| 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 |
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 | 304 |
| 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 | 627 |
| 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 |
| 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 % |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Spandana Sphoorty Financial
Spandana Sphoorty Financial
262.19
+2.12
(0.82%)
Market Cap
1,854.40 Cr
EPS
-145.17
PE Ratio
25.54
Dividend Yield
0.00 %
Industry
Financial Services52 Week High
588.47
52 Week Low
183.54
PB Ratio
0.71
Debt to Equity
2.40
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 from4 analysts
Company News
View All News
Spandana Sphoorty Faces Prolonged Recovery After CEO Exit and Fourth Consecutive Quarterly Loss
Sep 01, 2025
Sep 01, 2025Microfinancier Spandana Sphoorty Financial is experiencing significant operational challenges following the exit of CEO Shalabh Saxena amid allegations of financial mismanagement. The company reported its fourth consecutive quarterly net loss of Rs 360 crore in the June quarter, with an annualized return on assets of negative 20.4%. Assets under management contracted sharply to Rs 4,958 crore from Rs 11,973 crore in March 2024. The cost-to-income ratio deteriorated to 142.5% from 62.1% in the previous fiscal year. Gross NPAs increased to 5.49% from 2.60% year-on-year. The company wrote off Rs 642 crore in bad loans during the first quarter and Rs 1,618 crore in FY25, with a total net loss of Rs 1,035 crore for FY25. Rating agencies CareEdge, India Ratings, and ICRA have downgraded the company's debt instruments. Despite raising Rs 200 crore through a rights issue, rating agencies expect losses to continue for at least two more quarters, with recovery hampered by high employee turnover and leadership instability.
Spandana Sphoorty Financial reported a consolidated net loss of 3.6 billion rupees in Q1, significantly higher than the 557 million rupees loss in the same period last year. The company's revenue declined to 3 billion rupees from 7.1 billion rupees year-over-year, representing a substantial decrease in business performance.
Spandana Sphoorty Financial Reports Widened Net Loss and Revenue Decline in Q1Aug 14, 2025
Spandana Sphoorty Financial reported a consolidated net loss of 3.6 billion rupees in Q1, significantly higher than the 557 million rupees loss in the same period last year. The company's revenue dropped to 3 billion rupees from 7.1 billion rupees year-over-year, representing a substantial decline in the quarter.
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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 |
|---|---|---|---|---|---|---|---|---|
1,323.60 | #1 21,119.10 | 109.20 | #1 5,756.10 | 11.28 | #1 531 | -84.86 | 49.31 | |
161.87 | 2,759.20 | 8.35 | 2,564.40 | 13.71 | -223 | -94.52 | 50.85 | |
262.19 | #3 1,854.40 | #4 25.54 | #4 2,424.10 | #1 71.56 | #4 -1,035 | #5 -746.68 | 52.52 | |
180.71 | 1,816.70 | #1 5.13 | 2,368.90 | -1.80 | -1,225 | -159.27 | 59.23 | |
147.32 | 1,621.40 | 12.82 | 2,601.90 | 16.13 | 186 | #1 -57.17 | 54.65 |
Automatic Screeners on ScanX
Forecast
Actual
Growth Rate
Revenue Growth
71.56 %
Net Income Growth
3,937.90 %
Cash Flow Change
236.95 %
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 | 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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 16 Sept 2025 |  Annual General Meeting | NA | 16 Sept 2025 | 245.55 | 260.07 |
| 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 |
Announcements
Shareholder Meeting / Postal Ballot-Outcome of AGM11 hours ago
11 hours agoDisclosures under Reg. 29(1) of SEBI (SAST) Regulations 20113 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Change in Management8 days ago
8 days agoAnnouncement 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, 2025Appointment Of Secretarial AuditorJul 15, 2025
Jul 15, 2025Board Meeting Outcome for Outcome Of The Meeting Of The Board Of Directors Of Spandana Sphoorty Financial Limited (The Company) Held On July 15 2025 And Intimation Pursuant To Regulation 30 Of The SEBI Listing RegulationsJul 15, 2025
Jul 15, 2025Board Meeting Intimation for Prior Intimation Of The Board Meeting Of The Board Of Directors Of Spandana Sphoorty Financial Limited (The Company)Jul 10, 2025
Jul 10, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportJul 09, 2025
Jul 09, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 04, 2025
Jul 04, 2025Announcement under Regulation 30 (LODR)-Credit RatingJul 02, 2025
Jul 02, 2025Closure of Trading WindowJun 26, 2025
Jun 26, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportJun 12, 2025
Jun 12, 2025Announcement under Regulation 30 (LODR)-Credit RatingJun 12, 2025
Jun 12, 2025Announcement under Regulation 30 (LODR)-Credit RatingJun 12, 2025
Jun 12, 2025Announcement under Regulation 30 (LODR)-Credit RatingJun 11, 2025
Jun 11, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJun 09, 2025
Jun 09, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotJun 07, 2025
Jun 07, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJun 06, 2025
Jun 06, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 31, 2025
May 31, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 30, 2025
May 30, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 30, 2025
May 30, 2025Announcement under Regulation 30 (LODR)-Investor PresentationMay 30, 2025
May 30, 2025Announcement under Regulation 30 (LODR)-Press Release / Media Release (Revised)May 30, 2025
May 30, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On May 30 2025May 30, 2025
May 30, 2025Financial Results For Quarter And Year Ended March 31 2025May 30, 2025
May 30, 2025Technical Indicators
RSI(14)
Neutral 52.52
ATR(14)
Less Volatile 8.99
STOCH(9,6)
Neutral 45.54
STOCH RSI(14)
Neutral 63.91
MACD(12,26)
Bullish 1.61
ADX(14)
Weak Trend 24.96
UO(9)
Bearish 40.62
ROC(12)
Uptrend And Accelerating 7.16
WillR(14)
Neutral -50.59
Mutual Fund Holdings
| Funding House | Current Holding % | 1M Change | 1M Change % | 3M Change % | Last 6M Trend |
|---|---|---|---|---|---|
 Motilal Oswal Nifty Microcap 250 Index Fund Direct - Growth | 0.11% | 2970 | -0.01% | -0.01% | |
 Groww Nifty Total Market Index Fund Direct - Growth | 0.00% | 18 | 0.00% | 0.00% | |
 Angel One Nifty Total Market Index Fund Direct - Growth | 0.00% | 6 | 0.00% | 0.00% | |
 Bandhan Nifty Total Market Index Fund Direct-Growth | 0.00% | 3 | 0.00% | 0.00% | |
 Mirae Asset Nifty Total Market Index Fund Direct-Growth | 0.00% | 1 | 0.00% | 0.00% | |
 Edelweiss Small Cap Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% | |
 JM ELSS Tax Saver Fund Direct Plan-Growth | 0.99% | 0 | -0.13% | -0.15% | |
| JM Value Fund Direct Plan-Growth | 0.45% | 0 | -0.03% | 0.45% | |
 LIC MF Banking & Financial Services Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Tata Banking and Financial Services Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% |
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