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SK Finance Limited

  • https://www.skfin.in/
  • Sector: Banks/NBFC
  • CHRYSEUM SCORE: 6.50/10.00
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    SK Finance Limited

    • Sector: Banks/NBFC
    • CHRYSEUM SCORE: 6.50/10.00

    Description: SK Finance Limited offers instant commercial auto, bike, and Small business loans in India.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    P/B of Company

    2.80

    Avg P/B of Key Peers

    2.82

    P/B of Industry

    1.78

    Valuation Score

    1.00

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    42.93%

    PAT Growth

    38.51%

    BVPS Growth

    29.93%

    Growth Score

    3.50

    The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

    Key Metrics

    Max Score: 1.50

    ROA

    2.00

    Net NPA

    0.00

    Capital Adequacy

    2.00

    Key Metrics Score

    0.50

    The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹730.00 0.00 (0.00%)

As on 04 Mar, 2026
L 575.00 52 Week Range H 960.00
Company Description : The Rajasthan based company SK Finance has a vintage of over 28 years in the used vehicle finance segment, offering instant commercial auto, bike & small business loans in India
Company Overview
  • Name of Company SK Finance Limited
  • Sector Banks/NBFC
  • ISIN INE124N01021
  • Scrip Code SK Finance
  • CIN U65923RJ1994PLC009051
  • Pan No AAACE5115F
  • Face Value 2
  • Price ₹ 730.00
  • No. of Shares outstanding 13.41 Cr.
  • Market Cap ₹ 9,789.91 Cr
Financials
  • Revenue from operations ₹ 2,377.94 Cr.
  • EBITDA ₹ 1,502.55 Cr.
  • EBITDA Margin % 63.19%
  • Profit After Tax ₹ 379.66 Cr.
  • PAT Margin % 15.91%
  • EPS 28.31
  • Stock P/E 25.79
  • Book Value Per Share 261.12
  • P/B 2.80
  • Debt/Equity 2.69
Other Key Statistics
  • 52 week High/Low 960.00/575.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 42.93%
  • EBITDA Growth - 3 years 40.63%
  • PAT Growth - 3 years 38.51%
  • EPS Growth - 3 years 38.53%
  • ROE 10.84%
  • ROCE 41.25%
  • Cash Equivalents 1904.15
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY25
Company Name SK Finance Limited Mahindra & Mahindra Financial Services Ltd Shriram Finance Ltd
Listing Status Unlisted Listed Listed
Revenue from Operations 2,377.94 18,463.10 41,834.42
Total Income 2,386.37 18,530.46 41,859.47
Finance Cost 971.30 8,415.43 18,454.58
Depreciation & Amortization 46.49 321.21 645.32
Total Expenses 1,901.61 15,568.78 30,910.22
EBITDA 1,502.55 11,698.32 30,049.15
PAT 379.66 2,260.87 9,576.32
No. of Shares Outstanding 13.41 123.55 188.04
EPS (in ₹) 28.31 18.30 50.93
Share Capital 13.40 246.98 376.08
Total Net Worth 3,501.81 21,529.46 56,469.82
Total Assets 15,419.39 144,105.26 293,722.16
Total Debt 9,427.40 71,753.53 121,448.42
Key Metrics:
CMP* 730.00 362.20 1,010.00
Market Cap (In Cr.) 9,789.91 44,749.81 189,920.40
Market Cap/Sales 4.10 2.41 4.54
EPS (Earnings Per Share) 28.31 18.30 50.93
BVPS (Book Value Per Share) 261.12 174.25 300.31
P/E 25.79 19.79 19.83
P/BV 2.80 2.08 3.36
EBITDA Margin 63.19% 63.36% 71.83%
ROE 10.84% 10.50% 16.96%
ROA 2.46% 1.57% 3.26%
Net NPA (%) 3.42% 1.84% 2.64%
Capital Adequacy 29.51% 18.33% 20.66%
*Market Price in ₹ as on 04 Mar, 2026

