S. P. Capital Financing Limited (SPCAPIT) Fair Value & Analysis
Financial Services · IN · Market cap ₹319M
Fair value as of: Jul 6, 2026
From 22 valuation models · updated today
Share price −4.6% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹42.51 – ₹69.40 · fair‑value band ₹46.77 – ₹77.95 · the ₹52.98 price screens below the ₹62.36 fair value. As of Jul 6, 2026.
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S. P. Capital Financing Limited (SPCAPIT) currently trades at ₹52.98, while our model-based Fair Value estimate is ₹62.36 — implying the stock looks roughly 17.7% undervalued today. We read business quality at 48/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, S. P. Capital Financing Limited generated revenue of ₹105M at a net margin of 33.4%. Revenue declined 53.8% year over year. It earns a return on equity of 13.6%. Net debt stands at ₹1.2B. Fundamentals as of Jul 6, 2026
Our scenario range runs from ₹46.77 (bear case) to ₹77.95 (bull case); at ₹52.98, the current price sits within that range. The share trades about 30% below its 52-week high and 25% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -5% fair-value upside — at 18%, SPCAPIT screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 6, 2026. TTM = trailing twelve months.
About the company
S. P. Capital Financing Limited operates as a non-banking financial company that provides leasing and financing products. The company was incorporated in 1983 and is based in Mumbai, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
S. P. Capital Financing Limited reported revenue of ₹36.6M in FY2026 versus ₹8.4M in FY2022, a compound +44.4%/yr. Reported net income was ₹35.1M in FY2026, compounding +25.3%/yr from FY2022.
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.