| Quarterly Financials | Jun 2018 | Sept 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sept 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sept 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
Revenue  | 230 | 257 | 293 | 269 | 305 | 366 | 359 | 440 | 327 | 354 | 344 | 480 | 435 | 396 | 350 | 299 | 259 | 310 | 375 | 533 | 527 | 640 | 657 | 710 | 737 | 702 | 573 | 419 | 304 | 240 |
| Expenses | 37 | 53 | 52 | 69 | 71 | 73 | 96 | 247 | 162 | 177 | 263 | 273 | 218 | 316 | 149 | 151 | 461 | 132 | 156 | 242 | 164 | 240 | 231 | 281 | 398 | 727 | 926 | 804 | 627 | 443 |
| EBITDA | 193 | 204 | 241 | 200 | 234 | 294 | 263 | 193 | 165 | 177 | 81 | 208 | 217 | 80 | 201 | 148 | -202 | 178 | 219 | 291 | 363 | 400 | 426 | 429 | 339 | -25 | -353 | -385 | -323 | -203 |
| Operating Profit % | 84 % | 79 % | 82 % | 74 % | 76 % | 80 % | 73 % | 43 % | 50 % | 49 % | 22 % | 43 % | 50 % | 20 % | 57 % | 47 % | -84 % | 56 % | 56 % | 51 % | 68 % | 61 % | 63 % | 58 % | 44 % | -7 % | -67 % | -94 % | -109 % | -93 % |
| Depreciation | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 2 | 2 | 3 | 2 | 2 | 3 | 4 | 3 | 5 | 6 | 7 | 4 | 5 | 6 | 7 | 4 | 4 |
| Interest | 81 | 89 | 98 | 90 | 89 | 100 | 85 | 83 | 85 | 84 | 116 | 138 | 143 | 150 | 139 | 108 | 97 | 91 | 121 | 149 | 200 | 228 | 250 | 249 | 259 | 258 | 229 | 185 | 154 | 120 |
| Profit Before Tax | 111 | 114 | 142 | 108 | 143 | 192 | 176 | 109 | 78 | 91 | -37 | 67 | 71 | -72 | 60 | 38 | -301 | 84 | 96 | 139 | 161 | 168 | 170 | 172 | 75 | -289 | -588 | -578 | -481 | -327 |
| Tax | 39 | 40 | 49 | 34 | 49 | 146 | 46 | 25 | 19 | 25 | -7 | 18 | 16 | -13 | 14 | 9 | -81 | 29 | 25 | 33 | 41 | 42 | 43 | 44 | 19 | -72 | -147 | -143 | -121 | -78 |
| Net Profit | 72 | 74 | 93 | 74 | 93 | 46 | 130 | 83 | 59 | 67 | -30 | 49 | 55 | -59 | 45 | 29 | -220 | 55 | 71 | 106 | 120 | 125 | 127 | 129 | 56 | -216 | -440 | -434 | -360 | -249 |
| EPS in ₹ | 12.03 | 12.34 | 15.57 | 12.35 | 15.67 | 7.38 | 20.20 | 12.90 | 9.16 | 10.38 | -4.62 | 7.63 | 8.39 | -9.01 | 6.99 | 4.35 | -31.42 | 7.78 | 10.05 | 14.87 | 16.83 | 17.63 | 17.91 | 18.06 | 7.81 | -30.34 | -61.73 | -60.91 | -50.52 | -32.76 |
Spandana Sphoorty Financial
Spandana Sphoorty Financial
280.55
-2.10
(-0.74%)
Key Fundamentals
Market Cap
2,000.47 Cr
EPS
-145.17
PE Ratio
-1.35
Dividend Yield
0.00 %
Industry
Financial Services 52 Week High
494.18
52 Week Low
183.54
PB Ratio
0.91
Debt to Equity
2.40
Sector
Microfinance Analyst Rating and Forecast
- By Refinitiv from4 analysts
Actual
Company News
View All News
Spandana Sphoorty Financial Limited has fully utilized Rs. 195.02 crore from its Rs. 400 crore rights issue for business funding requirements, with CARE Ratings confirming no deviation from stated objectives for the quarter ended September 30, 2025. The microfinance company shows signs of recovery with improved collection efficiency and increased disbursement volumes, though it remains in breach of some financial covenants affecting Rs. 432 crore of outstanding borrowings.
