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SPCL - FoxLogica

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⏸️ SPCL: HOLD Signal (5/10) – Progress report for the period July 1st 2024 to September 30, 2025

⚡ Flash Summary

Saudi Pak Consultancy Company Limited (SPCL), formerly Saudi Pak Leasing Co. Ltd., has released a progress report for the period of July 1st, 2024 to September 30th, 2025. The company’s primary focus has been on recovering non-performing loans and leases, and settling liabilities through cash generation from recoveries, following the withdrawal of the liquidation notice by SECP. During this period, SPCL has been actively pursuing recovery suits and settlements through legal and out-of-court avenues. The Board of Directors (BOD) and management are optimistic about reducing negative equity through the settlement of outstanding liabilities and venturing into consultancy services.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 🔄 SPCL shifted its business from leasing to consultancy after SECP’s withdrawal of the liquidation notice.
  • 🗓️ Report covers the period from July 1st, 2024 to September 30th, 2025.
  • 💼 Focus shifted to recovering non-performing loans & lease and settling liabilities.
  • 💰 Total recoveries for the period amounted to Rs. 59.491 million.
  • 🧾 Total settlements of TFC’s & other Liabilities reached Rs. 149.665 million.
  • 🚧 Settlements in Progress stand at Rs. 355.197 million.
  • ⚖️ Management actively pursues recovery cases through legal and out-of-court settlements.
  • 🤝 Board elections were held on 22.04.2025, meeting corporate governance requirements.
  • 🏢 BOD is now fully functional and active, exploring new business opportunities.
  • 🌍 Exploring consultancy service opportunities in local and foreign (CEPEC) companies.
  • 📉 Management is confident about reducing negative equity in the current financial year.
  • 🏦 SPCL inherited assets & liabilities from Saudi Pak Leasing Company Limited (SPLC).

🎯 Investment Thesis

A HOLD recommendation is appropriate at this stage. While the company is making progress in recovering assets and settling liabilities, the transition to a consultancy business is still in its early stages. A more definitive BUY or SELL recommendation would require further evidence of successful consultancy operations and sustainable profitability. The price target would be highly speculative at this point, with a medium-term horizon to reassess the company’s performance.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 6, 2025

⏸️ SPCL: HOLD Signal (4/10) – Financial Results for the Quarter Ended

⚡ Flash Summary

Saudi Pak Consultancy Company Limited (SPCL) reported a challenging first quarter for 2025, with a significant decline in total income compared to the same period last year. The company experienced an operating loss before provisions, but a substantial reversal of provisions against leases, loans, and receivables helped to achieve a profit before taxation. However, earnings per share decreased from Rs. 0.21 to Rs. 0.10. Management attributes the income decline to delays in profit receipts on bank balances and slower progress in out-of-court settlements for non-performing portfolios.

Signal: HOLD ⏸️
Strength: 4/10
Sentiment: NEGATIVE
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 📉 Total income decreased significantly to Rs. 1.42 million from Rs. 14.48 million YoY.
  • 💰 Income from finance and operating leases declined to Rs. 1.22 million from Rs. 4.18 million YoY.
  • ⚠️ Operating loss before provisions was Rs. (22.13) million, worsening from Rs. (8.40) million YoY.
  • ✅ Reversal/provision against leases, loans, and receivables stood at Rs. 25.04 million, up from Rs. 17.86 million YoY.
  • 👍 Profit before taxation decreased to Rs. 4.33 million from Rs. 9.46 million YoY.
  • 📉 Earnings per share (EPS) declined to Rs. 0.10 from Rs. 0.21 YoY.
  • 🏦 Finance costs decreased to Rs. (4.73) million from Rs. (10.57) million YoY.
  • 🏢 Administrative expenses increased to Rs. (17.40) million from Rs. (12.31) million YoY.
  • 🏦 Cash and bank balances decreased to Rs 53.16 million from Rs. 69.74 million since June 30, 2025.
  • 🚫 Company anticipates the conclusion of settlement agreements by the second quarter of the fiscal year ending December 31, 2025.
  • 💼 Total assets decreased slightly to Rs 668.51 million from Rs. 686.03 million since June 30, 2025.
  • ⚠️ Accumulated losses stand at Rs. (1,618.82) million.
  • liabilities decreased to Rs 1,063.35 million from Rs. 1,085.21 million since June 30, 2025.

