Saumya Cons (539218)

Score breakdown: P/E: 0/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At ₹185, this small NBFC is priced at ₹128 Cr while book value is only ₹92.66 per share. That gives a P/B of 2.0 — not a bargain by Graham standards. What worries me more is the ROE of -5%. A financial company that cannot earn a positive return on equity is not compounding value; it is consuming it. The reported profit growth of 137% and sales growth of 44% may excite investors, but they come off a tiny base — latest quarter sales of just ₹4 Cr and net profit of ₹1 Cr. A single small quarter cannot justify a re-rating. The P/E is shown as 0.00, which tells me current earnings are unreliable. Piotroski F-Score of 7/9 is a positive signal; the balance sheet may be strengthening. But for an NBFC, I need clarity on leverage, cost of funds, and asset quality — all missing here, with debt/equity not available and promoter holding not disclosed. Also, there is no dividend, so I am not being paid to wait. The stock sits at its 52-week high of ₹185, up from ₹114.85, so the market has already priced in improvement. If the turnaround is real, let ROE become positive and stay positive, and let profits be more than a single flash. Until then, this is a speculative recovery, not an investment.

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Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer