Sera Investments and Finance India Ltd.

Sera Investments and Finance India Ltd.

BBSE:SERA
59.00
INR
+2.96
(+5.28%)
15.67EPS
2.58P/E
2.63BMarket Cap
Sera Investments and Finance India Ltd.
BSE:SERA
(Bombay Stock Exchange)

Recent

price

59.00

P/E

ratio

2.58

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
23.51
22.46
0.42
0.52
- -
0.56
0.62
0.14
0.42
0.54
0.12
1.22
-0.22
4.46
1.78
10.33
19.46
Revenue per Share
2.47
2.26
0.06
-1.12
0.31
0.27
0.31
0.05
-0.07
0.08
-0.14
-0.43
-2.79
3.49
0.39
8.18
15.7
Basic EPS, GAAP
0.89
-0.29
-0.25
-0.5
0.36
-0.09
-0.25
-0.87
0.28
0.31
- -
-2.43
-1.2
-1.74
1.3
8.32
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.1
- -
- -
Dividend per Share
31.79
34.06
4.09
2.97
3.28
3.56
3.87
3.99
3.92
4
6.67
4.67
5.17
10.64
79.77
44.86
- -
Book Value per Share
31.79
34.06
4.09
2.97
3.28
3.56
3.87
3.99
3.92
4
6.67
4.67
5.17
10.64
79.74
44.8
- -
Tangible Book Value per Share
13
13
13
13
13
13
13
31
13
13
25
25
50
51
65
65
66
Basic Weighted Avg Shares
294
281
5
6
- -
7
8
4
5
7
3
30
-11
229
116
677
1,282
Sales/Revenue/Turnover
-1.2
13.12
11.06
-270.17
- -
73.24
76.62
54.49
25.55
20.08
-109.88
-35.76
1,127.97
84.54
22.45
92.55
94.62
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
3
7
6
6
Depreciation Expense
31
28
1
-14
4
3
4
2
-1
1
-3
-11
-140
179
25
536
1,035
Net Income, GAAP
21
22.05
20.64
- -
32.66
33.36
33.89
35.25
166.12
23.96
- -
- -
- -
7.57
2.66
15.53
15.21
Effective Tax Rate (%)
10.5
10.07
14.71
-216.46
- -
48.81
50.66
35.24
-16.82
15.19
-113.29
-35.68
1,255.56
78.16
21.83
79.18
80.69
Profit Margin (%)
115
150
20
- -
4
6
7
49
78
44
160
502
550
732
3,568
3,363
- -
Working Capital
6
- -
- -
- -
- -
- -
- -
- -
29
27
- -
402
296
65
12
12
- -
LT Debt
397
426
51
37
41
44
48
50
49
50
167
117
258
691
5,185
2,938
- -
Total Equity
8.02
6.76
0.32
- -
9.92
7.87
8.4
3.18
-1.12
1.11
- -
- -
- -
24.47
0.8
12.66
- -
Return on Invested Capital (%)
8.52
6.76
0.32
- -
10.1
7.87
8.4
3.17
-1.12
1.11
- -
- -
- -
24.81
0.81
12.86
- -
Return on Capital (%)
8.08
6.87
0.32
-31.76
10.03
7.94
8.41
3.18
-1.78
2.05
-3.15
-7.67
-74.46
37.63
0.86
13.19
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
12
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
65
65
65
Market Capitalization
2,518
2,242
2,629

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
3,376
- -
Cash, Cash Equivalents & STI
- -
2,541
- -
Accounts Receivable, Net
- -
7
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
14
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
111.1%
173.1%
-43.34%
Free Cash Flow
8,086.21%
16,024.52%
542.68%
Net Income, GAAP
225.44%
621.5%
2,017.9%
Sales/Revenue/Turnover
-98.74%
-189.36%
483.98%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
60
29
5
23
116
2026
26
21
252
419
677
2027
590
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.56
0.34
-0.81
0.31
0.39
2026
0.02
0.14
3.06
4.9
8.18
2027
7.57
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.1
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -
Business
Sera Investments & Finance India Limited is a non-banking financial company primarily engaged in providing a range of financial services including personal loans, micro, small and medium enterprise (MSME) loans, and loans against securities. The company offers unsecured credit products with quick application, approval, and disbursal processes, targeting underserved retail and business market segments across India. It also provides capital advisory services encompassing corporate finance advisory, debt advisory, acquisition finance advisory, and liability management. Founded as Kapashi Commercial Ltd and headquartered in India, the company recently changed its name to reflect its focused financial services role. Recent major changes include the acquisition of a 99.21% stake in Sera Code Private Limited, making it a subsidiary, alongside the incorporation of a wholly owned subsidiary, Sera Capital Services Private Limited, in early 2025 to expand its operational capacity. The company has also strengthened its capital fund-raising capabilities by registering a Category III Alternative Investment Fund (AIF), the Sera Capital Growth Fund, with SEBI to raise ₹100 crore. These strategic expansions align with its business model focusing on investment, financing activities, asset management, and credit services. Sera Investments remains registered with the Reserve Bank of India as an NBFC and continues to operate primarily in the Indian financial services sector, catering to both individual consumers and MSMEs with collateral-free instant loans and capital advisory solutions.