Saumya Cons (539218)
TurnaroundScore breakdown: P/E: 0/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1
Key Financials
| Current Price | ₹185 |
| Market Cap | ₹127.78 Cr |
| P/E Ratio | 0 |
| ROCE | 7.69% |
| ROE | -5% |
| Dividend Yield | 0% |
| Profit Growth | 137.37% |
| Debt/Equity | — |
| Sales Growth | 43.97% |
| 52-Week Range | ₹114.85 — ₹185 |
| Sector | Finance |
| Book Value | ₹92.66 |
Strengths
- Revenue growth of 43.97% and profit growth of 137.37% show strong recent momentum, though from a small base.
- Piotroski F-Score of 7/9 suggests improving financial health and balance-sheet fundamentals.
- ROCE of 7.69% is positive, indicating some operating return generation.
- Book value of ₹92.66 provides a measurable reference point for shareholders.
Concerns
- ROE of -5.00% means shareholder equity is being eroded, a serious red flag for an NBFC.
- P/E of 0.00, with quarterly sales of just ₹4 Cr and net profit of ₹1 Cr, makes the earnings power unreliable and tiny.
- No promoter holding, no debt/equity data, zero dividend, and an insufficient-data score reduce transparency.
- At ₹185, the stock is at its 52-week high — no margin of safety after a sharp run from ₹114.85.
AI Analysis
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.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer