SSPN Finance Ltd

SSPN FINANCE Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

SSPN Finance Ltd

₹ 10.1 -4.91%
08 Jun - close price
sspn.co.in BSE - SME: 539026
About

Incorporated in 2012, SSPN Finance Ltd is
involved in the financial consultancy and advisory.[1]

Key Points

Business Overview:[1][2]
SSPNFL provides micro to small-ticket secured and unsecured loans to support small vendors and business owners. Its income primarily comes from lending to individuals and companies at board-approved interest rates, offering multiple financial products and services.

Website BSE
  • Market Cap ₹ 3.81 Cr.
  • Current Price ₹ 10.1
  • High / Low ₹ 10.6 / 4.50
  • Stock P/E 381
  • Book Value ₹ 11.6
  • Dividend Yield 0.00 %
  • ROCE 1.71 %
  • ROE 0.23 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.86 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -3.48% over past five years.
  • Company has a low return on equity of 0.23% over last 3 years.
  • Company might be capitalizing the interest cost
  • Company has high debtors of 648 days.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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Half Yearly Results

Figures in Rs. Crores

Mar 2020 Sep 2020 Mar 2021 Sep 2021 Mar 2022 Sep 2022 Mar 2023 Sep 2023 Mar 2024 Sep 2024 Mar 2025 Sep 2025 Mar 2026
0.18 0.21 0.17 0.19 0.22 0.14 0.12 0.09 0.26 0.14 0.16 0.17 0.15
0.15 0.08 0.22 0.17 0.17 0.12 0.15 0.08 0.16 0.08 0.10 0.11 0.09
Operating Profit 0.03 0.13 -0.05 0.02 0.05 0.02 -0.03 0.01 0.10 0.06 0.06 0.06 0.06
OPM % 16.67% 61.90% -29.41% 10.53% 22.73% 14.29% -25.00% 11.11% 38.46% 42.86% 37.50% 35.29% 40.00%
0.01 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.09 0.05 0.05 0.05 0.05
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax 0.04 0.13 -0.05 0.02 0.05 0.02 -0.02 0.01 0.01 0.01 0.01 0.01 0.01
Tax % 25.00% 15.38% 0.00% 50.00% 20.00% 50.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.03 0.11 -0.05 0.02 0.04 0.01 -0.02 0.01 0.01 0.01 0.00 0.01 0.01
EPS in Rs 0.08 0.29 -0.13 0.05 0.11 0.03 -0.05 0.03 0.03 0.03 0.00 0.03 0.03
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.46 0.42 0.46 0.47 0.44 0.38 0.37 0.41 0.26 0.26 0.30 0.31
0.37 0.26 0.33 0.30 0.24 0.22 0.29 0.31 0.18 0.16 0.19 0.20
Operating Profit 0.09 0.16 0.13 0.17 0.20 0.16 0.08 0.10 0.08 0.10 0.11 0.11
OPM % 19.57% 38.10% 28.26% 36.17% 45.45% 42.11% 21.62% 24.39% 30.77% 38.46% 36.67% 35.48%
0.00 0.00 0.00 0.00 -0.01 0.01 0.00 0.00 0.01 0.00 0.00 0.00
Interest 0.02 0.00 0.00 0.00 0.07 0.02 0.00 0.03 0.09 0.09 0.10 0.09
Depreciation 0.06 0.02 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax 0.01 0.14 0.11 0.15 0.12 0.15 0.08 0.07 0.00 0.01 0.01 0.02
Tax % 100.00% 35.71% 27.27% 26.67% 33.33% 26.67% 25.00% 28.57% 0.00% 0.00% 0.00%
0.01 0.09 0.08 0.12 0.08 0.11 0.06 0.05 0.00 0.01 0.01 0.01
EPS in Rs 0.03 0.24 0.21 0.32 0.21 0.29 0.16 0.13 0.00 0.03 0.03 0.03
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: -3%
5 Years: -3%
3 Years: 6%
TTM: 3%
Compounded Profit Growth
10 Years: -20%
5 Years: -30%
3 Years: %
TTM: 0%
Stock Price CAGR
10 Years: 1%
5 Years: -1%
3 Years: 20%
1 Year: 39%
Return on Equity
10 Years: 1%
5 Years: 0%
3 Years: 0%
Last Year: 0%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 1.89 1.89 1.89 1.89 1.89 3.79 3.79 3.79 3.79 3.79 3.79 3.79
Reserves 1.89 1.98 2.06 2.16 2.24 0.46 0.52 0.58 0.58 0.59 0.60 0.62
0.67 1.39 0.08 0.64 0.63 0.03 0.03 1.00 1.18 1.12 1.51 2.56
0.05 0.36 0.58 0.19 0.18 0.74 0.75 0.83 0.77 0.71 0.63 0.10
Total Liabilities 4.50 5.62 4.61 4.88 4.94 5.02 5.09 6.20 6.32 6.21 6.53 7.07
0.03 0.02 0.02 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.24 0.24 0.04 0.04 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48
4.23 5.36 4.55 4.82 4.45 4.53 4.60 5.71 5.83 5.72 6.04 6.58
Total Assets 4.50 5.62 4.61 4.88 4.94 5.02 5.09 6.20 6.32 6.21 6.53 7.07

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-1.91 -0.78 0.77 -0.23 0.37 0.58 0.18 -0.26 0.08 -0.03 -0.06 0.03
-0.24 0.00 0.00 0.00 -0.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.95 0.84 -1.05 0.42 -0.01 -0.61 0.00 0.00 0.00 0.00 0.00 0.00
Net Cash Flow -1.20 0.07 -0.28 0.19 -0.08 -0.03 0.18 -0.26 0.08 -0.03 -0.06 0.03
Free Cash Flow -1.91 -0.78 0.77 -0.23 0.37 0.58 0.18 -0.26 0.08 -0.03 -0.06 0.03
CFO/OP -2,078% -462% 592% -135% 185% 362% 225% -260% 100% -30% -55% 27%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 0.00 0.00 0.00 155.32 0.00 797.24 463.65 614.27 1,080.96 1,066.92 936.83 647.58
Inventory Days
Days Payable
Cash Conversion Cycle 0.00 0.00 0.00 155.32 0.00 797.24 463.65 614.27 1,080.96 1,066.92 936.83 647.58
Working Capital Days 87.28 -1,477.38 -357.07 -473.72 -630.45 3,534.74 3,511.89 4,326.59 6,977.12 6,920.96 6,582.17 4,580.16
ROCE % 0.75% 2.88% 2.37% 3.44% 4.23% 3.76% 1.86% 2.06% 1.65% 1.81% 1.93% 1.71%

Insights

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Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Authorized Share Capital
INR

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Loan Portfolio / Total Loans Given
INR
Number of Branches
Number

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Shareholding Pattern

Numbers in percentages

Sep 2020Mar 2021Sep 2021Mar 2022Sep 2022Mar 2023Sep 2023Mar 2024Sep 2024Mar 2025Sep 2025Mar 2026
39.88% 28.26% 24.24% 24.24% 17.90% 9.14% 6.60% 6.60% 0.00% 0.00% 0.00% 0.00%
60.12% 71.74% 75.76% 75.76% 82.09% 90.86% 93.39% 93.42% 100.01% 100.02% 100.01% 100.01%
No. of Shareholders 109134165189199192187200199207202203

Documents

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