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SARV.CM — — Consumer Lending

Sarvodaya Development Finance PLC

$40,30
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Mcap
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P/E
—
EV / Rev
—
Div yield
4,95 %
Op margin
25,8 %
ROE
11,4 %
Net margin
10,4 %
Debt / equity
4,66
Beta
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52w range
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Volume
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Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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TR 1Y
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About

Sarv.CM operates in the consumer lending industry, providing financial services to individuals and small businesses, primarily through loan products and credit solutions.

Business. SARV.CM operates in the Consumer Lending industry within the broader Banking & Investment Services sector. The company generates revenue primarily through a fee-income model associated with banking activities. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data. Consequently, the business is described at the industry level without geographic or segment-specific breakdowns.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
Upcoming events
— missing data
See all catalysts →

At a glance

Score
—
not yet scored
Valuation
—
valuation pending
Analysts
—
not yet wired
Ownership
—
not yet wired
Profitability→
11,4 %
return on equity
Quality
—
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning SARV.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to SARV.CM. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    SARV.CM operates in the Consumer Lending industry within the broader Banking & Investment Services sector. The company generates revenue primarily through a fee-income model associated with banking activities. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data. Consequently, the business is described at the industry level without geographic or segment-specific breakdowns.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryConsumer Lending
    ActivityBanking
    AI synthesis
    GENERATED

    Sarv.CM maintains a capital structure with a debt-to-equity ratio of 4.66, indicating a significant reliance on debt financing. The company's liquidity position is assessed as medium, with negative net cash after subtracting total debt, suggesting potential short-term liquidity constraints. The return on equity of 11.43% is a strong indicator of efficient use of shareholders' equity, though the return on assets of 2% suggests that asset utilization is not as effective.

    In terms of profitability, Sarv.CM's net income of 450,859,350 LKR and operating income of 1,116,226,730 LKR reflect a healthy bottom-line performance. However, the company's gross profit margin of 67.9% (calculated from gross profit of 2,941,083,550 LKR on revenue of 4,331,794,710 LKR) is a key metric to compare against the industry median to assess competitive positioning.

    The company's revenue is concentrated in a single business segment, with no disclosed geographic diversification. This lack of diversification could expose the company to regional economic downturns or regulatory changes that may impact its primary market. The absence of segment or geographic breakdown in the financial data limits the ability to assess risk exposure across different markets.

    Sarv.CM's growth trajectory is not explicitly detailed in the provided data, but the company's operating cash flow of -3,738,781,110 LKR indicates a cash outflow from operations, which may signal reinvestment or debt servicing activities. The free cash flow of 402,139,070 LKR suggests the company is generating positive cash after capital expenditures, which could be used for dividends, debt reduction, or further investment.

    The risk assessment highlights a medium liquidity risk, primarily due to the negative net cash position after total debt. The dilution risk is assessed as low, with no significant dilution potential in the near term. The company's capital structure and financial leverage are key factors to monitor for potential dilution pressures. The absence of recent events or filings in the provided data does not allow for an assessment of any recent strategic or operational developments.

    The company's financial performance and risk profile suggest a need for continued monitoring of liquidity and debt management strategies. The strong return on equity is a positive sign, but the company must address the negative operating cash flow to ensure long-term sustainability.

    Key takeaways
    • Sarv.CM has a strong return on equity of 11.43%, indicating efficient use of shareholders' equity.
    • The company's debt-to-equity ratio of 4.66 suggests a high reliance on debt financing.
    • The negative operating cash flow of -3,738,781,110 LKR indicates potential liquidity constraints.
    • The company's revenue is concentrated in a single business segment, with no geographic diversification disclosed.
    • The liquidity risk is assessed as medium, with a low dilution risk in the near term.
    • "margin_outlook_rationale": "The company's gross profit margin of 67.9% is a key indicator of its pricing power and cost control, which will influence future profitability.",

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $40,30
    Market cap
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    Enterprise valueⓘ
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    P/Eⓘ
    —
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    —
    EV / Op incomeⓘ
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    EV / OCFⓘ
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    P / Bⓘ
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    P / Tangible bookⓘ
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    Tangible book
    $3.94B
    Net cashⓘ
    -$18.37B
    Current ratioⓘ
    —
    Debt / equityⓘ
    4.7
    ROAⓘ
    2.0%
    ROEⓘ
    11.4%
    Cash conversionⓘ
    -829.0%
    CapEx / revenueⓘ
    -2.2%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Op Margin25,8 %Below median
    Net Margin10,4 %Below median
    ROE11,4 %Above P75
    Capex / Rev-2,2 %Below median
    D/E4,66Bottom quartile
    Cash Conv-8,29Bottom quartile

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Capex To Revenue
      capital_expenditure / revenue
    • Return On Equity
      net_income / total_equity
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    Source documents
    • SARV.CM Market data — financials · 2026-05-29

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    SARV.CMCanonical
    — · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    — missing data
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage