S I Capital & Financial Services Ltd

SICAPIT

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Market Cap

₹ 16 Cr

P/E

21.57

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Investment Checklist

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Performance

MARKET LEADER

Valuation

REASONABLE

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Neutral

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

SI Capital & Financial Services Limited is a Non-Banking Financial Company (NBFC) and Full Fledged Money Changer incorporated in 1994, based in Chennai.

The company offers diverse lending solutions including personal finance, gold loans, and SME financing, serving retail to ultra HNI clients with customized financial products.

Operating out of four branches in Kerala, the company caters to a wide customer base with additional financial services through Sharewealth Securities Ltd, its parent company.

Sharewealth Securities Ltd, headquartered in Thrissur, offers online broking services, public issue management, and is a depository participant with the National and Bombay Stock Exchanges.

SI Capital's association with financial professionals and its parent company's established market position allow it to leverage broad-scale expertise in delivering financial solutions.

Sector

Finance

Industry

NBFC-Others

Market Cap

16 Cr

Volatility

Low Risk

P/E Ratio

21.6

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

2.7

52W High

51.37

52W Low

25.29

Sales CAGR

90.11%

63.12%

49.82%

10Y

48.79%

Profit CAGR

-620.00%

—

10Y

—

ROE

TTM

12.58%

-5.57%

-7.06%

10Y

-4.21%

ROCE

TTM

12.25%

2.59%

0.93%

10Y

0.89%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
UNITDCR	31.79	16 Cr	20.36	0.54	0.00	2.63	3.36	2.56
GOLECHA	28.69	16 Cr	—	1.84	0.00	-10.35	-12.01	-10.17
SICAPIT	33.00	16 Cr	21.57	2.71	0.00	12.58	12.25	5.87
SARVOTTAM	20.80	16 Cr	—	0.63	0.00	-0.46	-0.42	-0.43
GARBIFIN	13.22	16 Cr	9.38	0.20	0.00	2.09	0.04	1.96
MONGIPA	16.81	15 Cr	11.61	0.63	0.00	5.45	7.79	4.11
SRGSFL	28.50	15 Cr	43.85	1.04	0.00	2.15	2.83	2.07

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	0.33	0.40	0.48	0.51	0.54	0.60	0.64	0.78	0.85	0.91
Expenses	0.45	0.40	0.53	0.55	0.63	0.37	0.30	0.32	0.46	0.61
Interest	0.08	0.10	0.14	0.17	0.19	0.19	0.18	0.19	0.19	0.19
Financing Profit	-0.20	-0.10	-0.19	-0.21	-0.28	0.04	0.16	0.27	0.20	0.11
Financing Margin %	-60.61	-25.00	-39.58	-41.18	-51.85	6.67	25.00	34.62	23.53	12.09
Other Income	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.01	0.00	0.01
Depreciation	0.01	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01
Profit Before Tax	-0.19	-0.11	-0.19	-0.22	-0.29	0.05	0.16	0.26	0.20	0.11
Tax %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	-0.19	-0.11	-0.19	-0.22	-0.29	0.05	0.16	0.26	0.20	0.11
EPS in Rs	-0.38	-0.21	-0.38	-0.46	-0.59	0.09	0.31	0.54	0.38	0.22
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	0.10	0.09	0.33	0.34	0.36	0.59	0.91	1.73	2.56	2.87
Expenses	0.30	0.62	0.39	0.38	0.69	0.59	1.07	1.92	1.64	1.45
Interest	0.00	0.00	0.00	0.00	0.03	0.10	0.12	0.50	0.74	0.75
Financing Profit	-0.21	-0.54	-0.07	-0.05	-0.36	-0.09	-0.28	-0.68	0.18	0.67
Financing Margin %	-208.70	-633.99	-20.81	-14.46	-102.39	-15.93	-30.87	-39.54	6.90	23.34
Other Income	0.08	0.06	0.01	0.00	0.00	0.00	0.21	0.04	0.06	NaN
Depreciation	0.03	0.02	0.02	0.01	0.04	0.03	0.03	0.07	0.06	0.07
Profit Before Tax	-0.10	0.74	-0.07	-0.05	-0.40	-0.13	-0.10	-0.72	0.17	0.67
Tax %	-8,542.06	502.83	-36,200.00	-782.61	26,760.00	—	—	—	—	0.00
Net Profit	-0.10	0.59	-0.07	-0.06	-0.40	-0.13	-0.10	-0.72	0.17	0.67
EPS in Rs	-0.20	1.18	-0.15	-0.11	-0.80	-0.22	-0.26	-1.43	0.35	1.45
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.40	3.60	4.85
Reserves	-0.75	-0.85	-0.09	-0.19	-0.25	-0.45	-0.53	-0.11	-0.64	0.39
Borrowings	0.00	0.00	0.00	0.00	0.00	0.81	0.97	2.31	6.80	7.29
Other Liabilities	0.06	0.07	0.22	0.08	0.09	0.10	0.10	0.38	0.44	0.61
Total Liabilities	2.31	2.22	3.13	2.89	2.84	3.46	3.54	5.99	10	13
Fixed Assets	0.78	0.80	0.05	0.01	0.04	0.13	0.10	0.15	0.19	0.14
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.65	1.01	0.01	0.33	0.00	0.01	0.01
Other Assets	1.53	1.41	3.08	2.23	1.79	3.32	3.12	5.83	9.99	13
Total Assets	2.31	2.22	3.13	2.89	2.84	3.46	3.54	5.99	10	13

