Stock ZSARACOM6 SARASWATI COMMERCIAL (INDIA) LIMITED
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Financials Saraswati Commercial (India) Limited

Equities

ZSARACOM6

INE967G01019

Consumer Lending

Delayed Bombay S.E.
Other stock markets
 06:00:52 2024-04-30 am EDT 		5-day change 1st Jan Change
5,448 INR +3.46% Intraday chart for Saraswati Commercial (India) Limited +2.83% +82.23%
Feb. 12 Saraswati Commercial Limited Reports Earnings Results for the Third Quarter and Nine Months Ended December 31, 2023 CI
2023 Saraswati Commercial Limited Reports Earnings Results for the Second Quarter and Six Months Ended September 30, 2023 CI

Valuation

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Capitalization 1 16.22 40.24 149.1 2,020 3,090 2,576
Enterprise Value (EV) 1 -58.08 -34.07 29.14 1,650 1,506 1,092
P/E ratio 0.1 x 0.6 x -1.55 x 9.47 x 4.75 x 22 x
Yield - - - - - -
Capitalization / Revenue 0.1 x 0.43 x 12.1 x 7.22 x 3.56 x 10.7 x
EV / Revenue -0.36 x -0.37 x 2.37 x 5.89 x 1.73 x 4.55 x
EV / EBITDA -0.41 x -0.45 x -10.1 x 6.25 x 1.78 x 5.23 x
EV / FCF -15.5 x -0.12 x 0.99 x 9.3 x 2.86 x 8.45 x
FCF Yield -6.46% -805% 101% 10.8% 34.9% 11.8%
Price to Book 0.01 x 0.03 x 0.1 x 0.72 x 0.72 x 0.59 x
Nbr of stocks (in thousands) 1,001 1,001 1,001 1,001 1,030 1,030
Reference price 2 16.20 40.20 149.0 2,018 3,000 2,501
Announcement Date 9/3/18 8/30/19 11/17/20 8/31/21 8/30/22 9/1/23
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net sales 1 163.4 92.79 12.31 279.9 868.9 240.2
EBITDA 1 142 76.29 -2.872 263.8 846.2 208.6
EBIT 1 141.8 76.08 -2.998 263.6 846.1 208.5
Operating Margin 86.76% 81.99% -24.36% 94.2% 97.37% 86.8%
Earnings before Tax (EBT) 1 136.5 75.28 -130.6 248.9 837.2 191
Net income 1 159.6 67.51 -96.14 213.3 649.2 116.9
Net margin 97.68% 72.76% -781.1% 76.2% 74.72% 48.66%
EPS 2 165.6 67.45 -96.06 213.1 631.7 113.5
Free Cash Flow 1 3.753 274.2 29.56 177.4 526 129.3
FCF margin 2.3% 295.55% 240.17% 63.39% 60.53% 53.81%
FCF Conversion (EBITDA) 2.64% 359.47% - 67.26% 62.16% 61.96%
FCF Conversion (Net income) 2.35% 406.22% - 83.18% 81.02% 110.58%
Dividend per Share - - - - - -
Announcement Date 9/3/18 8/30/19 11/17/20 8/31/21 8/30/22 9/1/23
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 74.3 74.3 120 370 1,584 1,484
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 3.75 274 29.6 177 526 129
ROE (net income / shareholders' equity) 13% 5.13% -4.76% 9.71% 18.3% 2.69%
ROA (Net income/ Total Assets) 6.02% 3.18% -0.09% 7.06% 13.4% 2.66%
Assets 1 2,653 2,120 108,393 3,022 4,832 4,389
Book Value Per Share 2 1,290 1,358 1,567 2,789 4,143 4,254
Cash Flow per Share 2 3.240 1.780 74.80 0.2200 17.90 1.330
Capex 1 0.19 - - 0.08 0.21 -
Capex / Sales 0.12% - - 0.03% 0.02% -
Announcement Date 9/3/18 8/30/19 11/17/20 8/31/21 8/30/22 9/1/23
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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Other Consumer Lending
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