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Spandana Sphoorty Financial Limited

Spandana Sphoorty Financial Limited

178.15
INR
-12.00
(-6.31%)
-56.38EPS
21.49BMarket Cap
Nov 02Next Earn
Spandana Sphoorty Financial Limited
BSE:SPANDANA
(Bombay Stock Exchange)

Recent

price

178.15

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
47.6
54.78
59.73
91.74
166.16
192.28
200.35
203.76
170.53
296.42
288.1
119.28
131.39
Revenue per Share
16.77
38.82
70.77
30
50.83
53.46
21.45
10.22
1.66
66.97
-138.05
-91.01
-56.37
Basic EPS, GAAP
-30.26
16.52
-9.86
-296.9
-94.73
-6.04
-261.65
124.88
-293.7
-361.81
488.02
114.36
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
-5.36
27.28
3.94
36.37
279.99
388.29
406.5
424.97
415.2
486.14
351.18
240.23
- -
Book Value per Share
-5.56
26.94
3.58
35.98
277.08
385.53
403.81
421.6
412.24
483.15
348.46
237.89
- -
Tangible Book Value per Share
63
63
63
63
61
66
68
68
74
75
75
77
78
Basic Weighted Avg Shares
2,983
3,433
3,743
5,748
10,193
12,641
13,549
13,846
12,680
22,158
21,601
9,163
10,210
Sales/Revenue/Turnover
37.18
73.29
47.7
43.51
49.71
67.17
55.97
34.82
32.25
29.63
18.94
-33.57
-22.39
Operating Margin (%)
33
37
83
57
70
88
76
92
109
204
227
162
148
Depreciation Expense
1,051
2,432
4,434
1,879
3,118
3,515
1,450
695
123
5,007
-10,351
-6,991
-4,380
Net Income, GAAP
0.74
- -
- -
33.52
34.12
43.11
27.43
27.92
30.47
25.33
- -
- -
- -
Effective Tax Rate (%)
35.24
70.86
118.48
32.7
30.59
27.8
10.71
5.02
0.97
22.59
-47.92
-76.3
-42.9
Profit Margin (%)
2,786
1,008
14,261
32,623
15,889
10,535
18,220
25,516
14,444
29,443
23,895
8,954
- -
Working Capital
3,752
- -
9,335
23,314
8,256
6,915
21,524
15,572
19,204
31,137
14,931
13,113
- -
LT Debt
-362
1,841
9,276
13,906
18,904
26,272
27,511
30,899
30,993
36,449
26,333
21,296
- -
Total Equity
- -
23.42
- -
6.69
7.01
6.14
1.15
0.01
-1.17
2.6
- -
- -
- -
Return on Invested Capital (%)
- -
23.28
- -
6.81
7.27
6.7
2.29
1.01
0.16
4.51
- -
- -
- -
Return on Capital (%)
- -
- -
420.99
138.21
29.21
15.57
5.4
2.38
0.4
14.85
-32.98
-29.36
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
26,314
- -
LT Borrowings
- -
13,113
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
80
89
80
Market Capitalization
21,556
16,394
21,488

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
36,499
- -
Cash, Cash Equivalents & STI
- -
13,662
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
27,545
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
26,314
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
51.68%
-3.33%
-19.13%
Free Cash Flow
615.08%
-158.55%
-75.99%
Net Income, GAAP
353.81%
698.7%
-32.46%
Sales/Revenue/Turnover
17.96%
1.69%
-57.58%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6,936
6,072
5,029
3,907
21,601
2026
2,837
- -
2,252
2,318
9,163
2027
2,802
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
7.43
-30.34
-61.73
-60.91
-138.05
2026
-50.52
- -
-11.88
0.66
-91.01
2027
1.49
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -
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Business
Spandana Sphoorty Financial Limited (SPANDANA.NS) is a non-banking financial company-microfinance institution (NBFC-MFI) that provides a diversified portfolio of financial products primarily to underserved rural and semi-urban customers in India, with a focus on women borrowers through joint liability group (JLG) microfinance loans; secured lending products including loans against property (offered via its wholly owned subsidiary Criss Financial Limited), loans against gold jewelry, and farm equipment loans; nano enterprise loans targeting small businesses; and individual loans for asset acquisition and income generation. The company operates across more than 17 states and 250 districts, emphasizing rural markets where over 94% of its portfolio is concentrated, with no single state exceeding 20% of assets under management to mitigate geographic risks. Founded in 2003 and headquartered in Hyderabad, Telangana, Spandana Sphoorty maintains stringent exposure caps at state, district, and branch levels while serving low-income households through its extensive branch network. In recent developments, the company has faced elevated credit costs at 19.7% in Q1 FY2026 and 16.5% in FY2025 due to technical write-offs, alongside a rating downgrade by ICRA reflecting liquidity pressures and higher borrowing costs reaching 11.9% in Q4 FY2025; however, collection efficiency improved to 98.7% for special mention (X-bucket) loans in September 2025, supporting a sequential disbursement increase to Rs 934 crore in Q2 FY2026 from Rs 280 crore in Q1 FY2026. Assets under management stood at Rs 4,088 crore as of September 30, 2025, with gross and net non-performing assets at 4.97% and 0.97%, respectively, amid industry challenges including a CEO transition and elevated operating costs from intensified collections. The company raised Rs 4,482 crore in borrowings during FY2025 from 51 lenders, including banks (54% of mix), NBFCs, and development financial institutions, while issuing a rights issue letter of offer in July 2025 to bolster capital.