Sumedha Fiscal

What does Sumedha Fiscal do?

Sumedha Fiscal Services Ltd is a Micro Cap NBFC established in 1989, providing financial services with a recent quarterly net sales of 17 Cr and a market cap of Rs 51 Cr. Key metrics include a P/E of 7.00, a dividend yield of 1.56%, and a return on equity of 11.29%.

Overview:<BR>Sumedha Fiscal Services Ltd is a prominent financial services company operating in the Non Banking Financial Company (NBFC) sector, categorized as a Micro Cap.<BR><BR>History:<BR>Incorporated in 1989, Sumedha Fiscal Services Ltd has evolved into a leading financial services provider. The latest quarterly results reported net sales and profit for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>Net Sales: 17 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 0 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: Rs 51 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 7.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 1.56% <BR>Debt Equity: 0.00 <BR>Return on Equity: 11.29% <BR>Price to Book: 0.79 <BR><BR>Contact Details:<BR>Address: 8B Middleton Street, Geetanjali Flat No 6 A Kolkata West Bengal : 700071 <BR>Tel: 91-33-22298936/6758/3237/4473 <BR>Email: kolkata@sumedhafiscal.com <BR>Website: http://www.sumedhafiscal.com

Who are in the management team of Sumedha Fiscal?

As of March 2023, the management team of Sumedha Fiscal includes Vijay Maheshwari, Bijay Murmuria, Bhawani Shankar Rathi, Basudeb Sen, Anil Kumar Birla, Prashant Sekhar Panda, Garima Maheshwari, S A Ramesh Rangan, Santanu Mukherjee, and Dhwani Fatehpuria, featuring a mix of executive, non-executive, and independent directors.

As of March 2023, the management team of Sumedha Fiscal includes the following individuals:<BR><BR>1. Vijay Maheshwari - Non Executive Director<BR>2. Bijay Murmuria - Non Executive Director<BR>3. Bhawani Shankar Rathi - Whole-time Director<BR>4. Basudeb Sen - Independent Director<BR>5. Anil Kumar Birla - Non Executive Director<BR>6. Prashant Sekhar Panda - Independent Director<BR>7. Garima Maheshwari - Non Executive Director<BR>8. S A Ramesh Rangan - Independent Director<BR>9. Santanu Mukherjee - Independent Director<BR>10. Dhwani Fatehpuria - Company Secretary & Compliance Officer<BR><BR>This diverse team encompasses various roles, including executive, non-executive, and independent directors, contributing to the governance and management of the company.

Has Sumedha Fiscal declared dividend?

Yes, Sumedha Fiscal Services Ltd has declared a 10% dividend, with an ex-date of August 21, 2024. While recent returns have shown volatility, the company has demonstrated significant growth over the longer term, particularly in the last 4 and 5 years.

Sumedha Fiscal Services Ltd has declared a 10% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 10%<BR>- Ex-date: 21 Aug 24<BR><BR>Dividend Yield: 1.56%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -38.46%, the dividend return was 0%, resulting in a total return of -38.46%.<BR><BR>Over the past year, the price return was 22.0%, the dividend return was 1.92%, leading to a total return of 23.92%.<BR><BR>In the 2-year period, the price return was 23.74%, the dividend return was 4.14%, culminating in a total return of 27.88%.<BR><BR>For the 3-year period, the price return was -22.75%, the dividend return was 3.06%, resulting in a total return of -19.69%.<BR><BR>In the last 4 years, the price return was 129.39%, the dividend return was 12.84%, giving a total return of 142.23%.<BR><BR>Over the 5-year period, the price return was 326.38%, the dividend return was 28.57%, resulting in a total return of 354.95%.<BR><BR>Overall, Sumedha Fiscal has declared a dividend, and while the recent returns show some volatility, the longer-term performance indicates significant growth, particularly in price returns over the 4 and 5-year periods.

Who are the peers of the Sumedha Fiscal?

Sumedha Fiscal's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Sugal & Damani, Indus Finance, Gowra Leasing, KJMC Financial, and Nam Securities. In terms of management risk, growth, and capital structure, Sumedha Fiscal ranks below average in management risk but shows good growth and an excellent capital structure.

Peers: The peers of Sumedha Fiscal are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Sugal & Damani, Indus Finance, Gowra Leasing, KJMC Financial, and Nam Securities.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial, and Good management risk is noted at Shriram Finance. Below Average management risk is seen at Sumedha Fiscal, Sugal & Damani, Indus Finance, Gowra Leasing, KJMC Financial, and Nam Securities. Growth is Excellent at Jio Financial, Sumedha Fiscal, Gowra Leasing, while Good growth is noted at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, Sugal & Damani, Indus Finance, KJMC Financial. Average growth is observed at Muthoot Finance, and Below Average growth is seen at Nam Securities. Capital Structure is Excellent at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Sumedha Fiscal, Sugal & Damani, Indus Finance, Gowra Leasing, KJMC Financial, and Nam Securities, while Good capital structure is noted at Cholaman.Inv.&Fn.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Sugal & Damani at 147.26%, while the lowest is Jio Financial at -20.19%. Sumedha Fiscal's 1-year return of 22.07% is higher than Jio Financial's but lower than Sugal & Damani's. Additionally, Jio Financial, KJMC Financial, and Nam Securities have negative six-month returns.

