ZSARACOM - Saraswati Commercial (India) Ltd. Share Price

Finance

₹12952.00-145.25(-1.11%)

Market Closed as of Aug 6, 2025, 15:30 IST

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Valuation
Market Cap	1.44 kCr
Price/Earnings (Trailing)	108.05
Price/Sales (Trailing)	26.78
EV/EBITDA	62.1
Price/Free Cashflow	164.91
MarketCap/EBT	69.14
Enterprise Value	1.42 kCr

Fundamentals
Revenue (TTM)	53.74 Cr
Rev. Growth (Yr)	-99%
Earnings (TTM)	12.47 Cr
Earnings Growth (Yr)	-202.6%

Profitability
Operating Margin	39%
EBT Margin	39%
Return on Equity	1.28%
Return on Assets	1.12%
Free Cashflow Yield	0.61%

Price to Sales Ratio

Latest reported: 27

Revenue (Last 12 mths)

Latest reported: 54 Cr

Net Income (Last 12 mths)

Latest reported: 12 Cr

Growth & Returns
Price Change 1W	1%
Price Change 1M	-8.5%
Price Change 6M	-21.2%
Price Change 1Y	45%
3Y Cumulative Return	70.9%
5Y Cumulative Return	87.7%
7Y Cumulative Return	151.6%
10Y Cumulative Return	109%

Cash Flow & Liquidity
Cash Flow from Investing (TTM)	-108.17 Cr
Cash Flow from Operations (TTM)	8.74 Cr
Cash Flow from Financing (TTM)	119.63 Cr
Cash & Equivalents	22.82 Cr
Free Cash Flow (TTM)	8.72 Cr
Free Cash Flow/Share (TTM)	79.61

Balance Sheet
Total Assets	1.11 kCr
Total Liabilities	135.82 Cr
Shareholder Equity	972.81 Cr
Net PPE	4.59 L
Inventory	0.00
Goodwill	0.00

Capital Structure & Leverage
Debt Ratio	0.00
Debt/Equity	0.00
Interest Coverage	9.51
Interest/Cashflow Ops	5.42

Dividend & Shareholder Returns
Shares Dilution (1Y)	6.4%
Shares Dilution (3Y)	6.4%

Pros

Profitability: Very strong Profitability. One year profit margin are 23%.

Smart Money: Smart money has been increasing their position in the stock.

Balance Sheet: Strong Balance Sheet.

Past Returns: Outperforming stock! In past three years, the stock has provided 70.9% return compared to 12.3% by NIFTY 50.

Cons

Dividend: Stock hasn't been paying any dividend.

Growth: Declining Revenues! Trailing 12m revenue has fallen by -58.1% in past one year. In past three years, revenues have changed by -38.2%.

Momentum: Stock has a weak negative price momentum.

Technicals: SharesGuru indicator is Bearish.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Investor Care
Shares Dilution (1Y)	6.4%
Earnings/Share (TTM)	121.51

Financial Health
Debt/Equity	0.00

Technical Indicators
RSI (14d)	33.06
RSI (5d)	70.91
RSI (21d)	42.92
MACD Signal	Sell
Stochastic Oscillator Signal	Hold
Grufity Signal	Sell
RSI Signal	Hold
RSI5 Signal	Sell
RSI21 Signal	Hold
SMA 5 Signal	Buy
SMA 10 Signal	Sell
SMA 20 Signal	Sell
SMA 50 Signal	Sell
SMA 100 Signal	Sell

Summary of Latest Earnings Report from Saraswati Commercial (India)

Summary of Saraswati Commercial (India)'s latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Earnings Outlook

Last updated:

Q&A Session

Last updated:

Share Holdings

Understand Saraswati Commercial (India) ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

