Supra Pacific Financial Services Limited

BSE: SUPRAPFSL · Non Banking Financial Company (NBFC)

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Snapshot

Unlock Supra Pacific Financial Services Limited's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Supra Pacific Management Consultancy Limited is an Indian non-banking financial company focused on providing financial services to underserved and rural populations. The firm offers a diversified portfolio including microfinance, small business loans, personal credit, gold loans, and vehicle financing.

Business Model

The company generates revenue through interest income and fees derived from its retail lending operations. It leverages a physical branch network combined with digital integration to streamline loan processing and recovery mechanisms.

Management Commentary

Management has implemented strategic shifts in the business model to strengthen the company's presence in the retail lending sector. These efforts focus on enhancing operational efficiency and expanding the reach of their financial products.

Growth Outlook

Growth is expected to be driven by the expansion of the retail lending portfolio and increased digital adoption. The firm aims to further bridge the financial inclusion gap by tailoring products for small enterprises and individuals.

Key Risks

  • Credit Risk. The company faces potential losses from defaults, particularly given its focus on underserved and rural borrower segments.
  • Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations that may impact lending norms and capital requirements.
  • Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the cost of funds for the company.
  • Liquidity Risk. Dependence on external funding sources to maintain loan disbursements poses a risk if market liquidity tightens.

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Key Metrics

REVENUE

₹88 Cr

TTM · standalone

+85.3%YoY

NET PROFIT

₹8 Cr

TTM · standalone

+592.1%YoY

EPS

₹3,330.69

TTM · standalone

+756875.0%YoY

RETURN ON EQUITY

10.1%

TTM · standalone

+8.1 ppYoY

P/E

0.0x

Q4 FY26 · standalone

0.0 vs 42.3x5Y avg

NET PROFIT MARGIN

11.9%

Q4 FY26 · standalone

+7.0 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Supra Pacific Financial Services LimitedSUPRAPFSL
₹164 Cr0.0185.3%10.1%+14.9%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials