Spandana Sphoorty Financial Limited SPANDANA NSEFINANCIAL
Financial Services · Credit Services · India
Spandana Sphoorty Financial Limited engages in the microfinance business in India. The company provides joint liability group based microfinance for women entrepreneurs; loans against the property; nano enterprise loans; and individual loans. It serves low-income customers in semi-urban and rural areas. Spandana Sphoorty Financial Limited was founded in 1998 and is based in Hyderabad, India.
READ MORE ›₹251.38
-12.94% 1Y
Market & Price
Market Cap
₹2,228.22 Cr
Current Price
₹251.38
High / Low (52W)
₹302.84 / ₹184.15
Beta
0.32
Valuation
Stock P/E
-
Industry PE
19.12
Forward P/E
5.99
PEG Ratio
-
Book Value
₹292.84
Price to Book
0.86
P/S
-13.69
EV/EBITDA
-
Dividend Yield
-
Profitability & Returns
ROCE
-4.91%
ROE
-29.36%
ROA
-9.49%
Profit Margin
0.00%
Op Margin
4.74%
EPS (Latest Qtr)
₹0.66
EPS (TTM)
₹-91.00
Balance Sheet & Liquidity
Debt/Equity
1.85
Quick Ratio
237.22
Current Ratio
237.22
Debt
₹3,942.73 Cr
Total Assets
₹6,246.37 Cr
Current Assets
₹5,254.07 Cr
Working Capital
₹5,231.89 Cr
Ownership
Promoter Holding
73.80%
Chg in Prom Hold
-
FII / Inst Holding
11.66%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
₹4,667.95 Cr
Total Revenue (TTM)
₹-162.76 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹882.47 Cr
Shares Outstanding
₹7.13 Cr
Gross Margin
0.00%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
-8.69%
Profit 5Y
-1,926.35%
Revenue (YoY)
256.00%
Earnings (YoY)
-
PROS
No notable strengths flagged.
CONS
- Revenue declined at -8.7% CAGR over 5 years.
- Earnings shrank at -1926.3% CAGR over 5 years.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SPANDANA Spandana Sphoorty Financial Limited NSEFINANCIAL | 251.38 | - | ₹2,228.22 Cr | - | -4.91% | -29.36% | -8.69% | -1,926.35% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
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Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 502.92 Cr | 390.69 Cr | 283.72 Cr | 225.16 Cr | 231.83 Cr |
| Cost of Revenue | 412.72 Cr | 345.98 Cr | 299.47 Cr | 252.90 Cr | 238.68 Cr |
| Gross Profit | 90.20 Cr | 44.71 Cr | -15.75 Cr | -27.74 Cr | -6.85 Cr |
| Operating Expenses | 81.34 Cr | 47.80 Cr | 63.37 Cr | 59.66 Cr | 48.53 Cr |
| Operating Income | 8.86 Cr | -3.09 Cr | -79.12 Cr | -87.40 Cr | -55.38 Cr |
| EBITDA | 14.50 Cr | 4.11 Cr | -74.88 Cr | -83.46 Cr | -51.34 Cr |
| Interest Expense | - | - | - | - | - |
| Pretax Income | -587.64 Cr | -577.62 Cr | -480.89 Cr | -125.45 Cr | 8.02 Cr |
| Tax Provision | -147.39 Cr | -143.32 Cr | -120.66 Cr | -30.45 Cr | 2.75 Cr |
| Net Income | -440.20 Cr | -434.30 Cr | -360.21 Cr | -94.97 Cr | 5.27 Cr |
| Diluted EPS | -61.73 | -60.91 | -48.05 | -11.88 | 0.66 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 1,268.01 Cr | 2,215.83 Cr | 2,194.32 Cr | 965.32 Cr |
