Spandana Sphoorty Financial Ltd

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

Spandana Sphoorty Financial Ltd

₹ 318 8.06%
15 Jul - 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 ₹ 2,271 Cr.
  • Current Price ₹ 318
  • High / Low ₹ 739 / 193
  • Stock P/E
  • Book Value ₹ 368
  • Dividend Yield 0.00 %
  • ROCE -3.91 %
  • ROE -31.0 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Stock is trading at 0.87 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.
  • Promoter holding has decreased over last 3 years: -14.5%

* 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 Nifty Microcap 250 Nifty Total Market

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
263 232 281 340 475 487 584 591 631 663 640 509 374
Interest 102 92 88 118 146 195 223 241 239 246 245 213 172
148 451 127 141 202 155 231 217 255 370 682 834 745
Financing Profit 13 -311 66 81 127 137 131 133 138 47 -287 -538 -542
Financing Margin % 5% -134% 24% 24% 27% 28% 22% 23% 22% 7% -45% -106% -145%
12 8 12 15 30 15 30 30 32 26 19 16 3
Depreciation 3 2 2 3 4 3 5 6 7 4 5 5 6
Profit before tax 23 -305 76 94 153 149 156 158 164 69 -272 -526 -545
Tax % 19% -27% 35% 26% 24% 25% 25% 25% 25% 26% -25% -25% -25%
18 -223 50 69 116 111 116 118 122 51 -204 -394 -410
EPS in Rs 2.64 -31.39 6.98 9.76 16.37 15.65 16.36 16.62 17.14 7.19 -28.60 -55.24 -57.53
Gross NPA % 17.70% 1.95% 1.49% 1.27% 1.50% 1.43% 2.60% 4.88% 4.85% 4.85%
Net NPA % 0.64% 0.45% 0.38% 0.45% 0.29% 0.52% 0.97% 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
280 303 345 378 587 1,036 1,409 1,444 1,376 1,329 2,300 2,181
Interest 100 112 129 150 232 358 357 419 515 447 900 876
113 104 219 196 67 207 477 860 803 919 861 2,625
Financing Profit 67 87 -4 32 288 471 575 164 58 -37 539 -1,319
Financing Margin % 24% 29% -1% 9% 49% 45% 41% 11% 4% -3% 23% -60%
1 22 251 22 0 5 32 21 15 66 107 64
Depreciation 3 3 4 8 6 7 9 7 9 11 20 19
Profit before tax 64 106 243 46 283 469 598 178 65 18 626 -1,274
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
EPS in Rs 33.18 51.57 119.35 155.86 63.17 51.77 52.35 20.05 6.75 1.74 65.62 -134.18
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: -5%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -305%
Stock Price CAGR
10 Years: %
5 Years: -13%
3 Years: -8%
1 Year: -56%
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
Equity Capital 19 20 20 28 30 60 64 64 69 71 71 71
Reserves -924 -864 -627 -2 216 1,827 2,544 2,652 2,962 2,972 3,485 2,551
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
1,482 1,365 997 68 42 67 317 433 201 208 301 189
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
4 6 14 9 8 9 16 20 14 29 32 26
CWIP 0 6 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 2 65 550 115 115 306 329 425
2,169 2,341 2,085 1,920 3,754 4,824 5,375 8,211 6,736 8,850 12,509 7,557
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

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 -2,503 3,783
50 -7 -10 -1 -6 -59 -485 514 45 -178 -10 -200
-320 222 -128 315 1,673 752 447 2,181 -1,272 2,317 3,089 -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

2 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
63.59% 63.03% 63.01% 63.00% 62.41% 60.41% 59.89% 59.75% 56.85% 55.84% 48.13% 48.13%
12.66% 13.13% 19.59% 20.24% 21.25% 18.74% 19.05% 21.79% 22.83% 22.64% 21.71% 19.83%
4.11% 8.41% 8.89% 8.43% 8.43% 13.02% 13.45% 10.53% 8.96% 7.33% 6.30% 6.45%
19.63% 15.43% 8.51% 8.32% 7.92% 7.82% 7.62% 7.92% 11.35% 14.19% 23.86% 25.59%
No. of Shareholders 26,57519,61417,77617,13018,95520,70625,87035,70448,59673,88990,9841,23,001

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls