Summit Securities 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
- Company has delivered good profit growth of 35.8% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 98.2%
- Asset quality is healthy - gross NPA of just 0.0%
- Latest quarter profit grew 68.5% YoY, showing strong momentum
- Company has delivered good sales growth of 29.5% CAGR over last 5 years
- Operating margins have improved to 94.8% from 90.7%
CONS
- Company has a low return on capital employed of 1.3%
- Company has a low return on equity of 1.0% over last 3 years
- Free cash flow has been persistently negative
- Thin net interest margin of 0.0%
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Company's return on assets is weak at 0.9%
* 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 |
| SUMMITSEC | 1415.00 | 12.88 | 1542.60 | 0.00 | 35.29 | 74.83 | 40.89 | 48.47 | 1.52 | 96.94 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 6 | 22 | 9 | 11 | 11 | 40 | 0 | 5 | 12 | 47 | 8 | 6 | 19 | |
| 1 | 1 | 1 | 1 | 0 | 1 | 5 | 7 | 1 | 1 | 1 | 19 | 1 | |
| Operating Profit | 5 | 21 | 9 | 10 | 10 | 39 | -5 | -1 | 11 | 46 | 7 | -13 | 18 |
| OPM % | 90.23% | 96.46% | 93.98% | 93.91% | 95.90% | 97.76% | -1000.00% | -24.31% | 94.74% | 98.44% | 89.45% | -200.31% | 96.06% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
| 5 | 21 | 9 | 10 | 10 | 39 | -5 | -1 | 11 | 46 | 7 | -13 | 18 | |
| Tax % | 12.80% | 27.25% | 14.20% | 21.66% | 17.49% | 28.22% | 13.67% | -35.34% | 15.94% | 21.30% | 12.20% | 5.31% | 11.01% |
| Net Profit | 4 | 15 | 7 | 8 | 8 | 28 | -4 | -2 | 9 | 36 | 7 | -12 | 16 |
| 4 | 14 | 7 | 7 | 8 | 26 | -4 | -2 | 9 | 33 | 6 | -11 | 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 86 | 14 | 31 | 15 | 30 | 26 | 47 | 46 | 55 | 80 | |
| 1 | 2 | 2 | 7 | 2 | 3 | 2 | 3 | 3 | 3 | 22 | |
| Operating Profit | 1 | 84 | 12 | 24 | 13 | 28 | 24 | 45 | 43 | 52 | — |
| OPM % | 52 | 98 | 84 | 79 | 87 | 94 | 91 | 95 | 94 | 95 | — |
| Other Income | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 2 | 84 | 12 | 24 | 13 | 28 | 24 | 45 | 43 | 52 | 58 | |
| Tax % | -202 | 11 | 1 | -4 | 33 | 29 | 18 | 22 | 29 | 23 | 21 |
| Net Profit | 6 | 75 | 12 | 25 | 9 | 20 | 19 | 35 | 31 | 40 | 46 |
| EPS | 0 | 0 | 0 | 0 | 8 | 18 | 18 | 32 | 28 | 37 | — |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| 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 | 5 | 69 | 11 | 23 | 8 | 18 | 18 | 32 | 28 | 37 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 12%
- 5 Years:
- 30%
- 3 Years:
- 28%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 10%
- 5 Years:
- 36%
- 3 Years:
- 27%
STOCK PRICE CAGR
- 10 Years:
- 13%
- 5 Years:
- 15%
- 3 Years:
- 16%
- 1 Year:
- -36%
RETURN ON EQUITY
- 10 Years:
- 2%
- 5 Years:
- 1%
- 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 |
| 437 | 513 | 1,790 | 1,181 | 2,234 | 2,325 | 2,383 | 3,888 | 4,274 | 3,323 | |
| 4 | 4 | 164 | 80 | 219 | 231 | 236 | 435 | 623 | 444 | |
| Total Liabilities | 452 | 527 | 1,965 | 1,271 | 2,465 | 2,567 | 2,631 | 4,334 | 4,908 | 3,778 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 448 | 519 | 1,961 | 1,260 | 2,461 | 2,554 | 2,617 | 4,330 | 4,894 | 3,776 | |
| Cash & Bank | 3 | 0 | 3 | 10 | 3 | 12 | 14 | 2 | 2 | 0 |
| 1 | 8 | 1 | 1 | 1 | 1 | 1 | 1 | 13 | 1 | |
| Total Assets | 452 | 527 | 1,965 | 1,271 | 2,465 | 2,567 | 2,631 | 4,334 | 4,908 | 3,778 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Working Capital | 0 | 4 | -0 | 7 | -0 | 10 | 12 | 3 | 13 | 0 |
| Contingent Liabilities | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 |
| Book Value per Share | 410.90 | 480.13 | 1651.55 | 1092.88 | 2059.50 | 2142.30 | 2196.13 | 3576.39 | 3930.71 | 3058.35 |
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | -5 | 12 | 28 | -1 | 16 | 19 | 14 | 17 | 50 | |
