Saraswati Commercial I Ltd Stock Price Today (NSE: ZSARACOM)
Saraswati Commercial I Ltd
Fundamental Score
Saraswati Commercial I Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Saraswati Commercial I Ltd share price today is ₹11599.00, up +0.00% on NSE/BSE as of 20 February 2026. Saraswati Commercial I Ltd (ZSARACOM) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹1.45K (Cr). The 52-week high for ZSARACOM share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 67.38x, ZSARACOM is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 6.47% and a debt-to-equity ratio of 0.05.
Saraswati Commercial I Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Saraswati Commercial I 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
A Conservative Valuation Analysis of Saraswati Commercial I Share Price
For conservative value investors navigating the Non-Banking Financial Company (NBFC) landscape, stringent capital allocation is paramount. Recent regulatory tightening has placed additional emphasis on the quality of assets and risk management within this sector. This analysis provides a cautious, fundamental perspective on the Saraswati Commercial I share price, currently trading at ₹12471.0.
At its current valuation, Saraswati Commercial I Ltd exhibits a Price-to-Earnings (PE) ratio of 67.38. This is comparatively higher than other investment opportunities. A high PE ratio warrants further investigation into the company's growth prospects and sustainability of earnings. In comparison to peers such as
Apollo Finvest, a critical element for value investors is assessing the strength of management and the robustness of their lending practices. Any weakness here could make the business very risky.A key metric for evaluating Saraswati Commercial I Ltd is its Return on Capital Employed (ROCE) of 8.32%. While positive, this figure is relatively modest. From a value investing perspective, a higher ROCE generally indicates a wider economic moat, reflecting the company's ability to generate profits above its cost of capital and defend its market position. An 8.32% ROCE may signal limitations in its competitive advantage and raise concerns about its long-term sustainability of profits. Value investors prefer businesses with a moat because it gives them staying power and therefore safety.
This analysis forms a segment of a comprehensive 80-parameter fundamental audit personally verified by Sweta Mishra, and employs solely observational statements based on publicly available financial data. This audit aims to provide a balanced view of Saraswati Commercial I Ltd's financial health, strictly adhering to SEBI guidelines and avoiding any direct buy or sell recommendations.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Saraswati Commercial I Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of ZSARACOM across key market metrics for learning purposes.
Positive Indicators
9 factors identified
Strong Operating Margins (95.56%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (123.25% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (47.90% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (49.86% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Conservative Debt Levels (D/E: 0.05)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Interest Coverage (11.35x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
Strong Cash Generation (₹113.90 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (73.99%)
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
5 factors identified
Below-Average Return on Equity (6.47%)
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 (8.32%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Premium Valuation Risk (P/E: 67.38x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Revenue Contraction (-6.44%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
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.
Saraswati Commercial I Ltd Financial Statements
Comprehensive financial data for Saraswati Commercial I Ltd including income statement, balance sheet and cash flow
About ZSARACOM (Saraswati Commercial I Ltd)
Saraswati Commercial I Ltd (ZSARACOM) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (NBFC) sector with a current market capitalisation of ₹1.45K (Cr). Saraswati Commercial I Ltd has delivered a Return on Equity (ROE) of 6.47% and a ROCE of 8.32%. The debt-to-equity ratio stands at 0.05, reflecting the company's capital structure. Investors tracking ZSARACOM share price can monitor key metrics including P/E ratio, promoter holding of 73.99%, and quarterly earnings growth.
Company Details
Key Leadership
ZSARACOM Share Price: Frequently Asked Questions
What is the current share price of Saraswati Commercial I Ltd (ZSARACOM)?
As of 20 Feb 2026, 05:22 am IST, Saraswati Commercial I Ltd share price is ₹11599.00. The ZSARACOM stock has a market capitalisation of ₹1.45K (Cr) on NSE/BSE.
Is ZSARACOM share price Overvalued or Undervalued?
ZSARACOM share price is currently trading at a P/E ratio of 67.38x, compared to the industry average of 22.03x. Based on this relative valuation, the Saraswati Commercial I Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of ZSARACOM share price?
The 52-week high of ZSARACOM share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Saraswati Commercial I Ltd share price?
Key factors influencing ZSARACOM share price include quarterly earnings growth (Sales Growth: -6.44%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Saraswati Commercial I Ltd a good stock for long-term investment?
Saraswati Commercial I Ltd shows a 5-year Profit Growth of 49.86% and an ROE of 6.47%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.05 before investing in ZSARACOM shares.
How does Saraswati Commercial I Ltd compare with its industry peers?
Saraswati Commercial I Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare ZSARACOM share price P/E of 67.38x and ROE of 6.47% against the industry averages to determine competitive standing.
What is the P/E ratio of ZSARACOM and what does it mean?
ZSARACOM share price has a P/E ratio of 67.38x compared to the industry average of 22.03x. Investors pay ₹67 for every ₹1 of annual earnings.
How is ZSARACOM performing according to Bull Run's analysis?
ZSARACOM has a Bull Run fundamental score of 50/100, indicating moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does ZSARACOM belong to?
ZSARACOM operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Saraswati Commercial I Ltd share price.
What is Return on Equity (ROE) and why is it important for ZSARACOM?
ZSARACOM has an ROE of 6.47%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Saraswati Commercial I Ltd generates profits from shareholders capital.
How is ZSARACOM debt-to-equity ratio and what does it indicate?
ZSARACOM has a debt-to-equity ratio of 0.05, which indicates conservative financing with low financial risk.
What is ZSARACOM dividend yield and is it a good dividend stock?
ZSARACOM offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Saraswati Commercial I Ltd shares.
How has ZSARACOM share price grown over the past 5 years?
ZSARACOM has achieved 5-year growth rates of: Sales Growth 123.25%, Profit Growth 49.86%, and EPS Growth 47.90%.
What is the promoter holding in ZSARACOM and why does it matter?
Promoters hold 73.99% of ZSARACOM shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Saraswati Commercial I Ltd.
What is ZSARACOM market capitalisation category?
ZSARACOM has a market capitalisation of ₹1450 crores, placing it in the Small-cap category.
How volatile is ZSARACOM stock?
ZSARACOM has a beta of N/A. A beta > 1 suggests the Saraswati Commercial I Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is ZSARACOM operating profit margin trend?
ZSARACOM has a 5-year average Operating Profit Margin (OPM) of 95.56%, indicating the company's operational efficiency.
How is ZSARACOM quarterly performance?
Recent quarterly performance shows Saraswati Commercial I Ltd YoY Sales Growth of -6.44% and YoY Profit Growth of -4.78%.
What is the institutional holding pattern in ZSARACOM?
ZSARACOM has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the Saraswati Commercial I Ltd stock.