🇮🇳 India Stock Screener ← Switch market ★ Elite Club ⚡ HerAI

Spandana Sphoorty Financial Limited SPANDANA NSEFINANCIAL

Financial Services · Credit Services · India
https://spandanasphoorty.com
Company Profile ↓
₹308.70
+10.57% 1Y
Mkt Cap₹2,736.30 Cr
P/E-2.13
P/B1.14
52W High₹310.55
52W Low₹184.15
Book Value₹240.23
EPS (TTM)₹-145.17

Company Overview

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.

Why Investors Should Care

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹965.32 Cr (-56.0% YoY); net profit ₹-699.09 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -56.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR -8.7%, profit CAGR -1926.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-8.69%
1 Year:-56.01%

Compounded Profit Growth

5 Years:-1,926.35%
1 Year:-

Stock Price Performance

1 Year:+10.57%
6 Months:+27.61%
3 Months:+36.45%
1 Month:+26.93%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 99% of range
₹184.15 ₹310.55
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)67.34 · Neutral
Price Performance
1M+26.93%
3M+36.45%
6M+27.61%
1Y+10.57%

Auto-generated from price history and fundamentals; not investment advice.

⚙Ad space

Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -8.7% CAGR over 5 years.
  • Earnings shrank at -1926.3% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

⚙Ad space

Valuation

Stock P/E
-2.13
Industry PE
19.81
Forward P/E
7.35
PEG Ratio
-
Book Value
₹240.23
Price to Book
1.14
P/S
-16.63
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
-8.69%
Profit 5Y
-1,926.35%
Revenue (YoY)
-56.01%
Earnings (YoY)
-

Profitability & Returns

ROCE
-4.91%
ROE
-32.83%
ROA
-11.19%
Profit Margin
-72.42%
Op Margin
-31.68%
Gross Margin
-7.85%
EPS (Latest Qtr)
₹0.66
EPS (TTM)
₹-145.17

Balance Sheet & Liquidity

Debt/Equity
1.85
Quick Ratio
236.88
Current Ratio
236.88
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
25.64%
FII / Inst Holding
11.84%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
₹2,736.30 Cr
Total Revenue (TTM)
₹965.32 Cr
EBITDA
₹-289.58 Cr
Free Cash Flow
₹878.45 Cr
Operating Cash Flow
₹882.47 Cr
Shares Outstanding
₹8.86 Cr
Gross Margin
-7.85%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SPANDANA Spandana Sphoorty Financial Limited NSEFINANCIAL 308.70 -2.13 ₹2,736.30 Cr 0.00% -4.91% -32.83% -8.69% -1,926.35%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 498.13 Cr511.62 Cr610.26 Cr626.03 Cr675.80 Cr709.89 Cr681.85 Cr502.92 Cr390.69 Cr283.72 Cr229.55 Cr225.16 Cr231.83 Cr
Cost of Revenue -------412.72 Cr345.98 Cr299.47 Cr-252.90 Cr238.68 Cr
Gross Profit -------90.20 Cr44.71 Cr-15.75 Cr--27.74 Cr-6.85 Cr
Operating Expenses 241.75 Cr164.02 Cr240.35 Cr230.66 Cr281.14 Cr398.15 Cr726.70 Cr81.34 Cr47.80 Cr63.37 Cr442.79 Cr59.66 Cr48.53 Cr
Operating Income -------8.86 Cr-3.09 Cr-79.12 Cr--87.40 Cr-55.38 Cr
EBITDA -------14.50 Cr4.11 Cr-74.88 Cr--83.46 Cr-51.34 Cr
Interest Expense 148.99 Cr199.55 Cr227.74 Cr250.19 Cr249.31 Cr259.37 Cr258.43 Cr---119.85 Cr--
Pretax Income 138.56 Cr160.55 Cr167.52 Cr170.35 Cr172.17 Cr75.05 Cr-288.60 Cr-587.64 Cr-577.62 Cr-480.89 Cr-327.13 Cr-125.45 Cr8.02 Cr
Tax Provision 33.00 Cr41.08 Cr42.32 Cr42.95 Cr43.51 Cr19.34 Cr72.27 Cr-147.39 Cr-143.32 Cr-120.66 Cr77.96 Cr-30.45 Cr2.75 Cr
Net Income 105.55 Cr119.46 Cr125.20 Cr127.41 Cr128.66 Cr55.71 Cr-216.33 Cr-440.20 Cr-434.30 Cr-360.21 Cr-249.16 Cr-94.97 Cr5.27 Cr
Diluted EPS 11.9613.5314.1614.4014.506.28-24.39-61.73-60.91-48.05-28.09-11.880.66

