S I Cap. & Fin.

Why is S I Capital & Financial Services Ltd falling/rising?

As of 01-Sep, the stock price of S I Capital & Financial Services Ltd is at 14.98, down -0.13%, with a -2.73% decline over the last two days and a significant drop in investor participation. The stock has a negative return of -12.91% over the past month, weak fundamentals, and a high Price to Book Value ratio, indicating concerns about its long-term viability.

As of 01-Sep, the stock price of S I Capital & Financial Services Ltd is falling, currently at 14.98, reflecting a change of -0.02 (-0.13%). The stock has been experiencing a consecutive decline, having lost -2.73% over the last two days. This downward trend is compounded by a significant drop in investor participation, with delivery volume on 31 August falling by -50.45% compared to the 5-day average. <BR><BR>In terms of performance relative to the market, while the stock outperformed its sector by 1.33% today, it has shown a negative return of -12.91% over the past month, contrasting with a minor decline of -1.47% in the benchmark Sensex during the same period. Furthermore, the stock's long-term fundamentals appear weak, with an average Return on Equity (ROE) of only 1.82% and a concerning drop in profits by -40% over the past year. <BR><BR>Additionally, the stock is trading at a high Price to Book Value ratio of 3.2, indicating an expensive valuation compared to its peers. These factors collectively contribute to the stock's falling price, reflecting investor concerns about its long-term viability and performance.

Who are in the management team of S I Cap. & Fin.?

The management team of S I Cap. & Fin. includes Sreeram Gopinathan Nair (Managing Director), Jitha Chummar, Vadukkot Mathayi Xaviour, Vinod Manazhy, and several additional directors and company secretaries, bringing diverse expertise to the company.

The management team of S I Cap. & Fin. includes the following individuals:<BR><BR>1. **Sreeram Gopinathan Nair** - Managing Director<BR>2. **Jitha Chummar** - Additional Director<BR>3. **Vadukkot Mathayi Xaviour** - Additional Independent Director<BR>4. **Vinod Manazhy** - Additional Independent Director<BR>5. **Aneetta C Vilson** - Company Secretary<BR>6. **Rajesh Narayan Pillai** - Additional Non-Executive Director & Independent Director<BR>7. **Anil Menon** - Non-Executive Director<BR>8. **Ramanathan Anchery** - Additional Non-Executive Director<BR>9. **Thandassery Balachandran Ramakrishnan** - Additional Non-Executive Director<BR>10. **A Unnikrishnan** - Additional Director (listed twice)<BR>11. **Habeeb Rahiman** - Additional Director<BR>12. **George Abraham** - Additional Director<BR>13. **Thomas Jacob** - Additional Director<BR>14. **Anu Thomas Cheriyan** - Additional Director<BR>15. **AKHIL T.M** - Company Secretary & Compliance Officer<BR>16. **Kuriakkose Paul Kannanaikkal** - Additional Director<BR><BR>This team brings a diverse set of skills and experiences to the company.

What does S I Cap. & Fin. do?

S I Capital & Financial Services Ltd is a Non-systematically Important Non-Deposit taking NBFC and Full Fledged Money Changer based in Chennai, specializing in diversified commercial services. As of June 2026, it reported net sales of 1 Cr and a market cap of INR 19 Cr.

Overview: <BR>S I Capital & Financial Services Ltd operates as a Non-systematically Important Non-Deposit taking NBFC and a Full Fledged Money Changer within the Diversified Commercial Services industry, categorized as a Micro Cap company.<BR><BR>History: <BR>The company was incorporated on November 08, 1994, in Chennai, Tamil Nadu. It has maintained its status as a Non-systematically Important Non-Deposit taking NBFC. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 1 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 0 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 19 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 70.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 1.40 <BR>Return on Equity: 4.64% <BR>Price to Book: 3.26<BR><BR>Contact Details: <BR>Address: Montieth Court, 64 Montieth Road Egmore Chennai Tamil Nadu : 600008 <BR>Tel: 91-044-28415438/28415439 <BR>Email: info@sicapital.co.in <BR>Website: http://www.sicapital.co.in

Who are the peers of the S I Cap. & Fin.?

Peers of S I Cap. & Fin. include Monotype India, Enbee Trade, Rapid Invest., and others. Enbee Trade and Greencrest Finan show excellent management and growth, while Golech.Glob.Fin. has the highest 1-year return at 11.31%, and Monotype India has the lowest at -48.33%.

