Sumedha Fiscal Services Ltd Falls to 52-Week Low of Rs.40.05

Stock Performance and Market Context

On 28 Jan 2026, Sumedha Fiscal Services Ltd’s share price fell by 2.28% to reach Rs.40.05, its lowest level in the past year. This decline comes after two consecutive days of losses, during which the stock has dropped by 5.64%. The stock’s performance today notably lagged the NBFC sector by 3.89%, while the broader Sensex index advanced by 0.5%, closing at 82,263.25 points. The Sensex remains within 4.74% of its 52-week high of 86,159.02, supported by gains in mega-cap stocks.

Sumedha Fiscal is currently trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling sustained downward momentum. This technical positioning contrasts with the broader market’s mixed signals, where the Sensex trades below its 50-day moving average but with the 50-day average itself above the 200-day average, indicating a cautiously optimistic medium-term trend.

Financial Performance and Valuation Metrics

The company’s financial results have contributed to the subdued investor sentiment. The latest quarterly profit after tax (PAT) stood at Rs.1.57 crore, representing a decline of 23.4% compared to the average of the previous four quarters. Net sales over the last six months have also contracted by 22.39%, amounting to Rs.52.99 crore. These figures highlight a period of subdued revenue generation and profitability.

Over the past year, Sumedha Fiscal Services Ltd’s stock has delivered a negative return of 42.45%, significantly underperforming the Sensex’s positive 8.38% return over the same period. The stock’s 52-week high was Rs.83.29, underscoring the extent of the decline from its peak.

The company’s long-term financial strength is reflected in its average return on equity (ROE) of 9.36%, which is considered weak relative to industry standards. This metric has contributed to the stock’s downgrade from a ‘Sell’ to a ‘Strong Sell’ rating on 25 Aug 2025, with a current Mojo Score of 26.0. The Market Cap Grade stands at 4, indicating a relatively modest market capitalisation within its peer group.

Comparative Performance and Peer Analysis

Sumedha Fiscal Services Ltd has consistently underperformed not only the Sensex but also the BSE500 index over multiple time frames, including the last three years, one year, and three months. This persistent underperformance reflects challenges in maintaining competitive growth and profitability within the NBFC sector.

Despite the weak returns, the stock’s valuation metrics present a contrasting picture. With a price-to-book value of 0.5, the stock is trading at a very attractive valuation relative to its peers’ historical averages. The company’s ROE of 9.9% further supports this valuation perspective, suggesting that the market is pricing in significant risks or uncertainties.

Profitability has also declined over the past year, with profits falling by 20.1%, reinforcing the cautious stance adopted by market participants. The majority of the company’s shares are held by non-institutional investors, which may influence liquidity and trading dynamics.

Summary of Key Metrics

To summarise, Sumedha Fiscal Services Ltd’s current market position is characterised by:

• A 52-week low share price of Rs.40.05, down from a high of Rs.83.29
• A one-year stock return of -42.45%, contrasting with the Sensex’s 8.38% gain
• Declining quarterly PAT of Rs.1.57 crore, down 23.4% from recent averages
• Net sales contraction of 22.39% over the last six months
• Weak long-term ROE averaging 9.36%
• Valuation metrics indicating a price-to-book ratio of 0.5 and ROE of 9.9%
• Mojo Grade downgraded to Strong Sell with a score of 26.0 as of 25 Aug 2025

The stock’s performance and financial indicators reflect a period of subdued growth and profitability within the NBFC sector, with valuation levels suggesting the market is pricing in these challenges.

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