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Spandana Sphoorty Financial

SPANDANA NSE
₹182.49 −4.61 (−2.46%)
P/E
Not meaningful: loss-making over the last twelve months
View as Markdown
MCP
Close 4 Nov 2026 ₹182.49 −56.41 −23.6% 1Y
Start ₹238.90

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
1.85
EPS (TTM)
−₹36.89
Book Value
₹223.94
Market Cap
—
P/E (TTM)
Not meaningful: loss-making over the last twelve months
P/B
0.81
ROE
−29.40%
Dividend Yield
0.00%
52W High
₹319.40
52W Low
₹174.65
Day Range
₹179.83 – ₹189.02
Volume
4,70,708
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Microfinance › Microfinance Institutions

Spandana Sphoorty Financial peer comparison
CreditAccess Grameen
₹1,073.0010.84₹17,011 Cr1.930.94%10.50%—₹6,775 Cr₹1,587 Cr
Satin Creditcare
₹256.696.92₹2,743 Cr0.890.00%12.30%—₹3,209 Cr₹410 Cr
Muthoot Microfin
₹153.0710.64₹2,583 Cr0.910.00%6.22%—₹2,480 Cr₹245 Cr
Fusion Finance
₹153.5414.71₹2,454 Cr1.010.00%0.68%—₹1,699 Cr₹168 Cr
Spandana Sphoorty Financial (this company)
₹182.49—₹1,659 Cr0.810.00%−29.40%—₹1,007 Cr−₹327 Cr
Median 5 companies₹182.4910.74₹2,583 Cr0.910.00%6.22%—₹2,480 Cr₹245 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

37 Weak

Data confidence 88/100

Category scores

Quality
31
Poor
Returns, margins, earnings quality 22% weight
Valuation
63
Good
Cheap vs sector & own history 24% weight
Growth
3
Poor
Sales & profit trajectory 9% weight
Financial Health
30
Poor
Solvency, leverage, coverage 9% weight
Momentum
8
Poor
Trend strength, vol-adjusted 12% weight
Ownership
49
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Company has reduced debt.
  • Stock is trading at 0.82 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: -12.2%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1252
OscillatorsNeutral252
Moving AveragesStrong Bearish1000

Key readings

RSI (14)
33.57
Neutral
MACD (12,26,9)
−10.23
Bearish
SMA (50)
218.50
Bearish
SMA (200)
241.45
Bearish

As of

Analyst Rating

Based on 3 analysts
BUY67%

2 of 3 analysts rate Buy, 1 Hold, 0 Sell.

As of

BUY
2
67%
HOLD
1
33%
SELL
0
0%

Growth Rate

From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
5Y−7.14%
3Y−9.92%
1Y−56.52%
TTM−48.28%

Net profit

Net profit growth by window
5YTurned to loss
3YTurned to loss
1YLoss narrowed by ₹336 Cr
TTMLoss narrowed by ₹1,123 Cr

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2018₹587 Cr
Mar 2019₹1,043 Cr
Mar 2020₹1,435 Cr
Mar 2021₹1,483 Cr
Mar 2022₹1,463 Cr
Mar 2023₹1,401 Cr
Mar 2024₹2,401 Cr
Mar 2025₹2,355 Cr
Mar 2026₹1,024 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2018₹188 Cr
Mar 2019₹312 Cr
Mar 2020₹352 Cr
Mar 2021₹145 Cr
Mar 2022₹70.00 Cr
Mar 2023₹12.00 Cr
Mar 2024₹501 Cr
Mar 2025−₹1,035 Cr
Mar 2026−₹699 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹12.87 +114.1% vs FY26
Reported High Mean Low

Quarterly Results

₹ Cr
SPANDANA quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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 (₹)
13.53
14.16
14.4
14.5
6.28
−24.39
−49.63
−48.96
−40.61
−28.11
−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

₹ Cr
SPANDANA profit and loss, annual, ₹ crore
Particulars Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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 (₹)
50.8
42.02
43.93
18.13
8.09
1.39
56.44
−117
−78.87
−36.89
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
SPANDANA balance sheet, annual, ₹ crore
Particulars Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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

₹ Cr
SPANDANA cash flow, annual, ₹ crore
Particulars Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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

Ratios

SPANDANA financial ratios, annual
Particulars Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
77%
29%
16%
5%
2%
0%
15%
−33%
−29%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Spandana Sphoorty Financial insights

54 extracted metrics across FY17–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 48.16%
  • Public 23.73%
  • FIIs 17.84%
  • DIIs 5.72%
  • Others 4.55%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

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 Microfinance industry.
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 ₹174.65 and ₹319.4 as of 4 Nov 2026.
What is the Return on Equity (ROE) of Spandana Sphoorty Financial Ltd?
Spandana Sphoorty Financial Ltd reported a return on equity of -29.40%. Its debt-to-equity ratio is 1.85.

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.

Website spandanasphoorty.com
Listed 19 Aug 2019
Face Value ₹10

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