Price
Financials
Standalone, Rs crore| Sep 2020 | Mar 2021 | Sep 2021 | Mar 2022 | Sep 2022 | Mar 2023 | Sep 2023 | Mar 2024 | Sep 2024 | Mar 2025 | Sep 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & fee income | 1.49 | 1.63 | 1.16 | 0.94 | 1.08 | 0.73 | 0.69 | 0.75 | 0.65 | 0.65 | 0.59 | 0.59 |
| Interest paid | 0.36 | 0.28 | 0.14 | 0.13 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating costs & provisions | 0.91 | 0.93 | 0.63 | 0.74 | 0.50 | 0.92 | 0.41 | 0.40 | 0.41 | 0.41 | 0.39 | 0.51 |
| Core operating profit | 0.22 | 0.42 | 0.39 | 0.07 | 0.58 | -0.19 | 0.28 | 0.35 | 0.24 | 0.24 | 0.20 | 0.08 |
| Core operating margin % | 14.77% | 25.77% | 33.62% | 7.45% | 53.70% | -26.03% | 40.58% | 46.67% | 36.92% | 36.92% | 33.90% | 13.56% |
| Depreciation & amortisation | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Non-operating income | 0.00 | 0.05 | 0.00 | 0.00 | 0.00 | 0.32 | 0.00 | 0.02 | 0.00 | 0.00 | 0.01 | 0.01 |
| Pre-tax profit | 0.21 | 0.46 | 0.38 | 0.06 | 0.57 | 0.11 | 0.26 | 0.37 | 0.23 | 0.23 | 0.20 | 0.08 |
| Effective tax rate % | 23.81% | 23.91% | 23.68% | 33.33% | 24.56% | 27.27% | 26.92% | 24.32% | 21.74% | 21.74% | 20.00% | 25.00% |
| Profit after tax | 0.15 | 0.35 | 0.29 | 0.05 | 0.43 | 0.09 | 0.19 | 0.28 | 0.18 | 0.17 | 0.15 | 0.06 |
| Earnings per share (Rs) | 0.28 | 0.65 | 0.54 | 0.09 | 0.80 | 0.17 | 0.35 | 0.52 | 0.33 | 0.32 | 0.28 | 0.11 |
| Gross bad loans % | ||||||||||||
| Net bad loans % |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & fee income | 1.64 | 1.97 | 2.64 | 3.19 | 3.81 | 3.71 | 3.13 | 2.10 | 1.81 | 1.44 | 1.30 | 1.18 |
| Interest paid | 0.40 | 0.54 | 1.00 | 1.13 | 1.22 | 1.01 | 0.65 | 0.27 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating costs & provisions | 0.84 | 0.92 | 0.98 | 1.33 | 1.72 | 2.16 | 1.84 | 1.30 | 1.42 | 0.81 | 0.82 | 0.91 |
| Core operating profit | 0.40 | 0.51 | 0.66 | 0.73 | 0.87 | 0.54 | 0.64 | 0.53 | 0.39 | 0.63 | 0.48 | 0.27 |
| Core operating margin % | 24.39% | 25.89% | 25.00% | 22.88% | 22.83% | 14.56% | 20.45% | 25.24% | 21.55% | 43.75% | 36.92% | 22.88% |
| Depreciation & amortisation | 0.06 | 0.13 | 0.12 | 0.08 | 0.06 | 0.04 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 |
| Non-operating income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | 0.00 | 0.32 | 0.02 | 0.00 | 0.03 |
| Pre-tax profit | 0.34 | 0.38 | 0.54 | 0.65 | 0.81 | 0.50 | 0.67 | 0.51 | 0.69 | 0.62 | 0.46 | 0.28 |
| Effective tax rate % | 29.41% | 31.58% | 29.63% | 24.62% | 24.69% | 24.00% | 23.88% | 23.53% | 24.64% | 24.19% | 23.91% | 25.00% |
| Profit after tax | 0.24 | 0.26 | 0.38 | 0.49 | 0.61 | 0.38 | 0.51 | 0.39 | 0.52 | 0.47 | 0.35 | 0.21 |
| Earnings per share (Rs) | 0.62 | 0.67 | 0.98 | 0.91 | 1.13 | 0.71 | 0.95 | 0.73 | 0.97 | 0.87 | 0.65 | 0.39 |
| Paid out as dividend % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Revenue CAGR | -5% | -18% | -13% | -9% | ||