Shareholder Name	Holding %
Winro Commercial (India) Ltd	22.77%
Four Dimensions Securities (India) Ltd	18.78%
Ageless Capital And Finance Private Limited	5.83%
Ashwin Kumar Kothari	5.57%
Ashwin Kumar Kothari (Smaller)Huf	5.42%
Ashwin Kumar Kothari (Huf)	5.41%
Panna Lal C Kothari Huf	4.65%
Rohit Kothari	3.85%
Four Dimensions Advisors Private Limited	2.92%
Minix Holdings Pvt Ltd	2.27%
Niyati Parish Mehta	2.01%
Luv Kush Projects Ltd.	1.82%
Meena A Kothari	1.77%
Mitsu Energy Private Limited	1.5%
Panchmukhi Properties Ltd.	1.09%
Sam-Jag-Deep Investments Private Limited	0.13%
Harisingh Shyamsukha	0%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is Saraswati Commercial (India) Better than it's peers?

Detailed comparison of Saraswati Commercial (India) against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
		-	-	-	-	-	-	-	-

Sector Comparison: ZSARACOM vs Finance

Comprehensive comparison against sector averages

Comparative Metrics

ZSARACOM metrics compared to Finance

Category	ZSARACOM	Finance
PE	108.05	25.39
PS	26.78	5.09
Growth	-58.1 %	10.1 %

Performance Comparison

ZSARACOM vs Finance (2021 - 2025)

Key Insights

1. ZSARACOM is NOT among the Top 10 largest companies in Non Banking Financial Company(NBFC).
2. The company holds a market share of 0% in Non Banking Financial Company(NBFC).
3. In last one year, the company has had a below average growth that other Non Banking Financial Company(NBFC) companies.

Income Statement for Saraswati Commercial (India)

Consolidated figures (in Rs. Crores) / View Standalone Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Total income	-41.7%	75	128	24	87	28	1.36
Revenue From Operations	-41.7%	75	128	24	87	28	1.25
Total interest earned	-49.7%	2.53	4.04	0.62	0.96	0.96	0.08
Dividend income	47.6%	2.52	2.03	4.5	1.64	0.2	1.05
Fees and commission income	-	0.02	0	0.04	0.11	0	0
Other revenue from operations	-	0.01	-	0	0	0.01	0.12
Other income	-	0	0	0.01	0.02	0.04	0.12
Total Expenses	45.2%	6.62	4.87	4.93	3.19	3.14	14
Employee Expense	14.3%	2.52	2.33	1.69	1.49	1.25	1.15
Finance costs	-13.2%	1.59	1.68	1.76	0.91	1.51	0.29
Depreciation and Amortization	0%	0.01	0.01	0.01	0.01	0.01	0
Fees and commission expenses	-	0	0	0	0	0	0.01
Impairment on financial instruments	-1%	0	0.01	0	0	0	0
Other expenses	1100%	2.5	0.85	1.47	0.79	0.36	0.38
Profit Before exceptional items and Tax	-44.3%	69	123	19	84	25	-13.06
Total profit before tax	-44.3%	69	123	19	84	25	-13.06
Current tax	30%	14	11	11	8.72	0	-0.01
Deferred tax	-95.2%	1.34	8.1	-3.45	10	3.57	-3.43
Tax expense	-26.3%	15	20	7.39	19	3.57	-3.44
Total profit (loss) for period	-49.5%	53	104	12	65	21	-9.62
Other comp. income net of taxes	-11.5%	139	157	-0.16	73	102	-78.6
Total Comprehensive Income	-25.9%	193	260	12	138	124	-88.22
Reserve excluding revaluation reserves	38.8%	966	696	-	426	0	-
Earnings Per Share, Basic	-48.8%	517.51	1,008.85	113.485	631.685	213.074	-96.092
Earnings Per Share, Diluted	-48.8%	517.51	1,008.85	113.485	631.685	213.074	-96.092

