Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & fee income | 1 | 9 | 5 | 6 | 3 | 0 | 2 | 3 | 2 | 25 | 42 | 59 |
| Interest paid | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating costs & provisions | 0 | 2 | 0 | 1 | -0 | 6 | 0 | 2 | 0 | 1 | 4 | 1 |
| Core operating profit | 1 | 7 | 5 | 5 | 2 | -5 | 2 | 0 | 1 | 24 | 38 | 58 |
| Core operating margin % | 69% | 82% | 90% | 82% | 84% | -1,098% | 72% | 11% | 64% | 94% | 91% | 99% |
| Depreciation & amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-operating income | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pre-tax profit | 5 | 7 | 5 | 5 | 2 | -6 | 1 | 0 | 1 | 24 | 38 | 58 |
| Effective tax rate % | 0% | 0% | 24% | 25% | -2% | -5% | -50% | 27% | 25% | 15% | 15% | 15% |
| Profit after tax | 5 | 7 | 3 | 4 | 2 | -5 | 2 | 0 | 1 | 20 | 32 | 50 |
| Earnings per share (Rs) | 1.09 | 1.48 | 0.53 | 0.56 | 0.34 | -0.81 | 0.33 | 0.02 | 0.14 | 3.06 | 4.90 | 7.57 |
| Gross bad loans % | ||||||||||||
| Net bad loans % |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & fee income | 1 | 1 | 0 | 1 | 1 | 0 | 3 | -1 | 23 | 12 | 68 | 128 |
| Interest paid | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 1 | 2 | 1 | 1 |
| Operating costs & provisions | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 11 | 2 | 6 | 3 | 6 |
| Core operating profit | 1 | 1 | 0 | 0 | 0 | -0 | -1 | -13 | 20 | 3 | 63 | 122 |
| Core operating margin % | 73% | 77% | 55% | 25% | 19% | -113% | -36% | 1,176% | 86% | 30% | 94% | 95% |
| Depreciation & amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| Non-operating income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pre-tax profit | 1 | 1 | 0 | 0 | 0 | -0 | -1 | -13 | 19 | 3 | 63 | 121 |
| Effective tax rate % | 33% | 34% | 38% | 169% | 23% | 3% | 0% | 11% | 8% | 5% | 15% | |
| Profit after tax | 0 | 0 | 0 | -0 | 0 | -0 | -1 | -14 | 18 | 3 | 53 | 103 |
| Earnings per share (Rs) | 0.27 | 0.31 | 0.13 | -0.07 | 0.08 | -0.14 | -0.44 | -2.79 | 2.75 | 0.41 | 8.11 | 15.67 |
| Paid out as dividend % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 4% | 0% | 1% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Revenue CAGR | 58% | 196% | % | 1462% | ||
| Profit CAGR | 66% | 175% | 80% | 12617% | ||
| Share price CAGR | % | 37% | 73% | 62% | ||
| Average return on equity | 10% | 11% | 14% | 18% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net block (property, plant) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 1 |
| Capital work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 3 | 11 | 35 | 26 | 34 | 325 | 246 |
| Current & other assets | 4 | 4 | 5 | 5 | 8 | 4 | 6 | 17 | 30 | 56 | 53 | 99 |
| Total assets | 4 | 4 | 5 | 5 | 8 | 8 | 17 | 52 | 56 | 91 | 380 | 346 |
| Share capital | 1 | 1 | 1 | 1 | 1 | 2 | 5 | 5 | 10 | 13 | 13 | 13 |
| Reserves & surplus | 3 | 3 | 4 | 4 | 4 | 2 | 12 | 7 | 16 | 56 | 281 | 280 |
| Total debt | 0 | 0 | 0 | 0 | 3 | 3 | 0 | 40 | 30 | 19 | 20 | 1 |
| Other liabilities & provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 67 | 52 |
| Equity + liabilities | 4 | 4 | 5 | 5 | 8 | 8 | 17 | 52 | 56 | 91 | 380 | 346 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 0 | -0 | -0 | -3 | 0 | 0 | -0 | -6 | -6 | -7 | 10 | 58 |
| Investing cash flow | -0 | 1 | 1 | 0 | 0 | -3 | -10 | -29 | 8 | -6 | -9 | 9 |
| Free cash flow (after capex) | 0 | -0 | -0 | -3 | 0 | 0 | -0 | -6 | -6 | -9 | 8 | 58 |
| Financing cash flow | 0 | 0 | 0 | 3 | -0 | 3 | 10 | 35 | -2 | 13 | 1 | -61 |
| Net change in cash | 0 | 1 | 0 | -0 | 0 | 0 | 0 | -0 | 1 | 0 | 1 | 6 |
| Cash conversion (OCF / EBITDA) % | 76% | -24% | -53% | -1,067% | 187% | 88% | -17% | -759% | 51% | -34% | 184% | 89% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on equity % | 10% | 8% | 8% | 3% | -2% | 2% | -3% | -8% | -74% | 38% | 1% | 18% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter group % | 70.00% | 70.00% | 64.61% | 56.05% | 56.05% | 56.05% | 57.77% | 58.26% | 58.26% | 58.15% | 58.15% | 57.69% |
| Foreign investors % | 0.00% | 0.00% | 0.00% | 0.00% | 14.68% | 0.00% | 0.00% | 16.10% | 4.12% | 4.12% | 4.12% | 4.12% |
| Retail & others % | 30.00% | 29.99% | 35.37% | 43.95% | 29.27% | 43.95% | 42.22% | 25.64% | 37.62% | 37.72% | 37.72% | 38.20% |
| Shareholder count | 9,961 | 9,200 | 8,875 | 8,193 | 7,851 | 9,399 | 9,250 | 8,808 | 8,715 | 7,983 | 7,832 | 7,709 |
Fundamentals
Market value₹ 360 Cr.