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	0.23	-0.40	-0.60	-0.61	-0.35	-1.94	-0.40	-2.70	-4.59	-1.88
Cash from Investing Activity	-0.12	0.40	0.71	1.73	-0.24	0.91	-0.23	0.24	-0.12	-0.01
Cash from Financing Activity	0.00	0.00	0.00	0.00	0.00	1.01	0.17	2.46	4.87	2.60
Net Cash Flow	0.11	0.01	0.11	1.12	-0.59	-0.02	-0.47	0.01	0.15	0.72

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Oct 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Jul 2025	Sep 2025
Promoters	54.16%	54.16%	51.15%	51.20%	51.21%	40.96%	40.96%	40.96%	41.10%	41.10%	39.47%	39.47%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.27%	0.27%	0.26%	0.26%	0.26%	0.20%	0.20%	0.20%	0.19%	0.19%	0.18%	0.18%
Public	45.57%	45.57%	48.59%	48.54%	48.54%	58.83%	58.83%	58.83%	58.71%	58.71%	60.34%	60.34%
Total Shareholders	1,661	1,660	1,660	1,671	1,706	1,697	1,698	1,689	1,690	1,738	1,739	1,741

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Jul 19, 2025	Jyothish a r	Insider - Designated Person	Acquisition	10.00	0.20 Cr	2,00,000	4.11
Mar 28, 2025	Sharewealth securities limited	Insider - Promoter	Acquisition	10.00	0.15 Cr	1,50,000	3.33
Mar 28, 2025	Jayson anto mekkattukulam	Insider - KMP	Acquisition	10.00	0.20 Cr	2,00,000	4.44
Oct 06, 2023	Anu thomas cherian	Insider - Director	Acquisition	10.00	0.20 Cr	2,00,000	5.88

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

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Documents

Presentations

Concalls

Reports

Presentations

No documents found!

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Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	0.33	0.40	0.48	0.51	0.54	0.60	0.64	0.78	0.85	0.91
Expenses	0.45	0.40	0.53	0.55	0.63	0.37	0.30	0.32	0.46	0.61
Interest	0.08	0.10	0.14	0.17	0.19	0.19	0.18	0.19	0.19	0.19
Financing Profit	-0.20	-0.10	-0.19	-0.21	-0.28	0.04	0.16	0.27	0.20	0.11
Financing Margin %	-60.61	-25.00	-39.58	-41.18	-51.85	6.67	25.00	34.62	23.53	12.09
Other Income	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.01	0.00	0.01
Depreciation	0.01	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01
Profit Before Tax	-0.19	-0.11	-0.19	-0.22	-0.29	0.05	0.16	0.26	0.20	0.11
Tax %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	-0.19	-0.11	-0.19	-0.22	-0.29	0.05	0.16	0.26	0.20	0.11
EPS in Rs	-0.38	-0.21	-0.38	-0.46	-0.59	0.09	0.31	0.54	0.38	0.22
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	0.10	0.09	0.33	0.34	0.36	0.59	0.91	1.73	2.56	2.87
Expenses	0.30	0.62	0.39	0.38	0.69	0.59	1.07	1.92	1.64	1.45
Interest	0.00	0.00	0.00	0.00	0.03	0.10	0.12	0.50	0.74	0.75
Financing Profit	-0.21	-0.54	-0.07	-0.05	-0.36	-0.09	-0.28	-0.68	0.18	0.67
Financing Margin %	-208.70	-633.99	-20.81	-14.46	-102.39	-15.93	-30.87	-39.54	6.90	23.34
Other Income	0.08	0.06	0.01	0.00	0.00	0.00	0.21	0.04	0.06	NaN
Depreciation	0.03	0.02	0.02	0.01	0.04	0.03	0.03	0.07	0.06	0.07
Profit Before Tax	-0.10	0.74	-0.07	-0.05	-0.40	-0.13	-0.10	-0.72	0.17	0.67
Tax %	-8,542.06	502.83	-36,200.00	-782.61	26,760.00	—	—	—	—	0.00
Net Profit	-0.10	0.59	-0.07	-0.06	-0.40	-0.13	-0.10	-0.72	0.17	0.67
EPS in Rs	-0.20	1.18	-0.15	-0.11	-0.80	-0.22	-0.26	-1.43	0.35	1.45
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.40	3.60	4.85
Reserves	-0.75	-0.85	-0.09	-0.19	-0.25	-0.45	-0.53	-0.11	-0.64	0.39
Borrowings	0.00	0.00	0.00	0.00	0.00	0.81	0.97	2.31	6.80	7.29
Other Liabilities	0.06	0.07	0.22	0.08	0.09	0.10	0.10	0.38	0.44	0.61
Total Liabilities	2.31	2.22	3.13	2.89	2.84	3.46	3.54	5.99	10	13
Fixed Assets	0.78	0.80	0.05	0.01	0.04	0.13	0.10	0.15	0.19	0.14
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.65	1.01	0.01	0.33	0.00	0.01	0.01
Other Assets	1.53	1.41	3.08	2.23	1.79	3.32	3.12	5.83	9.99	13
Total Assets	2.31	2.22	3.13	2.89	2.84	3.46	3.54	5.99	10	13

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	0.23	-0.40	-0.60	-0.61	-0.35	-1.94	-0.40	-2.70	-4.59	-1.88
Cash from Investing Activity	-0.12	0.40	0.71	1.73	-0.24	0.91	-0.23	0.24	-0.12	-0.01
Cash from Financing Activity	0.00	0.00	0.00	0.00	0.00	1.01	0.17	2.46	4.87	2.60
Net Cash Flow	0.11	0.01	0.11	1.12	-0.59	-0.02	-0.47	0.01	0.15	0.72

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overview

Detailed Summary

SI Capital & Financial Services Limited is a Non-Banking Financial Company (NBFC) and Full Fledged Money Changer incorporated in 1994, based in Chennai.

The company offers diverse lending solutions including personal finance, gold loans, and SME financing, serving retail to ultra HNI clients with customized financial products.

Operating out of four branches in Kerala, the company caters to a wide customer base with additional financial services through Sharewealth Securities Ltd, its parent company.

Sharewealth Securities Ltd, headquartered in Thrissur, offers online broking services, public issue management, and is a depository participant with the National and Bombay Stock Exchanges.

SI Capital's association with financial professionals and its parent company's established market position allow it to leverage broad-scale expertise in delivering financial solutions.

Sector

Finance

Industry

NBFC-Others

Market Cap

16 Cr

Volatility

Low Risk

P/E Ratio

21.6

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

2.7

52W High

51.37

52W Low

25.29

Sales CAGR

90.11%

63.12%

49.82%

10Y

48.79%

Profit CAGR

-620.00%

—

10Y

—

ROE

TTM

12.58%

-5.57%

-7.06%

10Y

-4.21%

ROCE

TTM

12.25%

2.59%

0.93%

10Y

0.89%

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
UNITDCR	31.79	16 Cr	20.36	0.54	0.00	2.63	3.36	2.56
GOLECHA	28.69	16 Cr	—	1.84	0.00	-10.35	-12.01	-10.17
SICAPIT	33.00	16 Cr	21.57	2.71	0.00	12.58	12.25	5.87
SARVOTTAM	20.80	16 Cr	—	0.63	0.00	-0.46	-0.42	-0.43
GARBIFIN	13.22	16 Cr	9.38	0.20	0.00	2.09	0.04	1.96
MONGIPA	16.81	15 Cr	11.61	0.63	0.00	5.45	7.79	4.11
SRGSFL	28.50	15 Cr	43.85	1.04	0.00	2.15	2.83	2.07