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Saraswati Commercial (India) Limited ZSARACOM NSEFINANCIAL

Financial Services · Asset Management · India
https://www.saraswaticommercial.com
Company Profile ↓
₹9,464.00
-3.52% 1Y
Mkt Cap₹1,037.19 Cr
P/E7.40
P/B0.99
52W High₹13,644.00
52W Low₹9,115.00
Book Value₹10,049.98
EPS (TTM)₹1,279.67

Company Overview

Saraswati Commercial (India) Limited, a non-banking financial company, engages in the business of investment and trading in shares and securities, and lending activities in India. Saraswati Commercial (India) Limited was incorporated in 1983 and is based in Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 20.7% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 20.3% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 7.4, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 80.1%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.01.

Recent Developments

  • Mar 2026 Revenue of ₹121.00 Cr (+61.3% YoY); net profit ₹92.00 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +140.2%, earnings +124.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 20.3%, profit CAGR 20.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:20.34%
1 Year:140.20%

Compounded Profit Growth

5 Years:20.72%
1 Year:124.10%

Stock Price Performance

1 Year:-3.52%
6 Months:-
3 Months:-26.54%
1 Month:-9.00%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot
52-Week Range 8% of range
₹9,115.00 ₹13,644.00
Trend Signals
  • Price vs 50-DMABelow
  • RSI (14)38.09 · Neutral
Price Performance
1M-9.00%
3M-26.54%
1Y-3.52%
Valuation vs Sector

P/E of 7.40 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

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 80.1%.
  • Compounding revenue at 20.3% over 5 years.
  • Profit CAGR of 20.7% over 5 years.

CONS

  • Trading 30.6% below its 52-week high.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
7.40
Industry PE
15.36
Forward P/E est.
3.70
PEG Ratio
-
Book Value
₹10,049.98
Price to Book
0.99
P/S
6.57
EV/EBITDA
6.80
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
20.34%
Profit 5Y
20.72%
Revenue (YoY)
140.20%
Earnings (YoY)
124.10%

Profitability & Returns

ROCE
-
ROE
8.36%
ROA
7.55%
Profit Margin
80.14%
Op Margin
98.37%
Gross Margin
-
EPS (Latest Qtr)
₹-148.83
EPS (TTM)
₹1,279.67

Balance Sheet & Liquidity

Debt/Equity
0.01
Quick Ratio
0.68
Current Ratio
19.02
Debt
₹11.68 L
Total Assets
₹1,218.00 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
89.11%
Chg in Prom Hold
14.24%
FII / Inst Holding
0.00%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹1,037.19 Cr
Total Revenue (TTM)
₹165.07 Cr
EBITDA
₹160.03 Cr
Free Cash Flow
₹-114.00 Cr
Operating Cash Flow
₹-114.00 Cr
Shares Outstanding
₹10.96 L
Gross Margin
-
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ZSARACOM Saraswati Commercial (India) Limited NSEFINANCIAL 9,464.00 7.40 ₹1,037.19 Cr 0.00% - 8.36% 20.34% 20.72%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -18.00 Cr30.00 Cr29.00 Cr40.00 Cr30.00 Cr68.00 Cr78.00 Cr-45.00 Cr-26.00 Cr31.00 Cr73.00 Cr33.00 Cr-16.00 Cr
Operating Expenses 1.00 Cr1.00 Cr1.00 Cr1.00 Cr1.00 Cr1.00 Cr2.00 Cr1.00 Cr1.00 Cr2.00 Cr1.00 Cr1.00 Cr2.00 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 1.00 Cr0001.00 Cr001.00 Cr1.00 Cr01.00 Cr1.00 Cr1.00 Cr
Pretax Income -20.00 Cr28.00 Cr28.00 Cr39.00 Cr29.00 Cr67.00 Cr77.00 Cr-46.00 Cr-28.00 Cr29.00 Cr72.00 Cr30.00 Cr-19.00 Cr
Tax Provision 2.60 Cr3.92 Cr3.92 Cr5.46 Cr6.38 Cr14.74 Cr13.09 Cr6.90 Cr5.32 Cr5.51 Cr11.52 Cr5.40 Cr2.47 Cr
Net Income -17.00 Cr24.00 Cr24.00 Cr33.00 Cr22.00 Cr52.00 Cr63.00 Cr-39.00 Cr-23.00 Cr24.00 Cr60.00 Cr25.00 Cr-16.00 Cr
Diluted EPS -168.75237.11231.09323.53217.21509.27614.91-382.56-209.42215.17550.23225.84-148.83

