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Sangam Finserv Ltd

NSE: BSE: 538714

40.50

(1.40%)

Wed, 18 Mar 2026, 04:30 am

Sangam Finserv Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as Suchitra Finance & Trading has not reported any payouts.
    • Unable to evaluate Suchitra Finance & Trading's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Suchitra Finance & Trading's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Suchitra Finance & Trading is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • Suchitra Finance & Trading is profitable, therefore cash runway is not a concern.
    • Suchitra Finance & Trading is profitable, therefore cash runway is not a concern.
    • Debt is covered by short term assets, assets are 1.8x debt.
    • Suchitra Finance & Trading's cash and other short term assets cover its long term commitments.
    • Low level of unsold assets.
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    Cons

    • Operating cash flow is negative therefore debt is not well covered.
    • The level of debt compared to net worth has increased over the past 5 years (0.1% vs 256.3% today).
    • Suchitra Finance & Trading's level of debt (256.3%) compared to net worth is high (greater than 40%).

    management

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    Pros

    • The tenure for the Suchitra Finance & Trading board of directors is about average.
    • Anjana's remuneration is lower than average for companies of similar size in India.
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    Cons

      misc

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      Pros

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        Cons

        • Suchitra Finance & Trading is not covered by any analysts.
        • BSE:538714 has not traded for 6 days.

        past

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        Pros

        • Suchitra Finance & Trading has delivered over 20% year on year earnings growth in the past 5 years.
        • Suchitra Finance & Trading used its assets more efficiently than the IN Diversified Financial industry average last year based on Return on Assets.
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        Cons

        • Suchitra Finance & Trading has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
        • Whilst Suchitra Finance & Trading has efficiently used shareholders’ funds last year (Return on Equity greater than 20%), this is metric is skewed due to its high level of debt.
        • Suchitra Finance & Trading has become profitable in the last year making it difficult to compare the IN Diversified Financial industry average.

        value

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        Pros

        • Suchitra Finance & Trading is good value based on earnings compared to the IN Diversified Financial industry average.
        • Suchitra Finance & Trading is good value based on earnings compared to the India market.
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        Cons

        • Suchitra Finance & Trading's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
        • Suchitra Finance & Trading's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
        • Suchitra Finance & Trading is overvalued based on assets compared to the IN Diversified Financial industry average.
        • BSE:538714 is down -10.2% underperforming the Diversified Financial industry which returned 10.8% over the past month.
        • BSE:538714 is down -10.2% underperforming the market in India which returned 8% over the past month.

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        Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800