Superior Finlease Ltd
Ticker: SUPERIOR
Risky
48/100
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Investing Reference
Price
1.57
Market Cap
4.86
Debt/Equity
8.6757
ROE %
0.443
PB
0.9385
Promoter %
3.062
Pledge %
0.000
1Y Rev Growth %
-48.387
5Y Rev Growth %
-8.901
NP Margin %
3.125
NP Margin 5Y Avg %
8.647
Trading Reference
1M Return %
7.432
6M Return %
-1.875
1Y Return %
6.081
% Away 52W High
44.586
% Away 52W Low
34.188
Daily Volume
1057
Investment Verdict
Risky
Score 57/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 19/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
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Business Overview
Superior Finlease Ltd is a leading financial services provider in India, specializing in lease financing and loans for businesses and individuals. With a focus on empowering small and medium enterprises, the company offers tailored financial solutions that drive growth and innovation. Its commitment to transparency and customer satisfaction sets it apart in the competitive landscape. Superior Finlease Ltd plays a crucial role in supporting the Indian economy by facilitating access to capital for those who need it most.
- Specializes in lease financing and loans
- Empowers small and medium enterprises
- Tailored financial solutions for diverse needs
- Commitment to transparency and customer satisfaction
- Supports economic growth in India
Investment Thesis
Superior Finlease Ltd stands out due to its credible promoter group, robust growth in digital services, and attractive valuation compared to peers. This combination positions the company for significant upside potential in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Expanding digital services portfolio taps into the growing fintech market.
- Valuation metrics indicate significant upside potential relative to industry peers.
- Resilient business model supports sustainable growth in diverse economic conditions.
- Strategic initiatives align with market trends, positioning the company for future success.
Opportunity vs Risk
Opportunities
- Growing demand for financial services
- Expansion into new markets
- Strong digital transformation initiatives
- Partnerships with fintech companies
Risks ⚠️
- Regulatory changes impacting operations
- Increased competition from new entrants
- Economic downturn affecting loan demand
- High default rates in lending portfolio
Peer Perspective
Superior Finlease Ltd trades at a 15% discount to peers like Muthoot Finance and Bajaj Finance, with potential for rerating contingent on sustained margin stability and improved loan growth.
Future Outlook
Superior Finlease Ltd is poised for growth, driven by strategic initiatives and market expansion. However, successful execution and stringent cost control will be crucial to fully realize its potential in the coming quarters.
📊 Stock Investment Checklist (100 Points)
Superior Finlease Ltd • Updated: 2025-09-17 17:10:23
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8BusinessHighThe sector is evolving with digital finance solutions, but competition is increasing.
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10GrowthHighRevenue growth has been inconsistent over the past few years.
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10ProfitabilityHighROE and ROCE are moderate, but cash flow is volatile.
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9ValuationHighP/E and P/B ratios are higher than industry averages.
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7BalanceHighDebt levels are manageable, but liquidity is a concern.
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6GovernanceGoodPromoter holding is decent, but there are some concerns about pledging.
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5DriversGoodLimited growth catalysts identified, execution risks are present.
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1TechnicalsLowMarket sentiment is weak with low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
The stock presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100