Sarvottam Finvest Limited

Financial Services — Credit Services · BSE

₹16.53−₹0.91 (−5.22%)

DalalBaazaar Score

46 / 100

🟡 Moderate

Verdict

CAUTION

Risk

High

Driven by the company is currently loss-making, micro-cap size, which brings thin liquidity, falling profits.

In simple words: The company is currently losing money, though profits are falling even as sales grow. The direction of profits is the main factor to watch.

Decision support, not a buy or sell call.

As of 18 Oct 2026, 7:46 pm

Understanding the Business

Company site ↗

The 60-second version of Sarvottam Finvest Limited — what it does, how it earns, and who it competes with, before any of the numbers below.

What does this company do?

Sarvottam Finvest Limited operates as a non-banking financial company in India. It provides financing, loans and advances, and inter-corporate deposits, as well as investing and trading of shares and securities.

IndustryCredit Services

SectorFinancial Services

Employees7

Annual revenue₹1 Cr

How does it make money?

Turns over ₹1 Cr a year. Of every ₹100 of sales, about ₹-14 reaches shareholders as profit, with ₹33 left at the operating level before interest, tax and depreciation. Each of its 7 employees supports ₹19.6 lakh of revenue a year, the signature of a people-led business.

Revenue / employee₹19.6 lakh

Who are its competitors?

The closest listed comparisons in its industry are BAJAJ FINANCE LIMITED, STATE BANK OF INDIA, HDFC BANK LTD, ICICI BANK LTD.. These are the companies its valuation and returns are measured against elsewhere in this report.

Compared side by side in Peers ↓

What is its competitive advantage?Not assessable from these ratios

For a lender, returns on capital are shaped by leverage and funding cost rather than by pricing power, so the usual financial signature of an advantage does not apply. Judge this one on deposit franchise, cost of funds and asset quality — none of which are in this data.

Peer median ROE16.5%

What has been driving growth?

Profit has moved mainly because margins changed, not because the business sold much more. Over 3 years revenue moved -11% while net margin moved -82% relative to itself. What this cannot tell you is which products, customers or geographies did the work — that lives in the segment disclosures of the annual report.

Revenue effect-11%

Margin effect-82%

DalalBaazaar Score

46/ 100

Moderate

Weighted across six categories. Every point is explained below.

✗ Revenue has contracted at 3.7% a year
✗ Profit fell 66.7% in the latest year

Quality vs. Valuation

Company Quality

47/ 100

Average

How good the business is, ignoring the share price entirely.

Valuation

30/ 100

Expensive

What you are being asked to pay, ignoring how good the business is.

A reasonable business at a reasonable price — neither the quality nor the valuation stands out in either direction.

vs. its own history

Not enough price and earnings history

vs. sector peers

Not enough peers with a usable P/E

vs. generic bands

N/A

No P/E — the company is lossmaking

EV/EBITDA

27.1x

PEG

—

What's Good / What's Bad

🟢 What's Going Well3

Margins are improving
EBITDA margin is up from 28.0% to 32.9% over 3 years.
Return on equity is rising
ROE has improved from -4.8% to -0.8%.
Return on capital is rising
ROCE has improved from -1.7% to 0.5%.

🔴 What Needs Attention1

Inventory building faster than sales
Inventory is up 167% against revenue growth of -11% — stock may not be moving.

Red Flags

1 item require attention · 1 high

🔴The company is lossmakingFinancial
Net profit of -₹0 Cr in the latest reported year.

Investment Thesis

🟢 Bull CaseWhat could make this work?

Margin expansion has further to run
EBITDA margin has risen from 28.0% to 32.9%. If that holds, profit compounds faster than sales and today's multiple looks cheaper in hindsight than it does now.

🔴 Bear CaseWhat could go wrong?

Earnings are hard to forecast
Profit has swung sharply from year to year, so any single year — good or bad — is a weak guide to the next. Cyclical earnings deserve lower multiples for that reason.
Size brings its own risk
Micro Cap businesses are thinly traded, so exits are harder in a falling market and single events move the price more than they would for a larger company.

🟡 Key Things to WatchMeasurable tripwires, set against where this company stands today

1EBITDA margin holds above 31%✓ 32.9%
Two points below today's level — enough room for noise, tight enough to catch real compression.
2Return on equity stays above 8%✗ -0.8%
For a lender this is the cleanest single read on whether the book is being grown profitably.

Investment Checklist

5 / 10 checks passed

✗ Strong return on equity (ROE ≥ 15%)
✗ Strong return on capital employed (ROCE ≥ 15%)
✗ Healthy net margin (≥ 10%)
✓ Generates positive free cash flow
✓ Adequate short-term liquidity (Current Ratio ≥ 1.0)
✓ Revenue growing year-over-year
✗ Profit growing year-over-year
✓ Not trading at an extreme valuation (P/E < 40x)
✓ Not buying right at the 52-week high
✗ Short-term technical trend isn't bearish

Price history

Quick Metrics

3 good · 3 neutral · 5 weak

Market Cap

₹12 Cr

Micro Cap

Smaller company — thin liquidity and deep drawdowns are normal here

P/E (Trailing)

Not meaningful

Loss-making

Earnings are negative, so a P/E multiple can't be read here

P/B Ratio

0.51x

Reasonable

Reasonable against the company's book value

EPS (TTM)

₹-0.27

Loss-making

Negative earnings per share — the business is losing money

ROE

-0.8%

Weak

Weak capital efficiency

ROCE

0.5%

Weak

Low return on total capital employed

Debt/Equity

Not available

No data

Source didn't return this field

Revenue Growth (YoY)

65.3%

Healthy

Healthy top-line growth

Profit Growth (YoY)

-66.7%

Falling

Profits are shrinking

Dividend Yield

None

No dividend yield reported — usually means no payout, but verify if one was recently initiated

Free Cash Flow

₹0 Cr

Cash generative

Generates cash even after funding its capex

More Metrics

Operating Margin

17.9%

Good

Healthy core-business profitability

Net Margin

-17.9%

Weak

Very little revenue reaches the bottom line

Current Ratio

367.64

Comfortable

Healthy short-term liquidity

Beta (vs Nifty)

0.49

Defensive

Steadier than the market

52W Range Position

12%

Near low

Near its 52-week low

Technical Snapshot

SMA 20 / SMA 50

17.5 / 18.0

Bearish alignment (short < long)

Price vs SMA 200

Below

Long-term downtrend

RSI (14)

33.1

Neutral momentum

Financial Trend (4-Year)

Metric	FY23	FY24	FY25	FY26	3Y CAGR
Revenue	₹2 Cr	₹2 Cr	₹2 Cr	₹1 Cr	-3.7%
EBITDA	₹0 Cr	₹1 Cr	-₹0 Cr	₹0 Cr	+1.5%
EBITDA Margin	28.0%	75.8%	-10.5%	32.9%	—
PAT (Net Profit)	-₹1 Cr	₹0 Cr	-₹1 Cr	-₹0 Cr	—
EPS	₹-1.58	₹0.63	₹-0.79	₹-0.25	—
ROE	-4.8%	1.9%	-2.4%	-0.8%	—
ROCE	-1.7%	3.5%	-1.5%	0.5%	—
Free Cash Flow	₹0 Cr	₹1 Cr	-₹1 Cr	₹0 Cr	+66.1%

🔴 Revenue has shrunk at 3.7% a year over 3 years.

🟡 EBITDA has been broadly flat over 3 years (1.5% a year).

🟢 EBITDA Margin has risen from 28.0% to 32.9% over 3 years (+4.8 pts).

🟢 ROE has risen from -4.8% to -0.8% over 3 years (+4.0 pts).

🟢 ROCE has risen from -1.7% to 0.5% over 3 years (+2.2 pts).

🟢 Free Cash Flow has grown at 66.1% a year over 3 years.

Balance Sheet & Cash Flow — FY2026

Total Assets

₹25 Cr

Total Liabilities

₹0 Cr

Total Debt

—

Cash & Equivalents

₹0 Cr

Operating Cash Flow

₹0 Cr

Capex

—

Shareholding (proxy)

Institutional Holding

0.0%

Insider Holding

38.3%

Peer Comparison

Company	P/E	ROE
BAJAJ FINANCE LIMITED	30.2x	17.8%
STATE BANK OF INDIA	10.3x	15.2%
HDFC BANK LTD	15.9x	13.8%
ICICI BANK LTD.	18.1x	16.5%

Recent News

2 positive2 mixed2 general

SHAH INVESTOR'S HOME LTD. Stock/Share price , NSE/BSE Forecast News and Live Quotes

Equitymaster, 18 Oct

Sarvottam Finvest sets Sept 29 AGM; Gupta seeks MD re-appointment

scanx.trade, 03 Sept

Patel KNR Heavy Infrastructures standalone net profit rises 767.42% in the June 2026 quarter

Business Standard, 10 AugResults

🟢Potentially positiveReported improvement. Check whether it came from volume, price or a one-off item before treating it as a trend.

Jaro Institute of Technol. Mgt. and Research standalone net profit rises 48.34% in the June 2026 quarter

Business Standard, 10 AugResults

🟢Potentially positiveReported improvement. Check whether it came from volume, price or a one-off item before treating it as a trend.

Q3 results 2026: LIC, Tata Motors PV, SBI & Adani Entp among 680 companies set to post Dec quarterly earnings this week

Livemint, 01 FebResults

🟡Mixed / dependsA results event. The figures on this page update once the new statements reach the data feed, which usually lags the announcement.

Q1 results: ABFRL, Delhivery, PNC Infratech, Affle 3i, and 79 more on Aug 8

Business Standard, 08 AugResults

🟡Mixed / dependsA results event. The figures on this page update once the new statements reach the data feed, which usually lags the announcement.

Watch Items

This is a financial-sector business: borrowing is its raw material, not leverage in the usual sense. Debt/Equity and ROCE here aren't comparable to a manufacturer's — read them alongside NIM, GNPA and capital adequacy from the company's own disclosures.
Cross-check against the company's latest quarterly filing / investor presentation before acting.
1 metric couldn't be retrieved for this stock — this is more common for smaller or thinly-covered listings.

DalalBaazaar Thesis

StrongFinancial Health

MiddlingBusiness Quality · Valuation

WeakGrowth · Profitability · Risk

Points for each in the Score ↑

Unremarkable in both directions

A reasonable business at a reasonable price. Nothing here is alarming and nothing is compelling, which usually means the decision rests on things this data cannot see — the industry's direction, management's intent, and what else is available to you. 1 high-severity red flag sits above this conclusion and should be read first.

1 of 2 tripwires tripped — Return on equity stays above 8% · see Key things to watch ↑