S.I.Capital And Financial Services
BSE: SICAPIT · Diversified Commercial Services
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Snapshot
Unlock S.I.Capital And Financial Services's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
S I Capital and Financial Services Limited is an RBI-authorized Category II Authorized Dealer based in Kerala, specialising in foreign exchange and money transfer services. The company also provides retail financial products, including gold loans and personal financing, primarily serving customers in Southern India.
Business Model
The company generates revenue through commissions and spreads on foreign exchange transactions, outward remittances, and interest income from its gold loan and personal financing portfolios.
Growth Outlook
Growth is driven by the increasing demand for outward remittances for overseas education and medical treatments, alongside the expansion of its retail lending footprint in Southern India.
Key Risks
- Regulatory Risk. As an RBI-authorized dealer, the company is subject to stringent compliance requirements and potential policy changes regarding foreign exchange and remittance operations.
- Credit Risk. The company faces potential defaults within its gold loan and personal financing portfolios, which could impact overall asset quality.
- Market Competition. The financial services sector is highly competitive, with pressure from larger banks and fintech platforms offering similar remittance and lending services.
- Geographic Concentration. The company's heavy reliance on Southern India exposes it to regional economic fluctuations and localized market risks.
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Key Metrics
REVENUE
₹4 Cr
TTM · standalone
NET PROFIT
₹0.33 Cr
TTM · standalone
EPS
₹0.68
TTM · standalone
RETURN ON EQUITY
6.1%
TTM · standalone
P/E
36.0x
Q4 FY26 · standalone
EBITDA MARGIN
32.6%
TTM · standalone
NET PROFIT MARGIN
12.7%
Q4 FY26 · standalone
DEBT TO EQUITY
0.0x
Q2 FY20 · standalone
Peers · Diversified Commercial Services
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
S.I.Capital And Financial ServicesSICAPIT | ₹19 Cr | 22.65 | — | 44.9% | 32.6% | 6.1% | — | -59.0% |
Radiant Cash Management Services LimitedRADIANTCMS | ₹419 Cr | 13.36 | 7.12 | 1.8% | 12.5% | 10.0% | 14.0% | -34.1% |
Kalind LtdKALIND | ₹382 Cr | 0.18 | 8.31 | 29444.4% | 59.0% | 55.4% | 72.3% | -91.9% |
Majestic AutoMAJESAUT | ₹377 Cr | 3.85 | 4.85 | -45.0% | 167.0% | 15.7% | 18.6% | +4.9% |
Dev Accelerator LimitedDEVX | ₹340 Cr | 28.74 | 3.72 | — | 55.5% | 5.5% | 12.8% | — |
Mizzen VenturesMIZVEN | ₹94 Cr | 89.13 | 48.95 | — | 76.2% | 2.2% | 3.7% | -83.7% |
As of Q4 FY26
Financials
S.I.Capital And Financial Services
BSE: SICAPIT · Diversified Commercial Services
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock S.I.Capital And Financial Services's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
S I Capital and Financial Services Limited is an RBI-authorized Category II Authorized Dealer based in Kerala, specialising in foreign exchange and money transfer services. The company also provides retail financial products, including gold loans and personal financing, primarily serving customers in Southern India.
Business Model
The company generates revenue through commissions and spreads on foreign exchange transactions, outward remittances, and interest income from its gold loan and personal financing portfolios.
Growth Outlook
Growth is driven by the increasing demand for outward remittances for overseas education and medical treatments, alongside the expansion of its retail lending footprint in Southern India.
Key Risks
- Regulatory Risk. As an RBI-authorized dealer, the company is subject to stringent compliance requirements and potential policy changes regarding foreign exchange and remittance operations.
- Credit Risk. The company faces potential defaults within its gold loan and personal financing portfolios, which could impact overall asset quality.
- Market Competition. The financial services sector is highly competitive, with pressure from larger banks and fintech platforms offering similar remittance and lending services.
- Geographic Concentration. The company's heavy reliance on Southern India exposes it to regional economic fluctuations and localized market risks.
Start your research today
Unlock AI insights, financials, peers and live data on S.I.Capital And Financial Services and 5,000+ companies — free.
Key Metrics
REVENUE
₹4 Cr
TTM · standalone
NET PROFIT
₹0.33 Cr
TTM · standalone
EPS
₹0.68
TTM · standalone
RETURN ON EQUITY
6.1%
TTM · standalone
P/E
36.0x
Q4 FY26 · standalone
EBITDA MARGIN
32.6%
TTM · standalone
NET PROFIT MARGIN
12.7%
Q4 FY26 · standalone
DEBT TO EQUITY
0.0x
Q2 FY20 · standalone
Peers · Diversified Commercial Services
As of Q4 FY26