Profit Loss

FY25 FY24 FY23 FY22 FY21
Revenue from operations 2,377.94 1,791.19 1,302.77 814.38 672.86
Y-o-Y Revenue Growth 32.76% 37.49% 59.97% 21.03% 17.53%
Other Income 8.43 6.75 11.47 6.30 9.63
Total Income 2,386.37 1,797.94 1,314.24 820.68 682.49
Total Expenses (Excludes Interest and Depreciation) 883.82 615.17 451.35 280.45 250.73
Operating Profit (After deducting Depreciation) 1,447.63 1,139.91 826.22 518.12 410.80
OPM % 60.88 63.64 63.42 63.62 61.05
EBITDA 1,502.55 1,182.77 862.89 540.23 431.76
Depreciation 46.49 36.11 25.20 15.81 11.33
EBIT 1,456.06 1,146.66 837.69 524.42 420.43
Interest 971.30 747.34 547.48 346.82 297.01
EBT before Exceptional Items 484.76 399.32 290.21 177.60 123.42
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 484.76 399.32 290.21 177.60 123.42
Tax 105.09 87.40 67.42 34.73 32.33
Net Profit 379.66 311.92 222.79 142.87 91.09
Profit (loss) of minority interest 0.00 0.00 0.00 0.00 0.00
Total profit (loss) for period 379.66 311.92 222.79 142.87 91.09
EPS in Rs 28.31 23.26 16.61 10.65 6.79
EPS Change % 21.72% 40.01% 55.94% 56.84% 15.99%
EBITDA Change % 27.04% 37.07% 59.73% 25.12% 24.73%
Profit growth 21.72% 40.01% 55.94% 56.84% 15.99%
ROCE 41.25% 36.60% 45.16% 32.51% 42.48%
ROE 10.84% 10.03% 12.15% 8.95% 9.38%
Debt / Equity Ratio 2.69 2.38 2.91 2.80 3.28
Sales growth 3Years 42.93%
Sales growth 5Years 32.95%
Dividend per share 0.00

Balance Sheet

FY25 FY24 FY23 FY22 FY21
Share Capital 13.40 13.37 5.86 5.82 5.22
Reserves 3,488.41 3,095.21 1,827.88 1,590.62 966.26
Total shareholders' funds 3,501.81 3,108.58 1,833.74 1,596.44 971.48
Borrowings 9,427.40 7,398.32 5,328.18 4,477.36 3,184.06
Other Liabilities 292.58 250.26 168.22 149.54 140.95
Total Liabilities 11,917.58 9,200.55 7,221.92 4,635.53 3,330.55
Fixed Assets 215.85 179.73 132.64 103.38 58.52
Capital WIP 0.00 2.08 4.18 0.00 0.00
Investments 1,039.41 287.55 526.12 781.84 258.88
Other Assets 369.90 154.89 133.91 47.13 42.97
Total Assets 15,419.39 12,309.12 9,055.66 6,231.96 4,302.03
Cash Equivalents 1,904.15 1,964.76 1,219.79 617.90 618.42
Total Current liability 11,889.18 9,175.81 7,200.74 4,618.65 3,312.25
Total Assets -Total Current liabilty 3,530.21 3,133.31 1,854.92 1,613.31 989.78

Cash Flow

FY25 FY24 FY23 FY22 FY21
Net Cash from / (used in) Operating Activity -2,112.12 -2,321.61 -2,243.40 -1,228.15 -366.29
Net Cash from / (used in) Investing Activity -565.69 -791.56 280.85 -560.02 -133.43
Net Cash from / (used in) Financing Activity 2,653.51 2,765.68 2,545.48 1,745.41 670.66
Net Inc/Dec In Cash And Cash Equivalents -24.30 -347.49 582.93 -58.76 170.95

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 4.33 32.30%
Non Promoters 9.08 67.70%

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