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 -3.13%
04 Aug 12:00 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 ₹ 2,046 Cr.
  • Current Price ₹ 254
  • High / Low ₹ 320 / 181
  • Stock P/E
  • Book Value ₹ 240
  • Dividend Yield 0.00 %
  • ROCE -5.78 %
  • ROE -29.4 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Stock is trading at 1.06 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -7.14% over past five years.
  • Company has a low return on equity of -13.9% over last 3 years.
  • Earnings include an other income of Rs.58.0 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

Consolidated Figures in Rs. Crores / View Standalone

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
512 610 626 676 710 682 552 415 300 230 234 260 284
Interest 200 228 250 249 259 258 229 185 154 120 109 126 132
164 240 231 281 398 727 922 804 627 443 258 139 151
Financing Profit 148 142 145 145 52 -303 -600 -575 -480 -333 -133 -5 1
Financing Margin % 29% 23% 23% 22% 7% -44% -109% -139% -160% -145% -57% -2% 0%
16 30 31 34 27 20 18 4 4 10 11 17 19
Depreciation 3 5 6 7 4 5 6 7 4 4 4 4 3
Profit before tax 161 168 170 172 75 -289 -588 -578 -481 -327 -125 8 18
Tax % 26% 25% 25% 25% 26% -25% -25% -25% -25% -24% -24% 34% 32%
119 125 127 129 56 -216 -440 -434 -360 -249 -95 5 12
EPS in Rs 13.53 14.16 14.40 14.50 6.28 -24.39 -49.63 -48.96 -40.61 -28.09 -10.71 0.59 1.34
Gross NPA % 1.63% 1.40% 1.61% 1.50% 2.60% 4.86% 4.85% 5.63% 5.49% 5.60% 4.20% 3.80%
Net NPA % 0.49% 0.42% 0.48% 0.30% 0.53% 0.99% 0.98% 1.19% 1.15% 1.20% 0.90% 0.70%
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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 Mar 2026 TTM
587 1,043 1,435 1,483 1,463 1,401 2,401 2,355 1,024 1,007
Interest 232 360 360 426 542 460 930 936 511 487
67 208 482 872 832 989 890 2,844 1,465 991
Financing Profit 288 475 593 185 89 -48 581 -1,425 -952 -470
Financing Margin % 49% 46% 41% 12% 6% -3% 24% -61% -93% -47%
0 5 34 23 17 76 110 69 42 58
Depreciation 6 7 9 8 9 11 20 23 16 15
Profit before tax 283 473 618 200 97 18 671 -1,379 -925 -427
Tax % 34% 34% 43% 27% 28% 30% 25% -25% -24%
188 312 352 145 70 12 501 -1,035 -699 -327
EPS in Rs 50.80 42.02 43.93 18.13 8.09 1.39 56.44 -116.70 -78.82 -36.87
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: -7%
3 Years: -10%
TTM: -48%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 77%
Stock Price CAGR
10 Years: %
5 Years: -15%
3 Years: -31%
1 Year: 3%
Return on Equity
10 Years: %
5 Years: -8%
3 Years: -14%
Last Year: -29%

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 Mar 2026
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 2,049
Borrowing 3,477 2,968 3,025 5,373 3,772 6,074 9,425 5,656 3,943
42 75 326 455 217 209 313 205 174
Total Liabilities 3,764 4,932 5,977 8,577 7,076 9,383 13,383 8,494 6,246
8 27 34 38 31 47 52 52 39
CWIP 0 0 0 0 0 0 0 0 0
Investments 0 0 487 2 2 189 112 110 114
3,756 4,905 5,456 8,537 7,043 9,146 13,218 8,332 6,094
Total Assets 3,764 4,932 5,977 8,577 7,076 9,383 13,383 8,494 6,246

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 Mar 2026
-1,855 -573 -35 -1,754 863 -2,171 -2,679 3,681 882
-4 -33 -487 482 36 -175 -172 -132 165
1,673 650 434 2,348 -1,307 2,433 3,435 -3,712 -1,514
Net Cash Flow -186 44 -89 1,076 -408 86 585 -162 -466
Free Cash Flow -1,860 -581 -40 -1,766 851 -2,184 -2,704 3,659 880
CFO/OP -342% -67% -2% -274% 171% -517% -170% -767% -200%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 77% 29% 16% 5% 2% 0% 15% -33% -29%

Insights

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Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
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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
% ・Standalone data

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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