SIL Investments Ltd.

•

silinvestments.inBSE: 521194NSE: SILINV

Market Cap₹ 505 Cr.

Current Price

High / Low₹ 767 / 380

Stock P/E12.5

Book Value₹ 1,924

Price to Book0.20

Dividend Yield0.52 %

ROCE1.9 %

ROE1.4 %

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

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

Financial ServicesFinanceFinance - NBFC

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

S.No.	Name
1.	BAJFINANCE	1057.00	32.41	658083.37	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1046.85	21.76	246322.08	1.03	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	JIOFIN	237.00	75.73	156494.46	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
4.	CHOLAFIN	1820.00	27.03	155440.01	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	TATACAP	364.85	28.66	154874.05	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
6.	BAJAJHLDNG	11090.30	13.94	123427.84	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2935.45	10.36	117849.06	1.02	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.90	26.47	108651.86	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	312.10	24.58	78223.26	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	633.05	26.48	60243.77	0.39	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	674.80	25.76	56060.02	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	SILINV	476.80	10.09	505.21	0.52	20.54	150.79	23.55	87.35	1.79	90.66

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
	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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	63.79	63.79	63.79	63.79	63.79	63.79	63.79	63.79	63.79
	0.10	0.30	0.09	0.09	0.09	0.09	0.09	0.09	0.09
	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.02	0.02
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	36.06	35.85	36.06	36.06	36.06	36.06	36.06	36.09	36.09

Documents

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

2026-08-14

Copy of Newspaper Publication

2026-08-14 - SIL Investments Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-13

Outcome of Board Meeting

2026-08-13 - SIL Investments Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

2026-08-02

Cessation

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

Shareholders meeting

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

Shareholders meeting

2026-07-31 - SIL Investments Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 31, 2026

2026-07-28

Copy of Newspaper Publication

2026-07-28 - SIL Investments Limited has informed the Exchange about Copy of Newspaper Publication

2026-07-08

Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-08 - SIL Investments Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-08

Copy of Newspaper Publication

2026-07-08 - SIL Investments Limited has informed the Exchange about Notice of 92nd Annual General Meeting - Newspaper Publication

2026-07-07

General Updates

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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Free 5nance Account

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

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

-1

Operating Profit

-0

-3

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

Interest

Depreciation

-1

-4

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

-4

-1

-4

Equity Capital

Reserves

Promoter Pledge %

0.00%

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

169

Operating Profit

166

—

OPM %

106

100

—

Other Income

Interest

Depreciation

162

Tax %

Net Profit

129

EPS

—

Dividend Payout %

—

Minority Interest

Share of Associates

Adjusted EPS

122

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

194

321

888

674

1,114

1,858

1,365

1,750

2,576

2,016

179

108

107

251

157

Total Liabilities

278

337

903

688

1,158

2,047

1,484

1,867

2,838

2,183

ASSETS

Capital Work in Progress

130

216

841

609

1,053

1,851

1,347

1,719

2,704

2,029

Cash & Bank

145

116

Total Assets

278

337

903

688

1,158

2,047

1,484

1,867

2,838

2,183

Total Debt

Net Working Capital

185

175

201

217

156

129

209

137

Contingent Liabilities

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

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-8

-66

-18

Cash from Investing

-65

-5

-62

-77

-36

-6

Cash from Financing

-2

-3

-6

-48

-3

-4

-9

-11

-1

Free Cash Flow

-8

-66

-18

-76

-4

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

-2

-70

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

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%

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

Inventory Days

Payable Days

FINANCIAL HEALTH

Debt to Equity (x)

0.35x

0.00x

0.03x

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%

2.55%

10.97%

24.14%

VALUATION

P/E (x)

0.00x

20.67x

22.96x

12.18x

P/B (x)

0.00x

0.28x

0.24x

0.20x

Dividend Yield %

0.00%

0.54%

0.44%

0.66%

0.00x

13.16x

15.66x

8.61x

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

63.79

0.10

0.30

0.09

0.05

0.02

Government

0.00

36.06

35.85

36.06

36.09

SIL Investments Ltd.

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SIL Investments 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