Spandana Sphoorty Financial
SPANDANA NSE
Spandana Sphoorty Financial
Financial ServicesNSE: SPANDANA BSE: 542759 Finance
Key Fundamentals
MicrocapMicrofinanceFinancial ServicesMarket Cap
₹1,646 Cr
Volatility
Moderate
P/E Ratio
-5.1
EBITDA
₹-401 Cr
Return on Equity
-32.83%
Debt to Equity
2.02
Book Value
₹297.42
EPS
₹61.28
52W High
₹319.4
52W Low
₹181.1
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
2- Company has reduced debt.
- Stock is trading at 0.98 times its book value
Weaknesses
5- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -7.14% over past five years.
- Company has a low return on equity of -13.9% over last 3 years.
- Earnings include an other income of Rs.58.0 Cr.
- Promoter holding has decreased over last 3 years: -14.2%
Growth Rate
Revenue Growth
-56.01% lower than
3Y
Net Income Growth
-32.47% higher than
3Y
Cash Flow Change
-76.03% lower than
3Y
ROE
-16.48% higher than
3Y
ROCE
27.46% higher than
3Y
EBITDA Margin (Avg.)
115% higher than
3Y
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 512 | 610 | 626 | 676 | 710 | 682 | 552 | 415 | 300 | 230 | 234 | 260 | 284 |
| Expenses | 164 | 240 | 231 | 281 | 398 | 727 | 922 | 804 | 627 | 443 | 258 | 139 | 151 |
| Financing Profit | 148 | 142 | 145 | 145 | 52 | -303 | -600 | -575 | -480 | -333 | -133 | -5 | 1 |
| Fin. Margin % | 29% | 23% | 23% | 22% | 7% | -44% | -109% | -139% | -160% | -145% | -57% | -2% | 0% |
| Other Income | 16 | 30 | 31 | 34 | 27 | 20 | 18 | 4 | 4 | 10 | 11 | 17 | 19 |
| Interest | 200 | 228 | 250 | 249 | 259 | 258 | 229 | 185 | 154 | 120 | 109 | 126 | 132 |
| Depreciation | 3 | 5 | 6 | 7 | 4 | 5 | 6 | 7 | 4 | 4 | 4 | 4 | 3 |
| PBT | 161 | 168 | 170 | 172 | 75 | -289 | -588 | -578 | -481 | -327 | -125 | 8 | 18 |
| Tax % | 26% | 25% | 25% | 25% | 26% | -25% | -25% | -25% | -25% | -24% | -24% | 34% | 32% |
| Net Profit | 119 | 125 | 127 | 129 | 56 | -216 | -440 | -434 | -360 | -249 | -95 | 5 | 12 |
| EPS in Rs | 13.53 | 14.16 | 14.4 | 14.5 | 6.28 | -24.39 | -49.63 | -48.96 | -40.61 | -28.09 | -10.71 | 0.59 | 1.34 |
| Gross NPA % | 1.63% | 1.4% | 1.61% | 1.5% | 2.6% | 4.86% | 4.85% | 5.63% | 5.49% | 5.6% | 4.2% | 3.8% | 3.6% |
| Net NPA % | 0.49% | 0.42% | 0.48% | 0.3% | 0.53% | 0.99% | 0.98% | 1.19% | 1.15% | 1.2% | 0.9% | 0.7% | 0.7% |
Profit & Loss
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 587 | 1,043 | 1,435 | 1,483 | 1,463 | 1,401 | 2,401 | 2,355 | 1,024 | 1,007 |
| Expenses | 67 | 208 | 482 | 872 | 832 | 989 | 890 | 2,844 | 1,465 | 991 |
| Financing Profit | 288 | 475 | 593 | 185 | 89 | -48 | 581 | -1,425 | -952 | -470 |
| Fin. Margin % | 49% | 46% | 41% | 12% | 6% | -3% | 24% | -61% | -93% | -47% |
| Other Income | 0 | 5 | 34 | 23 | 17 | 76 | 110 | 69 | 42 | 58 |
| Interest | 232 | 360 | 360 | 426 | 542 | 460 | 930 | 936 | 511 | 487 |
| Depreciation | 6 | 7 | 9 | 8 | 9 | 11 | 20 | 23 | 16 | 15 |
| PBT | 283 | 473 | 618 | 200 | 97 | 18 | 671 | -1,379 | -925 | -427 |
| Tax % | 34% | 34% | 43% | 27% | 28% | 30% | 25% | -25% | -24% | — |
| Net Profit | 188 | 312 | 352 | 145 | 70 | 12 | 501 | -1,035 | -699 | -327 |
| EPS in Rs | 50.8 | 42.02 | 43.93 | 18.13 | 8.09 | 1.39 | 56.44 | -117 | -78.82 | -36.87 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 30 | 60 | 64 | 64 | 69 | 71 | 71 | 71 | 80 |
| Reserves | 216 | 1,830 | 2,562 | 2,685 | 3,018 | 3,028 | 3,573 | 2,562 | 2,049 |
| Borrowing | 3,477 | 2,968 | 3,025 | 5,373 | 3,772 | 6,074 | 9,425 | 5,656 | 3,943 |
| Other Liabilities | 42 | 75 | 326 | 455 | 217 | 209 | 313 | 205 | 174 |
