| 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 |
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 | 707 | 573 | 419 |
| 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 | 731 | 926 | 804 |
| 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 |
| 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 % |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Spandana Sphoorty Financial
260.65
-4.30
(-1.62%)
Q4 Quarterly Results are out. Check out the updated financials1 day ago
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Market Cap
1,858.57 Cr
EPS
70.42
PE Ratio
25.54
Dividend Yield
0.00 %
Industry
Financial Services52 Week High
803.50
52 Week Low
193.00
PB Ratio
0.72
Debt to Equity
2.30
Sector
Microfinance
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from7 analysts
Company News
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Spandana Sphoorty Financial Reports Q4 Net Loss of 4.1 Billion Rupees2 days ago
Spandana Sphoorty Financial has reported its Q4 financial results. The company experienced a net loss of 4.1 billion rupees, compared to a loss of 1.22 billion rupees in the same quarter last year. This represents an increase in losses. Sequentially, the loss increased from 3.9 billion rupees in the previous quarter. The company's revenue for Q4 was 3.7 billion rupees, down from 6.3 billion rupees in the same quarter of the previous year.
Spandana Sphoorty Financial Ltd: Q4 Loss of ₹434 Crore, Revenue Drops 38%5 days ago
Spandana Sphoorty Financial Ltd reported a Q4 FY25 net loss of ₹434.3 crore, compared to a profit of ₹128.6 crore in Q4 FY24. Revenue fell 38% to ₹414.8 crore. AUM declined 43% YoY to ₹6,819 crore. GNPA rose to 5.63% from 4.85% in Q3. FY25 ended with a net loss of ₹1,035 crore due to elevated credit costs.
Spandana Sphoorty Financial: Net Loss and Auditor Concerns Over Potential Fraud5 days ago
Spandana Sphoorty Financial reported a Q4 FY25 consolidated net loss of Rs 434 crore. The independent auditor flagged concerns about possible misstatements due to fraud. Gross NPAs rose to 5.63%. The company faced challenges in the microfinance industry, with AUM shrinking 43% YoY to Rs 6819 crore. The CEO resigned on April 23, and RBI is reportedly examining unreported frauds and cash balance mismatches.
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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 |
|---|---|---|---|---|---|---|---|---|
1,170.30 | #1 18,678.88 | 35.02 | #1 5,172.60 | 45.67 | #1 1,446 | -88.11 | 56.21 | |
127.37 | 2,171.56 | 8.35 | 2,285.50 | 58.02 | 450 | -434.81 | 38.40 | |
260.65 | #3 1,858.57 | #4 25.54 | #2 2,533.90 | #1 71.56 | #3 501 | #5 -437.45 | 37.93 | |
154.93 | 1,711.53 | 9.47 | 2,240.50 | 44.46 | 436 | #1 -82.92 | 40.10 | |
164.97 | 1,666.59 | #1 5.13 | 2,412.40 | 34.02 | 505 | -224.04 | 46.98 |
Automatic Screeners on ScanX
Forecast
Actual
Growth Rate
Revenue Growth
71.56 %
Net Income Growth
3,937.90 %
Cash Flow Change
-24.68 %
ROE
3,335.00 %
ROCE
134.66 %
EBITDA Margin (Avg.)
93.81 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Total Assets | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 |
| Fixed Assets | 9 | 27 | 34 | 38 | 31 | 47 | 52 |
| Current Assets | 282 | 437 | 472 | 1,499 | 1,340 | 1,190 | 2,071 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 488 | 2 | 2 | 189 | 112 |
| Other Assets | 3,756 | 4,905 | 5,456 | 8,537 | 7,043 | 9,146 | 13,218 |
| Total Liabilities | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 |
| Current Liabilities | 42 | 74 | 330 | 453 | 214 | 374 | 488 |
| Non Current Liabilities | 2,331 | 2,968 | 3,020 | 5,373 | 3,772 | 5,910 | 9,249 |
| Total Equity | 1,391 | 1,890 | 2,627 | 2,751 | 3,090 | 3,099 | 3,645 |
| Reserve & Surplus | 216 | 1,830 | 2,562 | 2,685 | 2,944 | 3,028 | 3,573 |
| Share Capital | 30 | 60 | 64 | 64 | 69 | 71 | 71 |
Cash Flow
| Cash Flow | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Net Cash Flow | -186 | 44 | -89 | 1,076 | -408 | 86 | 585 |
| Investing Activities | -4 | -33 | -487 | 482 | 36 | -175 | 86 |
| Operating Activities | -1,855 | -573 | -35 | -1,754 | 863 | -2,171 | -2,707 |
| Financing Activities | 1,673 | 650 | 434 | 2,348 | -1,307 | 2,433 | 3,205 |
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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
No dividends have been distributed by the company in the past 10 years
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 30 May 2025 |  Quarterly Result Announcement | NA | 30 May 2025 | 289.35 | 288.50 |
| 23 Jan 2025 | Quarterly Result Announcement | NA | 23 Jan 2025 | 354.05 | 358.95 |
| 28 Oct 2024 | Quarterly Result Announcement | NA | 28 Oct 2024 | 504.85 | 454.05 |
| 30 Jul 2024 |  Annual General Meeting | NA | 30 Jul 2024 | 734.00 | 667.30 |
Announcements
Announcement under Regulation 30 (LODR)-Newspaper Publication
4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome5 days ago
5 days agoCompliances-Reg.24(A)-Annual Secretarial Compliance5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Investor Presentation5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release (Revised)5 days ago
