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
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
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
Website
spandanasphoorty.comExchange
View on NSE ↗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
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)
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based
05 · Capital Structure & Asset Utilization
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
07 · Debt Level & Coverage
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| — | — | ₹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 item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹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 item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| — | — | ₹-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 item | Sep 21–Dec 21(2Q) | Mar 22–Mar 22(2Q) | May 22–Jun 22(2Q) | Sep 22 | Dec 22 | Mar 23 | Jun 23 | Sep 23 | Dec 23 | Mar 24 | Jun 24 | Sep 24 | Dec 24–Jun 25(3Q) | Aug 25–Jun 26(5Q) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 62.29% | 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% |
| Public | 37.71% | 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 trusts | 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% |
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 | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| Spandana Sphoorty Financial Limited | ₹2,029.40 Cr | ₹229.25 | — | 0.95 | -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
IPO documents
Annual reports
Concall transcripts
Show all 13
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.