Spandana Sphoorty Financial Ltd
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.
- Market Cap ₹ 6,205 Cr.
- Current Price ₹ 870
- High / Low ₹ 1,243 / 574
- Stock P/E 13.4
- Book Value ₹ 462
- Dividend Yield 0.00 %
- ROCE 5.97 %
- ROE 0.41 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Promoter holding has decreased over last quarter: -0.52%
- Company has a low return on equity of 2.21% over last 3 years.
* 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
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 352 | 258 | 280 | 303 | 345 | 378 | 587 | 1,036 | 1,409 | 1,444 | 1,376 | 1,329 | 2,138 |
Interest | 281 | 6 | 100 | 112 | 129 | 150 | 232 | 358 | 357 | 419 | 515 | 447 | 805 |
341 | 1,427 | 113 | 104 | 219 | 196 | 67 | 207 | 477 | 860 | 803 | 919 | 805 | |
Financing Profit | -270 | -1,174 | 67 | 87 | -4 | 32 | 288 | 471 | 575 | 164 | 58 | -37 | 528 |
Financing Margin % | -77% | -455% | 24% | 29% | -1% | 9% | 49% | 45% | 41% | 11% | 4% | -3% | 25% |
5 | 14 | 1 | 22 | 251 | 22 | 0 | 5 | 32 | 21 | 15 | 66 | 105 | |
Depreciation | 4 | 3 | 3 | 3 | 4 | 8 | 6 | 7 | 9 | 7 | 9 | 11 | 17 |
Profit before tax | -270 | -1,163 | 64 | 106 | 243 | 46 | 283 | 469 | 598 | 178 | 65 | 18 | 616 |
Tax % | 0% | 0% | 0% | 1% | 0% | -873% | 34% | 34% | 44% | 27% | 28% | 32% | |
-270 | -1,163 | 64 | 105 | 243 | 443 | 188 | 309 | 337 | 129 | 47 | 12 | 462 | |
EPS in Rs | -139.23 | -599.88 | 33.18 | 51.57 | 119.35 | 155.86 | 63.17 | 51.77 | 52.35 | 20.05 | 6.75 | 1.74 | 65.00 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 18% |
5 Years: | 18% |
3 Years: | -2% |
TTM: | 91% |
Compounded Profit Growth | |
---|---|
10 Years: | 7% |
5 Years: | -42% |
3 Years: | -67% |
TTM: | 640% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 18% |
1 Year: | 50% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 7% |
3 Years: | 2% |
Last Year: | 0% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 19 | 19 | 19 | 20 | 20 | 28 | 30 | 60 | 64 | 64 | 69 | 71 | 71 |
Reserves | 192 | -970 | -924 | -864 | -627 | -2 | 216 | 1,827 | 2,544 | 2,652 | 2,887 | 2,972 | 3,215 |
Preference Capital | 906 | 941 | 894 | 808 | 791 | 901 | 1,145 | 0 | 0 | 0 | 0 | 0 | |
1,285 | 1,043 | 703 | 1,023 | 919 | 933 | 2,331 | 2,945 | 3,016 | 5,197 | 3,631 | 5,934 | 7,507 | |
1,440 | 2,486 | 2,375 | 2,173 | 1,788 | 969 | 1,188 | 67 | 317 | 433 | 276 | 208 | 141 | |
Total Liabilities | 2,936 | 2,577 | 2,173 | 2,352 | 2,100 | 1,929 | 3,764 | 4,898 | 5,942 | 8,346 | 6,864 | 9,186 | 10,934 |
10 | 7 | 4 | 6 | 14 | 9 | 8 | 9 | 16 | 20 | 14 | 29 | 33 | |
CWIP | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 65 | 550 | 115 | 115 | 306 | 246 |
2,925 | 2,571 | 2,169 | 2,341 | 2,085 | 1,920 | 3,754 | 4,824 | 5,375 | 8,211 | 6,736 | 8,850 | 10,656 | |
Total Assets | 2,936 | 2,577 | 2,173 | 2,352 | 2,100 | 1,929 | 3,764 | 4,898 | 5,942 | 8,346 | 6,864 | 9,186 | 10,934 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
477 | -143 | 173 | -182 | 114 | -59 | -1,855 | -650 | -54 | -1,618 | 820 | -2,053 | |
19 | 8 | 50 | -7 | -10 | -1 | -6 | -59 | -485 | 514 | 45 | -178 | |
-175 | -207 | -320 | 222 | -128 | 315 | 1,673 | 752 | 447 | 2,181 | -1,272 | 2,317 | |
Net Cash Flow | 322 | -342 | -97 | 33 | -24 | 255 | -188 | 43 | -92 | 1,077 | -407 | 86 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | -79% | 138% | 29% | 15% | 5% | 2% | 0% |
Documents
Announcements
- Board Meeting Intimation for The Management Committee Of The Board Of The Company Is Scheduled To Be Held On Wednesday, April 24, 2024 4h
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 4h
- Board Meeting Intimation for Notice Of The Board Meeting To Be Held On Monday, April 29, 2024. 2d
- Compliances-Half Yearly Communication - Debt Instruments 15 Apr
- Submission Of Compliance Certificate Under Regulation 7(3) SEBI (LODR) Regulations, 2015 For The Financial Year Ended March 31, 2024. 12 Apr
Annual reports
Concalls
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Oct 2019TranscriptNotesPPT
Registered Finance company Spandana Sphoorty Financial Ltd is registered as a NBFC-MFI with the Reserve Bank of India (RBI). They are recognized as India's largest Microfinance Institution in terms of PAT and the sixth largest across the globe.