Peers: The peers of S I Cap. & Fin. are Monotype India, Enbee Trade, Rapid Invest., Samyak Internati, Vrundavan Planta, Greencrest Finan, Sawaca Enterpri., Zenlabs Ethica, and Golech.Glob.Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Enbee Trade, Greencrest Finan, Rapid Invest., and the rest have Below Average management risk. Excellent growth is noted at Enbee Trade and Greencrest Finan, while Good growth is found at S I Cap. & Fin. and Vrundavan Planta, with Average growth at Rapid Invest., Samyak Internati, and the rest. Excellent capital structure is seen at Enbee Trade, Greencrest Finan, Rapid Invest., and the rest have Below Average capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Golech.Glob.Fin. at 11.31%, while the lowest is Monotype India at -48.33%. S I Cap. & Fin. does not have a 1-year return specified for comparison. Additionally, Sawaca Enterpri. and Monotype India have negative six-month returns.

How big is S I Cap. & Fin.?

As of 31st August, S I Capital & Financial Services Ltd has a market capitalization of 19.00 Cr, classifying it as a Micro Cap company, with recent Net Sales of 3.19 Cr and a Net Profit loss of 0.00 Cr. Shareholder's Funds were 5.82 Cr and Total Assets were 14.37 Cr as of March 2026.

As of 31st August, S I Capital & Financial Services Ltd has a market capitalization of 19.00 Cr, classifying it as a Micro Cap company.<BR><BR>In the latest two quarters, the company reported Net Sales of 3.19 Cr. The Net Profit for the same period was a loss of 0.00 Cr.<BR><BR>The latest annual period for the balance sheet is March 2026, where Shareholder's Funds amounted to 5.82 Cr and Total Assets were valued at 14.37 Cr.

Which are the latest news on S I Cap. & Fin.?

Should I buy, sell or hold S I Capital & Financial Services Ltd?

When is the next results date for S I Capital & Financial Services Ltd?

The next results date for S I Capital & Financial Services Ltd is July 24, 2026.

The next results date for S I Capital & Financial Services Ltd is scheduled for July 24, 2026.

Are S I Capital & Financial Services Ltd latest results good or bad?

S I Capital & Financial Services Ltd's latest results are concerning, showing zero operating profit and a significant working capital deficit, with current liabilities far exceeding current assets. Overall, the company's financial performance is poor, indicating high risks for investors.

The latest results for S I Capital & Financial Services Ltd indicate a troubling financial situation. For the fiscal year ending March 2024, the company reported net sales of just ₹1.00 crore, with total expenditures matching that amount, resulting in zero operating profit and no profit after tax. This pattern of minimal activity has persisted in recent years, raising serious concerns about the company's operational viability.<BR><BR>The balance sheet also reflects deteriorating fundamentals, with current liabilities surging by 166% to ₹7.33 crores, while current assets remain low at ₹0.70 crores. This creates a significant working capital deficit. Additionally, the company's average return on equity (ROE) is a weak 2.52%, and its debt-to-equity ratio of 1.07 suggests high leverage, which is concerning given the lack of revenue generation.<BR><BR>Cash flow analysis reveals negative cash flow from operations, indicating a reliance on external financing to sustain operations. The company has not generated meaningful cash from its activities in recent years, with a closing cash position remaining at zero.<BR><BR>Overall, the financial performance of S I Capital & Financial Services Ltd can be characterized as poor, with critical concerns about revenue generation, balance sheet quality, and operational sustainability. Investors should be cautious, as the company's current state presents more risks than opportunities.

How has been the historical performance of S I Cap. & Fin.?

S I Cap. & Fin. has shown significant growth in net sales and total operating income, reaching 2.56 Cr in Mar'25, but faced rising expenditures leading to fluctuating operating profits. Despite a profit turnaround in Mar'25, the company struggles with negative cash flow and increasing liabilities due to short-term borrowings.

