Supra Pacific Financial Services Ltd

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Supra Pacific Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Supra Pacific Financial Services Ltd

₹ 33.9 -0.73%
17 Sep - close price
suprapacific.com BSE: 540168
About

Supra Pacific Financial Services Ltd (SPFSL)
is an RBI-registered, non-deposit-taking NBFC
—Investment and Credit Company in the Base Layer—providing gold, vehicle, microfinance, traders, personal and working-capital loans,
plus permitted insurance-related services.[1]

Key Points

Entity & history:[1]
Incorporated on 11 Apr 1986 as Mideast Consultants Pvt Ltd; renamed Montage
Housing Finance Pvt Ltd (8 Jan 1996),
converted to public limited (11 Jan 1996),
renamed Supra Pacific Management
Consultancy Ltd (15 Dec 1998) and
SPFSL effective 20 Jun 2023.[2]

Website BSE
  • Market Cap ₹ 167 Cr.
  • Current Price ₹ 33.9
  • High / Low ₹ 36.0 / 22.4
  • Stock P/E 17.9
  • Book Value ₹ 23.9
  • Dividend Yield 0.59 %
  • ROCE 12.1 %
  • ROE 8.66 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 111% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 32.2%
  • Tax rate seems low
  • Company has a low return on equity of 5.18% 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
4.13 5.91 7.19 8.62 9.52 11.25 11.90 14.75 18.26 21.78 24.33 23.49 24.01
Interest 1.66 2.14 2.49 2.92 3.33 4.25 4.50 6.09 6.40 8.08 9.84 13.34 11.28
2.73 2.87 3.31 4.37 5.08 5.80 6.08 7.04 9.18 10.61 10.97 9.24 10.16
Financing Profit -0.26 0.90 1.39 1.33 1.11 1.20 1.32 1.62 2.68 3.09 3.52 0.91 2.57
Financing Margin % -6.30% 15.23% 19.33% 15.43% 11.66% 10.67% 11.09% 10.98% 14.68% 14.19% 14.47% 3.87% 10.70%
0.01 0.01 0.01 0.02 0.05 0.06 0.09 0.30 0.23 0.28 0.53 3.18 2.10
Depreciation 0.55 0.67 0.74 0.85 1.07 1.08 1.28 1.32 1.30 1.47 1.49 1.31 1.77
Profit before tax -0.80 0.24 0.66 0.50 0.09 0.18 0.13 0.60 1.61 1.90 2.56 2.78 2.90
Tax % -46.25% 25.00% 31.82% 8.00% 11.11% -61.11% 69.23% -20.00% 24.22% 6.84% 18.36% -0.72% 8.28%
-0.43 0.19 0.45 0.46 0.08 0.29 0.05 0.72 1.23 1.77 2.09 2.80 2.67
EPS in Rs -0.20 0.09 0.13 0.10 0.02 0.06 0.01 0.15 0.22 0.32 0.38 0.57 0.54
Gross NPA %
Net NPA %
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 TTM
0.20 0.43 0.54 0.53 0.30 0.05 1.78 6.34 12.28 25.89 47.51 88.12 93.61
Interest 0.02 0.01 0.00 0.00 0.00 0.00 0.77 2.88 5.04 9.32 19.19 38.01 42.54
0.03 0.22 0.13 0.37 0.11 0.13 1.00 2.51 5.55 13.19 23.78 39.66 40.98
Financing Profit 0.15 0.20 0.41 0.16 0.19 -0.08 0.01 0.95 1.69 3.38 4.54 10.45 10.09
Financing Margin % 75.00% 46.51% 75.93% 30.19% 63.33% -160.00% 0.56% 14.98% 13.76% 13.06% 9.56% 11.86% 10.78%
0.04 0.68 0.00 0.00 0.00 0.00 0.22 0.00 0.08 0.02 1.21 3.96 6.09
Depreciation 0.02 0.01 0.00 0.00 0.00 0.00 0.11 0.23 1.26 2.80 4.75 5.57 6.04
Profit before tax 0.17 0.87 0.41 0.16 0.19 -0.08 0.12 0.72 0.51 0.60 1.00 8.84 10.14
Tax % 41.18% 68.97% 31.71% 81.25% 31.58% 12.50% 33.33% 29.17% 47.06% -11.67% -14.00% 10.86%
0.10 0.28 0.28 0.04 0.13 -0.09 0.10 0.51 0.26 0.67 1.14 7.88 9.33
EPS in Rs 0.11 0.31 0.31 0.04 0.14 -0.10 0.11 0.34 0.12 0.15 0.23 1.60 1.81
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 12.47%
Compounded Sales Growth
10 Years: 70%
5 Years: 118%
3 Years: 93%
TTM: 67%
Compounded Profit Growth
10 Years: 63%
5 Years: 111%
3 Years: 212%
TTM: 307%
Stock Price CAGR
10 Years: %
5 Years: 8%
3 Years: 12%
1 Year: -1%
Return on Equity
10 Years: 5%
5 Years: 5%
3 Years: 5%
Last Year: 9%

