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Shalibhadra Finance Ltd

NSE: BSE: 511754

93.20

(-0.33%)

Thu, 12 Mar 2026, 09:57 pm

Shalibhadra Finance Analysis

dividend

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Pros

  • Dividends per share have increased over the past 10 years.
  • Dividends paid are thoroughly covered by earnings (10.7x coverage).
  • Dividends per share have been stable in the past 10 years.
  • Shalibhadra Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
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Cons

  • Shalibhadra Finance's dividend is below the markets top 25% of dividend payers in India (3.08%).

health

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Pros

  • Shalibhadra Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Shalibhadra Finance is profitable, therefore cash runway is not a concern.
  • Shalibhadra Finance is profitable, therefore cash runway is not a concern.
  • Debt is covered by short term assets, assets are 1.1x debt.
  • Shalibhadra Finance's cash and other short term assets cover its long term commitments.
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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 (138.8% vs 180.9% today).
  • Shalibhadra Finance's level of debt (180.9%) compared to net worth is high (greater than 40%).
  • High level of physical assets or inventory.

management

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Pros

  • The tenure for the Shalibhadra Finance board of directors is about average.
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Cons

    misc

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    Pros

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      Cons

      • Shalibhadra Finance is not covered by any analysts.
      • Shalibhadra Finance has significant price volatility in the past 3 months.

      past

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      Pros

      • Shalibhadra Finance's year on year earnings growth rate has been positive over the past 5 years.
      • Shalibhadra Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
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      Cons

      • Shalibhadra Finance's 1-year earnings growth is negative, it can't be compared to the 5-year average.
      • Shalibhadra Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
      • Shalibhadra Finance's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.

      value

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      Pros

      • Shalibhadra Finance's share price is below the future cash flow value, and at a moderate discount (> 20%).
      • Shalibhadra Finance is good value based on assets compared to the IN Consumer Finance industry average.
      • Shalibhadra Finance is good value based on earnings compared to the IN Consumer Finance industry average.
      • Shalibhadra Finance is good value based on earnings compared to the India market.
      • BSE:511754 is up 13.4% outperforming the Consumer Finance industry which returned 10.3% over the past month.
      • BSE:511754 is up 13.4% outperforming the market in India which returned 8% over the past month.
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      Cons

      • Shalibhadra Finance's share price is below the future cash flow value, but not at a substantial discount (< 40%).
      • 511754 underperformed the Consumer Finance industry which returned -28.8% over the past year.
      • 511754 underperformed the Market in India which returned -14.5% over the past year.

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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