Supra Pacific Financial Services Ltd

Supra Pacific Financial Services Ltd

₹ 27.3 2.13%
06 Mar - close price
About

Incorporated in 1986, Supra Pacific Management Consultancy Ltd provides fund based services including two wheeler loans, gold loans, etc.[1]

Key Points

Registration:[1]
Company is a Non Systematically Important
Non-Deposit Taking Non-Banking Financial Corporation.

  • Market Cap 91.0 Cr.
  • Current Price 27.3
  • High / Low 41.0 / 22.8
  • Stock P/E 15.7
  • Book Value 23.3
  • Dividend Yield 0.73 %
  • ROCE 8.53 %
  • ROE 1.94 %
  • Face Value 10.0

Pros

  • Stock is trading at 1.17 times its book value
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 71.1% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 25.3%
  • Company has a low return on equity of 1.84% over last 3 years.

* 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.

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Quarterly Results

Figures in Rs. Crores

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
3.77 3.63 4.13 5.91 7.19 8.62 9.52 11.25 11.90 14.75 18.26 21.78 24.33
Interest 1.31 1.51 1.66 2.14 2.49 2.92 3.33 4.25 4.50 6.09 6.40 8.08 9.84
1.58 1.61 2.73 2.87 3.31 4.37 5.08 5.80 6.08 7.04 9.18 10.61 10.97
Financing Profit 0.88 0.51 -0.26 0.90 1.39 1.33 1.11 1.20 1.32 1.62 2.68 3.09 3.52
Financing Margin % 23.34% 14.05% -6.30% 15.23% 19.33% 15.43% 11.66% 10.67% 11.09% 10.98% 14.68% 14.19% 14.47%
0.06 0.02 0.01 0.01 0.01 0.02 0.05 0.06 0.09 0.30 0.23 0.28 0.53
Depreciation 0.37 0.48 0.55 0.67 0.74 0.85 1.07 1.08 1.28 1.32 1.30 1.47 1.49
Profit before tax 0.57 0.05 -0.80 0.24 0.66 0.50 0.09 0.18 0.13 0.60 1.61 1.90 2.56
Tax % 49.12% -340.00% -46.25% 25.00% 31.82% 8.00% 11.11% -61.11% 69.23% -20.00% 24.22% 6.84% 18.36%
0.29 0.22 -0.43 0.19 0.45 0.46 0.08 0.29 0.05 0.72 1.23 1.77 2.09
EPS in Rs 0.26 0.17 -0.34 0.15 0.22 0.17 0.03 0.10 0.02 0.24 0.37 0.53 0.63
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
0.00 0.20 0.43 0.54 0.53 0.30 0.05 1.78 6.34 12.28 25.89 47.51 79.12
Interest 0.00 0.02 0.01 0.00 0.00 0.00 0.00 0.77 2.88 5.04 9.32 18.38 30.41
0.04 0.03 0.22 0.13 0.37 0.11 0.13 1.00 2.51 5.55 13.19 23.79 37.80
Financing Profit -0.04 0.15 0.20 0.41 0.16 0.19 -0.08 0.01 0.95 1.69 3.38 5.34 10.91
Financing Margin % 75.00% 46.51% 75.93% 30.19% 63.33% -160.00% 0.56% 14.98% 13.76% 13.06% 11.24% 13.79%
0.23 0.04 0.68 0.00 0.00 0.00 0.00 0.22 0.00 0.08 0.02 0.41 1.34
Depreciation 0.02 0.02 0.01 0.00 0.00 0.00 0.00 0.11 0.23 1.26 2.80 4.75 5.58
Profit before tax 0.17 0.17 0.87 0.41 0.16 0.19 -0.08 0.12 0.72 0.51 0.60 1.00 6.67
Tax % 11.76% 41.18% 68.97% 31.71% 81.25% 31.58% 12.50% 33.33% 29.17% 47.06% -11.67% -14.00%
0.15 0.10 0.28 0.28 0.04 0.13 -0.09 0.10 0.51 0.26 0.67 1.14 5.81
EPS in Rs 0.27 0.18 0.51 0.51 0.07 0.24 -0.16 0.18 0.56 0.20 0.25 0.38 1.77
Dividend Payout % 0.00% 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: 73%
5 Years: 294%
3 Years: 96%
TTM: 92%
Compounded Profit Growth
10 Years: 28%
5 Years: 71%
3 Years: 31%
TTM: 560%
Stock Price CAGR
10 Years: %
5 Years: 7%
3 Years: 16%
1 Year: -8%
Return on Equity
10 Years: 2%
5 Years: 2%
3 Years: 2%
Last Year: 2%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 4.79 4.79 5.50 5.50 5.50 5.50 5.50 5.50 9.12 12.83 26.70 29.96 33.29
Reserves -0.55 -0.59 -0.31 -0.03 0.01 -0.07 -0.16 -0.56 2.22 8.57 26.52 34.53 44.26
Borrowing 0.00 0.00 0.00 0.00 0.00 0.13 0.33 17.50 32.51 58.29 106.34 230.31 292.10
0.26 0.25 0.71 0.81 0.94 1.18 0.33 1.28 0.90 0.85 2.06 2.51 3.52
Total Liabilities 4.50 4.45 5.90 6.28 6.45 6.74 6.00 23.72 44.75 80.54 161.62 297.31 373.17
0.80 0.64 0.00 0.00 0.00 0.00 0.00 2.02 2.54 12.00 22.72 28.60 28.59
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 0.00
Investments 2.08 1.62 1.62 1.62 1.62 1.62 1.62 0.00 0.00 0.00 0.00 0.00 0.00
1.62 2.19 4.28 4.66 4.83 5.12 4.38 21.70 42.21 68.54 138.90 268.71 344.58
Total Assets 4.50 4.45 5.90 6.28 6.45 6.74 6.00 23.72 44.75 80.54 161.62 297.31 373.17

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-0.04 -3.54 -0.55 0.00 0.01 0.70 -15.88 -14.96 -24.95 -62.09 -118.41
0.45 2.43 0.54 0.00 0.00 0.00 1.38 -0.47 -4.18 -5.55 -3.48
0.00 0.71 0.00 0.00 0.00 0.20 14.27 20.38 27.85 66.51 117.66
Net Cash Flow 0.41 -0.40 -0.01 0.00 0.01 0.90 -0.24 4.94 -1.28 -1.14 -4.23

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 3.60% 2.37% 1.28% 5.25% 0.73% 2.38% -1.67% 3.70% 6.27% 1.59% 1.80% 1.94%

Insights

In beta
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Assets Under Management (AUM)
INR Crore

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Capital Adequacy Ratio (CRAR)
%
Gold Loan Portfolio Mix
%
Gross NPA
%
Net NPA
%
Headcount (Number of Employees)
Count
Number of Branches
Count

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
12.21% 7.96% 6.96% 10.97% 8.66% 8.61% 8.66% 22.18% 22.97% 23.30% 25.28% 25.28%
87.79% 92.05% 93.04% 89.02% 91.34% 91.38% 91.34% 77.83% 77.04% 76.70% 74.71% 74.71%
No. of Shareholders 2,1312,1832,2992,5552,7282,8052,9473,2133,2653,3064,7124,787

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