SPANDANA · NSE

Spandana Sphoorty Financial Limited

₹229.25

+0.98% (+₹2.23)

Prev. close

₹227.02

Volume

74,230

Delivery %

59.6%

As of

18 Sept 2026

Price history

₹229.25-₹4.45 (-1.90%) · 3M
10 Jun 202618 Sept 2026
₹310.55₹225.810 Jun03 Jul03 Aug26 Aug18 Sept
Daily closes · updates after each session

No analyst calls on this stock in the last 90 days yet.

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Analyst opinions

No analyst calls on Spandana Sphoorty Financial Limited in the last 90 days.

Fundamentals

About Spandana Sphoorty Financial Limited

Spandana Sphoorty Financial Limited engages in the microfinance business in India. The company provides joint liability group based microfinance for women entrepreneurs; loans against the property; and individual loans. It serves low-income customers in semi-urban and rural areas. Spandana Sphoorty Financial Limited was founded in 1998 and is based in Hyderabad, India.

Details

Sector

Financial Services

Industry

Credit Services

CEO

Mr. Venkatesh Krishnan

Headquarters

Hyderabad

Employees

9,405

Key stats

Market cap

₹2,032.06 Cr

EPS (TTM)

₹-39.00

Beta (1Y · daily vs NIFTY 50)

1.52

Beta (5Y · monthly vs NIFTY 50)

1.48

Shares float

2.48 Cr

EPS · quarter ended Jun 2026

₹1.49

Financial Performance

01 · Financials

0 Cr1000 Cr2000 Cr3000 Cr-100%-50%0%50%100%FY21FY22FY23FY24FY25FY26
RevenueRevenue growth YoY

FY21 growth needs FY20 filings, which the data source doesn't provide. Net income and EBITDA are omitted from this chart: coverage begins inside the plotted window, and every plotted period must carry a complete point set — the P&L table below has the available figures.

02 · Earnings Per Share (EPS)

-200-1000100FY23FY24FY25FY26

04 · Operating Efficiency (Growth Rates)

Balance-sheet-based

-200%0%200%400%FY21FY22FY23FY24FY25FY26
SalesFixed assetsTrade receivablesInventory

05 · Capital Structure & Asset Utilization

0 Cr5000 Cr10000 Cr15000 CrFY21FY22FY23FY24FY25FY26
Total assetsTotal debtDebt / equityAsset turnover

Asset turnover needs a prior year of assets — omitted for the earliest available year.

06 · Asset Base Composition

0 Cr5000 Cr10000 Cr15000 CrFY21FY22FY23FY24FY25FY26
Fixed assetsCurrent assetsOther assets

07 · Debt Level & Coverage

-5000 Cr0 Cr5000 Cr10000 CrFY21FY22FY23FY24FY25FY26
DebtFree cash flowCash & equivalents

08 · Profit & Loss

Annual

Line itemFY21FY22FY23FY24FY25FY26
₹1,268.01 Cr₹2,215.83 Cr₹2,160.11 Cr₹916.25 Cr
EBITDA₹29.67 Cr₹692.29 Cr₹-1,354.75 Cr₹-908.07 Cr
₹12.31 Cr₹500.66 Cr₹-1,035.10 Cr₹-699.09 Cr
Diluted EPS₹1.65₹65.98₹-138.06₹-91.01

Revenue, Depreciation & amortisation, EBITDA, Net income, Pretax income, Tax provision, Interest expense, Diluted EPS have filed figures for only some of the years shown — the missing years are left blank rather than estimated.

09 · Balance Sheet

Annual

Line itemFY21FY22FY23FY24FY25FY26
₹8,576.93 Cr₹7,076.34 Cr₹9,382.61 Cr₹13,382.53 Cr₹8,493.53 Cr₹6,246.37 Cr
₹6,074.27 Cr₹9,424.61 Cr₹5,655.62 Cr₹3,942.73 Cr
Stockholders' equity₹2,749.08 Cr₹3,087.57 Cr₹3,099.02 Cr₹3,644.60 Cr₹2,633.05 Cr₹2,129.39 Cr

