WEBSITE BSE:542759 NSE: SPANDANA Inc. Year: 2003 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:59
Spandana Sphoorty Financial Ltd engages inside the microfinance commercial enterprise in India. The business enterprise provides income generation loans for low-income households; loans against property; personal loans for enterprise development, purchase of cattle, house creation/renovation, and other needs; gold loans for agriculture, business, and short term liquidity needs; and interim loans, in addition to enterprise loans. It also offers loans for women to amplify their current earnings-generating activities, smoothening household cash fl...Read More
Spandana Sphoorty Financial Ltd engages inside the microfinance commercial enterprise in India. The business enterprise provides income generation loans for low-income households; loans against property; personal loans for enterprise development, purchase of cattle, house creation/renovation, and other needs; gold loans for agriculture, business, and short term liquidity needs; and interim loans, in addition to enterprise loans. It also offers loans for women to amplify their current earnings-generating activities, smoothening household cash flows, and acquiring productive assets. The business enterprise serves low-earnings clients in semi-urban and rural areas with approximately 982 branches. Spandana Sphoorty Financial Ltd was founded in 1998 and is based totally in Hyderabad, India. ...Read Less
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Market Cap ₹2049 Cr.
Stock P/E -2
P/B 1
Current Price ₹231.1
Book Value ₹ 241.5
Face Value 10
52W High ₹317.8
Dividend Yield 0%
52W Low ₹ 182.5
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Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 610 | 626 | 669 | 707 | 682 | 552 | 415 | 300 | 230 | 234 |
| Other Income | 30 | 31 | 34 | 27 | 20 | 18 | 4 | 4 | 10 | 11 |
| Total Income | 640 | 657 | 703 | 734 | 702 | 569 | 419 | 304 | 239 | 246 |
| Total Expenditure | 240 | 231 | 274 | 395 | 727 | 922 | 804 | 627 | 443 | 258 |
| Operating Profit | 400 | 426 | 428 | 339 | -25 | -353 | -385 | -323 | -203 | -13 |
| Interest Expense | 228 | 250 | 249 | 259 | 258 | 229 | 185 | 154 | 120 | 109 |
| Depreciation | 5 | 6 | 7 | 4 | 5 | 6 | 7 | 4 | 4 | 4 |
| Profit Before Tax | 168 | 170 | 172 | 75 | -289 | -588 | -578 | -481 | -327 | -125 |
| Provision for Tax | 42 | 43 | 44 | 19 | -72 | -147 | -143 | -121 | -78 | -30 |
| Profit After Tax | 125 | 127 | 129 | 56 | -216 | -440 | -434 | -360 | -249 | -95 |
| Adjustments | -0 | -0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 125 | 127 | 129 | 56 | -216 | -440 | -434 | -360 | -249 | -95 |
| Adjusted Earnings Per Share | 16.8 | 17 | 17.2 | 7.4 | -28.8 | -58.7 | -57.9 | -48 | -31.2 | -11.9 |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 587 | 1043 | 1435 | 1483 | 1463 | 1401 | 2401 | 2355 | 1179 |
| Other Income | 36 | 483 | 244 | 26 | 17 | 463 | 133 | 109 | 29 |
| Total Income | 623 | 1526 | 1679 | 1508 | 1480 | 1863 | 2534 | 2464 | 1208 |
| Total Expenditure | 102 | 686 | 692 | 875 | 832 | 1375 | 913 | 2884 | 2132 |
| Operating Profit | 521 | 840 | 987 | 634 | 648 | 488 | 1621 | -420 | -924 |
| Interest Expense | 232 | 360 | 360 | 425 | 542 | 460 | 930 | 936 | 568 |
| Depreciation | 6 | 7 | 9 | 8 | 9 | 11 | 20 | 23 | 19 |
| Profit Before Tax | 283 | 473 | 618 | 200 | 97 | 18 | 671 | -1379 | -1511 |
| Provision for Tax | 95 | 162 | 267 | 55 | 27 | 5 | 170 | -344 | -372 |
| Profit After Tax | 188 | 312 | 352 | 145 | 70 | 12 | 501 | -1035 | -1138 |
| Adjustments | 0 | -0 | -0 | -0 | -0 | -0 | -0 | 0 | 0 |
| Profit After Adjustments | 188 | 312 | 351 | 145 | 69 | 12 | 501 | -1035 | -1138 |
| Adjusted Earnings Per Share | 60.1 | 49.7 | 52 | 21.4 | 9.6 | 1.6 | 66.8 | -138 | -149 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | -2% | 17% | 10% | 0% |
| Operating Profit CAGR | -126% | NAN% | NAN% | 0% |
| PAT CAGR | -307% | NAN% | NAN% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -25% | -25% | -14% | NA% |