What is the technical trend for Sumedha Fiscal?

As of May 20, 2025, Sumedha Fiscal's trend is mildly bearish, with bearish weekly MACD and daily moving averages, while monthly indicators show mixed signals.

As of 20 May 2025, the technical trend for Sumedha Fiscal has changed from bearish to mildly bearish. The weekly MACD remains bearish, while the monthly MACD is mildly bearish, indicating a lack of strong upward momentum. The daily moving averages are bearish, further supporting the negative sentiment in the short term. The Bollinger Bands show a mildly bearish stance on the weekly chart but are bullish on the monthly chart, suggesting mixed signals across different time frames. The KST is bearish weekly but bullish monthly, adding to the complexity of the current trend. Overall, the stance is mildly bearish, with key indicators such as the weekly MACD and daily moving averages driving this view.

Who are the top shareholders of the Sumedha Fiscal?

The top shareholder of Sumedha Fiscal is Vijay Maheshwari with a 20.91% stake, while Rdh Plastics & Metals Pvt Ltd holds 1.88%. Individual investors collectively own 36.87% of the shares, and there are no pledged promoter holdings or mutual fund investments.

The top shareholders of Sumedha Fiscal include Vijay Maheshwari, who holds the highest stake at 20.91%. In terms of public shareholders, Rdh Plastics & Metals Pvt Ltd is the largest, with a holding of 1.88%. Additionally, individual investors collectively hold 36.87% of the company's shares. The company has no pledged promoter holdings and is held by one foreign institutional investor, which accounts for 0.17% of the shares. There are no mutual funds currently invested in the company.

How big is Sumedha Fiscal?

As of 24th July, Sumedha Fiscal Services Ltd has a market capitalization of 48.00 Cr, with Net Sales of 102.37 Cr and a Net Profit of 7.28 Cr over the latest four quarters. The company has Shareholder's Funds of 57.42 Cr and Total Assets of 59.78 Cr.

As of 24th July, Sumedha Fiscal Services Ltd has a market capitalization of 48.00 Cr, categorizing it as a Micro Cap company.<BR><BR>For the latest four quarters, Sumedha Fiscal reported Net Sales of 102.37 Cr and a Net Profit of 7.28 Cr.<BR><BR>As of the latest annual period, the company has Shareholder's Funds amounting to 57.42 Cr and Total Assets of 59.78 Cr.

How has been the historical performance of Sumedha Fiscal?

Sumedha Fiscal has shown consistent growth in net sales and total operating income, increasing from 18.64 crore in March 2019 to 102.36 crore in March 2025. However, profitability metrics and cash flow have experienced volatility, with profit after tax declining from 7.85 crore in March 2024 to 7.31 crore in March 2025.

Answer:<BR>The historical performance of Sumedha Fiscal shows a fluctuating trend in key financial metrics over the years.<BR><BR>Breakdown:<BR>Sumedha Fiscal's net sales have shown a consistent increase, rising from 18.64 crore in March 2019 to 102.36 crore in March 2025. Total operating income has followed a similar trajectory, reaching 102.36 crore in March 2025, up from 60.67 crore in March 2023. However, total expenditure has also increased, from 12.45 crore in March 2019 to 96.10 crore in March 2025, impacting operating profit, which was 10.10 crore in March 2025, slightly down from 10.14 crore in March 2024. Profit before tax has remained relatively stable, with a slight decrease to 9.24 crore in March 2025 from 9.40 crore in March 2024. Profit after tax was 7.31 crore in March 2025, down from 7.85 crore in March 2024, while consolidated net profit also decreased to 7.28 crore in March 2025 from 7.65 crore in March 2024. The company's total assets increased to 67.75 crore in March 2025 from 59.78 crore in March 2024, and total liabilities rose to 67.75 crore from 59.78 crore in the same period. Cash flow from operating activities was 1.00 crore in March 2025, down from 3.00 crore in March 2024, indicating a decline in cash generation capacity. Overall, while Sumedha Fiscal has experienced growth in sales and total income, profitability and cash flow metrics have shown some volatility.

How has been the historical performance of Sumedha Fiscal?

Sumedha Fiscal has shown consistent growth in net sales and total assets, increasing from 18.64 Cr in Mar'19 to 102.36 Cr in Mar'25. However, profitability metrics like operating profit and profit after tax have fluctuated, with a decline noted in recent years.

