SSDL

Saraswati Saree Depot Limited

Wholesale distributor of sarees and ethnic wear through B2B dealer network

Consumer Discretionary›Textiles›Textiles & Apparels›Garments & Apparels

saraswatisareedepot.com

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Key metrics

Price as of 2026-10-16

Stock price

₹68.46

Market cap

271 Cr

Stock P/E

11.5

P/B

1.39

Dividend yield

2.2%

ROE (FY24)

45.5%

ROCE (FY24)

38.6%

Operating margin (FY24)

6.5%

Debt / equity (FY24)

0.67

OCF / EBITDA (FY26)

112.3%

OCF / EBITDA (3Y)

26.1%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

SSDL (Saraswati Saree Depot) is a Kolhapur-based wholesaler of sarees and other women's ethnic wear, buying from over 900 weavers and suppliers across India and selling to more than 13,000 retailers, mainly in western and southern India.

Company snapshot

18thBy market cap

Ranked among 31 companies in Garments & Apparels.

What we see

Positives

✓Interest coverage of 16.0x — earnings comfortably cover interest obligations.

Concerns

✗Only 26% of operating profit came in as cash over the last three years — much of it is tied up in unpaid bills or stock.

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Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

Metric	Jun 2024	Sept 2024	Dec 2024	Mar 2025	Jun 2025	Sept 2025	Dec 2025	Mar 2026	Jun 2026
Sales	130 Cr	165 Cr	182 Cr	136 Cr	145 Cr	208 Cr	144 Cr	134 Cr	148 Cr
Operating expenses (approx.)	123 Cr	152 Cr	169 Cr	127 Cr	136 Cr	194 Cr	140 Cr	129 Cr	140 Cr
EBITDA	8 Cr	12 Cr	13 Cr	9 Cr	9 Cr	14 Cr	5 Cr	4 Cr	8 Cr
OPM %	6.0%	7.5%	7.0%	6.7%	6.2%	6.7%	3.3%	3.2%	5.3%
Other income	0.71 Cr	0.75 Cr	1 Cr	0.96 Cr	0.89 Cr	1 Cr	0.90 Cr	2 Cr	1 Cr
Interest	0.65 Cr	0.40 Cr	0.95 Cr	-0.95 Cr	0.26 Cr	0.28 Cr	0.24 Cr	0.22 Cr	0.01 Cr
Depreciation	0.20 Cr	0.23 Cr	3 Cr	1 Cr	1 Cr	1 Cr	1 Cr	1 Cr	0.52 Cr
Profit before tax	8 Cr	13 Cr	10 Cr	10 Cr	9 Cr	14 Cr	4 Cr	4 Cr	9 Cr
Tax %	22.3%	24.8%	24.3%	28.6%	26.1%	24.9%	24.2%	23.9%	25.9%
Net profit	6 Cr	10 Cr	8 Cr	7 Cr	6 Cr	11 Cr	3 Cr	3 Cr	7 Cr
EPS (₹)	₹1.84	₹2.42	₹1.99	₹1.77	₹1.61	₹2.65	₹0.81	₹0.82	₹1.70

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

Metric	Mar 2024	Mar 2025	Mar 2026	TTM
Sales	611 Cr	614 Cr	631 Cr	Sign in free for the trailing twelve months
Operating expenses (approx.)	570 Cr	571 Cr	599 Cr	Sign in free for the trailing twelve months
EBITDA	40 Cr	42 Cr	32 Cr	Sign in free for the trailing twelve months
OPM %	6.6%	6.9%	5.1%	Sign in free for the trailing twelve months
Other income	2 Cr	4 Cr	5 Cr	Sign in free for the trailing twelve months
Interest	2 Cr	1 Cr	1 Cr	Sign in free for the trailing twelve months
Depreciation	0.98 Cr	5 Cr	6 Cr	Sign in free for the trailing twelve months
Profit before tax	39 Cr	41 Cr	31 Cr	Sign in free for the trailing twelve months
Tax %	25.0%	25.1%	25.0%	Sign in free for the trailing twelve months
Net profit	30 Cr	31 Cr	23 Cr	Sign in free for the trailing twelve months
EPS (₹)	₹8.92	₹7.72	₹5.89	Sign in free for the trailing twelve months
Dividend payout %	—	29.4%	25.2%	Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

Metric	Mar 2024	Mar 2025	Mar 2026
Equity capital	33 Cr	40 Cr	40 Cr
Reserves	32 Cr	138 Cr	155 Cr
Borrowings	43 Cr	4 Cr	—
Other liabilities	98 Cr	108 Cr	92 Cr
Total liabilities	206 Cr	290 Cr	287 Cr
Fixed assets (net)	3 Cr	7 Cr	7 Cr
CWIP	—	—	—
Investments	4 Cr	8 Cr	8 Cr
Inventories	108 Cr	125 Cr	121 Cr
Trade receivables	75 Cr	85 Cr	72 Cr
Cash & bank	10 Cr	47 Cr	70 Cr
Other assets	6 Cr	18 Cr	9 Cr
Total assets	206 Cr	290 Cr	287 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

Metric	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	-9 Cr	2 Cr	36 Cr
Cash from investing	-0.23 Cr	-8 Cr	-0.66 Cr
Cash from financing	-0.41 Cr	42 Cr	-12 Cr
Net cash flow	-9 Cr	37 Cr	23 Cr
Free cash flow (OCF − Capex)	-9 Cr	2 Cr	34 Cr

Ratios

Metric	Mar 2023	Mar 2024
ROCE %	45.2%	38.6%
ROE %	64.9%	45.5%
Debtor days	40	45
Inventory days	56	64
Days payable	66	57
Cash conversion cycle	30	53
OCF / EBITDA %	103.3%	-21.1%
Debt / equity	1.17	0.67
Current ratio	1.19	1.41
Net debt / EBITDA	0.66	0.83