🎯 Investment Thesis

HOLD. While the company has taken steps to streamline operations and address non-performing assets, the current financial performance and the ongoing uncertainties do not justify a BUY recommendation. A more favorable outlook could be considered if the company demonstrates consistent improvement in earnings and cash flow. Considering the risks and lack of upside, SELL is not appropriate either.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 22, 2025

⏸️ SPCL: HOLD Signal (5/10) – Board Meeting In Progress

⚡ Flash Summary

SPCL announced: Board Meeting In Progress. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • SPCL made announcement: Board Meeting In Progress
  • Automated analysis: HOLD signal detected
  • Signal strength: 5/10
  • This is basic analysis – manual review recommended
  • Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for SPCL. Manual verification required.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 21, 2025

⏸️ SPCL: HOLD Signal (5/10) – Resolutions passed in AGM-25 held on 20-10-2025 at Karachi

⚡ Flash Summary

SPCL announced: Resolutions passed in AGM-25 held on 20-10-2025 at Karachi. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • SPCL made announcement: Resolutions passed in AGM-25 held on 20-10-2025 at Karachi
  • Automated analysis: HOLD signal detected
  • Signal strength: 5/10
  • This is basic analysis – manual review recommended
  • Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for SPCL. Manual verification required.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 20, 2025

⏸️ SPCL: HOLD Signal (5/10) – Corporate Briefing Session

⚡ Flash Summary

Saudi Pak Consultancy Company Limited (SPCL) held a corporate briefing session for FY24-25. The company, formerly known as Saudi Pak Leasing Company Limited, has shifted its business focus to consultancy services. The company is actively pursuing recovery efforts of inherited decrees and settlements to improve cash inflows, aiming for PKR 100 million by June-26. SPCL is also focused on settling liabilities and reducing negative equity, with a target of eliminating negative equity by PKR 100 million by June-26. Resumption of trading shares at PSX is expected by January 1, 2026.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 1. 🏢 Company Profile: Formerly Saudi Pak Leasing Company Limited, now Saudi Pak Consultancy Company Limited.
  • 2. 📅 Incorporation: Established in Pakistan on January 8, 1991, and listed on the Pakistan Stock Exchanges.
  • 3. 📍 Offices: Operates from Karachi and has a branch in Lahore.
  • 4. 💼 Business Focus: Shifted from asset leasing to consultancy services.
  • 5. 🤝 Major Shareholder: Saudi Pak Industrial & Agricultural Investment Company Limited holds 35.06% of ordinary share capital and 63% of preference share capital.
  • 6. 💰 Authorized Share Capital: 2 Billion (Preferred: 1 Billion, Ordinary 1 Billion).
  • 7. 💸 Issued, Subscribed & Paid-Up Capital: 979.813 Million (Preferred: 528.208 Million, Ordinary 451.605 Million).
  • 8. 🏦 Recovery Efforts: Aiming to recover PKR 100 Million by June-26.
  • 9. 📉 Settlement of Liabilities: Settled PKR 46.700 million with a haircut of PKR 96.800 million.
  • 10. ➖ Reduction of Negative Equity: Achieved PKR 61 Million reduction till June 25; targetting PKR 100 million reduction by June-26.
  • 11. ✅ Regulatory Compliance: New election of Board of Directors held on April 22, 2025.
  • 12. 🎯 Sustained Profitability: Focus on maintaining profitability through efficient recovery processes.
  • 13. 📈 Operational Stability: Enhancement of financial health and stability is targeted by June-26.
  • 14. 🔄 Resumption of Trading: Shares of SPCCL expected to resume trading at PSX by January 01, 2026.

🎯 Investment Thesis

Given the ongoing restructuring, negative equity, and uncertainty surrounding the new consultancy business, a HOLD rating is appropriate. While recovery efforts and debt restructuring are positive steps, the company needs to demonstrate consistent profitability and establish a stable consultancy business before considering a more favorable rating. Price target is difficult to determine due to the company’s current financial state.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 16, 2025

⏸️ SPCL: HOLD Signal (5/10) – Corporate Briefing Session

⚡ Flash Summary

Saudi Pak Consultancy Company Limited (SPCL) has announced that it will conduct a Corporate Briefing Session (CBS) on October 20, 2025, at 02:00 p.m. The session will cover the annual audited accounts for the year ended June 30, 2025. The briefing will be held at the SPCL Registered Office in Karachi and will also be accessible online via Zoom for shareholders, analysts, and investors. Details to join the online session, including a Zoom link, Meeting ID, and Passcode, have been provided in the announcement.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 🗓️ SPCL’s Corporate Briefing Session (CBS) is scheduled for October 20, 2025, at 02:00 p.m.
  • 🏢 The CBS will take place at SPCL’s Registered Office in Karachi.
  • 💻 Online participation is available via Zoom for shareholders, analysts, and investors.
  • 🔗 The Zoom link for the session is: https://us06web.zoom.us/j/3507865058?pwd=BcElm7YMowlDoDc7sT7wobcB0OBM4A.1&omn=83499631085
  • 🆔 Meeting ID for the Zoom session is 3507865058.
  • 🔑 The passcode to join the Zoom meeting is 376909.
  • 🧾 The briefing will cover the annual audited accounts for the year ending on June 30, 2025.
  • 🌐 The presentation will be available on the PSX website through PUCARS.
  • 🌍 Information is available on SPCL website: www.saudipakconsultancy.com.
  • 📞 Contact details for SPCL: 021-35655181-82-83; Fax: (021) 35210609.
  • 📧 SPCL’s website for more details is www.saudipakleasing.com.

