SIL Investments 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
- Asset quality is healthy - gross NPA of just 0.0%
- Solid return on assets for a lender - ROA of 1.3%
- Latest quarter profit grew 159.8% YoY, showing strong momentum
- Company has delivered good sales growth of 17.4% CAGR over last 5 years
- Stock looks reasonably valued - P/E of 12.5 is below its historical median
- Company generates healthy free cash flow
CONS
- Company has a low return on capital employed of 1.8%
- Company has a low return on equity of 1.4% over last 3 years
- Operating margins have contracted to 85.4% from 99.6%
- Thin net interest margin of 0.0%
- Though reporting repeated profits, the company pays out little dividend (8.1%)
- Company's return on assets is weak at 1.3%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1057.00 | 32.41 | 658083.37 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1046.85 | 21.76 | 246322.08 | 1.03 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| JIOFIN | 237.00 | 75.73 | 156494.46 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| CHOLAFIN | 1820.00 | 27.03 | 155440.01 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 364.85 | 28.66 | 154874.05 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| BAJAJHLDNG | 11090.30 | 13.94 | 123427.84 | 1.76 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2935.45 | 10.36 | 117849.06 | 1.02 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 396.90 | 26.47 | 108651.86 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 312.10 | 24.58 | 78223.26 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 633.05 | 26.48 | 60243.77 | 0.39 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 674.80 | 25.76 | 56060.02 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| SILINV | 476.80 | 10.09 | 505.21 | 0.52 | 20.54 | 150.79 | 23.55 | 87.35 | 1.79 | 90.66 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 15 | 19 | 4 | 5 | 19 | 21 | 1 | 8 | 22 | 23 | -1 | 14 | |
| 1 | 2 | 3 | 3 | 2 | 2 | 4 | 2 | 2 | 2 | 2 | 2 | 2 | |
| Operating Profit | 1 | 14 | 15 | 1 | 3 | 17 | 17 | -0 | 6 | 21 | 21 | -3 | 13 |
| OPM % | 51.37% | 89.99% | 81.68% | 22.22% | 63.04% | 87.98% | 81.45% | -37.84% | 74.97% | 92.11% | 92.65% | 267.19% | 88.05% |
| Other Income | 1 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 1 | 14 | 15 | 1 | 2 | 17 | 16 | -1 | 6 | 20 | 21 | -4 | 12 | |
| Tax % | 20.81% | 32.28% | 37.52% | -47.86% | 24.79% | 20.04% | 20.72% | -60.24% | 25.12% | 21.94% | 19.54% | -5.81% | -3.57% |
| Net Profit | 1 | 10 | 9 | 2 | 2 | 13 | 13 | -1 | 5 | 16 | 17 | -4 | 12 |
| 1 | 9 | 9 | 2 | 2 | 12 | 12 | -1 | 5 | 15 | 16 | -4 | 1 | |
| Equity Capital | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 30 | 169 | 22 | 34 | 23 | 43 | 36 | 40 | 45 | 52 | 58 | |
| 3 | 3 | 4 | 4 | 5 | 6 | 5 | 9 | 9 | 8 | 8 | |
| Operating Profit | 27 | 166 | 21 | 36 | 23 | 37 | 35 | 34 | 37 | 45 | — |
| OPM % | 90 | 98 | 97 | 106 | 98 | 87 | 100 | 84 | 81 | 87 | — |
| Other Income | 0 | 0 | 3 | 6 | 4 | 0 | 5 | 2 | 1 | 1 | 0 |
| Interest | 6 | 4 | 0 | 0 | 0 | 1 | 4 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 2 | 2 |
| 20 | 162 | 21 | 35 | 23 | 35 | 30 | 32 | 34 | 43 | 49 | |
| Tax % | 15 | 20 | 17 | 11 | 24 | 18 | 23 | 25 | 23 | 24 | 17 |
| Net Profit | 17 | 129 | 18 | 32 | 17 | 29 | 23 | 24 | 26 | 33 | 41 |
| EPS | 0 | 0 | 0 | 30 | 16 | 27 | 22 | 23 | 25 | 31 | — |
| Dividend Payout % | 9 | 1 | 9 | 8 | 15 | 9 | 11 | 11 | 10 | 8 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 16 | 122 | 17 | 30 | 16 | 27 | 22 | 23 | 25 | 31 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 8%
- 5 Years:
- 17%
- 3 Years:
- 14%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 10%
- 5 Years:
- 14%
- 3 Years:
- 12%
STOCK PRICE CAGR
- 10 Years:
- 17%
- 5 Years:
- 12%
- 3 Years:
- 13%
- 1 Year:
- -18%
RETURN ON EQUITY
- 10 Years:
- 7%
- 5 Years:
- 2%
- 3 Years:
- 1%
- Last Year:
- 1%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 |
| 194 | 321 | 888 | 674 | 1,114 | 1,858 | 1,365 | 1,750 | 2,576 | 2,016 | |
| 72 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 2 | 6 | 5 | 3 | 34 | 179 | 108 | 107 | 251 | 157 | |
| Total Liabilities | 278 | 337 | 903 | 688 | 1,158 | 2,047 | 1,484 | 1,867 | 2,838 | 2,183 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 2 | 2 | 2 | 0 | 0 | 82 | 81 | 97 | 96 | 93 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 |