| Cash from Investing | -7 | 2 | -9 | -21 | -6 | -6 | -18 | -25 | -17 | -51 |
| Cash from Financing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| -6 | -3 | 3 | 7 | -7 | 10 | 1 | -11 | -1 | -1 | |
| Free Cash Flow | 1 | -5 | 12 | 28 | -1 | 16 | 19 | 14 | 17 | 50 |
| OCF / Net Profit | 0.23 | -0.07 | 0.99 | 1.12 | -0.14 | 0.82 | 0.97 | 0.40 | 0.54 | 1.24 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 35 | 50 | 74 | 76 | 65 | 116 |
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 (₹) | 5.15 | 69.24 | 10.91 | 23.36 | 7.95 | 18.19 | 17.82 | 32.22 | 28.16 | 36.75 |
| Book Value (₹) | 410.90 | 480.13 | 1651.55 | 1092.88 | 2059.50 | 2142.30 | 2196.13 | 3576.39 | 3930.71 | 3058.35 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 5.16 | 69.25 | 10.93 | 23.37 | 7.97 | 18.22 | 17.84 | 32.24 | 28.18 | 36.76 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 51.57% | 98.18% | 84.24% | 78.67% | 86.55% | 93.98% | 90.67% | 94.71% | 94.00% | 94.77% |
| Net Margin % | 205.66% | 87.70% | 83.30% | 81.98% | 57.69% | 66.94% | 74.48% | 73.99% | 66.47% | 73.18% |
| ROE % | 1.26% | 15.54% | 1.02% | 1.70% | 0.50% | 0.87% | 0.82% | 1.12% | 0.75% | 1.05% |
| ROCE % | 0.42% | 17.40% | 1.03% | 1.63% | 0.76% | 1.21% | 1.00% | 1.43% | 1.06% | 1.36% |
| 1.24% | 15.42% | 0.95% | 1.57% | 0.46% | 0.79% | 0.75% | 1.01% | 0.66% | 0.92% | |
| 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) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| Interest Coverage (x) | 0.00x | 0.00x | 0.00x | 0.00x | 206.97x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| 1.11x | 2.22x | 0.94x | 3.09x | 0.99x | 4.67x | 5.03x | 17.99x | 21.79x | 2.05x | |
| GROWTH | ||||||||||
| Revenue Growth % | -84.07% | 3052.28% | -83.41% | 117.59% | -51.66% | 97.28% | -11.97% | 81.99% | -2.69% | 18.53% |
| Operating Profit Growth % | -91.08% | 5901.26% | -85.77% | 103.21% | -46.82% | 114.23% | -15.08% | 90.15% | -3.44% | 19.53% |
| Net Profit Growth % | -64.23% | 1244.25% | -84.24% | 114.12% | -65.98% | 128.93% | -2.05% | 80.78% | -12.58% | 30.50% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 80.78% | -12.58% | 30.50% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 37.75x | 69.12x | 35.93x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.34x | 0.50x | 0.43x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 29.43x | 48.83x | 27.73x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-06 - Summit Securities Limited has informed the Exchange about Copy of Newspaper Publication regarding Special Window.
2026-08-05 - Summit Securities Limited has informed the Exchange about Copy of Newspaper Publication regarding Unaudited Financial Results for the quarter ended June 30, 2026.
2026-08-04 - Summit Securities Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-30 - Summit Securities Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 30, 2026. Further, the company has informed the Exchange regarding voting results.
2026-07-30 - Summit Securities Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 30, 2026
2026-07-03 - Summit Securities Limited has informed the Exchange about Inland Letter dispatched to the Shareholder of the Company pursuant to the Regulation 36(1)(b) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.
2026-07-03 - Summit Securities Limited has informed the Exchange about Copy of Newspaper Publication regarding Twenty-Ninth Annual General Meeting of the Company including E-Voting Information.
2026-07-02 - Summit Securities Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on July 30, 2026
2026-06-24 - Summit Securities Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
News
Recent coverage and analyst commentary for SUMMITSEC
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