Sainik Finance Peer Comparison

BSE: 530265

₹38.79

₹-3.62 (-8.54%)

As on 01-Oct-2026IST

Market cap

₹42 Cr

Revenue (TTM)

₹18 Cr

P/E Ratio

10.2

P/B Ratio

0.9

Div. Yield

0 %

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	Sainik Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Market cap (₹ Cr)	42	31,129	28,950	24,006	19,887
Revenue (₹ Cr)	18	404	10,285	5,303	6,380
Net Profit (₹ Cr)	4.14	305.93	1,445.41	1,127.63	1,210.84
Net Margin (%)	23.34	74.72	14.02	21.20	18.97
RoE (%)	8.80	1.41	10.08	16.25	16.14
Price to Earnings	10.19	72.24	19.97	21.29	16.42
Price-To-Book	0.86	1.06	1.80	3.19	2.40

Income Statement (₹ Cr)

	Sainik Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Operating Income	17.68	403.54	10,284.59	5,303.14	6,379.52
Other Income	0.07	5.87	25.57	15.03	3.80
Total Income	16.98	306.22	10,031.14	3,250.99	5,756.14
Interest Expense	10.92	0.57	4,204.29	1,922.34	1,966.96
PBT & Exceptional Items	4.73	366.10	2,260.68	1,611.04	1,676.19
Operating Expenses	2.10	42.74	3,845.19	1,784.80	2,740.17
Exceptional Income/Expenses	0.00	0.00	0.00	0.00	0.00
Profit before Tax	4.73	362.26	1,950.48	1,497.38	1,612.11
Taxes	0.59	56.33	505.07	369.75	401.27
Profit after Tax	4.14	305.93	1,445.41	1,127.63	1,210.84
Minority Interest	0.00	0.00	4.05	0.00	0.00
Share of Associate	0.00	124.96	0.00	0.00	0.00
Consolidated Profit	4.14	430.89	1,449.46	1,127.63	1,210.84

	Sainik Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Shareholder's Funds	48.28	29,221.16	16,050.74	7,203.48	7,842.25
Minority Interest	0.00	0.00	4.05	0.00	0.00
Non-Current Liabilities	2.04	3,407.06	141.91	115.58	137.71
Current Liabilities	110.68	23.91	58,360.20	25,356.94	23,950.27
Total Liabilities	142.64	35,100.39	54,550.48	21,485.87	29,334.64

	Sainik Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Non-Current Assets	1.48	169.20	1,233.12	446.49	827.99
Current Assets	158.02	32,466.17	72,616.64	32,037.45	30,982.28
Total Assets	142.64	35,100.39	54,550.48	21,485.87	29,334.64
Contingent Liabilities	0.10	--	196.39	7.21	4.00

	Sainik Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Cash From Operating Activities	16.82	206.21	-466.57	-4,312.62	1,125.24
Cash Flow from Investing Activities	--	-165.99	-124.80	61.87	708.34
Cash from Financing Activities	-14.26	-142.63	1,132.34	5,117.65	-1,669.38
Net Cash Inflow / Outflow	2.56	-102.41	540.97	866.90	164.20

	Sainik Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
ROCE (%)	11.76	1.21	11.25	11.18	9.55
ROE (%)	8.80	1.41	10.08	16.25	16.14
ROA (%)	2.73	0.91	2.34	4.21	4.05
EBIT Margin (%)	88.12	88.46	59.60	64.20	56.04
Net Margin (%)	23.34	74.72	14.02	21.20	18.97
Cash Profit Margin (%)	37.05	0.00	0.00	0.00	0.00

	Sainik Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Revenue Growth (%)	6.12	30.99	4.76	50.20	11.86
EBIT Growth (%)	0.32	33.57	33.65	58.09	64.71
Net Profit Growth (%)	-34.18	42.45	85.35	95.19	524.34
EPS Growth (%)	-34.18	-86.84	68.98	74.92	521.96
Book Value Growth (%)	18.09	3.76	7.66	12.13	5.63

	Sainik Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Price / Earnings	10.19	72.24	19.30	21.29	16.39
Price / Book Value	0.86	1.06	1.80	3.19	2.40
Dividend Yield (%)	0.00	0.55	0.65	0.08	0.00
EV/EBITDA	7.65	83.76	12.31	12.74	11.32
Market Cap (₹ Cr)	45.89	31,951.18	19,684.03	14,056.08	15,214.34

	Sainik Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Debt to Equity	0.00	0.00	2.85	0.00	0.00
Short term debt to equity ratio	1.92	--	2.89	0.98	1.50
Current Ratio	1.43	1,357.85	1.24	1.26	1.29
Quick Ratio	1.43	1,357.85	1.24	1.26	1.29
Interest Coverage	1.43	636.54	1.46	1.78	1.82

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.