| 130 | 216 | 841 | 609 | 1,053 | 1,851 | 1,347 | 1,719 | 2,704 | 2,029 | |
| Cash & Bank | 1 | 3 | 5 | 20 | 59 | 70 | 49 | 50 | 37 | 10 |
| 145 | 116 | 56 | 59 | 46 | 45 | 3 | 2 | 1 | 51 | |
| Total Assets | 278 | 337 | 903 | 688 | 1,158 | 2,047 | 1,484 | 1,867 | 2,838 | 2,183 |
| Total Debt | 72 | 0 | 0 | 0 | 0 | 49 | 46 | 0 | 0 | 0 |
| Net Working Capital | 75 | 185 | 175 | 201 | 217 | 156 | 129 | 209 | 137 | 56 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 0 | 0 |
| Book Value per Share | 192.78 | 312.54 | 848.08 | 646.41 | 1061.02 | 1763.28 | 1298.27 | 1661.44 | 2440.92 | 1912.16 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -8 | -66 | 68 | 22 | -18 | 6 | 95 | 10 | 42 | 8 | |
| Cash from Investing | 10 | 70 | -65 | -5 | 17 | -62 | -77 | 27 | -36 | -6 |
| Cash from Financing | -2 | -2 | -2 | -2 | -3 | 46 | -6 | -48 | -3 | -3 |
| 0 | 2 | 1 | 15 | -4 | -9 | 12 | -11 | 3 | -1 | |
| Free Cash Flow | -8 | -66 | 68 | 22 | -18 | -76 | 91 | -4 | 41 | 8 |
| OCF / Net Profit | -0.49 | -0.51 | 3.89 | 0.71 | -1.06 | 0.21 | 4.06 | 0.42 | 1.57 | 0.25 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -2 | -70 | 87 | 14 | 33 | 60 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 16.22 | 121.56 | 16.61 | 29.73 | 16.32 | 27.48 | 21.97 | 22.53 | 25.00 | 31.04 |
| Book Value (₹) | 192.78 | 312.54 | 848.08 | 646.41 | 1061.02 | 1763.28 | 1298.27 | 1661.44 | 2440.92 | 1912.16 |
| Dividend per Share (₹) | 1.50 | 1.50 | 1.50 | 2.50 | 2.50 | 2.50 | 2.50 | 2.50 | 2.50 | 2.50 |
| Cash EPS (₹) | 16.35 | 121.69 | 16.73 | 29.85 | 16.44 | 27.98 | 23.30 | 23.85 | 27.13 | 33.16 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 89.96% | 98.14% | 96.63% | 105.68% | 98.30% | 87.14% | 99.61% | 77.63% | 79.37% | 85.41% |
| Net Margin % | 57.96% | 76.36% | 79.17% | 93.64% | 74.10% | 68.01% | 65.56% | 59.22% | 58.52% | 63.25% |
| ROE % | 8.78% | 48.11% | 2.86% | 3.98% | 1.91% | 1.95% | 1.44% | 1.52% | 1.22% | 1.43% |
| ROCE % | 10.01% | 54.45% | 3.47% | 4.47% | 2.52% | 2.42% | 2.03% | 2.03% | 1.58% | 1.87% |
| 6.42% | 41.85% | 2.84% | 3.96% | 1.87% | 1.82% | 1.32% | 1.43% | 1.13% | 1.31% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | 0.35x | 0.00x | 0.00x | 0.00x | 0.00x | 0.03x | 0.03x | 0.00x | 0.00x | 0.00x |
| Interest Coverage (x) | 4.16x | 44.68x | 417.75x | 1063.71x | 205.69x | 27.10x | 9.24x | 69.86x | 2903.50x | 5756.44x |
| 2.02x | 34.90x | 144.38x | 181.43x | 195.16x | 101.67x | 93.26x | 77.85x | 88.96x | 28.04x | |
| GROWTH | ||||||||||
| Revenue Growth % | 26.50% | 468.83% | -86.82% | 51.33% | -30.63% | 83.46% | -17.04% | 13.51% | 12.31% | 14.86% |
| Operating Profit Growth % | 20.71% | 520.54% | -87.02% | 65.50% | -35.47% | 62.63% | -5.17% | -4.60% | 8.18% | 24.39% |
| Net Profit Growth % | 36.96% | 649.45% | -86.34% | 79.00% | -45.11% | 68.37% | -20.03% | 2.55% | 10.97% | 24.14% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.55% | 10.97% | 24.14% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 20.67x | 22.96x | 12.18x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.28x | 0.24x | 0.20x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.54% | 0.44% | 0.66% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 13.16x | 15.66x | 8.61x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-14 - SIL Investments Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-13 - SIL Investments Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-08-02 - SIL Investments Limited has informed the Exchange regarding Cessation of Mr. Abhrajit Dutta as Non- Executive Independent Director of the company w.e.f. August 02, 2026.
2026-08-01 - SIL Investments Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 31, 2026. Further, the company has informed the Exchange regarding voting results.
2026-07-31 - SIL Investments Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 31, 2026
2026-07-28 - SIL Investments Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-08 - SIL Investments Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-07-08 - SIL Investments Limited has informed the Exchange about Notice of 92nd Annual General Meeting - Newspaper Publication
2026-07-07 - SIL Investments Limited has informed the Exchange about General Updates
News
Recent coverage and analyst commentary for SILINV
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