BSE: 540168
Supra Pacific Financial Servic
Operates as a BSE-listed non-banking financial company lending primarily against gold, with smaller books in microfinance and vehicle loans. As of Q1FY27, the loan book stood at ₹346 crore, of which gold loans were ₹221 crore, microfinance ₹64 crore, and vehicle loans ₹55 crore. The company runs 92 branches across six states and disbursed ₹159 crore in Q1FY27 against collections of ₹149 crore. For FY26, total revenue from operations was ₹87.86 crore and net profit was ₹7.88 crore, with total assets of ₹492.95 crore. Lending is funded through NCDs and subordinated debt — total borrowings were ₹339 crore at Q1FY27, comprising NCDs of ₹152 crore and subordinated debts of ₹116 crore. Employee costs were the largest disclosed operating expense at 31.3% of revenue. Asset quality was controlled, with gross NPA of ₹4.50 crore at Q1FY27 (₹3.64 crore, approximately 1.08% of loans, at FY26 end). AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Gold loans, Microfinance loans, Vehicle loans. Small-cap NBFC, retail-focused gold-led lending with a branch-based distribution model
Exhibit 1: Financial summary, FY22–FY26 (all audited; no estimate years)
| ₹ crore · standalone | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 6 | 12 | 26 | 47 | 88 |
| EBITDA (ex other income) | 4 | 7 | 13 | 23 | 48 |
| margin % | 59.6 | 53.9 | 48.6 | 49.4 | 54.5 |
| Owners' profit | 1 | 0 | 1 | 1 | 8 |
| EPS, as reported (₹) | 0.68 | 0.24 | 0.32 | 0.45 | 2.48 |
| ROE % · ROCE % | 4.5 · — | 1.2 · — | 1.3 · — | 1.8 · — | 6.7 · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | (15) | (25) | (62) | (115) | (66) |
| Capex | (0) | (4) | (5) | (4) | (55) |
Exhibit 2: Quarterly performance, last 8 quarters
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 11 | 12 | 15 | 18 | 22 | 24 | 23 | 24 |
| Profit before tax | 0 | 0 | 1 | 2 | 2 | 3 | 3 | 3 |
| Net profit | 0 | 0 | 1 | 1 | 2 | 2 | 3 | 3 |
| EPS (₹) | 0.10 | 0.04 | 0.27 | 0.39 | 3329.34 | 0.60 | 0.92 | 0.76 |
Exhibit 3: Peers — basic industry group, by market cap
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 5,67,346 | 27.9 | 4.85 | — | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 1,93,785 | 14.5 | 2.94 | — | 15.2 | — | 22.5 | 74.7 |
| TATA CAPITAL LIMITED | 1,28,620 | 23.5 | 2.73 | — | 10.4 | — | — | 75.8 |
| CHOLAMANDALAM IN & FIN CO | 1,25,298 | 21.7 | 4.11 | — | 17.2 | — | 26.5 | 71.2 |
| MUTHOOT FINANCE LIMITED | 96,653 | 8.5 | 2.43 | — | 26.7 | — | 22.0 | 84.0 |
| SBI CARDS & PAY SER LTD | 50,250 | 22.1 | 3.20 | — | 13.8 | — | — | 33.1 |
| SUNDARAM FINANCE LTD | 42,997 | 19.2 | 2.89 | — | 13.8 | — | — | 78.4 |
| PIRAMAL FINANCE LIMITED | 42,166 | 24.9 | 1.50 | — | 5.3 | — | — | 63.4 |
Exhibit 4: Where the company sits in its group
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 0.0 | 18.5 | 1 of 200 | 100% |
| P/B | 1.4 | 1.1 | 147 of 253 | 42% |
| ROE | 6.7 | 3.1 | 84 of 257 | 68% |
| EBITDA margin | 66.5 | 48.6 | 92 of 249 | 63% |
| Revenue growth | 31.4 | 12.6 | 85 of 231 | 64% |
| Profit growth | 117.3 | 7.8 | 59 of 251 | 77% |
| Market cap | 166 | 33 | 70 of 268 | 74% |
Exhibit 5: Filings of the last 90 days, with the measured price reaction
| Date · filing | Category | Importance | Next day % | 5-day % |
|---|---|---|---|---|
| 27 Oct 2026 · September quarter profit rises 57 percent; half-year cash outflow is Rs 76.60 crore | results | high | — | — |
| 27 Oct 2026 · September 2026 quarter profit rises 57 percent | results | high | — | — |
| 20 Oct 2026 · Board meeting on Oct 27, 2026 to approve Q2 and H1 FY26-27 results | results | low | — | — |
| 15 Oct 2026 · Quarterly dematerialisation certificate filed with BSE for Q2 FY27 | compliance | minimal | — | — |
| 7 Oct 2026 · Q2 FY26 update: Loan book at Rs 418 cr, Gross NPA at Rs 5 cr | business updates | medium | — | — |
| 25 Sept 2026 · Trading window closes from Oct 1 ahead of Q2 results | compliance | minimal | — | — |
| 23 Sept 2026 · AGM 2026: All 5 resolutions passed; borrowing limit hiked to INR 1500 Cr | board shareholder meetings | low | — | — |
| 21 Sept 2026 · 40th AGM: borrowings limit raised to INR 1500 Cr and NCD issuance approved | board shareholder meetings | low | — | — |
| 21 Sept 2026 · Board reviewed operations and prospects on 21 Sept 2026 | board shareholder meetings | low | — | — |
| 17 Sept 2026 · Board approves Rs 50 Cr NCD issue at 12% interest rate | fund raising | medium | — | — |
How to read this document
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions | an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
Sources, method and disclosures
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.