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

No announcements filed.

News

Recent coverage and analyst commentary for SAKTHIFIN

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Sakthi Finance Ltd.

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Free 5nance Account

Name

BAJFINANCE

1060.50

32.52

660262.45

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1041.00

21.64

244945.59

1.04

3452.77

59.90

13400.43

17.46

11.49

74.63

TATACAP

375.00

29.46

159182.59

0.15

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

239.85

76.64

158376.35

0.25

8302.50

2457.29

20044.70

3172.82

2.11

69.71

CHOLAFIN

1839.00

27.31

157062.74

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

BAJAJHLDNG

11148.75

14.01

124078.35

1.75

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2920.00

10.31

117228.79

1.03

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

404.80

27.00

110815.96

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

314.00

24.73

78699.47

0.88

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

657.90

27.52

62608.60

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

682.25

26.05

56678.94

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

SAKTHIFIN

27.31

30.14

176.71

2.93

4.18

1.55

51.00

-3.48

10.48

72.39

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

Operating Profit

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

Interest

Depreciation

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

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

TTM

168

166

168

170

171

181

192

207

215

204

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

Interest

103

100

101

105

108

109

116

120

124

Depreciation

Profit before Tax

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

EPS

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%

—

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

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

246

196

289

Total Liabilities

1,080

1,079

1,094

1,101

1,220

1,238

1,267

1,297

1,421

1,363

Capital Work in Progress

922

904

902

Cash & Bank

100

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

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

200

-31

103

159

Cash from Investing

-9

-7

-9

-14

Cash from Financing

-90

109

-6

-3

100

-57

-104

-4

-22

-49

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

0.60

0.70

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

Inventory Days

1957

1985

Payable Days

1960

1988

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

1.19x

1.14x

1.12x

1.16x

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%

25.71%

6.02%

VALUATION

P/E (x)

0.00x

19.76x

17.15x

P/B (x)

0.00x

1.42x

1.24x

Dividend Yield %

0.00%

1.67%

1.81%

0.00x

9.69x

9.01x

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

67.02

FIIs

0.00

DIIs

0.00

Government

0.00

32.98

Sakthi Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

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Sakthi Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI