Share Price and Basic Stock Data
Last Updated: January 22, 2026, 7:02 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Spandana Sphoorty Financial Ltd operates within the finance and investments sector, focusing on microfinance and financial inclusion. The company reported a revenue of ₹1,329 Cr for the financial year ending March 2023, representing a decline from ₹1,376 Cr in the previous year. However, the revenue trajectory showed signs of recovery with ₹2,280 Cr projected for March 2024, indicating a strategic rebound. Quarterly revenues have shown a consistent upward trend, rising from ₹281 Cr in September 2022 to ₹584 Cr in September 2023, with a peak of ₹631 Cr projected for March 2024. This growth can be attributed to robust demand for microfinance services, particularly in rural India. However, despite the revenue growth, the company encountered challenges in managing its interest expenses, which rose from ₹88 Cr in September 2022 to ₹223 Cr in September 2023, impacting profitability. The eventual impact of these trends on operational efficiency remains to be fully assessed.
Profitability and Efficiency Metrics
Spandana’s profitability metrics exhibited significant fluctuations, with a net profit of ₹12 Cr for the year ending March 2023, a stark contrast to the projected net loss of ₹957 Cr for March 2025. This decline in profitability is underscored by the company’s interest coverage ratio, which stood at -0.45x for March 2025, indicating that interest obligations exceed operating income, a critical warning sign for investors. The financing profit margin showed a downward trajectory, declining from 27% in March 2023 to a negative margin of -60% for March 2025. This trend reflects challenges in maintaining operational efficiency amidst rising expenses, which surged from ₹919 Cr in March 2023 to ₹2,621 Cr in March 2025. The reported return on equity (ROE) stood at a concerning -31% for the same period, showcasing the company’s struggle to generate profit relative to shareholder equity, a critical indicator of financial health.
Balance Sheet Strength and Financial Ratios
Spandana’s balance sheet reveals a mixed picture of financial health, with total assets reported at ₹8,008 Cr for March 2025. The company’s reserves fell to ₹2,199 Cr by September 2025, down from ₹3,485 Cr in March 2024, indicating strain on retained earnings and potential liquidity issues. The total debt-to-equity ratio rose to 2.15x, reflecting a high leverage position, which poses risks in terms of financial stability. The borrowing levels stood at ₹5,197 Cr as of March 2025, down from ₹9,012 Cr in March 2024, suggesting a strategic reduction in debt amidst declining profitability. Additionally, the company’s book value per share decreased to ₹369.24 in March 2025, down from ₹511.20 in March 2024, further signaling a diminishing shareholder value. The current ratio of 2.21x indicates a comfortable liquidity position, yet the negative interest coverage ratio raises concerns over the ability to meet financial obligations.
Shareholding Pattern and Investor Confidence
Spandana’s shareholding pattern reflects a diverse ownership structure, with promoters holding 48.16% as of September 2025, a decrease from 63% in December 2022. This decline may raise concerns regarding insider confidence in the company’s future prospects. Foreign institutional investors (FIIs) accounted for 20.26% of the shareholding, showing a slight increase from 19.59% in December 2022, which may indicate sustained interest from foreign investors despite the company’s challenges. Domestic institutional investors (DIIs) held 6.12% of shares, while public shareholders represented 25.48%. The number of shareholders increased significantly from 17,776 in December 2022 to 120,457 by September 2025, suggesting growing retail interest. However, the declining promoter stake and the significant drop in profitability may impact overall investor confidence and could lead to volatility in share prices as the market reacts to these developments.
Outlook, Risks, and Final Insight
Spandana Sphoorty Financial Ltd faces a challenging outlook characterized by fluctuating revenues and significant profitability risks. The projected net loss of ₹957 Cr for March 2025, coupled with a negative interest coverage ratio, raises serious concerns about the sustainability of operations. Key strengths include a healthy liquidity position, as indicated by a current ratio of 2.21x, and an experienced management team navigating the microfinance landscape. However, risks such as high leverage and declining profitability metrics present significant challenges that could hinder growth prospects. The company’s ability to stabilize its financial performance and regain investor confidence will be critical for future success. Investors should closely monitor the company’s strategic initiatives to address these risks and improve operational efficiencies in the coming quarters.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.2 Cr. | 38.2 | 58.0/36.4 | 44.7 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,294 Cr. | 290 | 455/269 | 14.3 | 111 | 0.35 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 30.2 Cr. | 0.43 | 1.34/0.38 | 4.19 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.10 Cr. | 8.28 | 11.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 18.8 Cr. | 36.6 | 69.9/36.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,191.22 Cr | 1,278.87 | 67.47 | 3,844.56 | 0.38% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 281 | 340 | 475 | 487 | 584 | 591 | 631 | 663 | 636 | 509 | 374 | 262 | 199 |
| Interest | 88 | 118 | 146 | 195 | 223 | 241 | 239 | 246 | 245 | 213 | 172 | 139 | 111 |
| Expenses | 127 | 141 | 202 | 155 | 231 | 217 | 255 | 370 | 678 | 834 | 745 | 561 | 379 |
| Financing Profit | 66 | 81 | 127 | 137 | 131 | 133 | 138 | 47 | -287 | -538 | -542 | -438 | -291 |
| Financing Margin % | 24% | 24% | 27% | 28% | 22% | 23% | 22% | 7% | -45% | -106% | -145% | -167% | -146% |
| Other Income | 12 | 15 | 30 | 15 | 30 | 30 | 32 | 26 | 19 | 16 | 3 | 2 | 9 |
| Depreciation | 2 | 3 | 4 | 3 | 5 | 6 | 7 | 4 | 5 | 5 | 6 | 3 | 3 |
| Profit before tax | 76 | 94 | 153 | 149 | 156 | 158 | 164 | 69 | -272 | -526 | -545 | -439 | -286 |
| Tax % | 35% | 26% | 24% | 25% | 25% | 25% | 25% | 26% | -25% | -25% | -25% | -25% | -24% |
| Net Profit | 50 | 69 | 116 | 111 | 116 | 118 | 122 | 51 | -204 | -394 | -410 | -329 | -218 |
| EPS in Rs | 5.61 | 7.84 | 13.16 | 12.59 | 13.16 | 13.36 | 13.78 | 5.78 | -22.99 | -44.41 | -46.24 | -37.08 | -24.59 |
| Gross NPA % | 1.95% | 1.49% | 1.27% | 1.50% | 1.43% | 2.60% | 4.88% | 4.85% | 4.85% | 4.88% | 4.97% | ||
| Net NPA % | 0.64% | 0.45% | 0.38% | 0.45% | 0.29% | 0.52% | 0.97% | 0.96% | 0.96% | 0.96% | 0.97% |
Last Updated: December 29, 2025, 2:02 am
Below is a detailed analysis of the quarterly data for Spandana Sphoorty Financial Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 111.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 139.00 Cr. (Jun 2025) to 111.00 Cr., marking a decrease of 28.00 Cr..
- For Expenses, as of Sep 2025, the value is 379.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 561.00 Cr. (Jun 2025) to 379.00 Cr., marking a decrease of 182.00 Cr..
- For Other Income, as of Sep 2025, the value is 9.00 Cr.. The value appears strong and on an upward trend. It has increased from 2.00 Cr. (Jun 2025) to 9.00 Cr., marking an increase of 7.00 Cr..
- For Depreciation, as of Sep 2025, the value is 3.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 3.00 Cr..
- For Profit before tax, as of Sep 2025, the value is -286.00 Cr.. The value appears strong and on an upward trend. It has increased from -439.00 Cr. (Jun 2025) to -286.00 Cr., marking an increase of 153.00 Cr..
