Mantra Capital

Who are in the management team of Savani Financial?

As of March 2018, the management team of Savani Financial includes Deepa Tracy (Managing Director), Manish Chaudhari, Samir Mehta, and Suresh Mhatre (all Non Executive Directors), along with Praful Sheth (Company Secretary & Compliance Officer).

As of March 2018, the management team of Savani Financial includes the following members:<BR><BR>1. Deepa Tracy - Managing Director<BR>2. Manish Chaudhari - Non Executive Director<BR>3. Samir Mehta - Non Executive Director<BR>4. Suresh Mhatre - Non Executive Director<BR>5. Praful Sheth - Company Secretary & Compliance Officer<BR><BR>These individuals are part of the Board of Directors and hold various positions within the company.

What does Savani Financial do?

Savani Financials Ltd is a medium-sized Non-Banking Financial Services Company that provides asset-based finance, investments, and advisory services, primarily in the micro-cap market. As of March 2025, it reported net sales of 2 Cr and a net loss of 4 Cr, with a market cap of Rs 54 Cr.

Overview:<BR>Savani Financials Ltd is a medium-sized Non-Banking Financial Services Company engaged in providing financial services, including asset-based finance, investments, and advisory syndication services, operating in the micro-cap market.<BR><BR>History:<BR>Savani Financials Ltd was incorporated on December 21, 1983, and went public on September 13, 1994. The latest quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 2 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -4 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 54 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.00 <BR>Return on Equity: -24.25% <BR>Price to Book: 1.46<BR><BR>Contact Details:<BR>Address: 91 Mandra House Marol Co-op In, M V Road Andheri (East) Mumbai Maharashtra : 400059 <BR>Tel: 91-22-67604100 <BR>Email: info@savanifinancials.co.in <BR>Website: http://www.savanifinancials.co.in

Has Savani Financial declared dividend?

No Dividend History Available

Who are the peers of the Savani Financial?

Savani Financial's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Nexome Cap. Mkt., Hiliks Technolog, Morarka Finance, and Oasis Securities, with varying management risk, growth, and capital structure ratings among them. Notably, Nexome Cap. Mkt. has the highest 1-year return at 78.96%, while Jio Financial has the lowest at -20.19%.

Peers: The peers of Savani Financial are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Nexome Cap. Mkt., Hiliks Technolog, Morarka Finance, and Oasis Securities.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, and Muthoot Finance, while Average management risk is found at Jio Financial and Oasis Securities. Good management risk is present at Shriram Finance, and Below Average management risk is noted at Nexome Cap. Mkt., Hiliks Technolog, Savani Financial, and Morarka Finance. In terms of growth, Excellent growth is seen at Jio Financial, while Good growth is noted at Bajaj Finance and Cholaman.Inv.&Fn, and Average growth is present at Savani Financial and Muthoot Finance. Below Average growth is observed at Hiliks Technolog and Morarka Finance, while the rest have varying ratings. For capital structure, Excellent capital structure is exhibited by Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Nexome Cap. Mkt., Hiliks Technolog, Savani Financial, and Oasis Securities, while Good capital structure is found at Cholaman.Inv.&Fn, and the rest have Below Average ratings.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Nexome Cap. Mkt. at 78.96%, while the peer with the lowest is Jio Financial at -20.19%. Savani Financial does not have a 1-year return available for comparison. Additionally, the peers with negative six-month returns include Jio Financial, Nexome Cap. Mkt., Hiliks Technolog, Morarka Finance, and Oasis Securities.

What is the technical trend for Savani Financial?

As of May 8, 2025, Savani Financial's technical trend is mildly bearish, influenced by mixed MACD signals, bearish monthly RSI, and daily moving averages, despite some mildly bullish indicators on the weekly timeframe.

As of 8 May 2025, the technical trend for Savani Financial has changed from bearish to mildly bearish. The weekly MACD indicates a mildly bullish stance, while the monthly MACD shows a mildly bearish trend. The RSI on the weekly timeframe has no signal, but the monthly RSI is bearish. Daily moving averages reflect a mildly bearish position. The Bollinger Bands are bearish on the weekly and sideways on the monthly. KST is mildly bullish on the weekly but mildly bearish on the monthly. Dow Theory supports a mildly bullish outlook on both weekly and monthly timeframes. Overall, the current technical stance is mildly bearish, driven primarily by the mixed signals from MACD and moving averages, along with bearish momentum in the monthly RSI.

Who are the top shareholders of the Savani Financial?

The top shareholder of Savani Financial is Deepa Kishor Tracy, holding 74.95% of the shares, with no pledged promoter holdings. The highest public shareholder is Shaunak Jagdish Shah at 4.38%, while individual investors collectively own 20.93%.

The top shareholders of Savani Financial are primarily the promoters, with Deepa Kishor Tracy holding the largest stake at 74.95%. There are no pledged promoter holdings, and the company does not have any mutual funds or foreign institutional investors (FIIs) holding shares. The highest public shareholder is Shaunak Jagdish Shah, who owns 4.38% of the company. Additionally, individual investors collectively hold 20.93% of the shares.

How big is Savani Financial?

As of 24th July, Savani Financials Ltd has a market capitalization of 69.00 Cr, categorizing it as a Micro Cap company. In the latest four quarters, it reported net sales of 5.48 Cr and a net loss of 9.74 Cr, with balance sheet data unavailable.

As of 24th July, Savani Financials Ltd has a market capitalization of 69.00 Cr, which categorizes it as a Micro Cap company.<BR><BR>In the latest four quarters, Savani Financial reported net sales of 5.48 Cr. However, the net profit for the same period showed a loss of 9.74 Cr.<BR><BR>The balance sheet data is unavailable, so specific values for Shareholder's Funds and Total Assets cannot be provided.

