SSFLPP.BO · BSE
Spandana Sphoorty Financial Li
₹114.5
-4.82% (-₹5.8)
Prev. close
₹120.3
Volume
2,781
As of
18 Aug 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 Li
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 BSE ↗Key stats
Market cap
₹1,014.92 Cr
EPS (TTM)
₹-39.00
Beta (1Y · daily vs NIFTY 50)
1.81
Shares float
2.48 Cr
EPS · quarter ended Jun 2026
₹1.49
Financial Performance
01 · Financials
FY23 growth needs FY22 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | 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 |
09 · Balance Sheet
Annual
| Line item | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| — | ₹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 | — | ₹3,099.02 Cr | ₹3,644.60 Cr | ₹2,633.05 Cr | ₹2,129.39 Cr |
Total assets, Current assets, Trade receivables, Cash & equivalents, Non-current assets, Fixed assets, Total debt, Long-term debt, Current (short-term) debt, Others, Stockholders' equity 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, 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. 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 | 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 |
Annual only — the data source has no quarterly cash-flow-statement coverage.
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 Li | ₹1,014.92 Cr | ₹114.5 | — | 0.48 | -32.8% | 1.85 | -57.6% | -12.1% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
Annual reports
Concall transcripts
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.