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SP Capital Financing Ltd (530289)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 530289 NSE: Finance - NBFC | Small Cap | SP Capital Financing Share Price

₹55.51 0.00 (0.00%)

As on 01-Jun'26 16:59

SP Capital Financing Ltd (530289)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 530289 NSE: Finance - NBFC | Small Cap | SP Capital Financing Share Price

₹55.51 0.00 (0.00%)

As on 01-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹33 Cr.
Current Price
₹55.5
52-Week Low / High
₹42 / 77
TTM EPS
₹5.8
Book Value per Share
₹38.7
P/E Ratio
9.53
Lower than its 5-year historical median
Industry PE
25.6
Price to Book (P/B)
1.43
Higher than its 5-year historical median
EV/EBITDA
14.76
Higher than its 5-year historical median
Dividend Yield
3.16%
Profitability Efficiency
Return on Equity (ROE)
4.22%
Return on Capital Employed (ROCE)
4.47%
Return on Assets (ROA)
0.90%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
66.23%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
1.45%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹10.5 Cr.
Reserves
₹17 Cr.
Equity
₹6 Cr.
Face Value
₹10
All Time Low / High
₹2.00 / 139.90

SP Capital Financing stock performance

Key Ratios
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M-Cap below 100cr DeciZen not available

Q.1 Is SP Capital Financing Ltd a good quality company?
SP Capital Financing Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does SP Capital Financing Ltd performance compare with that of its Peers?
Q.1 AUM Growth of SP Capital Financing Ltd vs Industry Peers?
SP Capital Financing Ltd AUM CAGR is 55.92%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.
Q.1 Promoter shareholding and pledge status of SP Capital Financing Ltd?
Promoters hold 70.91% of the SP Capital Financing Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of SP Capital Financing Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 6.5% based on the current price.

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
SP Capital Financing Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)2.81.51.82.52.50.50.81.62.65.511
YoY Gr. Rt. %--44.6%16.4%41.4%-1.7%-79.7%67.6%86.2%62.5%115.1%-
Adj EPS (₹ ) 0.20.30.50.30.39.12.40.80.91.55.8
YoY Gr. Rt. %-100%52.9%-51.9%8%3251.9%-73.8%-66.2%17.5%59.6%-
BVPS (₹ )2020.320.921.121.430.432.331.535.335.838.7
YoY Gr. Rt. %-1.7%2.6%1.3%1.1%42.3%6.2%-2.3%12%1.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.81.72.51.21.234.16.61.710.90

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income7.9%17.2%86.7%115.1%
Adj EPS27.4%40.9%-14.1%59.6%
BVPS6.7%10.9%3.5%1.5%
Share Price 6% 24.1% 50.1% 26.2%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)3.713.317.55.96.61082.4169.130.622.116.533.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.91.72.51.21.3357.62.52.84.215.2

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 2.791.532.192.532.495.852.361.572.555.62
Interest Income2.771.531.782.522.480.500.841.572.555.49
Other Income 00.0200000000.03
Exceptional Items 0.0200.400.0105.351.52000.13
Expenditure + 2.641.231.772.322.260.380.520.941.814.10
Interest Expense 0000.080.010.090.110.291.022.93
Operating Expenses 2.641.221.772.242.250.300.410.640.801.13
Provisions 00.0200000000.03
Exceptional Items 0000000000
Profit Before Tax 0.150.300.420.210.225.471.840.640.741.52
Taxes 0.040.100.100.060.060.030.410.150.170.62
Profit After Tax 0.100.200.310.150.165.441.430.480.560.90
Adjusted EPS (₹)0.20.30.50.30.39.12.40.80.91.5
Dividend Payout Ratio (%)0%0%0%0%0%5.50%0%218.80%106.70%99.90%

Valuation of SP Capital Financing - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +12.0312.2312.5412.7012.8418.2719.4018.9521.2221.53
Share Capital 6.016.016.016.016.016.016.016.016.016.01
Reserves 6.016.226.536.696.8312.2613.3912.9415.2015.51
Short term borrowings0000.320.260.034.9114.2655.88100.30
Long Term Borrowings0000-0.01-0.010-0.090.910.60
Current Liabilities 0.170.210.220.500.530.315.3714.5856.24101.01
Trade Payables00000.0100000
Other Liabilities00-0-0.32-0.27-0.03-4.92-14.26-55.88-100.30
Total Liabilities 12.1912.4412.7613.2013.3618.5724.7733.4478.36123.13

Assets

Non Current Asset +2.582.982.582.602.612.677.4031.3600
Loan Asset 0000000000
Other Non Current Asset 2.582.982.582.602.612.677.4031.3600
Current Asset +9.629.4610.1810.6010.7515.9017.372.0878.36123.13
Current Investment0000000069.33121.02
Other Current Asset9.629.4610.1810.6010.7515.9017.372.089.032.11
Total Assets 12.1912.4412.7613.2013.3618.5724.7733.4478.36123.13

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity 0.141.08-1.230.83-0.30-2.872.0410.401.121.36
Cash Flow From Investing Activity 000000-3.25-23.77-35.89-50.56
Cash Flow From Financing Activity -0.06000.32-0.06-0.234.598.9042.1342.32
Net Cash Flow 0.081.08-1.231.15-0.36-3.103.37-4.477.35-6.88

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)0.200.300.500.300.309.102.400.800.901.50
DPS (₹)000000.5001.8011.50
BVPS (₹)2020.320.921.121.430.432.331.535.335.8

Performance Ratios

ROA (%)0.81.72.51.21.234.16.61.71.00.9
ROE (%)0.91.72.51.21.335.07.62.52.84.2
ROCE (%)1.22.53.42.31.835.49.23.23.24.5

Valuation Parameters

Price/Book(x)1.01.01.20.70.70.50.60.50.71.3

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

SP Capital Financing Ltd FAQs

The current trading price of SP Capital Financing on 01-Jun-2026 16:59 is ₹55.51.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-May-2026 the market cap of SP Capital Financing stood at ₹33.37 Cr

The latest P/E ratio of SP Capital Financing as of 31-May-2026 is 9.53.

The latest P/B ratio of SP Capital Financing as of 31-May-2026 is 1.43.

The 52-week high of SP Capital Financing is ₹76.79 and the 52-week low is ₹41.56.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of SP Capital Financing is ₹10.52 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that SP Capital Financing Ltd is a below average quality company.

The key valuation ratios of SP Capital Financing Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of SP Capital Financing Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About SP Capital Financing Ltd

SP Capital Financing, incorporated in March 1983, is a financial consultancy provider. It offers services like preparation of Feasibility Report, Project Report and Syndication of Project Finance from Financial Institutions and Banks.

The company has reported fall in net profit by 33.33% to Rs 0.06 crore in the quarter ended September 2011 as against Rs 0.09 crore during the previous quarter ended September 2010. It also reported huge decline it sales by 91.41% to Rs 0.11 crore in the quarter ended September 2011 as against Rs 1.28 crore during the previous quarter last fiscal.

The registered office is located at 908, Dalamal Towers, 211, Nariman Point Mumbai - 400021.

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About MoneyWorks4Me

MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

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