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Sonal Mercantile (SONAL) had a P/E of 5.2× on 6 Nov 2026, and the shares are 11% below their 52-week high. Net profit grew 13% a year over 3 years; its ROE of 6.9% 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 0.29× book value. It is a small-cap company with a market cap of ₹124 Cr, ranked 83rd of 193 Credit Services companies by market cap; the shares fell 7.7% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Jun 2026.How we calculate this

past year
Open
₹83.45
Day high
₹84.50
Day low
₹77.00
Prev. close
₹83.45
Volume
45

Health check

1 good · 1 fair · 3 to check
  • ReturnsIn line

    −7.7% over a year, better than 3 of 7 peers.

  • Price tagCheaper

    P/B 0.29 vs peer median 2.62.

  • GrowthSlow

    Profit +12.6% a year over 3 years.

  • ProfitabilityWeak

    ROE 6.9% 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 6.9%.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹124 Cr, #83 of 193 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Jun 2026: sales ₹15 Cr · profit ₹20 Cr
Market cap
₹124 Cr
Small cap
P/E
5.2
Industry 15.5
Price to book
0.29
Peers 2.62
Dividend yield
0.00%
ROE
6.9%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹16.06
Face value ₹10
OPM (TTM)
37.8%
Net margin 133.6%
Sales growth
n/m
Not meaningful for lenders
Profit growth
−68.7%
Latest quarter vs a year ago
Price to sales
8.30

Strengths and risks

Risks to check

  • Return on equity is low at 6.9%.
  • Quarterly profit down 68.7% on a year ago.

No standout strengths in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Sonal Mercantile

Sonal Mercantile Limited, a non-banking financial company, provides secured and unsecured loans and advances to individuals and body corporates in India. The company offers inter corporate and personal loans, home loans, long term and short-term loans, and loans against guarantee and properties, as well as trade financing, bills discounting, and project appraisal services. It is also involved in the trading of shares and securities; and arbitrage business…

Headquarters
New Delhi
Employees
9
Sector
Financial Services
ISIN
INE321M01017
Website
sonalmercantile.in

Price range

52 weeks

₹73.35₹94.00

Today

₹77.00₹84.50
Avg volume (3M)
170
1-year return
minus 7.7%
From 52-week high
minus 10.8%

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
SONALSonal Mercantile83.81plus 0.43%1245.20.295.5%–12.6%0.00%minus 7.7%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26
9.39.88.313.45.2
6.36.66.45.93.8
3.13.11.97.41.4
32.9%32.1%22.9%55.5%26.7%
000−0−0.2
00000
3.13.11.97.41.2
25.2%26.4%29.6%25.2%25.2%
8.47.61.35.52.6
6.405.782.985.331.97

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+12.6%
EPS CAGR 3Y
+11.8%
ROE
6.9%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
26.439.535.340.8
–+49.5%minus 10.6%+15.5%
15.923.821.325.2
10.515.71415.5
39.7%39.8%39.7%38.1%
0000
00.100
0.1–––
10.515.61415.5
25.4%25.2%25.5%26.0%
1824.232.325.7
–+34.5%+33.6%minus 20.6%
13.9318.4024.5019.46

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
14.714.714.714.7
275299343371
304291257295
15.116.116.416.6
608621632697
1.51.51.41.4
1.41.41.41.4
253266293327
0.10.52.112.2
353352333355
608621632697

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−1.30.31.217.1
1.4−0.3−0.4−17.7
0.100.8−0.6
−0.2−0−0−0
−1.50.31.217.1

Shareholding pattern

Source: NSE filings

NSE hasn’t returned a shareholding pattern for this company.

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you