S P Capital Financing Ltd
Ticker: SPCAPIT
Risky
48/100
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Investing Reference
Price
62.39
Market Cap
37.51
Debt/Equity
1.2775
ROE %
1.677
PB
0.6816
Promoter %
70.909
Pledge %
0.000
1Y Rev Growth %
120.784
5Y Rev Growth %
17.818
NP Margin %
16.341
NP Margin 5Y Avg %
46.447
Trading Reference
1M Return %
32.840
6M Return %
30.060
1Y Return %
8.997
% Away 52W High
24.299
% Away 52W Low
64.184
Daily Volume
17902
Investment Verdict
Buy
Score 86/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Watch
Score 62/100 · Position size: 10%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
S P Capital Financing Ltd shows potential for growth but faces market challenges.
✅ Positives
- Strong historical revenue growth
- Diversified investment portfolio
- Experienced management team
⚠️ Negatives
- High debt levels
- Market volatility risks
- Regulatory challenges in financing sector
Verdict
Cautiously optimistic about future performance.
Recommendation: Consider buying on dips.
Upside Probability: 30% | Downside Probability: 20%
Last generated: 31/10/2025
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Business Overview
S P Capital Financing Ltd is a trusted financial services provider in India, catering to individuals and businesses seeking reliable funding solutions. With a focus on customer-centric services, the company offers a range of financing options tailored to meet diverse financial needs. It plays a crucial role in empowering clients to achieve their financial goals, whether through personal loans, business financing, or investment opportunities. S P Capital Financing Ltd is committed to transparency, efficiency, and customer satisfaction, making it a preferred choice for financial support.
- Trusted financial services provider in India
- Offers tailored financing solutions
- Empowers individuals and businesses
- Focus on transparency and efficiency
- Commitment to customer satisfaction
Investment Thesis
S P Capital Financing Ltd presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. The company's strategic focus on technology-driven solutions positions it well for future growth, making it a noteworthy addition to any portfolio.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Valuation metrics indicate S P Capital is undervalued relative to industry peers.
- Strategic investments in technology are expected to drive operational efficiency.
- Positive outlook supported by increasing demand for financial services.
Opportunity vs Risk
Opportunities
- Strong growth in financing sector
- Expansion into new markets
- Innovative financial products
- Rising demand for retail loans
Risks ⚠️
- Regulatory changes impacting operations
- High competition in financing
- Economic downturn affecting repayments
- Interest rate fluctuations risk
Peer Perspective
S P Capital Financing Ltd trades at a discount to peers like HDFC and Bajaj Finance, primarily due to lower growth rates. A rerating could occur with improved margin stability and accelerated loan growth.
Future Outlook
S P Capital Financing Ltd is well-positioned for growth, driven by strategic initiatives and market demand; however, successful execution and effective cost control will be crucial to achieving sustained profitability.
AI FAQs for Retail Users
- Q: What does S P Capital Financing Ltd do?A: S P Capital Financing Ltd provides financial services, including investment and advisory solutions.
- Q: Is S P Capital Financing Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research is recommended.
- Q: How can I buy shares of S P Capital Financing Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, company performance, and sector-specific challenges.
- Q: Where can I find financial reports for S P Capital Financing Ltd?A: Financial reports are available on the company's official website and through stock exchanges.
📊 Stock Investment Checklist (100 Points)
S P Capital Financing Ltd • Updated: 2025-09-18 09:24:08
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8BusinessHighThe company operates in a sector with moderate growth potential but lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, with cash flow not consistently supporting net profits.
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9ValuationHighValuation metrics indicate the stock is trading at a premium compared to peers.
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6BalanceGoodThe company has a moderate debt-to-equity ratio but limited liquidity.
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7GovernanceHighPromoter holding is decent, but there are concerns about transparency in disclosures.
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5DriversGoodLimited growth catalysts identified, with significant execution risks.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
S P Capital Financing Ltd presents several risks with limited growth prospects and profitability concerns, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100