Operates as a non-banking financial company (NBFC) based in Coimbatore, raising money from banks, non-convertible debentures (NCDs) and fixed deposits, and lending that money out to earn interest income. In FY26, total income stood at Rs 210.71 crore, with profit after tax of Rs 17.25 crore and total assets of Rs 1,433.52 crore. Outstanding borrowings were Rs 2,110.06 crore as of 31 March 2026, and Rs 1,245.74 crore of debt facilities were reaffirmed at ICRA BBB with Stable outlook. The company raises funds through public NCD issues (Rs 150 crore raised via the August 2025 public issue) and redeems maturing tranches, with Rs 104.50 crore of NCD redemptions scheduled in July and August 2026. Operating costs are dominated by employee expenses at 16.3% of revenue, other operating expenses at 9.4%, depreciation at 3.0%, and capex at 7.5% of revenue; materials cost is nil, consistent with a financial services business. Asset quality improved in FY26, with gross stage 3 assets at 4.76% and capital adequacy at 20.45%. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Interest and other income from lending operations. Asset-light NBFC; cyclical, dependent on credit quality, borrowing costs and regulatory capital requirements
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 181 | 192 | 207 | 215 | 211 |
| EBITDA (ex other income) | 126 | 132 | 143 | 149 | 156 |
| margin % | 69.2 | 68.8 | 69.2 | 69.3 | 73.9 |
| Owners' profit | 10 | 12 | 16 | 17 | 17 |
| EPS, as reported (₹) | 1.52 | 1.98 | 2.43 | 2.57 | 2.67 |
| ROE % · ROCE % | 4.8 · — | 6.0 · — | 7.2 · — | 7.3 · — | 7.1 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | 2 | (2) | (28) | 22 | 118 |
| Capex | (3) | 0 | (4) | (6) | (16) |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 54 | 55 | 53 | 54 | 53 | 55 | 49 | 51 |
| Profit before tax | 6 | 6 | 6 | 6 | 5 | 5 | 7 | 6 |
| Net profit | 4 | 5 | 5 | 4 | 4 | 4 | 6 | 4 |
| EPS (₹) | 0.55 | 0.71 | 0.71 | 0.64 | 0.58 | 0.58 | 0.87 | 0.65 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| JIO FIN SERVICES LTD | 1,51,806 | 71.4 | 1.13 | 64.0 | 1.2 | — | — | 70.7 |
| ADITYA BIRLA CAPITAL LTD. | 1,08,001 | 25.2 | 2.94 | 6.3 | 10.5 | — | 18.8 | 40.8 |
| L&T FINANCE LIMITED | 77,411 | 24.3 | 2.76 | 6.7 | 10.6 | — | 5.5 | 62.3 |
| TATA INVESTMENT CORP LTD | 32,839 | 76.2 | 1.12 | 90.8 | 1.5 | — | 19.5 | 92.6 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 3 Sept 2026 · Newspaper ads confirming AGM Notice and Annual Report dispatch | compliance | minimal | — | — |
| 1 Sept 2026 · Sakthi Finance sends AGM weblink letters to shareholders without registered emails | compliance | minimal | — | — |
| 1 Sept 2026 · Sakthi Finance 69th AGM on 26 Sep 2026; equity dividend Rs 0.80 per share proposed | board shareholder meetings | low | — | — |
| 1 Sept 2026 · Annual Report FY25-26 and 69th AGM notice filed with BSE | results | high | — | — |
| 24 Aug 2026 · Sakthi Finance 69th AGM on 26 Sept 2026, dividend of Rs 0.80 per share declared | compliance | minimal | — | — |
| 12 Aug 2026 · Sakthi Finance: Notice on Special Window for Physical Share Re-lodgement | compliance | minimal | — | — |
| 6 Aug 2026 · Board meeting on 14 Aug 2026 to consider Q1 FY27 results | results | low | — | — |
| 27 Jul 2026 · Promoter group member Smt Karunambal Vanavaraayar passes away | ownership changes | low | — | — |
| 27 Jul 2026 · Newspaper notice for transfer of unclaimed shares to IEPF | compliance | minimal | — | — |
| 23 Jul 2026 · Revised IEPF share transfer intimation letter filed with BSE | compliance | minimal | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| CHOLAMANDALAM FIN HOL LTD |
| 28,902 |
| 10.8 |
| 0.85 |
| 0.9 |
| 16.2 |
| — |
| 23.0 |
| 58.4 |
| TVS HOLDINGS LIMITED | 26,292 | 13.3 | 2.04 | 2.4 | 26.3 | — | 23.4 | 16.4 |
| MAHARASHTRA SCOOTERS LTD | 14,802 | 53.1 | 0.54 | — | 1.1 | — | — | 84.1 |
| JSW HOLDINGS LIMITED | 12,763 | 92.9 | 0.39 | 78.3 | 0.4 | — | 14.1 | 84.0 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 10.3 | 23.7 | 14 of 52 | 75% |
| P/B | 0.7 | 0.7 | 32 of 60 | 48% |
| ROE | 7.2 | 1.3 | 18 of 67 | 74% |
| Debt / Equity | 0.0 | 0.0 | 1 of 67 | 15% |
| EBITDA margin | 72.8 | 61.6 | 28 of 62 | 56% |
| Revenue growth | (5.1) | 13.6 | 37 of 56 | 35% |
| Profit growth | 1.6 | 10.7 | 37 of 66 | 45% |
| Market cap | 178 | 376 | 39 of 65 | 41% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
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