5 days agoBoard Meeting Outcome for Outcome Of Board Meeting Held On May 30 20255 days ago
5 days agoFinancial Results For Quarter And Year Ended March 31 20255 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation5 days ago
5 days agoClarification On Article Appearing In Media/Publication5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation8 days ago
8 days agoBoard Meeting Intimation for Considering And Approval Of Financial Results For The Period Ended March 31 2025 And Fund Raising8 days ago
8 days agoAnnouncement under Regulation 30 (LODR)-Newspaper PublicationMay 13, 2025
May 13, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotMay 12, 2025
May 12, 2025Announcement under Regulation 30 (LODR)-Amendments to Memorandum & Articles of AssociationMay 10, 2025
May 10, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 02, 2025
May 02, 2025Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure AApr 30, 2025
Apr 30, 2025Transcript Of Conference CallApr 29, 2025
Apr 29, 2025Rumour verification - Regulation 30(11)Apr 25, 2025
Apr 25, 2025Clarification sought from Spandana Sphoorty Financial LtdApr 25, 2025
Apr 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeApr 23, 2025
Apr 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 23, 2025
Apr 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 23, 2025
Apr 23, 2025Announcement under Regulation 30 (LODR)-Change in ManagementApr 23, 2025
Apr 23, 2025Announcement under Regulation 30 (LODR)-Resignation of Managing DirectorApr 23, 2025
Apr 23, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 08, 2025
Apr 08, 2025Announcement Under Regulation 30 (LODR)- Grant Of OptionsApr 06, 2025
Apr 06, 2025Announcement under Regulation 30 (LODR)-Credit RatingApr 05, 2025
Apr 05, 2025Closure of Trading WindowMar 26, 2025
Mar 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 11, 2025
Mar 11, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMar 05, 2025
Mar 05, 2025Announcement under Regulation 30 (LODR)-Change in ManagementMar 03, 2025
Mar 03, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportMar 03, 2025
Mar 03, 2025Announcement under Regulation 30 (LODR)-Credit RatingFeb 12, 2025
Feb 12, 2025Announcement under Regulation 30 (LODR)-Credit RatingFeb 11, 2025
Feb 11, 2025Announcement under Regulation 30 (LODR)-Credit RatingFeb 03, 2025
Feb 03, 2025Announcement under Regulation 30 (LODR)-Credit RatingFeb 03, 2025
Feb 03, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationFeb 01, 2025
Feb 01, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotJan 31, 2025
Jan 31, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJan 29, 2025
Jan 29, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJan 24, 2025
Jan 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJan 23, 2025
Jan 23, 2025Integrated Filing (Financial)Jan 23, 2025
Jan 23, 2025Financial Results For The Quarter Ended December 31 2024Jan 23, 2025
Jan 23, 2025Press releaseJan 23, 2025
Jan 23, 2025Investor presentationJan 23, 2025
Jan 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 20, 2025
Jan 20, 2025Board Meeting Intimation for Notice Of The Board MeetingJan 20, 2025
Jan 20, 2025Announcement Under Regulation 30 (LODR)- Grant Of OptionsJan 17, 2025
Jan 17, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jan 10, 2025
Jan 10, 2025Clarification On Email Received From BSE On January 8 2025 On Increase In Volume Of Shares Of The Company.Jan 08, 2025
Jan 08, 2025Technical Indicators
RSI(14)
Neutral 39.84
ATR(14)
Less Volatile 13.16
STOCH(9,6)
Neutral 30.28
STOCH RSI(14)
Oversold 0.00
MACD(12,26)
Bearish -3.45
ADX(14)
Weak Trend 11.55
UO(9)
Bearish 39.27
ROC(12)
Downtrend But Slowing Down -10.34
WillR(14)
Oversold -83.09
Mutual Fund Holdings
| Funding House | No of Shares | Current Holding % | 1M Change % | 3M Change % | Month | |
|---|---|---|---|---|---|---|
 JM ELSS Tax Saver Fund Direct Plan-Growth | 85000 | 1.24% | 0.15% | -0.04% | Apr 2025 | |
 LIC MF Banking & Financial Services Fund Direct-Growth | 50965 | 0.53% | 0.06% | -0.02% | Apr 2025 | |
 Motilal Oswal Nifty Microcap 250 Index Fund Direct - Growth | 92782 | 0.13% | 0.02% | 0.02% | Apr 2025 | |
| JM Focused Direct Plan-Growth | 0 | 0.00% | 0.00% | 0.00% | Apr 2025 | |
 Groww Nifty Total Market Index Fund Direct - Growth | 472 | 0.00% | 0.00% | 0.00% | Apr 2025 | |
 Edelweiss Small Cap Fund Direct - Growth | 0 | 0.00% | 0.00% | 0.00% | Apr 2025 | |
 Angel One Nifty Total Market Index Fund Direct - Growth | 56 | 0.00% | 0.00% | 0.00% | Apr 2025 | |
| JM Value Fund Direct Plan-Growth | 0 | 0.00% | 0.00% | 0.00% | Apr 2025 | |
| Edelweiss ELSS Tax Saver Fund Direct -Growth | 0 | 0.00% | 0.00% | 0.00% | Apr 2025 | |
| LIC MF Value Fund Direct - Growth | 0 | 0.00% | 0.00% | 0.00% | Apr 2025 | |
 Mirae Asset Nifty Total Market Index Fund Direct-Growth | 65 | 0.00% | 0.00% | 0.00% | Apr 2025 | |
 Bandhan Nifty Total Market Index Fund Direct-Growth | 63 | 0.00% | 0.00% | 0.00% | Apr 2025 | |
 Tata Banking and Financial Services Fund Direct-Growth | 0 | 0.00% | 0.00% | 0.00% | Apr 2025 | |
 Union Innovation & Opportunities Fund Direct - Growth | 0 | 0.00% | 0.00% | 0.00% | Apr 2025 |
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