| Cost of Revenue | - | 716.05 Cr | 1,332.68 Cr | 1,564.03 Cr | 1,041.09 Cr |
| Gross Profit | - | 551.96 Cr | 883.15 Cr | 630.29 Cr | -75.77 Cr |
| Operating Expenses | - | 143.03 Cr | 226.51 Cr | 252.53 Cr | 230.01 Cr |
| Operating Income | - | 408.93 Cr | 656.64 Cr | 377.76 Cr | -305.78 Cr |
| EBITDA | - | 29.67 Cr | 692.29 Cr | 400.47 Cr | -289.58 Cr |
| Interest Expense | 8.97 Cr | 98.00 L | 1.31 Cr | 1.34 Cr | - |
| Pretax Income | - | 17.82 Cr | 670.57 Cr | -1,378.80 Cr | -925.48 Cr |
| Tax Provision | - | 5.43 Cr | 169.85 Cr | -343.64 Cr | -226.33 Cr |
| Net Income | - | 12.31 Cr | 500.66 Cr | -1,035.10 Cr | -699.09 Cr |
| Diluted EPS | 10.19 | 1.65 | 65.98 | -145.17 | - |
Compounded Sales Growth
| 5 Years: | -8.69% |
| 1 Year: | 256.00% |
Compounded Profit Growth
| 5 Years: | -1,926.35% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -12.94% |
| 6 Months: | -5.28% |
| 3 Months: | +0.23% |
| 1 Month: | +9.93% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 9,382.61 Cr | 13,382.53 Cr | 8,493.53 Cr | 6,246.37 Cr |
| Current Assets | - | 5,770.37 Cr | 9,508.04 Cr | 6,675.83 Cr | 5,254.07 Cr |
| Cash & Equivalents | - | 813.38 Cr | 1,398.29 Cr | 1,235.97 Cr | 769.49 Cr |
| Inventory | - | 1.27 Cr | 0 | - | - |
| Receivables | 20.09 Cr | - | - | - | - |
| Total Liabilities | - | 6,283.36 Cr | 9,737.64 Cr | 5,860.25 Cr | 4,116.80 Cr |
| Current Liabilities | - | 4,325.93 Cr | 6,563.76 Cr | 4,292.85 Cr | 22.18 Cr |
| Long Term Debt | - | 1,920.42 Cr | 3,113.68 Cr | 1,493.13 Cr | 3,942.73 Cr |
| Total Debt | - | 6,074.27 Cr | 9,424.61 Cr | 5,655.62 Cr | 3,942.73 Cr |
| Total Equity | - | 3,099.02 Cr | 3,644.60 Cr | 2,633.05 Cr | 2,129.39 Cr |
| Shares Outstanding | - | 7.46 Cr | 7.50 Cr | 7.50 Cr | 8.86 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -2,171.05 Cr | -2,678.67 Cr | 3,681.31 Cr | 882.47 Cr |
| Investing Cash Flow | - | -175.25 Cr | -171.50 Cr | -132.00 Cr | 164.75 Cr |
| Financing Cash Flow | - | 2,432.51 Cr | 3,434.83 Cr | -3,711.63 Cr | -1,513.71 Cr |
| Capital Expenditure | - | -12.74 Cr | -26.03 Cr | -22.30 Cr | -4.02 Cr |
| Free Cash Flow | - | -2,183.79 Cr | -2,704.70 Cr | 3,659.01 Cr | 878.45 Cr |
| Net Change in Cash | - | 86.21 Cr | 584.66 Cr | -162.32 Cr | -466.49 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | 43.5% | 39.9% | 28.7% | -7.8% |
| Operating Margin % | - | 32.2% | 29.6% | 17.2% | -31.7% |
| Net Margin % | - | 1.0% | 22.6% | -47.2% | -72.4% |
| ROE % | - | 0.4% | 13.7% | -39.3% | -32.8% |
| ROCE % | - | 8.1% | 9.6% | 9.0% | -4.9% |
Shareholding Pattern
Insiders
73.80%
Institutions
11.66%
Public Float
44.49%
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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