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Suvifin Credit Solutions Ltd (538647) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

BSE: 538647 NSE: | Finance - NBFC | Small Cap

Suvifin Credit Sol Share Price

40.05 2.65 (7.09%)
As on 17-Apr'26 16:59

Suvifin Credit Solutions Ltd (538647)

BSE: 538647 NSE:
Key Metrics
Market Cap
₹30 Cr.
Earnings Per Share (TTM)
₹1.06
P/E Ratio
37.82
Price to Book (P/B)
0.51
EV/EBITDA
8.10
Current Price
₹40.1
Return on Capital Employed (ROCE)
3.03%
Return on Equity (ROE)
-0.77%
Return on Assets (ROA)
-0.43%
Gross NPA(%)
0.00
Book Value per Share
₹79.1
Net NPA(%)
0.00
Dividend Yield
0.00%
Net Interest Income Growth (1 Year)
-93.64%
Net Interest Income Growth (3 Years)
-54.64%
52-Week Low / High
₹30 / 47
Book Value Growth (1 Year)
23.42%
Book Value Growth (3 Years)
16.42%

DeciZen - make an informed investing decision on Suvifin Credit Sol

Based on:

M-Cap below 100cr DeciZen not available

Suvifin Credit Solutions stock performance

Key Ratios
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Is Suvifin Credit Solutions Ltd an attractive stock to invest in?

1. Is Suvifin Credit Solutions Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Suvifin Credit Solutions Ltd is a below average quality company.

2. Is Suvifin Credit Solutions Ltd undervalued or overvalued?

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

3. Is Suvifin Credit Solutions Ltd a good buy now?

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

10 Year X-Ray :

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.
Suvifin Credit Solutions 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.)3.213.127.722.212.94.454.515.779.27.711
YoY Gr. Rt. %-305%111.8%-19.9%-41.7%-65.8%1133%-71.1%403.2%-90.3%-
Adj EPS (₹ ) -1.40.40.30.40.40.96.80.613.3-0.51.1
YoY Gr. Rt. %-NA-23.3%12.1%-2.7%150%651.1%-91.3%2157.6%-103.8%-
BVPS (₹ )46.747.147.44747.248.148.74462.376.879.1
YoY Gr. Rt. %-0.9%0.7%-1%0.5%1.9%1.2%-9.6%41.4%23.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)-2.20.80.70.70.71.46.10.49.8-0.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income10.1%-10%-48%-90.3%
Adj EPSNA-206.8%-142%-103.8%
BVPS5.7%10.2%16.4%23.4%
Share Price 23.6% 40.3% 17.9% -5.7%

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 (%)-26.22.10.811.812.87.82.410.6-4.87.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)-2.80.90.70.80.81.9141.325.1-0.81.3

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to 1.40%

Total Income has declined 13.50 CAGR in last 3 years

Net Profit has declined -141.98 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials

Standalone Consolidated
TTM EPS (₹) 1.1 0
TTM Sales (₹ Cr.) 10.7 0.5
BVPS (₹) 79.1 0
Reserves (₹ Cr.) 51 27
P/BV 0.51 0.00
PE 37.82 1926.51
From the Market
52 Week Low / High (₹) 30.00 / 46.83
All Time Low / High (₹) 3.33 / 63.60
Market Cap (₹ Cr.) 29.7
Equity (₹ Cr.) 7.4
Face Value (₹) 10
Industry PE 29.3

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 (%)