🎯 Investment Thesis

Based solely on the announcement of a Corporate Briefing Session, a HOLD recommendation is appropriate. There is no new information to change the existing view on SPCL. Further information from the briefing session is needed to re-evaluate.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 16, 2025

⏸️ SPCL: HOLD Signal (6/10) – Board Meeting Other Than Financial Results

⚡ Flash Summary

Saudi Pak Consultancy Company Limited (SPCL) has announced the 184th meeting of its Board of Directors, scheduled for October 21, 2025, to approve the quarterly accounts for the period ended September 30, 2025. The meeting will also confirm the minutes of the 183rd Board meeting held on September 17, 2025, and address other routine business matters. The company’s share transfer book will be closed from October 15 to October 21, 2025, in compliance with PSX regulations, restricting directors, CEO, or executives from dealing in the company’s shares during this period. The announcement aims to ensure transparency and adherence to regulatory requirements.

Signal: HOLD ⏸️
Strength: 6/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 📅 SPCL’s 184th Board of Directors meeting is scheduled for October 21, 2025.
  • 🏢 The meeting will take place at 3 p.m. at SPCL’s Registered Office in Karachi.
  • ✅ The primary agenda is to approve the Quarterly Accounts for the period ended September 30, 2025.
  • 📝 The board will confirm the minutes of the 183rd Board of Directors Meeting held on September 17, 2025.
  • 🧑 ‍💼 Authorization is sought for a Director to sign the unaudited quarterly accounts along with the CEO and CFO.
  • 🔒 The Share Transfer Book will be closed from October 15 to October 21, 2025, both days inclusive.
  • 📜 This closure is mandated under Clause 5.6.1(d) of PSX regulations.
  • 🚫 Directors, CEO, and Executives are prohibited from dealing in company shares during the closing period.
  • 🗓️ The announcement was dated October 14, 2025.
  • 🌐 Further information can be found at www.saudipakleasing.com.

🎯 Investment Thesis

Given that the announcement is purely procedural and lacks financial information, a HOLD recommendation is appropriate. Further analysis of SPCL’s financial performance and strategic direction is necessary to make a more informed investment decision. Without knowing the company’s financial standing, it’s impossible to set a price target or define a specific time horizon.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 15, 2025

⏸️ SPCL: HOLD Signal (5/10) – 184th Board Meeting

⚡ Flash Summary

SPCL announced: 184th Board Meeting. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • SPCL made announcement: 184th Board Meeting
  • Automated analysis: HOLD signal detected
  • Signal strength: 5/10
  • This is basic analysis – manual review recommended
  • Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for SPCL. Manual verification required.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 15, 2025

⏸️ SPCL: HOLD Signal (5/10) – Board Meeting Other Than Financial Results REVOKED

⚡ Flash Summary

Saudi Pak Consultancy Company Limited (SPCL) announced the 184th meeting of its Board of Directors scheduled for October 21st, 2025, to approve the quarterly accounts for the period ended September 30th, 2025. The meeting will also cover confirmation of the minutes from the 183rd Board of Directors meeting held on September 17th, 2025. Additionally, the board will discuss authorization for a director to sign the quarterly unaudited accounts alongside the CEO and CFO. The company has announced the closure of its Share Transfer Book from October 15th to October 21st, 2025, as per PSX regulations, restricting any dealings in the company’s shares by Directors, CEO, or Executives during this period.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 📅 184th Board Meeting scheduled for October 21st, 2025.
  • ✅ Agenda includes approval of Quarterly Accounts for the period ended September 30th, 2025.
  • 📝 Confirmation of minutes from the 183rd Board Meeting held on September 17th, 2025.
  • ✍️ Authorization for a director to sign unaudited accounts with the CEO and CFO.
  • 🔒 Share Transfer Book closed from October 15th to October 21st, 2025.
  • 🚫 Restriction on share dealings by Directors, CEO, and Executives during the closure.
  • 🏢 Meeting to be held at SPCL’s Registered Office in Karachi at 3 p.m.
  • 📜 Compliance with Clause 5.6.1(d) of PSX regulation.
  • 💼 Routine business matters also to be discussed.
  • 📢 All members requested to attend the meeting.
  • 🏢 Saudi Pak Consultancy Company Limited (Formerly Known as Saudi Pak Leasing Co. Ltd.).
  • ✉️ Notice dated October 14, 2025.

🎯 Investment Thesis

Given the procedural nature of the announcement and the lack of financial performance data, a HOLD recommendation is appropriate. Further insights into the company’s financial results and strategic direction are needed to make a more informed investment decision. A price target cannot be established based on this announcement alone.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 15, 2025

⏸️ SPCL: HOLD Signal (5/10) – Transmission of Annual Report for the Year Ended 30-06-2025

⚡ Flash Summary

SPCL announced: Transmission of Annual Report for the Year Ended 30-06-2025. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • SPCL made announcement: Transmission of Annual Report for the Year Ended 30-06-2025
  • Automated analysis: HOLD signal detected
  • Signal strength: 5/10
  • This is basic analysis – manual review recommended
  • Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for SPCL. Manual verification required.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 10, 2025