- For Tax %, as of Sep 2025, the value is -24.00%. The value appears to be increasing, which may not be favorable. It has increased from -25.00% (Jun 2025) to -24.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is -218.00 Cr.. The value appears strong and on an upward trend. It has increased from -329.00 Cr. (Jun 2025) to -218.00 Cr., marking an increase of 111.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is -24.59. The value appears strong and on an upward trend. It has increased from -37.08 (Jun 2025) to -24.59, marking an increase of 12.49.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:36 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 280 | 303 | 345 | 378 | 587 | 1,036 | 1,409 | 1,444 | 1,376 | 1,329 | 2,280 | 2,181 | 1,345 |
| Interest | 100 | 112 | 129 | 150 | 232 | 358 | 357 | 419 | 515 | 447 | 900 | 879 | 635 |
| Expenses | 113 | 104 | 219 | 196 | 67 | 207 | 477 | 860 | 803 | 919 | 841 | 2,621 | 2,519 |
| Financing Profit | 67 | 87 | -4 | 32 | 288 | 471 | 575 | 164 | 58 | -37 | 539 | -1,319 | -1,809 |
| Financing Margin % | 24% | 29% | -1% | 9% | 49% | 45% | 41% | 11% | 4% | -3% | 24% | -60% | -134% |
| Other Income | 1 | 22 | 251 | 22 | 0 | 5 | 32 | 21 | 15 | 66 | 107 | 64 | 30 |
| Depreciation | 3 | 3 | 4 | 8 | 6 | 7 | 9 | 7 | 9 | 11 | 20 | 19 | 17 |
| Profit before tax | 64 | 106 | 243 | 46 | 283 | 469 | 598 | 178 | 65 | 18 | 626 | -1,274 | -1,796 |
| Tax % | 0% | 1% | 0% | -873% | 34% | 34% | 44% | 27% | 28% | 32% | 25% | -25% | |
| Net Profit | 64 | 105 | 243 | 443 | 188 | 309 | 337 | 129 | 47 | 12 | 468 | -957 | -1,351 |
| EPS in Rs | 26.68 | 41.38 | 95.76 | 125.26 | 50.80 | 41.61 | 42.09 | 16.12 | 5.43 | 1.40 | 52.75 | -107.86 | -152.32 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 64.06% | 131.43% | 82.30% | -57.56% | 64.36% | 9.06% | -61.72% | -63.57% | -74.47% | 3800.00% | -304.49% |
| Change in YoY Net Profit Growth (%) | 0.00% | 67.37% | -49.12% | -139.87% | 121.92% | -55.30% | -70.78% | -1.84% | -10.90% | 3874.47% | -4104.49% |
Spandana Sphoorty Financial Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 9% |
| 3 Years: | 17% |
| TTM: | -28% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -428% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | -14% |
| 3 Years: | -23% |
| 1 Year: | -55% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | -2% |
| 3 Years: | -5% |
| Last Year: | -31% |
Last Updated: September 5, 2025, 1:36 pm
Balance Sheet
Last Updated: January 7, 2026, 4:26 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 19 | 20 | 20 | 28 | 30 | 60 | 64 | 64 | 69 | 71 | 71 | 71 | 80 |
| Reserves | -924 | -864 | -627 | -2 | 216 | 1,827 | 2,544 | 2,652 | 2,962 | 2,972 | 3,485 | 2,551 | 2,199 |
| Borrowing | 1,596 | 1,831 | 1,710 | 1,834 | 3,477 | 2,945 | 3,016 | 5,197 | 3,631 | 5,934 | 9,012 | 5,197 | 3,072 |
| Other Liabilities | 1,482 | 1,365 | 997 | 68 | 42 | 67 | 317 | 433 | 201 | 208 | 301 | 189 | 150 |
| Total Liabilities | 2,173 | 2,352 | 2,100 | 1,929 | 3,764 | 4,898 | 5,942 | 8,346 | 6,864 | 9,186 | 12,870 | 8,008 | 5,501 |
| Fixed Assets | 4 | 6 | 14 | 9 | 8 | 9 | 16 | 20 | 14 | 29 | 32 | 26 | 21 |
| CWIP | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 2 | 65 | 550 | 115 | 115 | 306 | 329 | 425 | 353 |
| Other Assets | 2,169 | 2,341 | 2,085 | 1,920 | 3,754 | 4,824 | 5,375 | 8,211 | 6,736 | 8,850 | 12,509 | 7,557 | 5,127 |
| Total Assets | 2,173 | 2,352 | 2,100 | 1,929 | 3,764 | 4,898 | 5,942 | 8,346 | 6,864 | 9,186 | 12,870 | 8,008 | 5,501 |
Below is a detailed analysis of the balance sheet data for Spandana Sphoorty Financial Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 80.00 Cr.. The value appears strong and on an upward trend. It has increased from 71.00 Cr. (Mar 2025) to 80.00 Cr., marking an increase of 9.00 Cr..