Last price₹ 54.9
P/E (trailing)3.51
Book value / share₹ 44.8
Return on capital21.1 %
Return on equity18.1 %
Dividend yield0.18 %
Face value₹ 2.00
Revenue CAGR (TTM)1462%
Profit CAGR (TTM)12617%
Standalone figures.
Valuation
Market capRs 384 Cr
Enterprise valueRs 354 Cr
P/E (TTM)3.74x
Price to book1.31x
Price to sales3.00x
EV / EBITDA2.89x
EV / EBIT2.90x
EV / sales2.76x
Price to cash flow6.64x
Earnings yield26.73%
Dividend yield0.17%
P/E, 3-year average39.36x
P/B, 3-year average0.98x
P/E, 5-year average39.36x
P/B, 5-year average1.12x
Profitability
Operating margin (excl. other income)95.80%
Operating margin (incl. other income)95.80%
EBITDA margin95.60%
Pre-tax margin94.40%
Net profit margin80.06%
Net margin, latest quarter84.14%
ROE18.10%
ROCE21.12%
ROA14.62%
ROE, 3-year average19.07%
ROCE, 3-year average17.19%
ROA, 3-year average13.40%
ROE, 5-year average-4.99%
ROCE, 5-year average6.43%
ROA, 5-year average2.21%
ROIC (approx.)39.12%
Tax rate15.48%
Growth
Sales growth (latest year)483.95%
Profit growth (latest year)1882.84%
Sales CAGR, 5 years195.58%
Sales growth QoQ40.68%
Profit growth QoQ54.55%
Sales growth YoY (latest quarter)2176.45%
Profit growth YoY (latest quarter)45000.00%
Per share
EPS (TTM)Rs 15.67
EPS (latest year)Rs 8.11
EPS (latest quarter)Rs 7.57
EPS, 3-year averageRs 3.76
EPS, 5-year averageRs -0.97
Book value per shareRs 44.79
Sales per shareRs 19.58
Cash flow per shareRs 8.83
Dividend per share (latest year)Rs 0.10
Dividend per share, 3-year averageRs 0.10
Dividend per share, 5-year averageRs 0.10
Dividends
Dividend payout1.24%
Dividend payout, 3-year average2.44%
Dividend payout, 5-year average2.44%
Efficiency
Asset turnover0.20x
Fixed asset turnover54.14x
Debtor days24 days
Debtors turnover15.21x
Leverage
Total debtRs 1 Cr
Cash and bankRs 31 Cr
Net debtRs -30 Cr
Debt to equity0.00x
Net debt / EBITDA-0.24x
Interest coverage123.25x
Owners' fund to total sources84.71%
Debt to assets0.35%
Cash flow
Operating cash flow (latest year)Rs 58 Cr
Investing cash flow (latest year)Rs 9 Cr
Financing cash flow (latest year)Rs -61 Cr
Net change in cash (latest year)Rs 6 Cr
Sales to cash flow1.17x
Statement figures
Net sales (TTM)Rs 128 Cr
Net sales (latest year)Rs 68 Cr
Sales (latest quarter)Rs 59 Cr
Operating profit excl. other income (latest year)Rs 65 Cr
Operating profit (latest quarter)Rs 58 Cr
EBITDA (TTM)Rs 123 Cr
PBDT (TTM)Rs 122 Cr
Profit before tax (TTM)Rs 121 Cr
Tax (latest year)Rs 10 Cr
Net profit (TTM)Rs 103 Cr
Net profit (latest year)Rs 53 Cr
Net profit (latest quarter)Rs 50 Cr
Depreciation (TTM)Rs 1 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 1 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 3 Cr
Total income (latest year)Rs 68 Cr
Share capitalRs 13 Cr
ReservesRs 280 Cr
Shareholders' fundsRs 293 Cr
Total assetsRs 346 Cr
Net blockRs 1 Cr
InvestmentsRs 246 Cr
ReceivablesRs 4 Cr
Other liabilitiesRs 52 Cr
Shares outstanding (crore)6.55
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 3.7 is at the 5th percentile of its own 3.4-year range
(median 63.5, low 3.2, high 299.6).
P/B 1.31 is at the 16th percentile (median 4.82).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | 512399 | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | +4.8% | -2.8% | +7.6 pts |
| 1 month | +28.0% | -6.8% | +34.8 pts |
| 3 months | +43.9% | -7.6% | +51.5 pts |
| 3 years | +456.4% | +14.2% | +442.2 pts |
| 5 years | +414.4% | +27.9% | +386.5 pts |
Red flags
F-score 8 of 8| explain | Share dilution Share count up 1% in a year, 31% in three |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹59 Cr +1866.7% vs Jun 2025.
Net profit ₹50 Cr.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of Sera Investments & Finance India Ltd?
Sera Investments & Finance India Ltd (512399) has a market capitalisation of Rs 360 Cr. at the 2026-10-01 close.
What is the P/E ratio of Sera Investments & Finance India Ltd?
Sera Investments & Finance India Ltd trades at a P/E of 3.51 on trailing twelve-month profit, at the 2026-10-01 close.
What were Sera Investments & Finance India Ltd's latest quarterly results?
In the Jun 2026 quarter, Sera Investments & Finance India Ltd revenue was Rs 59 Cr (+1866.7% vs Jun 2025) and net profit was Rs 50 Cr.