Sakthi Finance (BSE: SAKTHIFIN) had a P/E of 9.7× on 6 Nov 2026, and the shares are 41% below their 52-week high. Net profit grew 11% a year over 3 years; its ROE of 7.3% is the lowest among the 7 largest Credit Services peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.70× book value and its dividend yield is 3.1%. It is a small-cap company with a market cap of ₹168 Cr, ranked 74th of 193 Credit Services companies by market cap; the shares fell 39% over the past year.
- ₹26.35
- ₹26.35
- ₹25.12
- ₹26.53
- 2.3K
Health check
- ReturnsBehind
−38.9% over a year, better than 0 of 7 peers.
- Price tagCheaper
P/B 0.70 vs peer median 2.62.
- GrowthSlow
Profit +11.3% a year over 3 years.
- ProfitabilityWeak
ROE 7.3% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags2 to check
Return on equity is low at 7.3%.
Small cap
Market sensitivity
Key metrics
- Market cap
- ₹168 Cr
- Small cap
- P/E
- 9.7
- Industry 15.5
- Price to book
- 0.70
- Peers 2.62
- Dividend yield
- 3.08%
- ROE
- 7.3%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹2.68
- OPM (TTM)
- 11.6%
- Net margin 20.0%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +1.6%
- Latest quarter vs a year ago
- Price to sales
- 1.94
Strengths and risks
Strengths
- Dividend yield of 3.08%.
Risks to check
- Return on equity is low at 7.3%.
- 41% below its 52-week high.
About Sakthi Finance
Sakthi Finance Limited, a non-banking financial company, provides asset financing services in India. The company is involved in financing of pre-owned commercial vehicles, infrastructure equipment, machineries, interest rates and charges, and consumer education literature, etc. It also offers non-convertible debentures, fixed and cumulative income deposits, and subordinated bonds. It operates through a network of branches located in Andhra Pradesh,…
- Headquarters
- Coimbatore
- Employees
- 659
- Sector
- Financial Services
- ISIN
- INE302E01014
- Website
- sakthifinance.com
Price range
- Avg volume (3M)
- 3.7K
- 1-year return
- minus 38.9%
- From 52-week high
- minus 41.5%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| SAKTHIFINSakthi Finance | 25.99 | minus 2.04% | 168 | 9.7 | 0.70 | 7.3% | – | 11.3% | 3.08% | minus 38.9% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 53.7 | 52.7 | 54.5 | 47.6 | 49.5 | |
| 45.4 | 44.9 | 47.4 | 43.7 | 44.7 | |
| 8.3 | 7.9 | 7.1 | 3.9 | 4.8 | |
| 15.4% | 14.9% | 13.0% | 8.3% | 9.7% | |
| 0 | 0 | 4.1 | 0.1 | 0.2 | |
| 1.5 | 1.6 | 1.6 | 1.8 | 2.1 | |
| −0.9 | −0.9 | −4.1 | 4.4 | 2.7 | |
| 5.8 | 5.5 | 5.5 | 6.7 | 5.5 | |
| 29.1% | 31.1% | 31.2% | 15.9% | 24.4% | |
| 4.1 | 3.8 | 3.8 | 5.6 | 4.2 | |
| 0.64 | 0.58 | 0.58 | 0.87 | 0.65 |
Profit & loss
- Profit CAGR 3Y
- +11.3%
- EPS CAGR 3Y
- +11.4%
- ROE
- 7.3%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 190 | 203 | 211 | 198 | |
| – | +7.2% | +3.9% | minus 6.1% | |
| 159 | 172 | 178 | 180 | |
| 30.9 | 31.7 | 33.6 | 18 | |
| 16.3% | 15.6% | 15.9% | 9.1% | |
| 0.7 | 1.6 | 1.9 | 9.2 | |
| 5.5 | 5.9 | 5.9 | 6.4 | |
| −8.8 | −6 | −6.3 | 2.6 | |
| 17.4 | 21.5 | 23.3 | 23.4 | |
| 28.0% | 26.9% | 28.6% | 26.3% | |
| 12.5 | 15.7 | 16.7 | 17.2 | |
| – | +25.7% | +6.0% | +3.6% | |
| 1.93 | 2.43 | 2.57 | 2.67 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 64.7 | 64.7 | 64.7 | 64.7 | |
| 142 | 154 | 165 | 177 | |
| 1,050 | 1,093 | 921 | 950 | |
| 44.1 | 113 | 217 | 243 | |
| 1,301 | 1,424 | 1,368 | 1,434 | |
| 69 | 66.1 | 79.3 | 81.2 | |
| – | – | 15.1 | 15 | |
| 6.4 | 10.5 | 21.6 | 27.4 | |
| 49.9 | 78.2 | 39 | 180 | |
| 1,175 | 1,270 | 1,213 | 1,130 | |
| 1,301 | 1,424 | 1,368 | 1,434 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −1.6 | −28 | 22.1 | 118 | |
| 20.3 | −9.2 | −14.2 | −68.7 | |
| −3.2 | 100 | −56.9 | 61.7 | |
| 15.5 | 63.2 | −49 | 111 | |
| −3.9 | −3.7 | −5.8 | −15.9 | |
| −5.5 | −31.7 | 16.3 | 102 | |
| −3.9 | −4.5 | −5.2 | −5.2 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.
Major shareholders
Filings & events
News
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