Sumedha Fiscal Services Ltd Falls to 52-Week Low Amidst Continued Downtrend

Recent Price Movement and Market Context

On 12 Feb 2026, Sumedha Fiscal Services Ltd’s share price reached Rs.36.9, the lowest level in the past year, down from its 52-week high of Rs.83.29. This decline contrasts sharply with the broader market trend, where the Sensex, despite opening 265.21 points lower, is trading at 83,891.79, just 2.7% below its own 52-week high of 86,159.02. The Sensex has also recorded a three-week consecutive rise, gaining 2.89% over this period.

Sumedha Fiscal’s performance over the last year has been notably weaker, with a total return of -46.69%, compared to the Sensex’s positive return of 10.14%. The stock is currently trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling persistent bearish momentum.

Financial Performance and Fundamental Assessment

The company’s recent quarterly results have reflected a downturn in profitability. For the quarter ending December 2025, Profit Before Tax (PBT) excluding other income stood at Rs.0.35 crore, representing a sharp decline of 79.6% compared to the average of the previous four quarters. Similarly, Profit After Tax (PAT) for the quarter was Rs.0.24 crore, down 85.7% relative to the prior four-quarter average.

Operating profit to net sales ratio for the quarter was recorded at 2.08%, the lowest level observed in recent periods. These figures highlight a contraction in earnings quality and operational efficiency.

Long-Term Performance and Valuation Metrics

Sumedha Fiscal Services Ltd’s long-term financial metrics also indicate challenges. The company’s average Return on Equity (ROE) stands at 9.36%, which is considered weak for the NBFC sector. This has contributed to a downgrade in its Mojo Grade from Sell to Strong Sell as of 25 Aug 2025, with a current Mojo Score of 17.0.

Despite the subdued earnings, the stock’s valuation remains attractive on certain parameters. It trades at a Price to Book Value of 0.4, indicating a significant discount relative to its peers’ historical valuations. The company’s ROE of 9.9% further supports this valuation perspective, although it has not translated into positive returns for shareholders over the past year.

Comparative Performance and Shareholding Structure

Over the last three years, Sumedha Fiscal Services Ltd has underperformed the BSE500 index across multiple time frames including the 3-year, 1-year, and 3-month periods. This consistent underperformance has been a factor in the stock’s current grading and market sentiment.

The majority of the company’s shares are held by non-institutional investors, which may influence liquidity and trading patterns. The stock’s day change on 12 Feb 2026 was -0.35%, aligning with sector performance on the same day.

Sector and Market Environment

The NBFC sector, to which Sumedha Fiscal belongs, has experienced mixed trends recently. While the broader market indices like the Sensex have shown resilience, individual stocks within the sector have faced varied pressures. Sumedha Fiscal’s current trading below all major moving averages contrasts with the Sensex’s position, where the 50-day moving average remains above the 200-day moving average, signalling a generally positive medium-term trend for the market.

Profitability Trends and Market Capitalisation

Profitability has declined significantly over the past year, with profits falling by 43.3%. This decline has contributed to the stock’s negative returns and the current market valuation. The company’s market capitalisation grade is rated 4, reflecting its relative size and market standing within the NBFC sector.

While the valuation metrics suggest the stock is trading at a discount, the underlying financial performance and recent price action indicate ongoing pressures that have led to the new 52-week low.

Summary of Key Metrics

To summarise, Sumedha Fiscal Services Ltd’s key data points as of 12 Feb 2026 are:

• New 52-week low price: Rs.36.9
• 52-week high price: Rs.83.29
• One-year return: -46.69%
• Mojo Score: 17.0 (Strong Sell, upgraded from Sell on 25 Aug 2025)
• Average ROE: 9.36%
• Price to Book Value: 0.4
• Profit Before Tax (Q4 Dec 2025): Rs.0.35 crore (-79.6%)
• Profit After Tax (Q4 Dec 2025): Rs.0.24 crore (-85.7%)
• Operating Profit to Net Sales (Q4 Dec 2025): 2.08%

The stock’s recent performance and financial indicators reflect a challenging environment for Sumedha Fiscal Services Ltd, with the new 52-week low underscoring the pressures faced by the company in the current market context.

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