K Venkatesh, who heads the microfinance institution (MFI) division at HDFC Bank, is set to join Spandana Sphoorty as Chief Executive Officer. This leadership change brings banking sector experience to the microfinance company.
Spandana Sphoorty Reports Q2 Loss of Rs 249 Crores Despite Improved Collection Efficiency
Nov 05, 2025
Nov 05, 2025Spandana Sphoorty Financial Limited reported a net loss of Rs 249 crores for Q2 FY26, compared to previous performance metrics. The company showed operational improvements with X-bucket collection efficiency rising to 98.7% in September from 97.9% in June, though it declined slightly to 98.5% in October due to fewer working days and festive season impacts. Disbursements increased significantly to Rs 934 crores in Q2 from Rs 280 crores in Q1. The company's Assets Under Management (AUM) stood at Rs 4,088 crores at quarter-end. Gross NPA was reported at 5.62% at enterprise level and 4.97% on standalone basis. Net NPA stood at 1.17% for enterprise and 0.97% standalone. The company maintained strong liquidity with Rs 1,179 crores representing 21% of total assets. Net Interest Income for the quarter was Rs 91 crores. The company completed a rights issue raising Rs 200 crores and additional debt funding of Rs 598 crores over two months. Pre-Provision Operating Profit was negative at Rs 40 crores. The company closed or merged 101 branches during H1 FY26 as part of operational rationalization. Management expects to achieve positive PPOP in coming quarters and projects 20% AUM growth with 2.5-3% credit costs for FY27.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
1,321.20 | #1 21,119.25 | 159.35 | #1 5,756.10 | 11.28 | #1 531 | -32.40 | 42.92 | |
172.27 | 2,937.07 | #1 -8.15 | 2,564.40 | 13.71 | -223 | -50.49 | 57.62 | |
280.55 | #3 2,000.47 | #3 -1.35 | #4 2,424.10 | #5 -3.45 | #4 -1,035 | #3 -15.21 | 66.22 | |
168.66 | 1,703.87 | -1.73 | 2,368.90 | -1.80 | -1,225 | #1 92.75 | 38.30 | |
152.35 | 1,683.03 | 12.82 | 2,601.90 | #1 16.13 | 186 | 19.02 | 52.82 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
-3.45 %
Net Income Growth
-306.75 %
Cash Flow Change
236.95 %
ROE
-386.10 %
ROCE
-144.11 %
EBITDA Margin (Avg.)
-127.13 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 | 8,494 |
| Fixed Assets | 9 | 27 | 34 | 38 | 31 | 47 | 52 | 52 |
| Current Assets | 282 | 437 | 472 | 1,499 | 1,340 | 1,190 | 2,071 | 2,149 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 488 | 2 | 2 | 189 | 112 | 110 |
| Other Assets | 3,756 | 4,905 | 5,456 | 8,537 | 7,043 | 9,146 | 13,218 | 8,332 |
| Total Liabilities | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 | 8,494 |
| Current Liabilities | 42 | 74 | 330 | 453 | 214 | 374 | 313 | 205 |
| Non Current Liabilities | 2,331 | 2,968 | 3,020 | 5,373 | 3,772 | 5,910 | 9,425 | 5,656 |
| Total Equity | 1,391 | 1,890 | 2,627 | 2,751 | 3,090 | 3,099 | 3,645 | 2,633 |
| Reserve & Surplus | 216 | 1,830 | 2,562 | 2,685 | 2,944 | 3,028 | 3,573 | 2,562 |
| Share Capital | 30 | 60 | 64 | 64 | 69 | 71 | 71 | 71 |
Cash Flow
| Cash Flow | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | -186 | 44 | -89 | 1,076 | -408 | 86 | 585 | -162 |
| Investing Activities | -4 | -33 | -487 | 482 | 36 | -175 | -172 | -119 |
| Operating Activities | -1,855 | -573 | -35 | -1,754 | 863 | -2,171 | -2,679 | 3,669 |
| Financing Activities | 1,673 | 650 | 434 | 2,348 | -1,307 | 2,433 | 3,435 | -3,712 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | May 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Aug 2025 | Sept 2025 |