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 587.00 Cr1,043.00 Cr1,435.00 Cr1,483.00 Cr-1,268.01 Cr2,215.83 Cr2,194.32 Cr965.32 Cr
Cost of Revenue -----716.05 Cr1,332.68 Cr1,564.03 Cr1,041.09 Cr
Gross Profit -----551.96 Cr883.15 Cr630.29 Cr-75.77 Cr
Operating Expenses 67.00 Cr208.00 Cr482.00 Cr872.00 Cr-143.03 Cr226.51 Cr252.53 Cr230.01 Cr
Operating Income -----408.93 Cr656.64 Cr377.76 Cr-305.78 Cr
EBITDA -----29.67 Cr692.29 Cr400.47 Cr-289.58 Cr
Interest Expense 232.00 Cr360.00 Cr360.00 Cr426.00 Cr8.97 Cr98.00 L1.31 Cr1.34 Cr-
Pretax Income 283.00 Cr473.00 Cr618.00 Cr200.00 Cr-17.82 Cr670.57 Cr-1,378.80 Cr-925.48 Cr
Tax Provision 96.22 Cr160.82 Cr265.74 Cr54.00 Cr-5.43 Cr169.85 Cr-343.64 Cr-226.33 Cr
Net Income 188.00 Cr312.00 Cr352.00 Cr145.00 Cr-12.31 Cr500.66 Cr-1,035.10 Cr-699.09 Cr
Diluted EPS 50.8042.0243.9318.1310.191.6565.98-145.17-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 3,764.00 Cr4,932.00 Cr5,977.00 Cr8,577.00 Cr-9,382.61 Cr13,382.53 Cr8,493.53 Cr6,246.37 Cr
Current Assets -----5,770.37 Cr9,508.04 Cr6,675.83 Cr5,254.07 Cr
Cash & Equivalents -----813.38 Cr1,398.29 Cr1,235.97 Cr769.49 Cr
Inventory -----1.27 Cr0--
Receivables ----20.09 Cr----
Total Liabilities -----6,283.36 Cr9,737.64 Cr5,860.25 Cr4,116.80 Cr
Current Liabilities -----4,325.93 Cr6,563.76 Cr4,292.85 Cr22.18 Cr
Long Term Debt -----1,920.42 Cr3,113.68 Cr1,493.13 Cr3,942.73 Cr
Total Debt -----6,074.27 Cr9,424.61 Cr5,655.62 Cr3,942.73 Cr
Total Equity 246.00 Cr1,890.00 Cr2,626.00 Cr2,749.00 Cr-3,099.02 Cr3,644.60 Cr2,633.05 Cr2,129.39 Cr
Shares Outstanding -----7.46 Cr7.50 Cr7.50 Cr8.86 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -1,855.00 Cr-573.00 Cr-35.00 Cr-1,754.00 Cr--2,171.05 Cr-2,678.67 Cr3,681.31 Cr882.47 Cr
Investing Cash Flow -4.00 Cr-33.00 Cr-487.00 Cr482.00 Cr--175.25 Cr-171.50 Cr-132.00 Cr164.75 Cr
Financing Cash Flow 1,673.00 Cr650.00 Cr434.00 Cr2,348.00 Cr-2,432.51 Cr3,434.83 Cr-3,711.63 Cr-1,513.71 Cr
Capital Expenditure -5.00 Cr-8.00 Cr-5.00 Cr-12.00 Cr--12.74 Cr-26.03 Cr-22.30 Cr-4.02 Cr
Free Cash Flow -1,860.00 Cr-581.00 Cr-40.00 Cr-1,766.00 Cr--2,183.79 Cr-2,704.70 Cr3,659.01 Cr878.45 Cr
Net Change in Cash -186.00 Cr44.00 Cr-89.00 Cr1,076.00 Cr-86.21 Cr584.66 Cr-162.32 Cr-466.49 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----43.5%39.9%28.7%-7.8%
Operating Margin % -----32.2%29.6%17.2%-31.7%
Net Margin % 32.0%29.9%24.5%9.8%-1.0%22.6%-47.2%-72.4%
ROE % 76.4%16.5%13.4%5.3%-0.4%13.7%-39.3%-32.8%
ROCE % -----8.1%9.6%9.0%-4.9%

Shareholding Pattern

Insiders
73.80%
Institutions
11.84%
Public Float
45.19%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for SPANDANA

Google News ue, 14 Jul 2026

Spandana Sphoorty Financial Chairperson Abanti Mitra passes away - scanx.trade

<a href="https://news.google.com/rss/articles/CBMivgFBVV95cUxPZEdMZzNET044ZDdLSEswLWtiWjctRl9tYUhoZFl6alljZ2lnQ0dORk9yV3diZzlKemJidF9ZM3hUdHY5eXJLZmk3Rm9wNDZoVGJ1M1NTNjZTNWlud2ZCdmFHOF9IZDFMNHdZb3NYRFdPV2ZxVDY1cTRralNWY04tTF9UUURrbmpENlBCdl…