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 4.79 5.50 5.50 5.50 5.50 5.50 5.50 9.12 12.83 26.70 29.96 49.14
Reserves -0.59 -0.31 -0.03 0.01 -0.07 -0.16 -0.56 2.22 8.57 26.52 34.53 68.37
Borrowing 0.00 0.00 0.00 0.00 0.13 0.33 17.50 32.51 58.29 106.34 229.54 363.22
0.25 0.71 0.81 0.94 1.18 0.33 1.28 0.90 0.85 2.06 5.84 12.22
Total Liabilities 4.45 5.90 6.28 6.45 6.74 6.00 23.72 44.75 80.54 161.62 299.87 492.95
0.64 0.00 0.00 0.00 0.00 0.00 2.02 2.54 12.00 22.72 28.60 82.64
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 1.62 1.62 1.62 1.62 1.62 1.62 0.00 0.00 0.00 0.00 0.00 0.00
2.19 4.28 4.66 4.83 5.12 4.38 21.70 42.21 68.54 138.90 271.27 410.31
Total Assets 4.45 5.90 6.28 6.45 6.74 6.00 23.72 44.75 80.54 161.62 299.87 492.95

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
-0.04 -3.54 -0.55 0.00 0.01 0.70 -15.88 -14.96 -24.95 -62.09 -114.01 -66.35
0.45 2.43 0.54 0.00 0.00 0.00 1.38 -0.47 -4.18 -5.55 -4.12 -55.11
0.00 0.71 0.00 0.00 0.00 0.20 14.27 20.38 27.85 66.51 117.66 164.09
Net Cash Flow 0.41 -0.40 -0.01 0.00 0.01 0.90 -0.24 4.94 -1.28 -1.14 -0.47 42.63
Free Cash Flow -0.04 -2.22 -0.55 0.00 0.01 0.70 -16.94 -15.44 -29.13 -67.64 -118.13 -121.46
CFO/OP -6% -1,657% -122% 31% 5% -1,988% -2,024% -380% -361% -481% -480% -135%

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
ROE % 2.37% 1.28% 5.25% 0.73% 2.38% -1.67% 3.70% 6.27% 1.59% 1.80% 1.94% 8.66%

Insights

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Gold Loan Portfolio
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Vehicle Loan Portfolio
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Number of Branches
Count
Number of Employees
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Microfinance Loan Portfolio
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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
6.96% 10.97% 8.66% 8.61% 8.66% 22.18% 22.97% 23.30% 25.28% 25.28% 25.28% 32.17%
93.04% 89.02% 91.34% 91.38% 91.34% 77.83% 77.04% 76.70% 74.71% 74.71% 74.71% 67.83%
No. of Shareholders 2,2992,5552,7282,8052,9473,2133,2653,3064,7124,7875,0525,078

Documents

Announcements

Annual reports