| ROE Average | -34% | -6% | -2% | 5% |
| ROCE Average | -4% | 5% | 7% | 11% |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 1391 | 1889 | 2626 | 2749 | 3088 | 3099 | 3645 | 2633 |
| Minority's Interest | 0 | 1 | 1 | 2 | 2 | 0 | 0 | 0 |
| Borrowings | 2331 | 2968 | 3020 | 5373 | 3772 | 6074 | 3114 | 1493 |
| Current Liability | 42 | 73 | 327 | 451 | 210 | 203 | 6555 | 4306 |
| Other Liabilities & Provisions | -384 | -200 | -4 | -103 | -180 | -191 | -64 | -414 |
| Total Liabilities | 3380 | 4732 | 5970 | 8472 | 6892 | 9186 | 13250 | 8019 |
| Loans | 3090 | 4268 | 4977 | 6933 | 5518 | 7760 | 11014 | 5708 |
| Investments | 0 | 0 | 487 | 2 | 2 | 189 | 112 | 16 |
| Fixed Assets | 8 | 27 | 34 | 38 | 31 | 47 | 52 | 52 |
| Other Loans | 6 | 11 | 21 | 19 | 23 | 47 | 25 | 110 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 285 | 130 |
| Current Assets | 276 | 427 | 451 | 1480 | 1317 | 1143 | 1761 | 2002 |
| Total Assets | 3380 | 4732 | 5970 | 8472 | 6892 | 9186 | 13250 | 8019 |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 290 | 105 | 149 | 60 | 1135 | 727 | 814 | 1398 |
| Cash Flow from Operating Activities | -1855 | -573 | -35 | -1754 | 863 | -2171 | -2679 | 3669 |
| Cash Flow from Investing Activities | -4 | -33 | -487 | 482 | 36 | -175 | -172 | -119 |
| Cash Flow from Financing Activities | 1673 | 650 | 434 | 2348 | -1307 | 2433 | 3435 | -3712 |
| Net Cash Inflow / Outflow | -186 | 44 | -89 | 1076 | -408 | 86 | 585 | -162 |
| Closing Cash & Cash Equivalent | 105 | 149 | 60 | 1135 | 727 | 813 | 1398 | 1236 |
| # | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 60.07 | 49.73 | 51.97 | 21.45 | 9.56 | 1.65 | 66.78 | -138.04 |
| CEPS(Rs) | 61.9 | 50.85 | 53.33 | 22.64 | 10.87 | 3.12 | 69.51 | -135.02 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 444.4 | 300.66 | 387.35 | 404.26 | 411.88 | 409.22 | 477.83 | 340.85 |
| Net Profit Margin | 32 | 29.9 | 24.51 | 9.81 | 4.77 | 0.88 | 20.86 | -43.95 |
| Operating Margin | 87.7 | 79.86 | 68.17 | 42.22 | 43.64 | 34.08 | 66.66 | -18.79 |
| PBT Margin | 48.14 | 45.39 | 43.09 | 13.52 | 6.62 | 1.27 | 27.93 | -58.54 |
| ROA(%) | 5.56 | 7.69 | 6.58 | 2.01 | 0.91 | 0.15 | 4.46 | -9.73 |
| ROE(%) | 13.52 | 19.04 | 15.62 | 5.43 | 2.44 | 0.41 | 15.09 | -33.73 |
| ROCE(%) | 13.84 | 19.42 | 18.62 | 9.09 | 8.52 | 5.96 | 14.39 | -4.14 |
| Price/Earnings(x) | 0 | 0 | 10.74 | 26.8 | 33.06 | 307.1 | 12 | 0 |
| Price/Book(x) | 0 | 0 | 1.44 | 1.42 | 0.77 | 1.24 | 1.68 | 0.65 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 3.67 | 2.57 | 4.56 | 5.31 | 3.33 | 6.32 | 5.75 | 2.35 |
| EV/Core EBITDA(x) | 4.13 | 3.19 | 6.63 | 12.44 | 7.51 | 18.12 | 8.51 | -13.17 |
| Interest Earned Growth(%) | 0 | 77.61 | 37.6 | 3.3 | -1.34 | -4.24 | 71.38 | -1.89 |
| Net Profit Growth | 0 | 65.95 | 12.8 | -58.66 | -52 | -82.26 | 3941.32 | -306.73 |
| EPS Growth(%) | 0 | -17.22 | 4.51 | -58.73 | -55.42 | -82.75 | 3948.82 | -306.72 |
| Interest Coverage(x) % | 2.22 | 2.32 | 2.72 | 1.47 | 1.18 | 1.04 | 1.72 | -0.47 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 59.89 | 59.75 | 56.85 | 55.83 | 48.13 | 48.13 | 48.16 | 48.16 | 48.16 | 48.16 |
| FII | 19.05 | 21.79 | 22.83 | 22.64 | 21.71 | 19.83 | 20.26 | 20.25 | 20.35 | 19.89 |
| DII | 13.44 | 10.54 | 8.97 | 7.33 | 6.31 | 6.45 | 6.18 | 6.12 | 5.78 | 5.79 |
| Public | 7.62 | 7.92 | 11.35 | 14.19 | 23.85 | 25.59 | 25.41 | 25.47 | 25.71 | 26.16 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 4.26 | 4.26 | 4.05 | 3.98 | 3.43 | 3.43 | 4.27 | 4.27 | 4.27 | 4.27 |
| FII | 1.36 | 1.55 | 1.63 | 1.61 | 1.55 | 1.41 | 1.8 | 1.8 | 1.8 | 1.76 |
| DII | 0.96 | 0.75 | 0.64 | 0.52 | 0.45 | 0.46 | 0.55 | 0.54 | 0.51 | 0.51 |
| Public | 0.54 | 0.56 | 0.81 | 1.01 | 1.7 | 1.82 | 2.25 | 2.26 | 2.28 | 2.32 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 7.12 | 7.13 | 7.13 | 7.13 | 7.13 | 7.13 | 8.86 | 8.86 | 8.86 | 8.86 |
* The pros and cons are machine generated.
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