Current assets, Trade receivables, Non-current assets, Total debt, Long-term debt, Current (short-term) debt, Others have filed figures for only some of the years shown — the missing years are left blank rather than estimated. Inventory shows ₹0 for 2024-03-31 — this deck's own annual-report reading has no Inventory figure for this filer in any year shown (2024-03-31, 2021-03-31, 2022-03-31, 2025-03-31, 2026-03-31 alike); the ₹0 shown here comes from this filer's own reported data feed rather than this deck's own extraction, and is positively consistent with a filer that holds no physical inventory (typical for lenders and other financial-services companies) rather than a display default. 2021-03-31, 2022-03-31, 2025-03-31, 2026-03-31 have no Inventory figure reaching this deck at all — not shown as zero, not shown as positive — left blank rather than assumed to match the other years.

Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.

10 · Cash Flow Statement

Annual

Line itemFY21FY22FY23FY24FY25FY26
₹-2,171.05 Cr₹-2,678.67 Cr₹3,681.31 Cr₹882.47 Cr
Investing cash flow₹-175.25 Cr₹-171.50 Cr₹-132.00 Cr₹164.75 Cr
₹2,432.51 Cr₹3,434.83 Cr₹-3,711.63 Cr₹-1,513.71 Cr
Capital expenditure₹-12.74 Cr₹-26.03 Cr₹-22.30 Cr₹-4.02 Cr
End cash position₹813.38 Cr₹1,398.29 Cr₹1,235.97 Cr₹769.49 Cr

Operating cash flow, Depreciation & amortization, Change in working capital, Investing cash flow, Financing cash flow, Debt issued, Debt repaid, Capital expenditure, End cash position have filed figures for only some of the years shown — the missing years are left blank rather than estimated.

Annual only — the data source has no quarterly cash-flow-statement coverage.

11 · Shareholding Pattern

NSE, quarterly

Line itemSep 21Dec 21(2Q)Mar 22Mar 22(2Q)May 22Jun 22(2Q)Sep 22Dec 22Mar 23Jun 23Sep 23Dec 23Mar 24Jun 24Sep 24Dec 24Jun 25(3Q)Aug 25Jun 26(5Q)
Promoter62.29%62.62%63.59%63.03%63.01%63.00%62.41%60.41%59.89%59.75%56.85%55.83%48.13%48.16%
Public37.71%37.38%36.41%36.97%36.99%37.00%37.59%39.59%40.11%40.25%43.15%44.17%51.87%51.84%
Employee trusts0.00%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%

Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.

12 · Peer Comparison

Financial Services

Company
HDFC Bank Limited₹11.27 L Cr₹73116.21.388.6%0.81+4.7%-25.2%
ICICI Bank Limited₹9.75 L Cr₹1,347.617.62.6914.9%0.57+9.1%-5.0%
State Bank of India₹9.16 L Cr₹996.210.61.5414.0%1.22+9.2%+16.6%
Bajaj Finance Limited₹6.31 L Cr₹1,040.331.15.5416.7%3.10+19.7%+4.4%
Life Insurance Corporation Of India₹5.06 L Cr₹407.78.42.8732.5%+8.7%-54.2%
Kotak Mahindra Bank Limited₹4.08 L Cr₹41520.52.2510.6%0.53-0.3%-79.5%
Axis Bank Limited₹3.86 L Cr₹1,24014.01.8012.3%1.30+4.0%+10.1%
Bajaj Finserv Limited₹2.98 L Cr₹1,852.529.43.8212.6%4.64+13.6%-10.5%
Shriram Finance Limited₹2.34 L Cr₹1,01017.63.5515.2%2.76+13.9%+61.1%
SBI Life Insurance Company Limited₹1.77 L Cr₹1,73168.09.2912.9%-4.3%-5.0%
ICICI Prudential Asset Management Company Limited₹1.53 L Cr₹3,09843.836.5779.1%+23.1%
Spandana Sphoorty Financial Limited₹2,029.40 Cr₹229.250.95-32.8%1.85-57.6%-14.0%

Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.

Documents

Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.

SPANDANA

Spandana Sphoorty clocks PAT of Rs 12 crore in Q1 FY27

Business Standard · 2 months ago