SSPN Finance Ltd
₹ 8.70
4.82%
25 Sep
- close price
About
Incorporated in 2012, SSPN Finance Ltd is
involved in the financial consultancy and advisory.[1]
Key Points
- Market Cap ₹ 3.29 Cr.
- Current Price ₹ 8.70
- High / Low ₹ 10.6 / 6.35
- Stock P/E 329
- Book Value ₹ 11.6
- Dividend Yield 0.00 %
- ROCE 1.55 %
- ROE 0.23 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.75 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
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 | 0.21 | |
| Operating Profit | 0.09 | 0.16 | 0.13 | 0.17 | 0.20 | 0.16 | 0.08 | 0.10 | 0.08 | 0.10 | 0.11 | 0.10 |
| OPM % | 19.57% | 38.10% | 28.26% | 36.17% | 45.45% | 42.11% | 21.62% | 24.39% | 30.77% | 38.46% | 36.67% | 32.26% |
| 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 | 0.01 |
| 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: | -4% |
| 3 Years: | 11% |
| 1 Year: | 13% |
| 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/EBITDA Share of operating profit converting into cash: CFO (before tax) / Operating Profit | -2,078% | -462% | 592% | -135% | 185% | 362% | 225% | -260% | 100% | -30% | -55% | 30% |
Ratios
| 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 | 7,594.35 |
| ROCE % | 0.75% | 2.88% | 2.37% | 3.44% | 4.23% | 3.76% | 1.86% | 2.06% | 1.65% | 1.81% | 1.93% | 1.55% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Book (Loans and Advances) INR |
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| Non-Current Investments (Equity Portfolio) INR |
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Documents
Announcements
-
Board Meeting Intimation for Intimation Of Board Meeting To Be Held On 15Th October, 2026.
- Board meeting on 15 Oct 2026 to consider name change, object change, and MOA/AOA amendments.
-
Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
- AGM scrutinizer's report submitted; all three resolutions passed on 30 September 2026.
-
Shareholder Meeting / Postal Ballot-Outcome of AGM
- 13th AGM held on 30 Sep 2026 approved FY26 accounts and reappointed two directors.
-
Notice Of Annual General Meeting
- SSPN Finance schedules its 13th AGM on 30 September 2026; share transfer books close 23-30 September.
-
Reg. 34 (1) Annual Report.
- Annual report for FY2025-26 filed; AGM on 30 September 2026, with board reappointments and book closure.
Annual reports
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Annual Report 2026
from bse
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Annual Report 2025
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
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Annual Report 2020
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Annual Report 2019
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
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Annual Report 2015
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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.