Answer:<BR>The historical performance of Sumedha Fiscal shows a fluctuating trend in key financial metrics over the years.<BR><BR>Breakdown:<BR>Sumedha Fiscal's net sales have shown a consistent increase, rising from 18.64 Cr in Mar'19 to 102.36 Cr in Mar'25. Total operating income followed the same upward trajectory, reaching 102.36 Cr in Mar'25 from 18.64 Cr in Mar'19. The total expenditure, excluding depreciation, also increased significantly from 12.45 Cr in Mar'19 to 96.10 Cr in Mar'25. Operating profit (PBDIT) fluctuated, peaking at 10.34 Cr in Mar'21 and then declining to 10.10 Cr in Mar'25. Profit before tax showed a similar pattern, with a high of 9.76 Cr in Mar'21 and a slight decrease to 9.24 Cr in Mar'25. Profit after tax reached 7.31 Cr in Mar'25, down from 8.46 Cr in Mar'21. The company's total assets increased from 41.13 Cr in Mar'20 to 67.75 Cr in Mar'25, while total liabilities rose from 41.13 Cr in Mar'20 to 67.75 Cr in Mar'25, indicating a stable financial structure with no long-term or short-term borrowings. Cash flow from operating activities has been variable, with a notable decline from 4.00 Cr in Mar'22 to 1.00 Cr in Mar'25. Overall, Sumedha Fiscal has demonstrated growth in sales and assets, although profitability metrics have shown some volatility.

Is Sumedha Fiscal overvalued or undervalued?

As of December 4, 2025, Sumedha Fiscal is considered an attractive investment opportunity due to its undervalued metrics, including a PE ratio of 6.08, compared to peers like Bajaj Finance at 34.9, despite a recent stock decline of 53.24% against the Sensex's 5.32% increase.

As of 4 December 2025, the valuation grade for Sumedha Fiscal has moved from very attractive to attractive, indicating a shift in market perception. The company is currently considered undervalued, with a PE ratio of 6.08, a Price to Book Value of 0.60, and an EV to EBITDA ratio of 3.85. These figures suggest that the stock is trading at a significant discount compared to its earnings and asset value.<BR><BR>In comparison to its peers, Sumedha Fiscal's valuation metrics stand out, particularly against Bajaj Finance, which has a PE ratio of 34.9, and Life Insurance, with a PE ratio of 10.85. The disparity in these ratios highlights Sumedha Fiscal's attractiveness as an investment opportunity within the Non-Banking Financial Company sector. Despite recent stock performance lagging behind the Sensex, particularly over the past year with a decline of 53.24% compared to the Sensex's 5.32% increase, the current valuation presents a compelling case for potential upside.

When is the next results date for Sumedha Fiscal Services Ltd?

The next results date for Sumedha Fiscal Services Ltd is 24 May 2026.

The next results date for Sumedha Fiscal Services Ltd is scheduled for 24 May 2026.

Should I buy, sell or hold Sumedha Fiscal Services Ltd?

Are Sumedha Fiscal Services Ltd latest results good or bad?

The latest results for Sumedha Fiscal Services Ltd are concerning, showing a net loss of ₹2.30 crores in Q4 FY26, a decline of 951.85% year-on-year, despite a 71.62% revenue growth. The company faces significant operational challenges, indicated by negative operating margins, making the results classified as bad.

The latest results for Sumedha Fiscal Services Ltd are concerning. In Q4 FY26, the company experienced a significant deterioration in its financial performance, reporting a net loss of ₹2.30 crores, which represents a staggering decline of 951.85% year-on-year. This marks a sharp contrast to the modest profit of ₹0.24 crores in the previous quarter.<BR><BR>While revenue grew by 71.62% year-on-year to ₹28.73 crores, the company faced severe operational challenges, leading to negative operating margins of -9.43%. This is a drastic decline from the positive operating margin of 2.99% recorded in Q4 FY25. The operating loss before depreciation, interest, and tax reached ₹2.71 crores, indicating significant issues with cost management.<BR><BR>Overall, the results highlight a troubling disconnect between revenue growth and profitability, raising concerns about the company's operational viability and ability to control costs. Given these factors, the latest results can be classified as bad, reflecting serious challenges that need to be addressed for any potential recovery.

Why is Sumedha Fiscal Services Ltd falling/rising?

As of 02-Jun, the stock price of Sumedha Fiscal Services Ltd has risen slightly by 0.05%, but it has experienced significant declines over the year, including a 13.62% year-to-date drop. Despite outperforming its sector today, falling investor participation and mixed performance relative to moving averages indicate ongoing challenges.

As of 02-Jun, the stock price of Sumedha Fiscal Services Ltd is rising slightly, with a change of 0.02, representing an increase of 0.05%. Despite this minor uptick, the stock has shown a negative performance over various periods, including a year-to-date decline of 13.62% and a one-year drop of 35.11%. <BR><BR>Today, the stock outperformed its sector by 1.6%, which may contribute to the positive movement in its price. However, it is important to note that the stock is currently experiencing falling investor participation, as evidenced by a delivery volume of 3.68k on June 1, which has decreased by 29.71% compared to the five-day average. <BR><BR>Additionally, while the stock is trading higher than its 50-day and 100-day moving averages, it remains lower than the 5-day, 20-day, and 200-day moving averages, indicating mixed performance in the short to medium term. Overall, while there is a slight rise in the stock price today, the broader trend shows significant declines over longer periods, suggesting underlying challenges for Sumedha Fiscal Services Ltd.

Which are the latest news on Sumedha Fiscal?