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 19.00 Cr11.00 Cr16.00 Cr9.00 Cr1.00 Cr28.00 Cr87.00 Cr24.00 Cr128.00 Cr75.00 Cr121.00 Cr
Operating Expenses 1.00 Cr3.00 Cr2.00 Cr2.00 Cr14.00 Cr2.00 Cr2.00 Cr3.00 Cr3.00 Cr5.00 Cr6.00 Cr
Operating Income -----------
EBITDA -----------
Interest Expense 4.00 Cr3.00 Cr0002.00 Cr1.00 Cr2.00 Cr2.00 Cr2.00 Cr3.00 Cr
Pretax Income 14.00 Cr5.00 Cr14.00 Cr8.00 Cr-13.00 Cr25.00 Cr84.00 Cr19.00 Cr123.00 Cr69.00 Cr112.00 Cr
Tax Provision 0-10.00 L-2.38 Cr80.00 L3.38 Cr3.50 Cr18.48 Cr7.41 Cr19.68 Cr15.18 Cr20.16 Cr
Net Income 14.00 Cr5.00 Cr16.00 Cr7.00 Cr-10.00 Cr21.00 Cr65.00 Cr12.00 Cr104.00 Cr53.00 Cr92.00 Cr
Diluted EPS --159.4667.44-96.01213.11630.35113.511,008.84487.45842.32

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 82.00 Cr133.00 Cr162.00 Cr137.00 Cr168.00 Cr299.00 Cr488.00 Cr490.00 Cr770.00 Cr1,109.00 Cr1,218.00 Cr
Total Equity 35.64 Cr115.64 Cr129.00 Cr136.00 Cr157.00 Cr279.00 Cr427.00 Cr438.00 Cr697.00 Cr967.00 Cr1,101.00 Cr
Total Debt -----------

Cash Flows (Annual)

Figures in INR.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -16.00 Cr-23.00 Cr-6.00 Cr-16.00 Cr-18.00 Cr-5.00 Cr50.00 Cr27.00 Cr33.00 Cr9.00 Cr-114.00 Cr
Investing Cash Flow 20.00 Cr27.00 Cr8.00 Cr16.00 Cr16.00 Cr4.00 Cr-81.00 Cr-22.00 Cr-7.00 Cr-108.00 Cr139.00 Cr
Financing Cash Flow -4.00 Cr-3.00 Cr-3.00 Cr-09.00 Cr-7.00 Cr33.00 Cr-7.00 Cr-24.00 Cr120.00 Cr-45.00 Cr
Capital Expenditure 00000000000
Free Cash Flow -16.00 Cr-23.00 Cr-6.00 Cr-16.00 Cr-18.00 Cr-5.00 Cr50.00 Cr27.00 Cr33.00 Cr9.00 Cr-114.00 Cr
Net Change in Cash 02.00 Cr-1.00 Cr-07.00 Cr-7.00 Cr2.00 Cr-2.00 Cr2.00 Cr20.00 Cr-21.00 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----------
Operating Margin % -----------
Net Margin % 73.7%45.5%100.0%77.8%-1,000.0%75.0%74.7%50.0%81.2%70.7%76.0%
ROE % 39.3%4.3%12.4%5.1%-6.4%7.5%15.2%2.7%14.9%5.5%8.4%
ROCE % -----------

Shareholding Pattern

Insiders
89.11%
Institutions
0.00%
Public Float
0.00%

Analyst View

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Latest News

Recent headlines for ZSARACOM

Google News Sun, 18 Oct 2026

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Google News Sun, 27 Sep 2026

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Google News Sat, 03 Oct 2026

ZSARACOM Q2 2026 Earnings: EPS of ₹842.32 as Revenue Slips 3.62% and Stock Holds Flat - High Growth Earnings - https://www.siam.in/

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Google News Fri, 11 Sep 2026

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Google News Sat, 22 Aug 2026

Saraswati (ZSARACOM.NS) Latest Quarter: The Company Lists Its Latest Available Figures at the Close; Share Move: The Stock Records a 0.14% Increase on the Day - Profit Growth Outlook - https://www.siam.in/

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ZSARACOM — Frequently Asked Questions

What is the current share price of Saraswati Commercial (India) Limited (ZSARACOM)?

As of 2026-10-23 04:58 IST, Saraswati Commercial (India) Limited (ZSARACOM) trades at ₹9,464.00 on NSE. Its 52-week range is ₹9,115.00 to ₹13,644.00.

What is the market capitalisation of ZSARACOM?

Saraswati Commercial (India) Limited (ZSARACOM) has a market capitalisation of ₹1,037.19 Cr on NSE.

What is the P/E ratio of ZSARACOM?

ZSARACOM trades at a trailing price-to-earnings (P/E) ratio of 7.40. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 0.99.

What is the return on equity (ROE) of ZSARACOM?

ZSARACOM has a return on equity (ROE) of 8.36%.

Is ZSARACOM a good stock to buy?

This page provides a data-driven analysis of Saraswati Commercial (India) Limited (ZSARACOM), 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.

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