Spandana Sphoorty Financial Ltd

Spandana Sphoort Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Spandana Sphoorty Financial Ltd

₹ 263 -0.85%
01 Dec - close price
spandanasphoorty.com BSE: 542759 NSE: SPANDANA
About

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.

Key Points

Product Offerings
The company is one of the largest microfinance institutions (MFIs) in India focusing on rural markets. Its offerings include: [1] [2]

Website BSE NSE
  • Market Cap ₹ 2,093 Cr.
  • Current Price ₹ 263
  • High / Low ₹ 494 / 184
  • Stock P/E
  • Book Value ₹ 257
  • Dividend Yield 0.00 %
  • ROCE -3.87 %
  • ROE -31.0 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Stock is trading at 1.02 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of -5.06% over last 3 years.
  • Company's cost of borrowing seems high
  • Promoter holding has decreased over last 3 years: -14.9%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Microfinance Institutions

Part of BSE SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
281 340 475 487 584 591 631 663 636 509 374 262 199
Interest 88 118 146 195 223 241 239 246 245 213 172 139 111
127 141 202 155 231 217 255 370 678 834 745 561 379
Financing Profit 66 81 127 137 131 133 138 47 -287 -538 -542 -438 -291
Financing Margin % 24% 24% 27% 28% 22% 23% 22% 7% -45% -106% -145% -167% -146%
12 15 30 15 30 30 32 26 19 16 3 2 9
Depreciation 2 3 4 3 5 6 7 4 5 5 6 3 3
Profit before tax 76 94 153 149 156 158 164 69 -272 -526 -545 -439 -286
Tax % 35% 26% 24% 25% 25% 25% 25% 26% -25% -25% -25% -25% -24%
50 69 116 111 116 118 122 51 -204 -394 -410 -329 -218
EPS in Rs 5.61 7.84 13.16 12.59 13.16 13.36 13.78 5.78 -22.99 -44.41 -46.24 -37.08 -24.59
Gross NPA % 1.95% 1.49% 1.27% 1.50% 1.43% 2.60% 4.88% 4.85% 4.85% 4.88%
Net NPA % 0.64% 0.45% 0.38% 0.45% 0.29% 0.52% 0.97% 0.96% 0.96% 0.96%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
280 303 345 378 587 1,036 1,409 1,444 1,376 1,329 2,280 2,181 1,345
Interest 100 112 129 150 232 358 357 419 515 447 900 879 635
113 104 219 196 67 207 477 860 803 919 841 2,621 2,519
Financing Profit 67 87 -4 32 288 471 575 164 58 -37 539 -1,319 -1,809
Financing Margin % 24% 29% -1% 9% 49% 45% 41% 11% 4% -3% 24% -60% -134%
1 22 251 22 0 5 32 21 15 66 107 64 30
Depreciation 3 3 4 8 6 7 9 7 9 11 20 19 17
Profit before tax 64 106 243 46 283 469 598 178 65 18 626 -1,274 -1,796
Tax % 0% 1% 0% -873% 34% 34% 44% 27% 28% 32% 25% -25%
64 105 243 443 188 309 337 129 47 12 468 -957 -1,351
EPS in Rs 26.68 41.38 95.76 125.26 50.80 41.61 42.09 16.12 5.43 1.40 52.75 -107.86 -152.32
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 22%
5 Years: 9%
3 Years: 17%
TTM: -47%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -1638%
Stock Price CAGR
10 Years: %
5 Years: -18%
3 Years: -21%
1 Year: -30%
Return on Equity
10 Years: %
5 Years: -2%
3 Years: -5%
Last Year: -31%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 19 20 20 28 30 60 64 64 69 71 71 71 80
Reserves -924 -864 -627 -2 216 1,827 2,544 2,652 2,962 2,972 3,485 2,551 2,199
Borrowing 1,596 1,831 1,710 1,834 3,477 2,945 3,016 5,197 3,631 5,934 9,012 5,197 3,072
1,482 1,365 997 68 42 67 317 433 201 208 301 189 150
Total Liabilities 2,173 2,352 2,100 1,929 3,764 4,898 5,942 8,346 6,864 9,186 12,870 8,008 5,501
4 6 14 9 8 9 16 20 14 29 32 26 21
CWIP 0 6 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 2 65 550 115 115 306 329 425 353
2,169 2,341 2,085 1,920 3,754 4,824 5,375 8,211 6,736 8,850 12,509 7,557 5,127
Total Assets 2,173 2,352 2,100 1,929 3,764 4,898 5,942 8,346 6,864 9,186 12,870 8,008 5,501

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
173 -182 114 -59 -1,855 -650 -54 -1,618 820 -2,053 -2,327 3,783
50 -7 -10 -1 -6 -59 -485 514 45 -178 -257 -200
-320 222 -128 315 1,673 752 447 2,181 -1,272 2,317 3,159 -3,761
Net Cash Flow -97 33 -24 255 -188 43 -92 1,077 -407 86 575 -179

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 138% 29% 15% 5% 2% 0% 14% -31%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
63.01% 63.00% 62.41% 60.41% 59.89% 59.75% 56.85% 55.84% 48.13% 48.13% 48.13% 48.16%
19.59% 20.24% 21.25% 18.74% 19.05% 21.79% 22.83% 22.64% 21.71% 19.83% 19.80% 20.26%
8.89% 8.43% 8.43% 13.02% 13.45% 10.53% 8.96% 7.33% 6.30% 6.45% 5.65% 6.12%
8.51% 8.32% 7.92% 7.82% 7.62% 7.92% 11.35% 14.19% 23.86% 25.59% 26.43% 25.48%
No. of Shareholders 17,77617,13018,95520,70625,87035,70448,59673,88990,9841,23,0011,23,3801,20,457

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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