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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Summit Securities Limited is an India-based non-banking financial company. The Company is engaged in the business of making investments in shares and securities. Its subsidiary is Instant Holdings Limited, which is engaged in investment activities.
A decent, fast-growing business, trading cheap versus its own history.
Summit Securities is scored on the nbfc / financials framework. It keeps a fat 72.6% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 42%/yr and profit at 41%/yr. Book value itself has compounded 19%/yr — the hallmark of a genuine compounder. Return on equity is a weak 1.6%.
At 14× earnings, the stock sits at the 2nd percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~1%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 11.52 | 10.88 | worse |
| P/B | 0.19 | — | — |
| EV/EBITDA | 8.91 | 14.13 | better |
| ROE | 1.61 | — | — |
| ROCE | 2.09 | — | — |
| ROA | 1.41 | — | — |
| Quick Ratio | 0.88 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 42% CAGR over 3 years — high-growth territory.
The latest year saw a +53% swing — check if it's a one-off or structural.
Operating margin has expanded from 93% to 97% — the business is keeping more of each rupee earned. The gap between operating and net margin is widening — interest or tax costs are rising.
ROE at 1% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
41% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 258% sequentially — momentum is building. Wide quarterly swings (90% spread) — likely seasonality, lumpy orders, or project-based revenue. Run-rate fading — recent quarters 63% below earlier ones.
1 of 4 quarters loss-making — quarterly profitability is uneven. Profit jumped 252% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (76% → 86%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 74.7% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.