Description	(%) Q/Q	Mar-2025	Dec-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Total income	98.5%	0.3	-44.84	68	30	40	29
Revenue From Operations	98.5%	0.3	-44.84	68	30	40	29
Total interest earned	-388.2%	0.17	0.83	0.36	0.8	1.03	1.29
Dividend income	-	0.1	0	0.48	0.07	0.01	1.67
Fees and commission income	-	0.02	0	0	0	0	0
Other revenue from operations	-	0.01	-	-	-	-	-
Other income	-	0	0	0	0	0	0.1
Total Expenses	6566.7%	29	1.42	1.4	1.52	1.17	1.03
Employee Expense	34.1%	0.71	0.56	0.57	0.91	0.71	0.37
Finance costs	27.8%	0.74	0.64	0.06	0.53	0.26	0.42
Impairment on financial instruments	24.8%	0	-0.33	0	-0.1	-0.04	-0.03
Other expenses	15.2%	0.61	0.54	0.76	0.17	0.23	0.26
Profit Before exceptional items and Tax	38%	-28.29	-46.26	67	29	39	28
Total profit before tax	38%	-28.29	-46.26	67	29	39	28
Current tax	-251.5%	-5.01	-0.71	9.14	6.75	1.94	1.77
Deferred tax	81.3%	-0.34	-6.15	5.23	-0.57	3.65	2.07
Tax expense	19.3%	-5.35	-6.87	14	6.18	5.59	3.84
Total profit (loss) for period	40.7%	-22.94	-39.4	52	22	33	24
Other comp. income net of taxes	977.9%	84	8.7	26	126	12	4.32
Total Comprehensive Income	289.3%	61	-30.7	78	148	45	28
Reserve excluding revaluation reserves	-	-	-	-	696	-	-
Earnings Per Share, Basic	41.8%	-222.34	-382.532	509.221	217.161	323.481	231.121
Earnings Per Share, Diluted	41.8%	-222.34	-382.532	509.221	217.161	323.481	231.121

Standalone figures (in Rs. Crores) / View Consolidated Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Total income	-41.7%	75	128	24	87	28	1.36
Revenue From Operations	-41.7%	75	128	24	87	28	1.25
Total interest earned	-49.7%	2.53	4.04	0.62	0.96	0.96	0.08
Dividend income	47.6%	2.52	2.03	4.5	1.64	0.2	1.05
Other revenue from operations	-	0.01	-	0	0	0.01	0.12
Other income	-	0	0	0.01	0.02	0.04	0.12
Total Expenses	45%	6.61	4.87	4.92	3.19	3.12	14
Employee Expense	14.3%	2.52	2.33	1.69	1.49	1.25	1.15
Finance costs	-13.2%	1.59	1.68	1.76	0.91	1.51	0.29
Depreciation and Amortization	0%	0.01	0.01	0.01	0.01	0.01	0.01
Impairment on financial instruments	-1%	0	0.01	0	0	0	0
Other expenses	1031.2%	2.49	0.84	1.46	0.78	0.35	0.38
Profit Before exceptional items and Tax	-44.3%	69	123	19	84	25	-13.05
Total profit before tax	-44.3%	69	123	19	84	25	-13.05
Current tax	30%	14	11	11	8.72	0	-0.01
Deferred tax	-95.2%	1.34	8.1	-3.44	10	3.57	-3.43
Tax expense	-26.3%	15	20	7.4	19	3.57	-3.44
Total profit (loss) for period	-49.5%	53	104	12	65	21	-9.61
Other comp. income net of taxes	-10.5%	137	153	-0.38	71	99	-77.56
Total Comprehensive Income	-25.8%	191	257	11	136	120	-87.17
Reserve excluding revaluation reserves	-	958	-	-	421	0	-
Earnings Per Share, Basic	-48.8%	517.41	1,008.87	113.25	631.252	213.16	-95.998
Earnings Per Share, Diluted	-48.8%	517.41	1,008.87	113.25	631.252	213.16	-95.998