| Profit CAGR | -2% | -16% | -26% | -40% | ||
| Share price CAGR | 2% | % | 6% | 14% | ||
| Average return on equity | 3% | 3% | 2% | 1% |
| 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) | 0.27 | 0.35 | 0.24 | 0.19 | 0.13 | 0.09 | 0.07 | 0.05 | 0.43 | 0.40 | 0.38 | 0.36 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.94 | 0.94 | 3.96 | 0.94 | 1.69 | 1.69 | 1.69 | 3.58 | 4.87 | 4.11 | 4.16 |
| Current & other assets | 9.59 | 13.30 | 15.31 | 19.83 | 21.77 | 18.11 | 15.40 | 12.36 | 10.51 | 9.64 | 10.80 | 10.96 |
| Total assets | 9.86 | 14.59 | 16.49 | 23.98 | 22.84 | 19.89 | 17.16 | 14.10 | 14.52 | 14.91 | 15.29 | 15.48 |
| Share capital | 3.88 | 3.88 | 3.88 | 5.38 | 5.38 | 5.38 | 5.38 | 5.38 | 5.38 | 5.38 | 5.38 | 5.38 |
| Reserves & surplus | 3.16 | 3.39 | 3.75 | 6.33 | 5.67 | 6.89 | 7.66 | 8.05 | 8.57 | 9.04 | 9.39 | 9.60 |
| Total debt | 2.58 | 7.05 | 8.49 | 11.75 | 9.91 | 6.68 | 3.29 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other liabilities & provisions | 0.24 | 0.27 | 0.37 | 0.52 | 1.88 | 0.94 | 0.83 | 0.67 | 0.57 | 0.49 | 0.52 | 0.50 |
| Equity + liabilities | 9.86 | 14.59 | 16.49 | 23.98 | 22.84 | 19.89 | 17.16 | 14.10 | 14.52 | 14.91 | 15.29 | 15.48 |
| 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 | -0.50 | -2.30 | -1.58 | -2.60 | -0.25 | 4.63 | 4.87 | 4.87 | 2.56 | 1.40 | -0.01 | 0.74 |
| Investing cash flow | -0.23 | -1.15 | -0.01 | -3.06 | 3.09 | -0.75 | 0.00 | 0.00 | -2.29 | -1.29 | 0.76 | -0.17 |
| Free cash flow (after capex) | -0.73 | -2.51 | -1.59 | -2.64 | -0.25 | 4.63 | 4.87 | 4.87 | 2.16 | 0.11 | 0.75 | 0.57 |
| Financing cash flow | 0.43 | 4.47 | 1.44 | 5.76 | -1.79 | -3.20 | -3.37 | -3.37 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net change in cash | -0.30 | 1.02 | -0.15 | 0.10 | 1.04 | 0.68 | 1.50 | 1.50 | 0.27 | 0.11 | 0.75 | 0.57 |
| Cash conversion (OCF / EBITDA) % | -49% | -206% | -85% | -131% | -2% | 306% | 390% | 629% | 690% | 241% | 23% | 307% |
| 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 % | 3.47% | 3.63% | 5.10% | 5.07% | 5.36% | 3.26% | 4.03% | 2.95% | 3.80% | 3.31% | 2.40% | 1.41% |
| Sep 2020 | Mar 2021 | Sep 2021 | Mar 2022 | Sep 2022 | Mar 2023 | Sep 2023 | Mar 2024 | Sep 2024 | Mar 2025 | Sep 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter group % | 61.46% | 62.63% | 63.33% | 63.33% | 63.33% | 64.04% | 64.04% | 64.04% | 64.26% | 69.01% | 69.01% | 69.01% |
| Retail & others % | 38.54% | 37.37% | 36.67% | 36.67% | 36.68% | 35.97% | 35.97% | 35.97% | 35.74% | 30.99% | 31.00% | 31.00% |
| Shareholder count | 133 | 132 | 131 | 130 | 130 | 128 | 127 | 127 | 117 | 116 | 116 | 116 |
Fundamentals
Market value₹ 17.5 Cr.
Last price₹ 32.6
P/E (trailing)83.3
Book value / share₹ 27.9
Return on capital1.88 %
Return on equity1.41 %
Dividend yield0.00 %
Face value₹ 10.0
Revenue CAGR (TTM)-9%
Profit CAGR (TTM)-40%
Standalone figures.