Answer:<BR>The historical performance of S I Cap. & Fin. shows a significant increase in net sales over the years, rising from 0.34 Cr in Mar'20 to 2.56 Cr in Mar'25. The total operating income followed a similar trend, reaching 2.56 Cr in Mar'25, up from 0.33 Cr in Mar'19. However, the company faced challenges with total expenditure, which increased from 0.39 Cr in Mar'19 to 2.38 Cr in Mar'25. This led to fluctuating operating profits, with a notable recovery to 0.24 Cr in Mar'25 after experiencing losses in previous years. Profit before tax also improved to 0.17 Cr in Mar'25, compared to a loss of 0.72 Cr in Mar'24. The profit after tax mirrored this trend, achieving 0.17 Cr in Mar'25 after a loss of 0.72 Cr in the prior year. The company's equity capital increased to 4.85 Cr in Mar'25, while total liabilities rose significantly to 10.13 Cr, driven by an increase in short-term borrowings. The cash flow from operating activities remained negative at -4.00 Cr in Mar'24, indicating ongoing liquidity challenges.<BR><BR>Breakdown:<BR>S I Cap. & Fin. has demonstrated a robust growth trajectory in net sales, escalating from 0.34 Cr in Mar'20 to 2.56 Cr in Mar'25, reflecting a strong upward trend in total operating income as well. Despite this growth, total expenditure has also surged, leading to fluctuating operating profits, which turned positive at 0.24 Cr in Mar'25 after several years of losses. The company achieved a profit before tax of 0.17 Cr in Mar'25, a significant turnaround from the previous year's loss. The increase in equity capital to 4.85 Cr in Mar'25 indicates a strengthening financial position, although total liabilities have also increased to 10.13 Cr, primarily due to rising short-term borrowings. The cash flow from operating activities has been negative, highlighting liquidity issues that the company needs to address moving forward.

Is S I Cap. & Fin. overvalued or undervalued?

As of October 23, 2025, S I Cap. & Fin. has improved its valuation grade to very attractive, indicating it is undervalued with strong growth potential, as evidenced by its favorable PE ratio of 23.37 and PEG ratio of 0.13 compared to peers like Bajaj Finance and Life Insurance, despite a recent 1Y return of -34.04%.

As of 23 October 2025, the valuation grade for S I Cap. & Fin. has moved from fair to very attractive, indicating a significant improvement in its perceived value. The company appears to be undervalued based on its current metrics. Key ratios include a PE ratio of 23.37, an EV to EBITDA of 15.22, and a PEG ratio of 0.13, which suggests strong growth potential relative to its price.<BR><BR>In comparison to peers, S I Cap. & Fin. stands out favorably against Bajaj Finance, which has a PE ratio of 39.07 and a PEG ratio of 2.42, indicating it is significantly more expensive. Similarly, Life Insurance has a PE of 11.68, reinforcing the attractiveness of S I Cap. & Fin.'s valuation. Despite recent stock performance lagging behind the Sensex, with a 1Y return of -34.04% compared to the Sensex's 5.59%, the underlying fundamentals suggest that the stock is positioned for potential upside.

Who are the top shareholders of the S I Cap. & Fin.?

The top shareholders of S I Cap. & Fin. are Sharewealth Securities Limited with 41.1%, followed by Mekkattukulam Anto Jayson at 13.4%, and individual investors collectively holding 43.94%. There are no institutional holdings from mutual funds or foreign investors.

The top shareholders of S I Cap. & Fin. include Sharewealth Securities Limited, which holds the largest stake at 41.1%. The highest public shareholder is Mekkattukulam Anto Jayson, with a holding of 13.4%. Additionally, individual investors collectively hold 43.94% of the shares. There are no institutional holdings from mutual funds or foreign institutional investors.

What is the technical trend for S I Cap. & Fin.?

As of May 28, 2025, S I Cap. & Fin. shows a mildly bullish trend, supported by daily moving averages and Bollinger Bands, though tempered by a mildly bearish weekly MACD and mixed signals overall.

As of 28 May 2025, the technical trend for S I Cap. & Fin. has changed from does not qualify to mildly bullish. The current stance is mildly bullish, supported by a daily moving average indicating mild bullishness and a bullish signal from the Bollinger Bands on both weekly and monthly time frames. However, the weekly MACD remains mildly bearish, which tempers the overall bullish sentiment. The KST is bullish on both weekly and monthly time frames, while the OBV shows mild bearishness on the weekly but no trend on the monthly. Overall, the mixed signals suggest a cautious bullish outlook, with strength primarily driven by moving averages and Bollinger Bands.

Has S I Cap. & Fin. declared dividend?

No Dividend History Available