Description	(%) Q/Q	Mar-2025	Dec-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Total income	98.4%	0.28	-44.85	68	30	40	29
Revenue From Operations	98.4%	0.28	-44.85	68	30	40	29
Total interest earned	-388.2%	0.17	0.83	0.36	0.8	1.03	1.29
Dividend income	-	0.1	0	0.48	0.07	0.01	1.67
Other revenue from operations	-	0.01	-	-	-	-	-
Other income	-	0	0	0	0	0	0.1
Total Expenses	6566.7%	29	1.42	1.39	1.52	1.17	1.02
Employee Expense	34.1%	0.71	0.56	0.57	0.91	0.71	0.37
Finance costs	27.8%	0.74	0.64	0.06	0.53	0.26	0.42
Impairment on financial instruments	24.8%	0	-0.33	0	-0.1	-0.04	-0.03
Other expenses	13%	0.6	0.54	0.76	0.17	0.23	0.25
Profit Before exceptional items and Tax	38%	-28.31	-46.26	67	29	39	28
Total profit before tax	38%	-28.31	-46.26	67	29	39	28
Current tax	-251.5%	-5.01	-0.71	9.14	6.75	1.94	1.77
Deferred tax	81.3%	-0.34	-6.15	5.23	-0.57	3.65	2.07
Tax expense	19.3%	-5.35	-6.87	14	6.18	5.59	3.84
Total profit (loss) for period	40.7%	-22.96	-39.4	52	22	33	24
Other comp. income net of taxes	939%	81	8.7	26	122	12	4.32
Total Comprehensive Income	279.8%	58	-30.7	78	144	45	28
Earnings Per Share, Basic	41.7%	-222.46	-382.523	509.226	217.164	323.484	231.129
Earnings Per Share, Diluted	41.7%	-222.46	-382.523	509.226	217.164	323.484	231.129

Balance Sheet for Saraswati Commercial (India)

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Cash and cash equivalents	1266.5%	23	2.61	37	0.14	0.07	1.84
Trade receivables	-	-	1.42	-	0	0	0.91
Loans	-166.7%	0.34	1.99	34	0.14	0.58	0.75
Investments	42.3%	1,084	762	511	489	495	474
Other financial assets	-1.1%	0.1	0.11	1.5	0.17	0.4	9.81
Total finanical assets	-	1,107	-	-	-	-	-
Current tax assets (Net)	30.3%	0.38	0.11	0	0	0.01	0.01
Property, plant and equipment	1%	0.05	0.04	0.03	0.04	0.04	0.05
Total non-financial assets	-	1.46	-	-	-	-	-
Total assets	44.1%	1,109	770	585	490	497	488
Equity share capital	233.3%	1.1	1.03	1.03	1.03	1.03	1.03
Non controlling interest	21.4%	5.25	4.5	3.09	3.09	3	2.99
Total equity	38.7%	973	702	508	441	453	430
Borrowings	4342.4%	43	0.01	41	22	8.73	28
Total financial liabilities	-	44	-	-	-	-	-
Current tax liabilities	-	-	-	1.78	0.14	6.3	0.79
Provisions	5.8%	0.51	0.48	0.17	0.16	0.18	0.16
Total non financial liabilities	-	92	-	-	-	-	-
Total liabilities	98.5%	136	69	77	49	43	58
Total equity and liabilities	44.1%	1,109	770	585	490	497	488

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Cash and cash equivalents	1275%	23	2.6	37	0.13	0.06	1.83
Trade receivables	-	-	1.42	-	0	0	0.91
Loans	-166.7%	0.34	1.99	34	0.14	0.58	0.75
Investments	42.8%	1,069	749	502	480	486	465
Other financial assets	-1.1%	0.1	0.11	1.5	0.17	0.4	9.81
Total finanical assets	-	1,092	-	-	-	-	-
Current tax assets (Net)	30.3%	0.38	0.11	-	0	-	0
Property, plant and equipment	1%	0.05	0.04	0.03	0.04	0.04	0.05
Total non-financial assets	-	1.46	-	-	-	-	-
Total assets	44.3%	1,093	758	576	482	488	480
Equity share capital	233.3%	1.1	1.03	1.03	1.03	1.03	1.03
Total equity	39.2%	960	690	500	433	446	422
Borrowings	-	43	0	41	22	8.69	28
Total financial liabilities	-	44	-	-	-	-	-
Current tax liabilities	-	-	0	1.78	0.14	6.3	0.79
Provisions	5.8%	0.51	0.48	0.17	0.16	0.18	0.16
Total non financial liabilities	-	90	-	-	-	-	-
Total liabilities	101.5%	134	67	76	48	42	58
Total equity and liabilities	44.3%	1,093	758	576	482	488	480

