Spandana Sphoorty Financial Ltd

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

Spandana Sphoorty Financial Ltd

₹ 260 -3.96%
01 Aug - 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 ₹ 2,302 Cr.
  • Current Price ₹ 260
  • High / Low ₹ 616 / 184
  • Stock P/E
  • Book Value ₹ 297
  • Dividend Yield 0.00 %
  • ROCE -4.18 %
  • ROE -33.0 %
  • 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 -5.44% over last 3 years.
  • Promoter holding has decreased over last 3 years: -15.5%

* 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

Consolidated Figures in Rs. Crores / View Standalone

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
287 250 298 355 498 512 610 626 676 710 686 555 415
Interest 108 97 91 121 149 200 228 250 249 259 258 229 185
151 461 132 156 242 164 240 231 281 398 731 926 804
Financing Profit 28 -307 74 78 107 148 142 145 145 52 -303 -600 -575
Financing Margin % 10% -123% 25% 22% 22% 29% 23% 23% 22% 7% -44% -108% -139%
12 9 12 20 35 16 30 31 34 27 20 18 4
Depreciation 3 2 2 3 4 3 5 6 7 4 5 6 7
Profit before tax 38 -301 84 96 139 161 168 170 172 75 -289 -588 -578
Tax % 24% -27% 35% 26% 24% 26% 25% 25% 25% 26% -25% -25% -25%
29 -220 55 71 106 119 125 127 129 56 -216 -440 -434
EPS in Rs 3.31 -24.89 6.25 8.08 11.96 13.53 14.16 14.40 14.50 6.28 -24.39 -49.63 -48.96
Gross NPA % 7.37% 5.31% 2.07% 1.63% 1.40% 1.61% 1.50% 2.60% 4.86% 4.85% 5.63%
Net NPA % 3.84% 2.52% 0.64% 0.49% 0.42% 0.48% 0.30% 0.53% 0.99% 0.98% 1.19%
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
587 1,043 1,435 1,483 1,463 1,401 2,424 2,355
Interest 232 360 360 426 542 460 930 932
67 208 482 872 832 989 913 2,848
Financing Profit 288 475 593 185 89 -48 581 -1,425
Financing Margin % 49% 46% 41% 12% 6% -3% 24% -61%
0 5 34 23 17 76 110 69
Depreciation 6 7 9 8 9 11 20 23
Profit before tax 283 473 618 200 97 18 671 -1,379
Tax % 34% 34% 43% 27% 28% 30% 25% -25%
188 312 352 145 70 12 501 -1,035
EPS in Rs 50.80 42.02 43.93 18.13 8.09 1.39 56.44 -116.70
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 10%
3 Years: 17%
TTM: -3%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -307%
Stock Price CAGR
10 Years: %
5 Years: -15%
3 Years: -15%
1 Year: -58%
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
Equity Capital 30 60 64 64 69 71 71 71
Reserves 216 1,830 2,562 2,685 3,018 3,028 3,573 2,562
Borrowing 3,477 2,968 3,025 5,373 3,772 6,074 9,425 5,656
42 75 326 455 217 209 313 205
Total Liabilities 3,764 4,932 5,977 8,577 7,076 9,383 13,383 8,494
8 27 34 38 31 47 52 52
CWIP 0 0 0 0 0 0 0 0
Investments 0 0 487 2 2 189 112 110
3,756 4,905 5,456 8,537 7,043 9,146 13,218 8,332
Total Assets 3,764 4,932 5,977 8,577 7,076 9,383 13,383 8,494

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 -2,707 3,669
-4 -33 -487 482 36 -175 86 -119
1,673 650 434 2,348 -1,307 2,433 3,205 -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 % 29% 16% 5% 2% 0% 15% -33%

Shareholding Pattern

Numbers in percentages

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
63.03% 63.01% 63.00% 62.41% 60.41% 59.89% 59.75% 56.85% 55.84% 48.13% 48.13% 48.13%
13.13% 19.59% 20.24% 21.25% 18.74% 19.05% 21.79% 22.83% 22.64% 21.71% 19.83% 19.80%
8.41% 8.89% 8.43% 8.43% 13.02% 13.45% 10.53% 8.96% 7.33% 6.30% 6.45% 5.65%
15.43% 8.51% 8.32% 7.92% 7.82% 7.62% 7.92% 11.35% 14.19% 23.86% 25.59% 26.43%
No. of Shareholders 19,61417,77617,13018,95520,70625,87035,70448,59673,88990,9841,23,0011,23,380

* 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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DRHP

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