Spandana Sphoorty Financial Ltd

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

Spandana Sphoorty Financial Ltd

₹ 254 -3.24%
04 Aug 12:53 p.m.
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 ₹ 2,044 Cr.
  • Current Price ₹ 254
  • High / Low ₹ 320 / 181
  • Stock P/E
  • Book Value ₹ 247
  • Dividend Yield 0.00 %
  • ROCE -5.02 %
  • ROE -25.9 %
  • 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.
  • The company has delivered a poor sales growth of -8.89% over past five years.
  • Company has a low return on equity of -12.7% over last 3 years.
  • Earnings include an other income of Rs.51.5 Cr.
  • Promoter holding has decreased over last 3 years: -14.2%

* 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 Financial Services BSE 1000

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
487 584 591 631 663 636 509 374 262 199 207 238 262
Interest 195 223 241 239 246 245 213 172 139 111 104 122 129
155 231 217 255 370 678 834 745 561 379 219 120 126
Financing Profit 137 131 133 138 47 -287 -538 -542 -438 -291 -115 -4 7
Financing Margin % 28% 22% 23% 22% 7% -45% -106% -145% -167% -146% -56% -2% 3%
15 30 30 32 26 19 16 3 2 9 9 15 18
Depreciation 3 5 6 7 4 5 5 6 3 3 3 3 2
Profit before tax 149 156 158 164 69 -272 -526 -545 -439 -286 -109 8 23
Tax % 25% 25% 25% 25% 26% -25% -25% -25% -25% -24% -24% 34% 30%
111 116 118 122 51 -204 -394 -410 -329 -218 -83 5 16
EPS in Rs 12.59 13.16 13.36 13.78 5.78 -22.99 -44.41 -46.24 -37.08 -24.59 -9.31 0.62 1.81
Gross NPA % 1.49% 1.27% 1.50% 1.43% 2.60% 4.88% 4.85% 4.85% 4.88% 4.97% 2.60% 3.33%
Net NPA % 0.45% 0.38% 0.45% 0.29% 0.52% 0.97% 0.96% 0.96% 0.96% 0.97% 0.50% 0.64%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
303 345 378 587 1,036 1,409 1,444 1,376 1,329 2,280 2,181 907 906
Interest 112 129 150 232 358 357 419 515 447 900 879 479 466
104 219 196 67 207 477 860 803 919 841 2,621 1,276 844
Financing Profit 87 -4 32 288 471 575 164 58 -37 539 -1,319 -848 -403
Financing Margin % 29% -1% 9% 49% 45% 41% 11% 4% -3% 24% -60% -94% -45%
22 251 22 0 5 32 21 15 66 107 64 36 52
Depreciation 3 4 8 6 7 9 7 9 11 20 19 13 11
Profit before tax 106 243 46 283 469 598 178 65 18 626 -1,274 -825 -363
Tax % 1% 0% -873% 34% 34% 44% 27% 28% 32% 25% -25% -24%
105 243 443 188 309 337 129 47 12 468 -957 -624 -279
EPS in Rs 41.38 95.76 125.26 50.80 41.61 42.09 16.12 5.43 1.40 52.75 -107.86 -70.36 -31.47
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 10%
5 Years: -9%
3 Years: -12%
TTM: -49%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 79%
Stock Price CAGR
10 Years: %
5 Years: -15%
3 Years: -31%
1 Year: 3%
Return on Equity
10 Years: %
5 Years: -7%
3 Years: -13%
Last Year: -26%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 20 20 28 30 60 64 64 69 71 71 71 80
Reserves -864 -627 -2 216 1,827 2,544 2,652 2,962 2,972 3,485 2,551 2,114
Borrowing 1,831 1,710 1,834 3,477 2,945 3,016 5,197 3,631 5,934 9,012 5,197 3,824
1,365 997 68 42 67 317 433 201 208 301 189 159
Total Liabilities 2,352 2,100 1,929 3,764 4,898 5,942 8,346 6,864 9,186 12,870 8,008 6,177
6 14 9 8 9 16 20 14 29 32 26 16
CWIP 6 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 2 65 550 115 115 306 329 425 429
2,341 2,085 1,920 3,754 4,824 5,375 8,211 6,736 8,850 12,509 7,557 5,732
Total Assets 2,352 2,100 1,929 3,764 4,898 5,942 8,346 6,864 9,186 12,870 8,008 6,177

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-182 114 -59 -1,855 -650 -54 -1,618 820 -2,053 -2,327 3,783 506
-7 -10 -1 -6 -59 -485 514 45 -178 -257 -200 178
222 -128 315 1,673 752 447 2,181 -1,272 2,317 3,159 -3,761 -1,171
Net Cash Flow 33 -24 255 -188 43 -92 1,077 -407 86 575 -179 -487
Free Cash Flow -190 104 -62 -1,860 -657 -58 -1,630 809 -2,065 -2,350 3,770 505
CFO/OP -92% 91% -38% -342% -77% -4% -264% 179% -492% -155% -874% -137%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 138% 29% 15% 5% 2% 0% 14% -31% -26%

Insights

In beta
Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Active Borrowers
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Assets Under Management (AUM)
Rs Crore
Disbursements
Rs Crore
Number of Branches
Count
Gross Non-Performing Assets (GNPA)
%
Number of Loan Officers
Count
X-bucket Net Collection Efficiency
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
60.41% 59.89% 59.75% 56.85% 55.84% 48.13% 48.13% 48.13% 48.16% 48.16% 48.16% 48.16%
18.74% 19.05% 21.79% 22.83% 22.64% 21.71% 19.83% 19.80% 20.26% 20.35% 19.89% 19.29%
13.02% 13.45% 10.53% 8.96% 7.33% 6.30% 6.45% 5.65% 6.12% 5.78% 5.78% 5.68%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.01%
7.82% 7.62% 7.92% 11.35% 14.19% 23.86% 25.59% 26.43% 25.48% 25.72% 26.16% 26.87%
No. of Shareholders 20,70625,87035,70448,59673,88990,9841,23,0011,23,3801,20,4571,16,7551,13,0711,08,583

* 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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Documents

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