Sumedha Fiscal Services Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2019 • Investment Banking: 61.1% • Capitals Market Operation: 38.9%
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
- Solid return on assets for a lender - ROA of 3.6%
- Company has delivered good sales growth of 40.5% CAGR over last 5 years
- Company has consistently been profitable over the last 5 years
- Company has been maintaining a healthy dividend payout of 33.0%
- Company generates healthy free cash flow
- Company has a consistent dividend-paying track record
CONS
- Recent results are weak - TTM profit is down 68.0% versus prior year
- Company has a low return on equity of 9.9% over last 3 years
- Company has delivered a poor profit growth of -22.1% over past five years
- Valuation is stretched - P/E of 11.8 is well above its own 5-year median (7.3)
* 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 |
| SUMEDHA | 41.60 | 11.80 | 33.22 | 2.40 | 3.31 | 13.56 | 22.32 | 14.27 | 4.91 | 19.80 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 17 | 25 | 20 | 33 | 34 | 34 | 17 | 16 | 20 | 33 | 27 | 28 | 22 | |
| 14 | 23 | 19 | 31 | 31 | 33 | 16 | 16 | 16 | 31 | 27 | 31 | 18 | |
| Operating Profit | 3 | 3 | 1 | 2 | 3 | 1 | 2 | 0 | 3 | 2 | 1 | -3 | 4 |
| OPM % | 15.50% | 11.79% | 7.43% | 6.67% | 8.27% | 3.75% | 10.27% | 3.07% | 17.51% | 6.36% | 2.14% | -9.52% | 19.80% |
| Other Income | 0 | 0 | 1 | 0 | 0 | 3 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 2 | 3 | 2 | 2 | 3 | 4 | 2 | 0 | 4 | 2 | 0 | -3 | 4 | |
| Tax % | 14.05% | 29.89% | 20.19% | -2.88% | 23.35% | 32.35% | 10.66% | -106.90% | 24.08% | 20.86% | 28.57% | 22.18% | 23.57% |
| Net Profit | 0 | 0 | 0 | 0 | 2 | 3 | 2 | 3 | 3 | 2 | 0 | -2 | 3 |
| 3 | 3 | 2 | 2 | 2 | 4 | 2 | 0 | 4 | 2 | 0 | -3 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 16 | 21 | 18 | 18 | 20 | 57 | 61 | 96 | 102 | 110 | 111 | |
| 11 | 17 | 12 | 21 | 10 | 51 | 58 | 86 | 96 | 106 | 108 | |
| Operating Profit | 4 | 4 | 6 | -3 | 10 | 5 | 2 | 9 | 6 | 3 | 3 |
| OPM % | 27.74% | 19.65% | 31.14% | -17.16% | 51.56% | 9.19% | 3.67% | 9.67% | 6.12% | 3.08% | 2.50% |
| 1 | 1 | 1 | 0 | 0 | 0 | 0 | 1 | 4 | 1 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before Tax | 5 | 5 | 6 | -4 | 10 | 5 | 2 | 9 | 9 | 3 | 4 |
| Tax % | 30.58% | 19.90% | 25.68% | 8.31% | 13.33% | 39.96% | 21.52% | 16.79% | 20.96% | 23.94% | 23.77% |
| Net Profit | 4 | 4 | 4 | -3 | 8 | 3 | 2 | 8 | 7 | 2 | 3 |
| EPS | 0.00 | 0.00 | 0.00 | -3.58 | 10.84 | 3.83 | 1.91 | 9.58 | 9.12 | 3.03 | — |
| Dividend Payout % | 22.20% | 21.86% | 17.74% | -16.77% | 9.22% | 26.08% | 52.26% | 10.43% | 10.97% | 32.98% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 26%
- 5 Years:
- 41%
- 3 Years:
- 22%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 7%
- 5 Years:
- -22%
- 3 Years:
- 17%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 8%
- 5 Years:
- 8%
- 3 Years:
- 10%
- Last Year:
- 4%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 |
| 28 | 31 | 34 | 30 | 39 | 42 | 43 | 49 | 57 | 57 | |
| 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Trade Payables | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 3 | 4 | 6 | 1 | 1 | 5 | 3 | 4 | 5 | 4 | |
| Total Liabilities | 40 | 45 | 49 | 41 | 48 | 55 | 54 | 61 | 70 | 70 |
| 8 | 10 | 9 | 11 | 13 | 12 | 13 | 12 | 11 | 11 | |
| 8 | 10 | 9 | 9 | 10 | 11 | 14 | 18 | 25 | 24 | |
| 5 | 5 | 7 | 4 | 11 | 13 | 15 | 15 | 15 | 17 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 3 | |
| Cash & Bank | 9 | 9 | 12 | 5 | 5 | 8 | 4 | 5 | 7 | 2 |
| 10 | 12 | 12 | 12 | 10 | 11 | 7 | 11 | 9 | 13 | |
| Total Assets | 40 | 45 | 49 | 41 | 48 | 55 | 54 | 61 | 70 | 70 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 5 | 4 | -3 | 4 | 5 | 1 | 3 | 2 | -3 | |
| Cash from Investing | -1 | -3 | 3 | -3 | -4 | -2 | -1 | -2 | -2 | 5 |
| Cash from Financing | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 |
| 2 | -0 | 5 | -7 | -2 | 1 | -1 | 1 | -1 | 1 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | 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
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