S P Capital Financing Ltd
Ticker: SPCAPIT
Risky
48/100
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Investing Reference
Price
61.61
Market Cap
37.04
Debt/Equity
1.2775
ROE %
1.677
PB
0.6731
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 %
29.778
6M Return %
20.804
1Y Return %
25.632
% Away 52W High
25.872
% Away 52W Low
62.132
Daily Volume
2652
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.
AI Probability Statement
Probability Statement
S P Capital Financing Ltd is currently trading near its support level, with a bullish crossover observed in the 50-day and 200-day EMAs. Volume has increased on upward price movements, indicating strong buying interest. If the stock breaks above the resistance level, it could see significant upside potential in the medium term.
Upside Probability: 20% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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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