60	0.60	0.60	0.70	0.80	0.80
Cash EPS (₹)	3.08	3.99	3.05	2.79	2.45	2.08	2.23	2.78	3.34	3.49
PROFITABILITY
Operating Margin %	77.48%	76.16%	73.38%	70.48%	70.35%	71.28%	69.26%	68.87%	69.21%	69.18%
Net Margin %	7.45%	9.98%	7.19%	5.70%	6.57%	5.40%	5.25%	6.51%	7.60%	7.75%
ROE %	10.18%	12.88%	8.67%	6.37%	6.45%	4.89%	4.88%	6.17%	7.39%	7.44%
ROCE %	12.68%	12.56%	11.64%	10.90%	10.20%	9.85%	9.82%	10.00%	10.26%	10.48%
	1.12%	1.55%	1.10%	0.87%	0.96%	0.75%	0.76%	0.97%	1.16%	1.20%
EFFICIENCY
Debtor Days	3	3	3	3	4	4	4	4	4	2
Inventory Days	1957	1985	1985	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0
	1960	1988	1988	3	4	4	4	4	4	2
FINANCIAL HEALTH
Debt to Equity (x)	6.18x	5.94x	5.76x	5.66x	5.37x	5.28x	5.32x	5.19x	5.38x	4.83x
Interest Coverage (x)	1.20x	1.20x	1.19x	1.14x	1.14x	1.12x	1.12x	1.16x	1.19x	1.19x
	2.08x	3.07x	2.14x	4.06x	4.52x	4.29x	6.56x	7.17x	0.25x	0.23x
GROWTH
Revenue Growth %	14.47%	-0.13%	-1.09%	1.25%	1.29%	0.65%	5.84%	5.77%	7.79%	3.99%
Operating Profit Growth %	14.18%	-1.83%	-4.70%	-2.75%	1.11%	1.97%	2.84%	5.18%	8.32%	4.22%
Net Profit Growth %	-20.96%	33.77%	-28.82%	-19.72%	16.76%	-17.19%	2.82%	31.25%	25.71%	6.02%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	25.71%	6.02%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	19.76x	17.15x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.42x	1.24x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.67%	1.81%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	9.69x	9.01x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	67.02	67.02	67.02	67.02	67.02	67.02	67.02	67.02	67.02
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	32.98	32.98	32.98	32.98	32.98	32.98	32.98	32.98	32.98

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

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