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SUMEDHA FISCAL SERVICES LTD (SUMEDHA)

Finance · Investment Banks/Brokers · figures to Nov '26

Quality scoreHow the business itself ranks against its sector peers on profitability, 3-year growth and leverage. 50 is the middle of the sector.66 / 100
Profitability 32Balance sheet 100

Newly listed or thinly covered: fundamentals appear here once there is enough reported history. Prices and market cap are up to date.

Share price

Closing priceAdjusted for splits and bonus issues.

₹42 latest close · −6.7% over the last 59 sessions

₹38₹40₹43₹45Aug 17Sep 2Sep 18Oct 7Oct 23Nov 9 ₹38₹40₹43₹45Aug 17Sep 28Nov 9

How rough has the ride been?

Maximum drawdown-15.5%recovered 2026-09

Drawdown from peak

0%−5%−10%−15%−15.5% 0%−5%−10%−15%−15.5%
Largest drawdowns

-15.5% (2026-08 peak to 2026-08 low, recovered 2026-09)

-15.1% (2026-09 peak to 2026-11 low, not yet recovered)

Where does it rank among Finance peers?

Each cell is the company's percentile rank among its Finance peers (non-financial companies) that month.
Darker is better-ranked.
Rows marked ↓ are inverted (lower debt, shorter cash cycle and a lower P/E rank higher).

Where it ranks today

  • ROCE30th
  • Op. margin35th
  • Debt/equity ↓90th
  • Cash cycle ↓34th
  • P/E ↓75th

Rank history

ROCE
Op. margin
Debt/equity ↓
Cash cycle ↓
P/E ↓
Dec '21Jul '22Jan '23Jul '23Jan '24Jul '24Jan '25Jul '25Jan '26Jul '26Nov '26
Lower rank Higher rank Not enough data

Percentiles use today's listed companies in the sector and need at least 5 peers with a value; grey cells have too few.
ROE is computed from net profit and book value where the source does not report it.

The Finance sector page Watch it move against Finance in the Observatory

What is the price implying?

~2%annual earnings growth implied by the price

At a P/E of 7.6x, the price would imply about 2.2%/yr earnings growth for 10 years under the same assumptions, but it is not ranked.

Below the ₹1,000 cr market-cap floor used for the lists.

“Implied growth” is what the current price would require under our stated assumptions, not what we expect.

What prices imply across Finance The market-wide Expectations lists

Key figures

Share Priceclose 9 Nov
₹42.00
P/E
11.9x
ROCE
4.0%
Market Cap
₹33 cr
Revenue (TTM)
₹112 cr
P/S
0.3x
P/B
0.5x
ROE
4.3%
Operating Margin
19.8%
Debt / Equity
0.0x
Promoter Holding
50.3%

Balance sheet & cash

Debt service
no meaningful debt
Cash from profit, 3Y
operating cash flow ÷ net profit
0.12x
low

Are profits backed by cash?

2 of 4checks within range1 beyond a threshold
Other income reliance6%Within range

Other income as a share of pre-tax profit (trailing twelve months): 5.7%. Bands: below 15%, 15% to 35%, above 35%.

Tax rate—Not enough data

Not enough reported data to compute this.

Cash conversion0.12xBeyond threshold

Operating cash flow divided by net profit over the last three fiscal years: 0.12x (cash from operations ₹2 cr, net profit ₹17 cr). Bands: 0.8x and above, 0.5x to 0.8x, below 0.5x.

Free cash flow3 of 5 yrsNear threshold

Fiscal years with positive free cash flow in the last 5: 3. Bands: at least 80% of years, 40% to 80%, below 40%.

Receivable days vs history—Not enough data

Not enough reported data to compute this.

Capital work in progress0% of fixed assetsWithin range

Capital work-in-progress is 0% of fixed assets. Bands: not rising or up to 30%; rising for three years and above 30%; rising and above 60%.

Payable days—Not enough data

Not enough reported data to compute this.

Tap a check to see how it is measured

How to read this

Each check is a named rule with fixed thresholds, not a score. Annual statements are the latest restated figures, so a past year may differ from what was originally reported.

All terms explained in the glossary →

What changed?

1 event since Sep '26

  1. SepPeer rankMoved into the 3rd quartile of Finance on operating margin (from the bottom quartile).

Events are generated from the data by fixed rules.
The month shown is when the change became visible in the reported figures, assuming a 60-day lag after each quarter end; it is not an announcement date.

Where price and fundamentals disagree, market-wide Rewind the whole market to any month

Monthly history4 months · 2026-08 to 2026-11
MonthP/ERevenue (TTM)ROEROCEDebt / Equity
2026-1111.9x₹112 cr4.3%4.0%0.0x
2026-1011.2x₹112 cr4.3%4.0%0.0x
2026-0912.8x₹112 cr4.3%4.0%0.0x
2026-0813.0x₹110 cr3.7%4.0%0.0x

Methodology and data notes

Methodology

Methodology and data notes

All figures come from public exchange prices and screener.in financial statements. Quarterly and annual results are shown from 60 days after the period end, so a month never uses a result before it would plausibly have been published. Statements are the latest versions, which may include later restatements.

Sector medians, percentiles and indices use today's listed companies in the sector (survivorship bias). Prices are adjusted for splits and bonus issues; around a corporate action the fundamentals may lag the price by up to a month, and affected sections are hidden.

The return decomposition uses price = P/E × net profit ÷ share count. The reverse DCF uses a fixed 12% cost of equity, a 10-year horizon and a 15x terminal P/E, and is an illustration only. Events, flags and twins follow fixed rules and thresholds described next to each section.

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