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Sk finance Unlisted Share

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About Sk finance Unlisted Share

1. About SK Finance Limited

Founded in 1994 by Rajendra Kumar Setia, SK Finance Limited is a Non-Banking Financial Company (NBFC – Middle Layer) with a stronghold in vehicle and MSME financing. With a mission to promote financial inclusion, SK Finance has developed deep roots in rural and semi-urban India. Backed by an extensive branch network, robust underwriting, and tech-enabled operations, the company is empowering underserved communities and delivering sustainable value.

A. Vehicle Financing

Vehicle financing remains the core business of SK Finance, accounting for a significant share of the company’s loan book. Key highlights:

Covers used & new commercial vehicles (excluding M&HCVs), cars, tractors, and two-wheelers.
77.41% of the vehicle finance portfolio comprises used vehicles – the highest among peers.
Loans sourced via direct teams and 8,853 DSAs across India.

B. MSME Financing

Launched in 2016, this division serves the financial needs of micro and small businesses in underserved markets:

Loans are asset-backed and targeted at self-employed, unbanked, or underbanked customers.
322 of 535 branches currently disburse MSME loans.
Sourced exclusively through an on-ground sales team to ensure credit quality and customer connect.

Pros

Stock is trading at 1.14 times its book value
Company is expected to give good quarter
Company has been maintaining a healthy dividend payout of 26.3%

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of -6.23% over past five years.
Company has a low return on equity of 3.68% over last 3 years.

Key Details

Share Name	Particulars
SK Finance Unlisted	885
Shares Price	Per Equity Share
Minimum Lot Size	Shares Worth Rs. 15000
52 Week High	₹ 900
52 Week LoW	₹ 800
Depository	NSDL & CDSL
PAN Number	AAACE5115F
ISIN Number	INE124N01039
CIN	U65923RJ1994PLC009051
RTA	KFin Technology

Fundamentals	Value
Market Cap (in cr.)	11859.20
P/E Ratio	31.44
P/B Ratio	3.39
Debt to Equity	3.31
ROE (%)	11%
Book Value	261.33
EPS	28.15
Face Value	10
Total Shares	134002204

Financials

P&L Statement	2025	2024	2023
Interest Earned	2120	1632	1210
Other Income	266	159	104
Interest Expended	971	747	547
Operating Expenses	692	495	358
Provisions and contingencies	239	119	91
PAT	380	311	222
eps	28.36	23.26	37.86
Gross NPA	2.58	3.48	3.11
Net NPA	1.53	2.47	2.36

Ratio	FY 25	FY 24	FY 23
Operating Profit Ratio	61%	64%	64%
Net Profit Ratio	16%	17%	17%
Return on Eqyity	11%	10%	12%
Debt-Equity	3.31	2.87	3.84
Current Ratio
Dividend Payout Ratio	0%	0%	0%

Company	SK Finance	IIFL Finance	Sundaram Finance
Market Cap (₹ Crores)	11859	19645	57330
Profitability Margin (%)	16.00%	8.00%	22.00%
ROCE (%)	9.00%	9.00%	10.00%
ROE (%)	11.00%	5.00%	15.00%
D/E Ratio	3.31	4.15	4.63
P/E Ratio	31.44	34.90	30.9
P/B Ratio	3.39	1.59	4.36
Book Value per Share (₹)	261.33	292.00	1188

Assets	2025	2024	2023
Fixed Assets	225	179	132
Cash and Balances	1904	1963	1219
Investments	1039	287	526
Advances	11841	9643	6990
Other Assets	410	238.37	188
Total Assets	15419	12310.37	9055

Liabilities	2025	2024	2023
Share Capital	13.4	13.37	5.864
FV	1	1	1
Reserves	3488	3095	1827
Borrowings	11604	8934	7042
Trade Payables	0	0	0
Other Liabilities	313.6	268	181
Total Liabilities	15419	12310.37	9055.86