| Promoter | 62.38 % | 62.38 % | 62.29 % | 62.29 % | 62.62 % | 63.59 % | 63.59 % | 63.03 % | 63.01 % | 63.00 % | 62.41 % | 60.41 % | 59.89 % | 59.75 % | 56.85 % | 55.83 % | 48.13 % | 48.13 % | 48.13 % | 48.16 % | 48.16 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 5.42 % | 5.42 % | 5.42 % | 3.15 % | 19.05 % | 21.79 % | 22.83 % | 22.64 % | 21.71 % | 19.83 % | 19.79 % | 20.26 % | 20.25 % |
| DIIs | 0.44 % | 0.46 % | 0.46 % | 0.46 % | 0.41 % | 0.40 % | 0.40 % | 8.56 % | 8.99 % | 8.48 % | 8.43 % | 9.61 % | 13.44 % | 10.54 % | 8.97 % | 7.33 % | 6.31 % | 6.45 % | 5.65 % | 6.18 % | 6.12 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 3.68 % | 4.63 % | 4.25 % | 5.94 % | 6.58 % | 6.03 % | 5.87 % | 5.38 % | 4.95 % | 4.87 % | 5.70 % | 5.55 % | 5.60 % | 6.17 % | 9.03 % | 11.84 % | 21.24 % | 22.44 % | 23.11 % | 21.60 % | 21.87 % |
| Others | 33.51 % | 32.54 % | 33.01 % | 31.31 % | 30.39 % | 29.98 % | 30.13 % | 23.03 % | 17.63 % | 18.22 % | 18.03 % | 21.27 % | 2.02 % | 1.75 % | 2.32 % | 2.35 % | 2.61 % | 3.15 % | 3.31 % | 3.80 % | 3.60 % |
| No of Share Holders | 17,191 | 22,610 | 21,946 | 25,482 | 29,408 | 26,207 | 26,575 | 19,614 | 17,776 | 17,130 | 18,955 | 20,706 | 25,870 | 35,704 | 48,596 | 73,889 | 90,984 | 1,23,001 | 1,23,380 | 1,21,469 | 1,20,457 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 30 Jul 2024 |  Annual General Meeting | NA | 30 Jul 2024 | 698.03 | 634.60 |
| 28 Oct 2024 |  Quarterly Result Announcement | NA | 28 Oct 2024 | 480.12 | 431.80 |
| 23 Jan 2025 | Quarterly Result Announcement | NA | 23 Jan 2025 | 336.71 | 341.36 |
| 30 May 2025 | Quarterly Result Announcement | NA | 30 May 2025 | 275.17 | 274.37 |
| 24 Jul 2025 |  Rights | 10:41 | 24 Jul 2025 | 291.48 | 291.62 |
| 14 Aug 2025 | Quarterly Result Announcement | NA | 14 Aug 2025 | 244.65 | 246.75 |
| 16 Sept 2025 | Annual General Meeting | NA | 16 Sept 2025 | 245.55 | 260.07 |
| 31 Oct 2025 | Quarterly Result Announcement | NA | 31 Oct 2025 | 247.80 | 259.45 |
Announcements
Announcement under Regulation 30 (LODR)-Monitoring Agency Report5 days ago
5 days agoClarification - Movement In Volume Of Shares Of The Company.7 days ago
7 days agoClarification sought from Spandana Sphoorty Financial Ltd7 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call TranscriptNov 05, 2025
Nov 05, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 01, 2025
Nov 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 31, 2025
Oct 31, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 31, 2025
Oct 31, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 31, 2025
Oct 31, 2025Board Meeting Outcome for Outcome Of The Board Meeting Of The Company Held On Friday October 31 2025Oct 31, 2025
Oct 31, 2025Unaudited Financial Results For Quarter And Half Year Ended September 30 2025Oct 31, 2025
Oct 31, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 28, 2025
Oct 28, 2025Board Meeting Intimation for Quarter And Half Year Ended September 30 2025.Oct 27, 2025
Oct 27, 2025Announcement under Regulation 30 (LODR)-AllotmentOct 24, 2025
Oct 24, 2025Board Meeting Outcome for Outcome Of Management Committee Meeting Held On October 13 2025Oct 13, 2025
Oct 13, 2025Announcement under Regulation 30 (LODR)-Change in ManagementOct 11, 2025
Oct 11, 2025Grant Of EsopsOct 08, 2025
Oct 08, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Oct 08, 2025Board Meeting Intimation for Meeting Of The Management Committee Of The Board Of Directors Of Spandana Sphoorty Financial Limited Is Scheduled To Be Held On Monday October 13 2025.Oct 08, 2025
