Sera Investments & Finance Inc Stock Price Today (NSE: SERA)
Sera Investments & Finance Inc
Fundamental Score
Sera Investments & Finance Inc Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Sera Investments & Finance Inc share price today is ₹39.02, up +2.58% on NSE/BSE as of 7 August 2026. Sera Investments & Finance Inc (SERA) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹268.52 (Cr). The 52-week high for SERA share price is ₹52.45 and the 52-week low is ₹31.31. At a P/E ratio of 5.05x, SERA is currently trading below its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 18.10% and a debt-to-equity ratio of 0.00.
Sera Investments & Finance Inc Share Price Chart — NSE/BSE Historical Performance
Sera Investments & Finance Inc share price chart: -2.04% return over the past month. 52-week high ₹52.45, 52-week low ₹31.31.
Sera Investments & Finance Inc — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹39.11 | ₹41.38 | ₹39.11 | ₹39.67 | 9.82K (Cr) | |
| ₹39.89 | ₹40.89 | ₹39.89 | ₹40.01 | 60.43K (Cr) | |
| ₹38.10 | ₹40.88 | ₹37.99 | ₹39.89 | 84.20K (Cr) | |
| ₹40.59 | ₹40.59 | ₹40.09 | ₹40.09 | 2.58K (Cr) | |
| ₹41.25 | ₹41.25 | ₹40.20 | ₹40.49 | 8.66K (Cr) | |
| ₹40.00 | ₹41.41 | ₹40.00 | ₹41.09 | 29.66K (Cr) | |
| ₹41.89 | ₹41.89 | ₹39.83 | ₹40.45 | 36.14K (Cr) | |
| ₹40.65 | ₹41.48 | ₹40.35 | ₹40.67 | 9.50K (Cr) | |
| ₹40.65 | ₹41.92 | ₹39.67 | ₹40.65 | 74.69K (Cr) | |
| ₹41.21 | ₹42.20 | ₹40.46 | ₹40.65 | 10.59K (Cr) |
Sera Investments & Finance Inc — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹39.89 | ₹41.38 | ₹39.11 | ₹39.67 | -0.55% | |
| ₹39.99 | ₹43.60 | ₹37.99 | ₹39.89 | -0.25% | |
| ₹45.15 | ₹47.70 | ₹37.50 | ₹40.76 | -9.72% | |
| ₹45.20 | ₹52.45 | ₹41.24 | ₹45.01 | -0.42% | |
| ₹35.00 | ₹48.45 | ₹34.00 | ₹44.31 | +26.60% | |
| ₹36.30 | ₹38.20 | ₹32.59 | ₹34.24 | -5.67% | |
| ₹40.38 | ₹41.00 | ₹34.98 | ₹36.38 | -9.91% | |
| ₹39.74 | ₹43.00 | ₹36.37 | ₹39.99 | +0.63% | |
| ₹40.50 | ₹43.99 | ₹36.50 | ₹38.44 | -5.09% | |
| ₹32.36 | ₹43.49 | ₹31.50 | ₹41.61 | +28.58% | |
| ₹34.76 | ₹35.34 | ₹31.31 | ₹32.36 | -6.90% | |
| ₹36.50 | ₹36.50 | ₹32.55 | ₹33.72 | -7.62% |
AI Research Briefing
Powered by Gemini · 2026-04-10
Sera Investments is a micro-cap NBFC; Q3 results look great, but sustainability is a question.
WHAT'S HAPPENING NOW
Sera Investments & Finance reported exceptional Q3FY26 results. Net profit reached s, a significant turnaround from a loss of s in Q3FY25. Revenue surged to s from s year-on-year. For the nine-month period, net profit stood at s compared to s in the previous year, with revenue growing by 220.78% to s. The company also appointed Sakshi Patel as Company Secretary and Compliance Officer on January 10, 2026.
CORE STORY
Sera is being priced as a high-growth microfinance lender, benefiting from the expansion of the NBFC sector in India and its focus on retail and MSME loans. The market is focused on its ability to sustain its high growth rates and improve profitability.
- Exceptional Q3FY26 results with significant profit turnaround
- Strong revenue growth of 4,986.14% year-on-year
- Improved expense management, reducing total expenses by 73.77%
- Sustained high growth in subsequent quarters
- Improvement in ROCE and ROE
- New order wins or strategic partnerships
- Micro/SME cap exposes to liquidity risk
- Negative ROCE and modest ROE raise concerns about long-term sustainability
- Downgrade in quality grade from 'good' to 'average' by MarketsMojo
FII decreased stake by 11.98%
NBFC sector is expanding, driven by digital adoption and retail lending.
Free Cash Flow 5Y: ₹-12.58 Cr
Monitor for sustained growth and profitability in the next 2-3 quarters. Key is improving ROCE and ROE to justify current valuation.
Primary Thesis Risk
Sustainability of high growth and profitability is unproven.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Sera Investments & Finance Inc Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Sera Investments & Finance Inc Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SERA across key market metrics for learning purposes.
Positive Indicators
14 factors identified
Strong Return on Equity (18.10%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Excellent ROCE Performance (21.12%)
Observation: Superior returns on capital employed across business operations.
Analysis: ROCE >15% demonstrates efficient capital deployment and strong operational performance.
Strong Operating Margins (84.16%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 5.05 vs Industry: 22.18)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (1386.11%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (1754.42%)
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 (199.11% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (128.04% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (175.35% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Interest Coverage (46.89x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
Strong Cash Generation (₹42.23 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 (58.16%)
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
2 factors identified
Limited Institutional Interest (FII+DII: 4.12%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
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.
Sera Investments & Finance Inc vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Sera Investments & Finance Inc with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
78.9/100 | ₹39.02₹39 | ₹268.52₹268.52 | 5.05Average 5.0 Average | 18.10%Good 18.10% Good | 21.12%Excellent 21.12% Excellent | 0.00Excellent 0.0 Excellent | 175.35%Excellent 175.35% Excellent | 199.11%Excellent 199.11% Excellent | 0.00% | |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
Sera Investments & Finance Inc Quarterly Performance
Latest quarterly metrics for SERA — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
1754.42%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
1386.11%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
199.11%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
175.35%
Compounded annual net profit growth over 5 years
Sera Investments & Finance Inc Technical Indicators
SMA 50, SMA 200, RSI and volume signals for SERA — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Sera Investments & Finance Inc Financial Statements
Annual income statement, balance sheet and cash flow for Sera Investments & Finance Inc (SERA) — sourced from NSE/BSE filings.
Loading Financial Statements...
Fetching financial data for Sera Investments & Finance Inc
About SERA (Sera Investments & Finance Inc)
Sera Investments & Finance Inc (SERA) is a Non-Banking Financial Company (NBFC) dedicated to facilitating financial empowerment through strategic investment and tailored financing ...solutions. As an NBFC, SERA operates within the financial sector, providing essential services that complement traditional banking institutions. We specialize in creating opportunities for individuals and businesses to achieve their financial aspirations. We are committed to upholding the highest standards of ethical conduct and regulatory compliance, ensuring transparency and accountability in all our interactions. Our dedication to excellence drives us to continually innovate and adapt to the changing needs of the financial landscape. SERA stands as a reliable partner for those seeking personalized financial guidance and support. SERA focuses on delivering a diverse range of financial products designed to meet the unique needs of our clients. Our offerings include customized financing solutions for both individuals and Micro, Small, and Medium Enterprises (MSMEs). We aim to bridge the gap in access to capital, empowering individuals to pursue their dreams and enabling MSMEs to thrive and contribute to economic growth. We offer a loan against securities (LAS) as one of the offerings. This allows clients to leverage their existing assets for immediate financial needs. SERA prioritizes understanding the distinct circumstances of each client, allowing us to create bespoke solutions that align with their financial objectives. We operate with a client-centric approach and believe in building long-term relationships based on trust and mutual success. Based out of India, SERA Investments & Finance Inc has grown with a solid foundation. We've adapted to the changing financial environment, and our commitment to providing valuable financial services has become the cornerstone of our operations. We are continuously evolving to meet the dynamic needs of our clients and the ever-changing financial landscape. With a forward-looking approach, SERA remains dedicated to expanding its reach and impact, playing a vital role in fostering financial inclusion and driving economic development. We are committed to operating responsibly and contributing positively to the communities we serve. SERA's success is rooted in our unwavering dedication to our clients' financial well-being.
Company Details
Key Leadership
Corporate Events
Latest News
SERA Share Price: Frequently Asked Questions
What is the current share price of Sera Investments & Finance Inc?
Sera Investments & Finance Inc (SERA) trades at ₹39.02 on NSE and BSE. Market cap ₹268.52 (Cr). Educational data only.
What is the P/E ratio of Sera Investments & Finance Inc?
Sera Investments & Finance Inc has a P/E of 5.05x vs industry average 22.18x.
What is the Bull Run score for Sera Investments & Finance Inc?
Sera Investments & Finance Inc has a Bull Run score of 78.9/100 based on 25+ financial parameters.
Does Sera Investments & Finance Inc pay dividends?
Sera Investments & Finance Inc has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Sera Investments & Finance Inc?
Sera Investments & Finance Inc has ROE of 18.10%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Sera Investments & Finance Inc?
Sera Investments & Finance Inc has debt-to-equity of 0.00.
Is Sera Investments & Finance Inc a good investment?
Bull Run gives Sera Investments & Finance Inc a score of 78.9/100. This is not investment advice — consult a SEBI-registered advisor.