| Total Liabilities | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 | 8,494 | 6,246 |
| Fixed Assets | 8 | 27 | 34 | 38 | 31 | 47 | 52 | 52 | 39 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 487 | 2 | 2 | 189 | 112 | 110 | 114 |
| Other Assets | 3,756 | 4,905 | 5,456 | 8,537 | 7,043 | 9,146 | 13,218 | 8,332 | 6,094 |
| Total Assets | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 | 8,494 | 6,246 |
Cash Flow
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Operating | -1,855 | -573 | -35 | -1,754 | 863 | -2,171 | -2,679 | 3,681 | 882 |
| Investing | -4 | -33 | -487 | 482 | 36 | -175 | -172 | -132 | 165 |
| Financing | 1,673 | 650 | 434 | 2,348 | -1,307 | 2,433 | 3,435 | -3,712 | -1,514 |
| Net Cash Flow | -186 | 44 | -89 | 1,076 | -408 | 86 | 585 | -162 | -466 |
| Free Cash Flow | -1,860 | -581 | -40 | -1,766 | 851 | -2,184 | -2,704 | 3,659 | 880 |
| CFO/OP | -342 | -67 | -2 | -274 | 171 | -517 | -170 | -767 | -200 |
Ratios
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 77% | 29% | 16% | 5% | 2% | 0% | 15% | -33% | -29% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Spandana Sphoorty Financial insights
57 extracted metrics + investor summaries across FY15–FY27.
Documents
3
Announcement under Regulation 30 (LODR)-Newspaper Publication
6 May - Copy of newspaper publication for financial results for Q4FY26. 6 May - Copy of newspaper publication for financial results for Q4FY26.
4
Outcome Of Board Meeting For Financial Results.
4h - Board approved audited FY26 results and ₹4,000 crore NCD issuance proposal on May 5, 2026. 4h - Board approved audited FY26 results and ₹4,000 crore NCD issuance proposal on May 5, 2026.
5
Announcement under Regulation 30 (LODR)-Press Release / Media Release
5 May - Spandana posted ₹5 Cr PAT for FY26 Q4; AUM rose 12% QoQ to ₹4,420 Cr on May 5, 2026. 5 May - Spandana posted ₹5 Cr PAT for FY26 Q4; AUM rose 12% QoQ to ₹4,420 Cr on May 5, 2026.
Frequently Asked Questions about Spandana Sphoorty Financial
What does Spandana Sphoorty Financial Ltd do?
Spandana Sphoorty Financial is primarily engaged in the business of micro finance providing small value unsecured loans to low-income customers in semi-urban and rural areas.
Where is Spandana Sphoorty Financial Ltd (SPANDANA) listed?
Spandana Sphoorty Financial Ltd trades as SPANDANA on the NSE and under code 542759 on the BSE.
Which sector does Spandana Sphoorty Financial Ltd belong to?
Spandana Sphoorty Financial Ltd is classified under the Financial Services sector, in the Finance industry.
What is the market capitalisation of Spandana Sphoorty Financial Ltd?
Spandana Sphoorty Financial Ltd has a market capitalisation of ₹1,646 Cr, which places it in the Small Cap band.
What is the PE ratio of Spandana Sphoorty Financial Ltd?
Spandana Sphoorty Financial Ltd trades at a PE ratio of -5.10, on earnings per share of ₹61.28, against a book value of ₹297.42 per share.
What is the 52-week high and low of Spandana Sphoorty Financial Ltd?
Over the last 52 weeks Spandana Sphoorty Financial Ltd has traded between ₹181.1 and ₹319.4.
What is the Return on Equity (ROE) of Spandana Sphoorty Financial Ltd?
Spandana Sphoorty Financial Ltd reported a return on equity of -32.83%. Its debt-to-equity ratio is 2.02.
Company Information
Spandana Sphoorty Financial is primarily engaged in the business of micro finance providing small value unsecured loans to low-income customers in semi-urban and rural areas.
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