Valuation
Market capRs 18 Cr
Enterprise valueRs 15 Cr
P/E (TTM)86.52x
Price to book1.21x
Price to sales15.40x
EV / EBITDA49.46x
EV / EBIT53.00x
EV / sales12.58x
Price to cash flow24.55x
Earnings yield1.16%
P/E, 3-year average44.42x
P/B, 3-year average0.95x
P/E, 5-year average34.33x
P/B, 5-year average0.82x
Profitability
Operating margin (excl. other income)22.88%
Operating margin (incl. other income)25.42%
EBITDA margin25.42%
Pre-tax margin23.73%
Net profit margin17.80%
ROE1.41%
ROCE1.88%
ROA1.36%
ROE, 3-year average2.37%
ROCE, 3-year average3.13%
ROA, 3-year average2.29%
ROE, 5-year average2.77%
ROCE, 5-year average3.94%
ROA, 5-year average2.60%
ROIC (approx.)1.80%
Tax rate25.00%
Other income / net worth0.20%
Growth
Sales growth (latest year)-9.23%
Profit growth (latest year)-40.00%
Sales CAGR, 3 years-13.29%
Sales CAGR, 5 years-17.73%
Profit CAGR, 3 years-26.08%
Profit CAGR, 5 years-16.26%
Per share
EPS (TTM)Rs 0.39
EPS (latest year)Rs 0.39
EPS, 3-year averageRs 0.64
EPS, 5-year averageRs 0.72
Book value per shareRs 27.87
Sales per shareRs 2.20
Cash flow per shareRs 1.38
Efficiency
Asset turnover0.08x
Fixed asset turnover3.28x
Leverage
Cash and bankRs 3 Cr
Net debtRs -3 Cr
Net debt / EBITDA-11.10x
Owners' fund to total sources96.77%
Cash flow
Operating cash flow (latest year)Rs 1 Cr
Investing cash flow (latest year)Rs -0 Cr
Net change in cash (latest year)Rs 1 Cr
Sales to cash flow1.59x
Statement figures
Net sales (TTM)Rs 1 Cr
Net sales (latest year)Rs 1 Cr
Operating profit excl. other income (latest year)Rs 0 Cr
Other income (TTM)Rs 0 Cr
EBITDA (TTM)Rs 0 Cr
PBDT (TTM)Rs 0 Cr
Profit before tax (TTM)Rs 0 Cr
Tax (latest year)Rs 0 Cr
Net profit (TTM)Rs 0 Cr
Net profit (latest year)Rs 0 Cr
Depreciation (TTM)Rs 0 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 1 Cr
Total income (latest year)Rs 1 Cr
Share capitalRs 5 Cr
ReservesRs 10 Cr
Shareholders' fundsRs 15 Cr
Total assetsRs 15 Cr
Net blockRs 0 Cr
InvestmentsRs 4 Cr
Other liabilitiesRs 0 Cr
Shares outstanding (crore)0.54
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 86.5 is at the 96th percentile of its own 3.8-year range
(median 36.0, low 12.0, high 90.1).
P/B 1.21 is at the 61th percentile (median 1.13).
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 | 536710 | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | +8.9% | -2.8% | +11.6 pts |
| 3 years | +44.9% | +14.2% | +30.7 pts |
| 5 years | -4.0% | +27.9% | -31.9 pts |
Red flags
F-score 5 of 8No red flags in the latest statements and filings.
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
Mar 2026Revenue ₹1 Cr -21.3% vs Mar 2024.
Net profit ₹0 Cr -78.6%.
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 SRG Fingrow Finance Ltd?
SRG Fingrow Finance Ltd (536710) has a market capitalisation of Rs 17.5 Cr. at the 2026-09-17 close.
What is the P/E ratio of SRG Fingrow Finance Ltd?
SRG Fingrow Finance Ltd trades at a P/E of 83.3 on trailing twelve-month profit, at the 2026-09-17 close.
What were SRG Fingrow Finance Ltd's latest quarterly results?
In the Mar 2026 quarter, SRG Fingrow Finance Ltd revenue was Rs 1 Cr (-21.3% vs Mar 2024) and net profit was Rs 0 Cr.