Cash Flow for Saraswati Commercial (India)

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Finance costs	-13.2%	1.59	1.68	1.76	0.91	-	-
Change in inventories	2%	0	-0.02	0.8	-5.69	-	-
Depreciation	0%	0.01	0.01	0.01	0.01	-	-
Impairment loss / reversal	-2%	-0.01	0.01	0	0	-	-
Dividend income	47.6%	2.52	2.03	4.5	1.64	-	-
Adjustments for interest income	-11.1%	0	0.1	0	0.02	-	-
Net Cashflows From Operations	-47.7%	24	45	39	57	-	-
Interest received	-	0	0	-0.01	0	-	-
Income taxes paid (refund)	27.3%	15	12	12	7.07	-	-
Net Cashflows From Operating Activities	-75.8%	8.74	33	27	50	-	-
Purchase of property, plant and equipment	1%	0.02	0.01	1,080	0.02	-	-
Proceeds from sales of investment property	-	0	0	1,054	0	-	-
Dividends received	47.6%	2.52	2.03	4.5	1.63	-	-
Other inflows/outflows of cash	-14.9%	0	0.13	0	0	-	-
Net Cashflows From Investing Activities	-1308.6%	-108.17	-6.75	-21.78	-81.23	-	-
Proceeds from issuing shares	-	79	0	0	11	-	-
Proceeds from borrowings	176.4%	869	315	147	278	-	-
Repayments of borrowings	145.8%	827	337	153	256	-	-
Interest paid	-44.7%	1.42	1.76	0	0.5	-	-
Other inflows (outflows) of cash	-	-0.07	0	-1.38	-0.01	-	-
Net Cashflows From Financing Activities	580.6%	120	-23.76	-6.9	33	-	-
Net change in cash and cash eq.	1192.5%	20	2.47	-1.7	1.82	-	-

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Finance costs	-13.2%	1.59	1.68	1.76	0.91	-	-
Change in inventories	2%	0	-0.02	0.8	-5.69	-	-
Depreciation	0%	0.01	0.01	0.01	0.01	-	-
Impairment loss / reversal	-2%	-0.01	0.01	0	0	-	-
Dividend income	47.6%	2.52	2.03	-4.5	1.64	-	-
Adjustments for interest income	-11.1%	0	0.1	0.01	0.02	-	-
Net Cashflows From Operations	-50%	23	45	48	57	-	-
Income taxes paid (refund)	27.3%	15	12	12	7.07	-	-
Net Cashflows From Operating Activities	-75.8%	8.73	33	36	50	-	-
Purchase of property, plant and equipment	1%	0.02	0.01	0	0.02	-	-
Proceeds from sales of investment property	-	0	0	1,054	0	-	-
Purchase of investment property	-	0	0	1,080	0	-	-
Dividends received	47.6%	2.52	2.03	4.5	1.63	-	-
Other inflows/outflows of cash	-14.9%	0	0.13	0	0	-	-
Net Cashflows From Investing Activities	-1306.8%	-108.17	-6.76	-21.77	-81.14	-	-
Proceeds from issuing shares	-	79	0	0	11	-	-
Proceeds from borrowings	176.4%	869	315	147	278	-	-
Repayments of borrowings	145.8%	827	337	153	256	-	-
Interest paid	-44.7%	1.42	1.76	1.38	0.5	-	-
Other inflows (outflows) of cash	-	-0.07	0	0	-0.01	-	-
Net Cashflows From Financing Activities	580.6%	120	-23.76	-6.88	33	-	-
Net change in cash and cash eq.	1192.5%	20	2.47	7.3	1.82	-	-

ZSARACOM - Saraswati Commercial (India) Ltd. Share Price

Valuation

Fundamentals

Profitability

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Growth & Returns

Cash Flow & Liquidity

Balance Sheet

Capital Structure & Leverage

Dividend & Shareholder Returns

Investor Care

Financial Health

Technical Indicators

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution