Company Overview
Sonal Mercantile Limited, a non-banking financial company, provides secured and unsecured loans and advances to individuals and body corporates in India. The company offers inter corporate and personal loans, home loans, long term and short-term loans, and loans against guarantee and properties, as well as trade financing, bills discounting, and project appraisal services. It also engages in the trading of shares and securities; and arbitrage business in stock and commodity market, as well as provides financial consultancy and IPO funding services. In addition, the company invests in quoted and unquoted securities. Sonal Mercantile Limited was incorporated in 1985 and is based in New Delhi, India.
Why Investors Should Care
Net profit has compounded at 26.6% per year over the last five years.
Revenue has grown at a 39.4% CAGR over the past five years.
Trades at an undemanding P/E of 5.3.
Maintains a net profit margin of 63.4%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹41.00 Cr (+17.1% YoY); net profit ₹26.00 Cr.
- Trailing 12 Months Year-on-year growth — revenue +17.1%, earnings -18.8%.
- 5-Year Trend Long-term compounding — revenue CAGR 39.4%, profit CAGR 26.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 39.44% |
| 1 Year: | 17.14% |
Compounded Profit Growth
| 5 Years: | 26.56% |
| 1 Year: | -18.75% |
Stock Price Performance
| 1 Year: | -6.81% |
| 6 Months: | - |
| 3 Months: | - |
| 1 Month: | +3.33% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- RSI (14)61.03 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 63.4%.
- Compounding revenue at 39.4% over 5 years.
- Profit CAGR of 26.6% over 5 years.
- Generates positive free cash flow.
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8.97 Cr | 9.64 Cr | 10.05 Cr | 9.36 Cr | 10.26 Cr | 9.43 Cr | 9.07 Cr | 8.23 Cr | 8.56 Cr | 9.34 Cr | 9.79 Cr | 8.26 Cr | 13.37 Cr |
| Operating Expenses | 58.00 L | 9.00 L | 15.00 L | -5.00 L | 14.00 L | 8.00 L | 3.00 L | 22.00 L | 12.00 L | 22.00 L | 33.00 L | 51.00 L | 21.00 L |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 4.70 Cr | 6.09 Cr | 6.37 Cr | 5.83 Cr | 5.01 Cr | 5.76 Cr | 5.48 Cr | 4.80 Cr | 4.72 Cr | 6.05 Cr | 6.32 Cr | 5.86 Cr | 5.74 Cr |
| Pretax Income | 3.67 Cr | 3.45 Cr | 3.52 Cr | 3.57 Cr | 5.12 Cr | 3.58 Cr | 3.55 Cr | 3.20 Cr | 3.63 Cr | 3.06 Cr | 3.13 Cr | 1.88 Cr | 7.41 Cr |
| Tax Provision | 81.99 L | 87.01 L | 88.00 L | 90.00 L | 1.29 Cr | 90.00 L | 89.99 L | 84.00 L | 91.98 L | 76.99 L | 83.01 L | 56.01 L | 1.87 Cr |
| Net Income | 4.53 Cr | 5.03 Cr | 5.23 Cr | 6.62 Cr | 7.32 Cr | 7.73 Cr | 7.78 Cr | 7.38 Cr | 9.43 Cr | 8.44 Cr | 7.63 Cr | 2.58 Cr | 7.03 Cr |
| Diluted EPS | 3.07 | 3.41 | 3.55 | 4.49 | 4.97 | 5.24 | 5.28 | 5.01 | 6.40 | 5.73 | 5.18 | 1.75 | 4.77 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 4.00 Cr | 13.00 Cr | 19.00 Cr | 21.00 Cr | 26.00 Cr | 39.00 Cr | 35.00 Cr | 41.00 Cr |
| Operating Expenses | 1.00 Cr | 1.00 Cr | 1.00 Cr | 1.00 Cr | 1.00 Cr | 1.00 Cr | 1.00 Cr | 1.00 Cr |
| Operating Income | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - |
| Interest Expense | 2.00 Cr | 9.00 Cr | 11.00 Cr | 12.00 Cr | 15.00 Cr | 23.00 Cr | 21.00 Cr | 24.00 Cr |
| Pretax Income | 1.00 Cr | 3.00 Cr | 6.00 Cr | 8.00 Cr | 11.00 Cr | 16.00 Cr | 14.00 Cr | 15.00 Cr |
| Tax Provision | 25.00 L | 75.00 L | 1.50 Cr | 2.08 Cr | 2.75 Cr | 4.00 Cr | 3.64 Cr | 3.90 Cr |
| Net Income | 5.00 Cr | 6.00 Cr | 14.00 Cr | 17.00 Cr | 18.00 Cr | 24.00 Cr | 32.00 Cr | 26.00 Cr |
| Diluted EPS | 3.15 | 4.41 | 9.65 | 11.55 | 12.21 | 16.42 | 21.93 | 17.42 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | 244.00 Cr | 327.00 Cr | 381.00 Cr | 423.00 Cr | 608.00 Cr | 621.00 Cr | 632.00 Cr | 697.00 Cr |
| Total Equity | 176.00 Cr | 185.00 Cr | 217.00 Cr | 248.00 Cr | 290.00 Cr | 314.00 Cr | 358.00 Cr | 386.00 Cr |
| Total Debt | - | - | - | - | - | - | - | - |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -59.00 Cr | -59.00 Cr | 0 | -21.00 Cr | -1.00 Cr | 0 | 1.00 Cr | 17.00 Cr |
| Investing Cash Flow | 0 | -4.00 Cr | -4.00 Cr | -0 | 1.00 Cr | -0 | -0 | -18.00 Cr |
| Financing Cash Flow | 65.00 Cr | 58.00 Cr | 3.00 Cr | 21.00 Cr | 0 | 0 | 0 | 0 |
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | -59.00 Cr | -59.00 Cr | 0 | -21.00 Cr | -1.00 Cr | 0 | 1.00 Cr | 17.00 Cr |
| Net Change in Cash | 6.00 Cr | -6.00 Cr | -0 | 0 | 0 | 0 | 1.00 Cr | -1.00 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - |
| Net Margin % | 125.0% | 46.2% | 73.7% | 81.0% | 69.2% | 61.5% | 91.4% | 63.4% |
| ROE % | 2.8% | 3.2% | 6.5% | 6.9% | 6.2% | 7.6% | 8.9% | 6.7% |
| ROCE % | - | - | - | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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SONAL — Frequently Asked Questions
What is the current share price of Sonal Mercantile Limited (SONAL)?
As of 2026-07-16 05:21 IST, Sonal Mercantile Limited (SONAL) trades at ₹93.00 on NSE. Its 52-week range is ₹87.40 to ₹104.75.
What is the P/E ratio of SONAL?
SONAL trades at a trailing price-to-earnings (P/E) ratio of 5.34. Its price-to-book (P/B) ratio is 0.31.
What is the return on equity (ROE) of SONAL?
SONAL has a return on equity (ROE) of 6.74%.
Is SONAL a good stock to buy?
This page provides a data-driven analysis of Sonal Mercantile Limited (SONAL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.