🇮🇳 India Stock Screener ← Switch market ⚡ HerAI

Spandana Sphoorty Financial Limited SPANDANA NSEFINANCIAL

Financial Services · Credit Services · India
https://spandanasphoorty.com
Company Profile ↓
₹196.06
-20.06% 1Y
Mkt Cap₹2,055.22 Cr
P/E-4.61
P/B0.79
52W High₹310.55
52W Low₹184.15
Book Value₹266.68
EPS (TTM)₹-42.49

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; 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 ₹916.25 Cr (-57.6% YoY); net profit ₹-699.09 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -57.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR -10.3%, profit CAGR -1926.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-10.26%
1 Year:-57.58%

Compounded Profit Growth

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

Stock Price Performance

1 Year:-20.06%
6 Months:-10.18%
3 Months:-31.28%
1 Month:-14.48%

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

Technical Snapshot Bearish
52-Week Range 9% of range
₹184.15 ₹310.55
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)23.33 · Oversold
Price Performance
1M-14.48%
3M-31.28%
6M-10.18%
1Y-20.06%

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.

CONS

  • Revenue declined at -10.3% CAGR over 5 years.
  • Earnings shrank at -1926.3% CAGR over 5 years.
  • Trading 36.9% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).
  • RSI at 23 suggests oversold conditions.

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

⚙Ad space

Valuation

Stock P/E
-4.61
Industry PE
15.36
Forward P/E
4.67
PEG Ratio
-
Book Value
₹266.68
Price to Book
0.79
P/S
7.86
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
-10.26%
Profit 5Y
-1,926.35%
Revenue (YoY)
-57.58%
Earnings (YoY)
-

Profitability & Returns

ROCE
-26.47%
ROE
-32.83%
ROA
-11.19%
Profit Margin
-
Op Margin
10.18%
Gross Margin
100.00%
EPS (Latest Qtr)
₹1.49
EPS (TTM)
₹-42.49

Balance Sheet & Liquidity

Debt/Equity
1.85
Quick Ratio
1.33
Current Ratio
1.33
Debt
₹3,942.73 Cr
Total Assets
₹6,246.37 Cr
Current Assets
₹3,649.88 Cr
Working Capital
₹895.43 Cr

Ownership

Promoter Holding
58.69%
Chg in Prom Hold
-0.62%
FII / Inst Holding
7.57%
Chg in FII Hold
-1.31%

Financial Snapshot

Enterprise Value
₹2,055.22 Cr
Total Revenue (TTM)
₹281.48 Cr
EBITDA
₹-908.07 Cr
Free Cash Flow
₹878.45 Cr
Operating Cash Flow
₹882.47 Cr
Shares Outstanding
₹10.48 Cr
Gross Margin
100.00%
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 196.06 -4.61 ₹2,055.22 Cr 0.00% -26.47% -32.83% -10.26% -1,926.35%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
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 2026Jun 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 Cr280.24 Cr
Cost of Revenue -------412.72 Cr345.98 Cr299.47 Cr-252.90 Cr238.68 Cr238.30 Cr
Gross Profit -------90.20 Cr44.71 Cr-15.75 Cr--27.74 Cr-6.85 Cr41.94 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 Cr48.66 Cr
Operating Income -------8.86 Cr-3.09 Cr-79.12 Cr--87.40 Cr-55.38 Cr-6.72 Cr
EBITDA -------14.50 Cr4.11 Cr-74.88 Cr--83.46 Cr-51.34 Cr-4.16 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 Cr17.56 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 Cr5.68 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 Cr11.88 Cr
Diluted EPS 11.9613.5314.1614.4014.506.28-24.39-61.73-60.91-50.52-28.09-11.880.661.49

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 Cr2,160.11 Cr916.25 Cr
Cost of Revenue -----716.05 Cr1,332.68 Cr1,475.58 Cr964.91 Cr
Gross Profit -----551.96 Cr883.15 Cr684.53 Cr-48.66 Cr
Operating Expenses 67.00 Cr208.00 Cr482.00 Cr872.00 Cr-143.03 Cr226.51 Cr275.44 Cr258.92 Cr
Operating Income -----408.93 Cr656.64 Cr409.09 Cr-307.58 Cr
EBITDA -----29.67 Cr692.29 Cr-1,354.75 Cr-908.07 Cr
Interest Expense 232.00 Cr360.00 Cr360.00 Cr426.00 Cr-98.00 L1.31 Cr1.34 Cr1.21 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 50.8042.0243.9318.13-1.6565.98-138.06-91.01

