Spandana Sphoorty Financial Ltd

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

Spandana Sphoorty Financial Ltd

₹ 258 -1.34%
13 Feb - 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 ₹ 2,063 Cr.
  • Current Price ₹ 258
  • High / Low ₹ 331 / 184
  • Stock P/E
  • Book Value ₹ 251
  • Dividend Yield 0.00 %
  • ROCE -4.14 %
  • ROE -33.0 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Stock is trading at 1.03 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of -5.44% over last 3 years.
  • Company's cost of borrowing seems high
  • Promoter holding has decreased over last 3 years: -14.8%

* 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 Allcap BSE Financial Services

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
355 498 512 610 626 676 710 682 552 415 300 230 234
Interest 121 149 200 228 250 249 259 258 229 185 154 120 109
156 242 164 240 231 281 398 727 922 804 627 443 258
Financing Profit 78 107 148 142 145 145 52 -303 -600 -575 -480 -333 -133
Financing Margin % 22% 22% 29% 23% 23% 22% 7% -44% -109% -139% -160% -145% -57%
20 35 16 30 31 34 27 20 18 4 4 10 11
Depreciation 3 4 3 5 6 7 4 5 6 7 4 4 4
Profit before tax 96 139 161 168 170 172 75 -289 -588 -578 -481 -327 -125
Tax % 26% 24% 26% 25% 25% 25% 26% -25% -25% -25% -25% -24% -24%
71 106 119 125 127 129 56 -216 -440 -434 -360 -249 -95
EPS in Rs 8.08 11.96 13.53 14.16 14.40 14.50 6.28 -24.39 -49.63 -48.96 -40.61 -28.09 -10.71
Gross NPA % 5.31% 2.07% 1.63% 1.40% 1.61% 1.50% 2.60% 4.86% 4.85% 5.63% 5.49% 5.60% 4.20%
Net NPA % 2.52% 0.64% 0.49% 0.42% 0.48% 0.30% 0.53% 0.99% 0.98% 1.19% 1.15% 1.20% 0.90%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
587 1,043 1,435 1,483 1,463 1,401 2,401 2,355 1,179
Interest 232 360 360 426 542 460 930 936 568
67 208 482 872 832 989 890 2,844 2,132
Financing Profit 288 475 593 185 89 -48 581 -1,425 -1,521
Financing Margin % 49% 46% 41% 12% 6% -3% 24% -61% -129%
0 5 34 23 17 76 110 69 29
Depreciation 6 7 9 8 9 11 20 23 19
Profit before tax 283 473 618 200 97 18 671 -1,379 -1,511
Tax % 34% 34% 43% 27% 28% 30% 25% -25%
188 312 352 145 70 12 501 -1,035 -1,139
EPS in Rs 50.80 42.02 43.93 18.13 8.09 1.39 56.44 -116.70 -128.37
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 10%
3 Years: 17%
TTM: -55%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -141%
Stock Price CAGR
10 Years: %
5 Years: -17%
3 Years: -23%
1 Year: -9%
Return on Equity
10 Years: %
5 Years: -2%
3 Years: -5%
Last Year: -33%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 30 60 64 64 69 71 71 71 80
Reserves 216 1,830 2,562 2,685 3,018 3,028 3,573 2,562 2,147
Borrowing 3,477 2,968 3,025 5,373 3,772 6,074 9,425 5,656 3,289
42 75 326 455 217 209 313 205 163
Total Liabilities 3,764 4,932 5,977 8,577 7,076 9,383 13,383 8,494 5,679
8 27 34 38 31 47 52 52 46
CWIP 0 0 0 0 0 0 0 0 0
Investments 0 0 487 2 2 189 112 110 89
3,756 4,905 5,456 8,537 7,043 9,146 13,218 8,332 5,544
Total Assets 3,764 4,932 5,977 8,577 7,076 9,383 13,383 8,494 5,679

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-1,855 -573 -35 -1,754 863 -2,171 -2,679 3,669
-4 -33 -487 482 36 -175 -172 -119
1,673 650 434 2,348 -1,307 2,433 3,435 -3,712
Net Cash Flow -186 44 -89 1,076 -408 86 585 -162

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 77% 29% 16% 5% 2% 0% 15% -33%

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
63.00% 62.41% 60.41% 59.89% 59.75% 56.85% 55.84% 48.13% 48.13% 48.13% 48.16% 48.16%
20.24% 21.25% 18.74% 19.05% 21.79% 22.83% 22.64% 21.71% 19.83% 19.80% 20.26% 20.35%
8.43% 8.43% 13.02% 13.45% 10.53% 8.96% 7.33% 6.30% 6.45% 5.65% 6.12% 5.78%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01%
8.32% 7.92% 7.82% 7.62% 7.92% 11.35% 14.19% 23.86% 25.59% 26.43% 25.48% 25.72%
No. of Shareholders 17,13018,95520,70625,87035,70448,59673,88990,9841,23,0011,23,3801,20,4571,16,755

* 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

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