Oct 08, 2025Closure of Trading WindowSep 26, 2025
Sep 26, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMSep 18, 2025
Sep 18, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportSep 18, 2025
Sep 18, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMSep 16, 2025
Sep 16, 2025Disclosures under Reg. 29(1) of SEBI (SAST) Regulations 2011Sep 13, 2025
Sep 13, 2025Announcement under Regulation 30 (LODR)-Change in ManagementSep 08, 2025
Sep 08, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 29, 2025
Aug 29, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 23, 2025
Aug 23, 2025Business Responsibility and Sustainability Reporting (BRSR)Aug 22, 2025
Aug 22, 2025Reg. 34 (1) Annual Report.Aug 22, 2025
Aug 22, 2025Notice Of The Twenty-Second (22Nd) Annual General Meeting (AGM) And Annual Report 2024-25.Aug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 21, 2025
Aug 21, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 21, 2025
Aug 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 17, 2025
Aug 17, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 15, 2025
Aug 15, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 14, 2025
Aug 14, 2025Financial Results For Q1FY26Aug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Investor PresentationAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 14, 2025
Aug 14, 2025Board Meeting Outcome for Outcome Of The Board Meeting For Unaudited Financial Results Of The Company For Q1FY26.Aug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-AllotmentAug 12, 2025
Aug 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 11, 2025
Aug 11, 2025Board Meeting Intimation for Meeting Of The Board Of Directors Of The Company Is Scheduled To Be Held On Thursday August 14 2025Aug 11, 2025
Aug 11, 2025Tenure Of Secretarial AuditorAug 08, 2025
Aug 08, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 29, 2025
Jul 29, 2025Corporate Action- Fixes Record Date For Rights Issue.Jul 18, 2025
Jul 18, 2025Board Meeting Outcome for Outcome Of The Meeting Of The Board Of Directors Of Spandana Sphoorty Financial Limited Held On July 18 2025.Jul 18, 2025
Jul 18, 2025Board Meeting Intimation for Notice Of The Meeting Of The Board Of Directors Of Spandana Sphoorty Financial Limited (The Company) To Be Held On July 18 2025.Jul 15, 2025
Jul 15, 2025Mutual Fund Holdings
| Funding House | Current Holding % | 1M Change | 1M Change % | 3M Change % | Last 6M Trend |
|---|---|---|---|---|---|
 Angel One Nifty Total Market Index Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Bandhan Nifty Total Market Index Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Groww Nifty Total Market Index Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% | |
 JM ELSS Tax Saver Fund Direct Plan-Growth | 0.96% | 0 | -0.04% | -0.02% | |
| JM Value Fund Direct Plan-Growth | 0.47% | 0 | 0.00% | 0.02% | |
 LIC MF Banking & Financial Services Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Mirae Asset Nifty Total Market Index Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Motilal Oswal Nifty Microcap 250 Index Fund Direct - Growth | 0.00% | 0 | 0.00% | -0.11% |
Technical Indicators
RSI(14)
Neutral 67.91
ATR(14)
Volatile 12.94
STOCH(9,6)
Neutral 56.24
STOCH RSI(14)
Overbought 94.64
MACD(12,26)
Bullish 4.30
ADX(14)
Strong Trend 26.31
UO(9)
Bearish 46.80
ROC(12)
Uptrend And Accelerating 9.19
WillR(14)
Overbought -4.43
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