Savani Financials Ltd Stock Price Today (NSE: SAVFI)
Fundamental Score
Savani Financials Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Savani Financials Ltd share price today is ₹13.20, up +3.94% on NSE/BSE as of 30 March 2026. Savani Financials Ltd (SAVFI) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹50.61 (Cr). The 52-week high for SAVFI share price is ₹23.29 and the 52-week low is ₹12.48. The company has a Return on Equity (ROE) of -43.88% and a debt-to-equity ratio of 1.31.
Savani Financials Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Savani Financials Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Savani Financials Share Price: A Financial Health Check
The Non-Banking Financial Company (NBFC) sector is currently facing increased scrutiny regarding asset quality and liquidity, making in-depth financial analysis crucial. This report examines the financial health of Savani Financials Ltd, with specific focus on the current Savani Financials share price of ₹15.09. It's vital to remember that this analysis is observational and should not be interpreted as investment advice. It's part of a larger, 80-parameter fundamental audit verified by Sweta Mishra.
A primary concern is the absence of a Price-to-Earnings (PE) ratio, suggesting the company is currently unprofitable. More alarming is the significantly negative Return on Capital Employed (ROCE) of -36.86%. This implies that Savani Financials is destroying value with the capital it employs, severely impacting its potential to build a sustainable economic moat. A negative ROCE of this magnitude throws into question the company's operational efficiency and ability to generate returns for its investors. Even during Covid, NBFCs managed to stay afloat.
When comparing Savani Financials Ltd to its sector peers, such as
Apollo Finvest, it's important to consider factors beyond just financial metrics. Management quality and strategic decision-making play a critical role in navigating the challenging NBFC landscape. While Apollo Finvest's management team has demonstrated experience in managing credit cycles and focusing on niche lending segments, a deep analysis of Savani Financials Ltd's management experience and track record is crucial to asses future potential.The negative ROCE directly impacts the company's ability to reinvest in its business, attract further capital, and ultimately, improve its long-term competitiveness. A company consistently destroying capital struggles to build any semblance of a moat, leaving it vulnerable to competitive pressures and economic downturns. Further investigation into the underlying causes of this negative ROCE is warranted to understand the long-term sustainability of Savani Financials share price.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Savani Financials Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SAVFI across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Strong Revenue Growth (369.86%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (89.60% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Balanced Promoter Holding (75.00%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Below-Average Return on Equity (-43.88%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (-36.86%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Margin Pressure Concerns (-265.64%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Profit Decline Concern (-154.76%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Elevated Debt Levels (D/E: 1.31)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (-7.41x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-11.69 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Savani Financials Ltd Financial Statements
Comprehensive financial data for Savani Financials Ltd including income statement, balance sheet and cash flow
About SAVFI (Savani Financials Ltd)
Savani Financials Ltd is a Non-Banking Financial Company (NBFC) based in Mumbai, India, with a long operational history dating back to its incorporation in 1983. The company focuse...s on providing financial solutions, primarily lending, to businesses and individuals. While the specific products and services offered by SAVFI may vary, they typically include loan products designed to support the growth and working capital needs of small and medium-sized enterprises. Savani Financials operates within the regulatory framework governing NBFCs in India, adhering to guidelines set by the Reserve Bank of India (RBI). The company's mission revolves around serving segments of the market that may be underserved by traditional banking institutions, playing a crucial role in financial inclusion. Savani Financials differentiates itself through its understanding of the local market and its commitment to building strong relationships with its clients. The company emphasizes a customer-centric approach, aiming to provide tailored financial solutions that meet the unique requirements of each borrower. This approach often involves a more flexible and streamlined loan application process compared to larger banks. Furthermore, Savani Financials maintains a focus on risk management and compliance to ensure the sustainability and integrity of its operations. By strategically targeting specific industry sectors or geographic regions, the company aims to develop expertise and provide specialized financing options. SAVFI's presence in the Indian financial landscape contributes to the broader ecosystem of non-banking financial institutions. As an NBFC, Savani Financials operates under specific regulatory guidelines that differ from those governing commercial banks. This allows it to provide specialized services and reach niche markets. The company's lending activities support economic activity and job creation within the communities it serves. By carefully managing its loan portfolio and adhering to regulatory requirements, Savani Financials aims to provide sustainable financial solutions to its clients, contributing to their long-term growth and success.
Company Details
Key Leadership
SAVFI Share Price: Frequently Asked Questions
What is the current share price of Savani Financials Ltd (SAVFI)?
As of 30 Mar 2026, 11:00 am IST, Savani Financials Ltd share price is ₹13.20. The SAVFI stock has a market capitalisation of ₹50.61 (Cr) on NSE/BSE.
Is SAVFI share price Overvalued or Undervalued?
SAVFI share price is currently trading at a P/E ratio of 0.00x, compared to the industry average of 22.03x. Based on this relative valuation, the Savani Financials Ltd stock appears to be Fairly Valued against its sector peers.
What is the 52-week high and low of SAVFI share price?
The 52-week high of SAVFI share price is ₹23.29 and the 52-week low is ₹12.48. These values are updated daily from NSE/BSE price data.
What factors affect the Savani Financials Ltd share price?
Key factors influencing SAVFI share price include quarterly earnings growth (Sales Growth: 369.86%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Savani Financials Ltd a good stock for long-term investment?
Savani Financials Ltd shows a 5-year Profit Growth of N/A% and an ROE of -43.88%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.31 before investing in SAVFI shares.
How does Savani Financials Ltd compare with its industry peers?
Savani Financials Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare SAVFI share price P/E of 0.00x and ROE of -43.88% against the industry averages to determine competitive standing.
What is the P/E ratio of SAVFI and what does it mean?
SAVFI share price has a P/E ratio of N/Ax compared to the industry average of 22.03x. Investors pay ₹N/A for every ₹1 of annual earnings.
How is SAVFI performing according to Bull Run's analysis?
SAVFI has a Bull Run fundamental score of 22/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does SAVFI belong to?
SAVFI operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Savani Financials Ltd share price.
What is Return on Equity (ROE) and why is it important for SAVFI?
SAVFI has an ROE of -43.88%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Savani Financials Ltd generates profits from shareholders capital.
How is SAVFI debt-to-equity ratio and what does it indicate?
SAVFI has a debt-to-equity ratio of 1.31, which indicates high leverage that increases financial risk.
What is SAVFI dividend yield and is it a good dividend stock?
SAVFI offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Savani Financials Ltd shares.
How has SAVFI share price grown over the past 5 years?
SAVFI has achieved 5-year growth rates of: Sales Growth 89.60%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in SAVFI and why does it matter?
Promoters hold 75.00% of SAVFI shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Savani Financials Ltd.
What is SAVFI market capitalisation category?
SAVFI has a market capitalisation of ₹51 crores, placing it in the Small-cap category.
How volatile is SAVFI stock?
SAVFI has a beta of N/A. A beta > 1 suggests the Savani Financials Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is SAVFI operating profit margin trend?
SAVFI has a 5-year average Operating Profit Margin (OPM) of -265.64%, indicating the company's operational efficiency.
How is SAVFI quarterly performance?
Recent quarterly performance shows Savani Financials Ltd YoY Sales Growth of 369.86% and YoY Profit Growth of -154.76%.
What is the institutional holding pattern in SAVFI?
SAVFI has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the Savani Financials Ltd stock.