How has been the historical performance of Savani Financial?

Savani Financial has experienced significant sales growth, with net sales rising from 0.12 Cr in March 2024 to 3.28 Cr in March 2025, but continues to face profitability challenges, reporting an operating loss of -8.57 Cr and a profit after tax of -8.79 Cr. Despite increased equity capital and positive cash flow from financing activities, the company struggles with negative cash flow from operations.

Answer:<BR>The historical performance of Savani Financial shows significant fluctuations in its financial metrics over the years, particularly from March 2019 to March 2025.<BR><BR>Breakdown:<BR>Savani Financial's net sales have increased dramatically from 0.12 Cr in March 2024 to 3.28 Cr in March 2025, marking a substantial growth. Other operating income, which was previously non-existent, rose to 0.15 Cr in March 2025, contributing to a total operating income of 3.43 Cr for the same period. However, the total expenditure, excluding depreciation, surged to 12.00 Cr in March 2025, leading to an operating profit (PBDIT) of -8.57 Cr, a notable decline from -2.00 Cr in March 2024. This trend continued with the profit before tax dropping to -8.84 Cr in March 2025, compared to -2.00 Cr in the previous year, resulting in a profit after tax of -8.79 Cr. The company's equity capital increased significantly to 31.99 Cr in March 2025 from 4.00 Cr in March 2024, while reserves improved to 7.97 Cr, indicating a recovery from negative reserves in prior years. The total liabilities also rose to 48.22 Cr, reflecting increased short-term borrowings of 4.94 Cr. Cash flow from operating activities remained negative at -8.00 Cr, but cash flow from financing activities showed a positive inflow of 51.00 Cr, resulting in a net cash inflow of 6.00 Cr by March 2025. Overall, while Savani Financial has shown growth in sales and capital, it continues to face challenges with profitability and cash flow management.

Is Savani Financial overvalued or undervalued?

As of December 4, 2025, Savani Financial is considered very expensive and overvalued due to negative financial ratios and significant underperformance compared to its peers and the Sensex, making it a poor investment at its current price of 16.00.

As of 4 December 2025, Savani Financial's valuation grade has moved from risky to very expensive. The company is currently overvalued, indicated by a PE ratio of -4.37, an EV to EBITDA of -9.40, and a ROE of -34.21%. These figures suggest significant financial distress compared to its peers, such as Bajaj Finance, which has a PE ratio of 34.9, and Life Insurance, which boasts a more attractive valuation with a PE of 10.85.<BR><BR>In addition to the concerning ratios, Savani Financial's performance has lagged behind the Sensex, particularly over the year-to-date period, where it has seen a decline of 27.27% compared to the Sensex's gain of 9.12%. This underperformance, combined with the negative ratios, reinforces the conclusion that Savani Financial is not a viable investment at its current price of 16.00.

When is the next results date for Savani Financials Ltd?

The next results date for Savani Financials Ltd is January 30, 2026.

The next results date for Savani Financials Ltd is scheduled for January 30, 2026.

Are Savani Financials Ltd latest results good or bad?

Savani Financials Ltd's latest results show significant challenges, with a net loss of ₹3.06 crores despite a 524% year-on-year revenue growth. The company faces persistent operational losses and high costs, indicating ongoing financial distress and an uncertain outlook for investors.

Savani Financials Ltd's latest results present a mixed picture, but overall, they indicate significant challenges. In Q3 FY26, the company reported a net loss of ₹3.06 crores, which is a 4.67% improvement from the previous quarter but a 59.38% increase in losses year-on-year. This suggests that while the losses are slightly narrowing, they are still substantial.<BR><BR>On the positive side, the company achieved remarkable revenue growth of 524% year-on-year, with net sales reaching ₹4.68 crores, up 42.25% from the previous quarter. However, this impressive top-line growth has not translated into profitability, as the operating margin remains deeply negative at -23.29%, and the return on equity is also concerning at -34.21%.<BR><BR>The operational challenges are underscored by high employee costs, which consumed 78.42% of revenues, indicating inefficiencies in the cost structure. Additionally, the company has seen a significant rise in interest expenses, reflecting a growing reliance on debt.<BR><BR>Overall, while Savani Financials has demonstrated an ability to scale revenues, the persistent operational losses and structural inefficiencies overshadow these achievements. The financial performance suggests that the company is still in distress, and the outlook remains uncertain. Investors should be cautious given the combination of ongoing losses, high leverage, and lack of institutional interest.

Should I buy, sell or hold Savani Financials Ltd?

Why is Savani Financials Ltd falling/rising?

As of 10-Feb, Savani Financials Ltd's stock price is at 14.75, reflecting a decline of 1.67%. The stock has underperformed against the Sensex and shows a bearish trend, with decreasing investor participation and trading volume.

As of 10-Feb, Savani Financials Ltd's stock price is falling, currently at 14.75, which reflects a decrease of 0.25 or 1.67%. The stock has underperformed compared to the benchmark Sensex, which has gained 0.64% over the past week, while Savani Financials has declined by 2.38%. Over the past month, the stock has also decreased by 1.67%, contrasting with a 0.83% increase in the Sensex.<BR><BR>The stock has been on a downward trend, having fallen consecutively for the last two days, resulting in a total decline of 2.25% during this period. Additionally, Savani Financials is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend.<BR><BR>Investor participation appears to be decreasing, as evidenced by a 21.84% drop in delivery volume compared to the 5-day average. This decline in trading activity further suggests a lack of confidence among investors, contributing to the stock's falling price. Overall, these factors collectively indicate that Savani Financials Ltd is experiencing a decline in its stock price.

Which are the latest news on Savani Financial?