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 Cr3,649.88 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 Cr4,286.32 Cr2,754.45 Cr
Long Term Debt -----1,920.42 Cr3,113.68 Cr1,493.13 Cr1,311.31 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%31.7%-5.3%
Operating Margin % -----32.2%29.6%18.9%-33.6%
Net Margin % 32.0%29.9%24.5%9.8%-1.0%22.6%-47.9%-76.3%
ROE % 76.4%16.5%13.4%5.3%-0.4%13.7%-39.3%-32.8%
ROCE % -----8.1%9.6%9.7%-8.8%

Shareholding Pattern

Insiders
58.69%
Institutions
7.57%
Public Float
18.33%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for SPANDANA

Google News Fri, 24 Jul 2026

Spandana Sphoorty Financial Ltd (BOM:542759) Q1 2027 Earnings Call Highlights: Strong AUM ... - Yahoo Finance Australia

<a href="https://news.google.com/rss/articles/CBMijAFBVV95cUxPWFZfQ1paLVlzOGZsVHJTSWpfN29uYTlHMkN1LWotLWJVNkhoZ0tWTklLZE9ad3dTcGYyak5MOXFpZFZ1Q1JpUkl2OTVxYXpBNUFrSmtGd2JjSGxWcXB1OW1BZ0hWc0NfMzhNalZkVVlSczNBdVZpWVY2WUxKT2ZTa1FRSnpEZVB2TVpGYQ…

Google News Sun, 30 Aug 2026

Spandana Sphoorty Financial Ltd. Shareholding Pattern – Promoters, FIIs & DIIs - Value Research

<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxOR2dpSWdEcjJDS05LN3Z1ZGE2QURwX0ZkXzJ4dW1GektIUHpiZldUSG9YeDZDa1Z1ZTNrSExiNDcwS0lMbFRkZzRETDRLTWcwRkZfM3lCZjZhMDNDYWhkM2UxbkZoYS1nUnVVWG8xVUJNQVFRdFQyMHg5VnBjeWluM2wtOE9mYVpoV0NMbl…

Google News Wed, 19 Aug 2026

Spandana Sphoorty sets August 19 record date for ₹115 per share final call - scanx.trade

<a href="https://news.google.com/rss/articles/CBMixAFBVV95cUxQNUxyRXdBVHdjemc4dzlEbEJlNnlybnhiWXNocFRYZGNBWUpNdzY1SGVzY0xBckRteGhnd1RLd2V6OHRsblRaMkxFUHdRT3FabVoxc3ZEUUl3Vm1QNDJkSURMdzRqUHRBYlpIVmRKZFh4dG9ROUY1VWZOcVZVN2tYeWZDTnowX0E2SWlPUG…

Google News ue, 18 Aug 2026

SSFLPP-E1.NS Interactive Stock Chart | SPANDANA RS.5 PPD UP Stock - Yahoo! Finance Canada

<a href="https://news.google.com/rss/articles/CBMiXEFVX3lxTE55LXBSMzlaNkI2QUFNN3U2YVlTRjBEaExjaExHeTktVENhUE9nb29LWkVfTGZaM290RlVsSGdHLVpRTGR5WlhCenZEVHpHOGdDNW1Db1ZWS3BUbHNk?oc=5" target="_blank">SSFLPP-E1.NS Interactive Stock Chart | SPAN…

Google News Fri, 24 Jul 2026

Spandana Sphoorty Share Price Falls After Q1 Results - Kalkine India

<a href="https://news.google.com/rss/articles/CBMixgFBVV95cUxNX2tGb3pxdkdYM1RPWW9NRnYwVjJOMjJvb0t5aERncVF0TkZPSVNfdEpiNlkwNHlDbTJsUFk4T1hBRnFyTWoyUVU2SUozd1BDaWxxckNkUFpCYmpRMTRxVF9aTUFsWk5zS1pXYkhzRUgyVG5lVWpleGhEZGhYOUdzWlJEYmh2UEljR25rTm…

Google News Mon, 10 Aug 2026

Spandana Sphoorty Share Pros and Cons 2026 | SPANDANA MFI Turnaround - Univest

<a href="https://news.google.com/rss/articles/CBMia0FVX3lxTFAzODloa2FKaVBwUlgtOTBoOWxjY2NaOVVMbFlfOC1DU3oyenJPTTY1eFU1NTNaQXFjamlCQ2xwaG5EMFg0UFNTTHV1UmZyai1nVlJjT0RZVFM0ODNfaHNrWGZlQnZsLUpBODln?oc=5" target="_blank">Spandana Sphoorty Share…

SPANDANA — Frequently Asked Questions

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

As of 2026-10-23 04:58 IST, Spandana Sphoorty Financial Limited (SPANDANA) trades at ₹196.06 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 ₹2,055.22 Cr on NSE.

What is the P/E ratio of SPANDANA?

SPANDANA trades at a trailing price-to-earnings (P/E) ratio of -4.61. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 0.79.

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 -26.47%.

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