Valuation of Suvifin Credit Sol - Standalone Basis

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!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 3.2313.0927.7723.5212.994.5254.5015.8579.249.30
Interest Income3.2313.0827.7022.1812.934.4254.5015.7479.207.65
Other Income 0.810.010.010.180.331.305.509.606.504.20
Exceptional Items 00.010.071.340.070.1000.120.031.65
Expenditure + 4.0412.6927.4923.2112.693.7649.9615.4867.889.56
Interest Expense 0.1500.150.300.100.202.423.602.732.79
Operating Expenses 3.0812.6827.3322.7412.262.2642.042.2958.642.56
Provisions 0.810.010.010.180.331.305.509.606.504.20
Exceptional Items 0000-000000
Profit Before Tax -0.810.390.280.310.300.764.540.3711.36-0.26
Taxes 0.030.130.070.080.080.190.29-02.990.11
Profit After Tax -0.850.270.210.230.230.574.250.378.37-0.37
Adjusted EPS (₹)-1.40.40.30.40.40.96.80.613.3-0.5
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

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

Equity and Liabilities

Equity Capital +29.3329.6029.8129.5229.6730.2330.5927.6739.1157.03
Share Capital 6.286.286.286.286.286.286.286.286.287.42
Reserves 23.0523.3223.5323.2323.3823.9524.3121.3932.8349.61
Short term borrowings000.100.100.122154.8539.7634.9525.09
Long Term Borrowings-000.360.230.090.080.6415.729.890.46
Current Liabilities 6.110.853.301.440.3221.4256.9840.1338.2525.77
Trade Payables1.3003.071.180.0701.570.0100.06
Other Liabilities-1.30-0-3.17-1.28-0.19-21-56.42-39.76-34.95-25.15
Total Liabilities 35.4430.4633.4731.1930.0851.7388.2283.5287.2583.26

Assets

Non Current Asset +33.0624.5327.4028.2227.765061.1461.3069.0669.66
Loan Asset 00000000064.54
Other Non Current Asset 33.0624.5327.4028.2227.765061.1461.3069.065.12
Current Asset +2.385.926.082.972.311.7327.0822.2218.1913.61
Current Investment0000000000
Other Current Asset2.385.926.082.972.311.7327.0822.2218.1913.61
Total Assets 35.4430.4633.4731.1930.0851.7388.2283.5287.2583.26

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity 2.61-5.980.111.79-0.49-21.32-33.501.8211.066.90
Cash Flow From Investing Activity -1.788.52-2.89-1.530.260.70-0.950.20-0.61-4.81
Cash Flow From Financing Activity -0.7300.46-0.10-0.1120.8834.42-1.04-10.62-2.75
Net Cash Flow 0.102.54-2.320.15-0.340.25-0.040.97-0.18-0.66

Finance Ratio

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

Operational & Financial Ratios

EPS (₹)-1000017113-1
DPS (₹)0000000000
BVPS (₹)47474747474849446277

Performance Ratios

ROA (%)-2.20.80.70.70.71.46.10.49.8-0.4
ROE (%)-2.80.90.70.80.81.914.01.325.1-0.8
ROCE (%)-2.21.31.52.01.32.410.14.716.93.0

Valuation Parameters

Price/Book(x)0.10.30.70.20.20.20.40.50.50.5

Top 5 Mutual Funds Holding

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Announcements

Suvifin Credit Solutions Ltd FAQs

The current trading price of Suvifin Credit Sol on 17-Apr-2026 16:59 is ₹40.05.

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 16-Apr-2026 the market cap of Suvifin Credit Sol stood at ₹29.73 Cr

The latest P/E ratio of Suvifin Credit Sol as of 16-Apr-2026 is 37.82.

The latest P/B ratio of Suvifin Credit Sol as of 16-Apr-2026 is 0.51.

The 52-week high of Suvifin Credit Sol is ₹46.83 and the 52-week low is ₹30.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Suvifin Credit Sol is ₹10.66 ( Cr.) .

About Suvifin Credit Solutions Ltd

Purshottam Investofin Limited was incorporated in India on November 4, 1988 under the company’s act 1956. The company is registered with Reserve Bank of India (RBI) as a Non-Banking Financial Company dated May 14, 2003.

Business area of the company

The company is primarily engaged in the business of NBFC (Non-Accepting Public Deposits) activities.

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