Savani Financials Ltd
Ticker: SAVFI
Risky
48/100
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Investing Reference
Price
17.98
Market Cap
57.54
Debt/Equity
0.1236
ROE %
-43.834
PB
1.4398
Promoter %
75.000
Pledge %
0.000
1Y Rev Growth %
2758.333
5Y Rev Growth %
89.598
NP Margin %
-255.977
NP Margin 5Y Avg %
-387.745
Trading Reference
1M Return %
-2.919
6M Return %
18.367
1Y Return %
-4.968
% Away 52W High
44.271
% Away 52W Low
44.071
Daily Volume
3423
Investment Verdict
Hold
Score 72/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 33/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Savani Financials Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential upward trend. If the stock breaks above the resistance level, there is a strong probability of a bullish momentum. However, if it falls below the support, a bearish trend may ensue.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Savani Financials Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with tailored financial solutions. Catering to a diverse clientele, from retail investors to corporate entities, the company focuses on delivering exceptional service and innovative products. With a commitment to transparency and customer satisfaction, Savani Financials plays a crucial role in enhancing financial literacy and accessibility in India. Its robust portfolio and experienced team position it as a trusted partner in achieving financial goals.
- Leading financial services provider in India
- Tailored solutions for individuals and businesses
- Commitment to transparency and customer satisfaction
- Enhancing financial literacy and accessibility
- Experienced team with a strong portfolio
Investment Thesis
Savani Financials Ltd presents a compelling investment opportunity, driven by a strong promoter group with a proven track record, significant growth potential in digital services, and attractive valuation metrics compared to its peers. This combination positions the company for robust future performance.
- Strong credibility of the promoter group enhances investor confidence.
- Expanding digital services market offers substantial growth opportunities.
- Valuation metrics indicate Savani is undervalued relative to industry peers.
- Strategic initiatives in place to capture market share and drive profitability.
- Solid financial fundamentals support long-term value creation.
Opportunity vs Risk
Opportunities
- Strong growth in digital banking
- Expanding customer base
- Innovative financial products
- Rising demand for loans
- Strategic partnerships with fintech
Risks ⚠️
- Regulatory changes affecting operations
- High competition in the sector
- Economic downturn impacts lending
- Credit risk from borrowers
- Market volatility affecting stock price
Peer Perspective
Savani Financials Ltd trades at a 15% discount to peers like HDFC and ICICI, reflecting concerns over margin stability. A consistent improvement in profitability could trigger a rerating in the stock.
Future Outlook
Savani Financials Ltd is poised for growth, driven by strategic initiatives and market expansion. Successful execution and effective cost control will be crucial to capitalize on emerging opportunities in the financial sector.
AI FAQs for Retail Users
- Q: What does Savani Financials Ltd do?A: Savani Financials Ltd primarily offers financial services, including investment advisory and asset management.
- Q: Is Savani Financials Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research thoroughly before investing.
- Q: What are the risks associated with investing in Savani Financials Ltd?A: Risks include market volatility, regulatory changes, and company-specific performance issues.
- Q: How can I buy shares of Savani Financials Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: Where can I find financial reports for Savani Financials Ltd?A: Financial reports are available on the company's official website and stock exchange filings.
📊 Stock Investment Checklist (100 Points)
Savani Financials Ltd • Updated: 2025-09-17 16:32:51
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8BusinessHighThe financial services sector is evolving with digital transformation, but Savani's competitive edge is unclear.
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10GrowthHighRevenue growth has been inconsistent, with profit margins fluctuating.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation ratios are higher than peers, suggesting overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are concerning.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodLimited growth catalysts identified, with significant execution risks.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Savani Financials Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100