Spandana Sphoorty Financial (SPANDANA) is loss-making over the last 12 months, losing ₹60 Cr, so a P/E ratio does not apply. Its share price on 6 Nov 2026 was ₹182.52, 43% below its 52-week high. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 0.63× book value. It is a small-cap company with a market cap of ₹1,618 Cr, ranked 41st of 193 Credit Services companies by market cap; the shares fell 23% over the past year.
- ₹184.00
- ₹184.70
- ₹179.91
- ₹186.00
- 3.1 L
Health check
- ReturnsBehind
−23.4% over a year, better than 1 of 7 peers.
- Price tagLoss-making
Earnings were negative over the last 12 months.
- Growthn/a
Not enough yearly results to measure.
- ProfitabilityNegative
ROE -2.6% vs peer median 18.7%.
- Balance sheetLosing money
Return on assets -0.92%. Bad-loan data isn’t covered.
- Red flags3 to check
Loss-making over the last twelve months.
Small cap
Defensive
Key metrics
- Market cap
- ₹1,618 Cr
- Small cap
- P/E
- n/a
- Industry 15.5
- Price to book
- 0.63
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- −2.6%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- −₹7.47
- Face value ₹10
- OPM (TTM)
- −10.2%
- Net margin −32.9%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- n/a
- Year-ago quarter not reported
- Price to sales
- 8.93
Strengths and risks
Risks to check
- Loss-making over the last twelve months.
- Return on equity is low at −2.6%.
- 43% below its 52-week high.
About Spandana Sphoorty Financial
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.
- Headquarters
- Hyderabad
- Employees
- 9,405
- Sector
- Financial Services
- ISIN
- INE572J01011
- Website
- spandanasphoorty.com
Price range
- Avg volume (3M)
- 1.8 L
- 1-year return
- minus 23.4%
- From 52-week high
- minus 42.9%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| SPANDANASpandana Sphoorty Financial | 182.52 | minus 1.87% | 1,618 | – | 0.63 | −2.6% | −0.9% | – | 0.00% | minus 23.4% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Dec 25 | Mar 26 | Jun 26 | Sep 26 |
|---|---|---|---|---|---|
| 284 | 225 | 232 | 280 | 318 | |
| 359 | 309 | 283 | 284 | 287 | |
| −74.9 | −83.5 | −51.3 | −4.2 | 31.6 | |
| −26.4% | −37.1% | −22.1% | −1.5% | 9.9% | |
| 3.7 | 11.3 | 17.5 | 19.3 | 15.5 | |
| 4.2 | 3.9 | 4 | 2.6 | 2.4 | |
| −405 | −49.3 | 45.9 | 5 | −7.8 | |
| −481 | −125 | 8 | 17.6 | 37 | |
| 25.1% | 24.3% | 34.3% | 32.3% | 50.6% | |
| −360 | −95 | 5.3 | 11.9 | 18.2 | |
| -50.52 | -11.88 | 0.66 | 1.49 | 2.26 |
Profit & loss
- ROE
- −2.6%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 1,268 | 2,216 | 2,160 | 916 | |
| – | +74.7% | minus 2.5% | minus 57.6% | |
| 1,238 | 1,539 | 1,728 | 1,208 | |
| 29.7 | 677 | 432 | −291 | |
| 2.3% | 30.6% | 20.0% | −31.8% | |
| 460 | 122 | 78.7 | 61.1 | |
| 1 | 1.3 | 1.3 | 1.2 | |
| 10.9 | 20.4 | 22.7 | 16.2 | |
| −460 | −106 | −1,865 | −678 | |
| 17.8 | 671 | −1,379 | −925 | |
| 30.5% | 25.3% | 24.9% | 24.5% | |
| 12.3 | 501 | −1,035 | −699 | |
| – | +3967.1% | minus 306.7% | – | |
| 1.65 | 65.98 | -138.06 | -91.01 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 71 | 71.3 | 71.3 | 80 | |
| 3,028 | 3,573 | 2,562 | 2,049 | |
| 6,074 | 9,425 | 5,656 | 3,943 | |
| 209 | 313 | 205 | 174 | |
| 9,383 | 13,383 | 8,494 | 6,246 | |
| 24.9 | 30 | 31.2 | 18.3 | |
| 235 | 292 | 86.7 | 97.9 | |
| 1,093 | 1,798 | 2,004 | 1,366 | |
| 8,030 | 11,262 | 6,371 | 4,764 | |
| 9,383 | 13,383 | 8,494 | 6,246 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −2,171 | −2,679 | 3,681 | 882 | |
| −175 | −172 | −132 | 165 | |
| 2,433 | 3,435 | −3,712 | −1,514 | |
| 86.2 | 585 | −162 | −466 | |
| −12.7 | −26 | −22.3 | −4 | |
| −2,184 | −2,705 | 3,659 | 878 |
Shareholding pattern
NSE hasn’t returned a shareholding pattern for this company. Institutions hold about 6.2% (Yahoo estimate).
Major shareholders
Filings & events
News
No recent news coverage found.