Google News hu, 07 Aug 2025

Private companies invested in Spandana Sphoorty Financial Limited (NSE:SPANDANA) copped the brunt of last week's ₹2.1b market cap decline - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi_AFBVV95cUxQM1VVWUNsS3RKUWJzendmdlRvSTFLQkcya2tVVHpaOHQ4Nnc2WWp0OFQ4Zi14U2VYV2hRaEpXY0g5WmF3a25Fd3J5T25oanpOVEJnQ0VLRUM5eTVPWDhIOGRaV19NN2tsUlNjUkFweTVvT1RhdEdla3VJTzVPLXZoNEM3bHZjd3hVS2FidG…

Google News ue, 25 Nov 2025

Spandana Sphoorty shares jump up to 5.5% after company appoints ex-HDFC Bank exec Venkatesh Krishnan as... - Moneycontrol.com

<a href="https://news.google.com/rss/articles/CBMigAJBVV95cUxOUldLRlhrOEpNTUItSVlQNHZaQlNMSEhDaHBiOWNqWXlmb1NNaV95bXhvc2ZKS1FjY0xMdWlXLTdCcXh4RDFacmJuV185d2NjZjA2dmlrRGtweGV2M1FLOWxJUzdQdTMwXzZScEJHSXF3NFlua1B1U2hLb0RvSkVGbVRjQkFvV3o5STlsSF…

Google News ue, 27 Jan 2026

Spandana Sphoorty cuts Q3 losses as NPAs fall and disbursements rise - The Economic Times

<a href="https://news.google.com/rss/articles/CBMi3wFBVV95cUxOMFpKdVhWc3lVaGV4VUQ3dG8zX2NkSnhqNkNscHlHamY1a2Q3WHpjbTJPYlhyUERNVHZBLW5ISE1iNHl6N3hwYmFJcEpSU2NQNnF4TmczSFU5a1Z4WXF3T3AzYkRUalBfa0ItbmI2MjJEX2xIQTdXYWxyVklPTmJxYmxJWXZwTEpsbjZKQm…

Google News ue, 05 May 2026

Spandana Sphoorty returns to profit in Q4 after heavy losses, shows signs of recovery - CNBC TV18

<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxPX3IzYnduTkJiWG4xbkNnSjZ0eEs5aVNDVGdOdVJJbDBtTVB6TDZHenZ1dWhIb1MxUm1LbHJ2WUpqYm9lYVktc3F6WVZnUm1Fa3V4aml6SHNtclFxdVl1ZlZ6OG5MTUhlbENIa3VBRHZ2YXY2aXY2ZWhTNHhjYmZQczFjd29iU0szR2UxZ3…

Google News hu, 18 Dec 2025

Retail investors in Spandana Sphoorty Financial Limited (NSE:SSFLPP) are its biggest bettors, and their bets paid off as stock gained 11% last week - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi-gFBVV95cUxPcVRmc1ZwenJyZVg1a2ZZY3B1ZGpreEtOVjFMV3ptajFnYlItVDJSVml3UUdHSkpUbF9TTEhURzFMLXhwb00xQUM1cl93YU9aU0hRcnhEb2w3aVN2bGp3NHhUNDRJdnpaZ1BMVGxDZTZxaXMtd0NOMnJ5el9xa2Z3SkFwSG9lVE55TnItaW…

SPANDANA — Frequently Asked Questions

What is the current share price of Spandana Sphoorty Financial Limited (SPANDANA)?

As of 2026-07-15 09:52 IST, Spandana Sphoorty Financial Limited (SPANDANA) trades at ₹308.70 on NSE. Its 52-week range is ₹184.15 to ₹310.55.

What is the market capitalisation of SPANDANA?

Spandana Sphoorty Financial Limited (SPANDANA) has a market capitalisation of ₹2,736.30 Cr on NSE.

What is the P/E ratio of SPANDANA?

SPANDANA trades at a trailing price-to-earnings (P/E) ratio of -2.13. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.14.

What is the return on equity (ROE) of SPANDANA?

SPANDANA has a return on equity (ROE) of -32.83%. Its return on capital employed (ROCE) is -4.91%.

Is SPANDANA a good stock to buy?

This page provides a data-driven analysis of Spandana Sphoorty Financial Limited (SPANDANA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

Explore More

📊 Financial Services Sector 🔍 All Stock Screens 📈 Technical Screens 💰 Fundamental Screens 🔄 Swing Trading Setups 📐 Chart Patterns 📅 Earnings Calendar 📋 All India Stocks
⚙Ad space