- For Reserves, as of Sep 2025, the value is 2,199.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,551.00 Cr. (Mar 2025) to 2,199.00 Cr., marking a decrease of 352.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 150.00 Cr.. The value appears to be improving (decreasing). It has decreased from 189.00 Cr. (Mar 2025) to 150.00 Cr., marking a decrease of 39.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 5,501.00 Cr.. The value appears to be improving (decreasing). It has decreased from 8,008.00 Cr. (Mar 2025) to 5,501.00 Cr., marking a decrease of 2,507.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 21.00 Cr.. The value appears to be declining and may need further review. It has decreased from 26.00 Cr. (Mar 2025) to 21.00 Cr., marking a decrease of 5.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 353.00 Cr.. The value appears to be declining and may need further review. It has decreased from 425.00 Cr. (Mar 2025) to 353.00 Cr., marking a decrease of 72.00 Cr..
- For Other Assets, as of Sep 2025, the value is 5,127.00 Cr.. The value appears to be declining and may need further review. It has decreased from 7,557.00 Cr. (Mar 2025) to 5,127.00 Cr., marking a decrease of 2,430.00 Cr..
- For Total Assets, as of Sep 2025, the value is 5,501.00 Cr.. The value appears to be declining and may need further review. It has decreased from 8,008.00 Cr. (Mar 2025) to 5,501.00 Cr., marking a decrease of 2,507.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 112.00 | 103.00 | 218.00 | 195.00 | 64.00 | 205.00 | 474.00 | 855.00 | 800.00 | 914.00 | 832.00 | -3.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 138% | 29% | 15% | 5% | 2% | 0% | 14% | -31% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| JM Value Fund | 188,357 | 0.51 | 4.99 | 188,357 | 2026-01-23 09:40:23 | 0% |
| JM ELSS Tax Saver Fund | 85,000 | 0.99 | 2.25 | 85,000 | 2026-01-23 09:40:23 | 0% |
| JM Value Fund | 142,810 | 0.19 | 1.89 | 188,357 | 2026-01-23 09:40:23 | -24.18% |
| JM ELSS Tax Saver Fund | 20,731 | 0.12 | 0.27 | 85,000 | 2026-01-23 09:40:23 | -75.61% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -145.17 | 70.42 | 1.74 | 10.75 | 22.55 |
| Diluted EPS (Rs.) | -145.17 | 69.38 | 1.74 | 10.72 | 22.47 |
| Cash EPS (Rs.) | -141.98 | 73.09 | 3.28 | 11.43 | 23.80 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 369.24 | 511.20 | 436.62 | 447.20 | 427.75 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 369.24 | 511.20 | 436.62 | 447.20 | 427.75 |
| Revenue From Operations / Share (Rs.) | 330.27 | 339.93 | 197.34 | 211.71 | 230.53 |
| PBDIT / Share (Rs.) | -59.44 | 226.89 | 68.55 | 93.52 | 98.15 |
| PBIT / Share (Rs.) | -62.62 | 224.03 | 67.02 | 92.19 | 96.96 |
| PBT / Share (Rs.) | -193.35 | 94.05 | 2.51 | 14.02 | 31.17 |
| Net Profit / Share (Rs.) | -145.16 | 70.23 | 1.75 | 10.11 | 22.62 |
| NP After MI And SOA / Share (Rs.) | -145.15 | 70.22 | 1.73 | 10.05 | 22.55 |
| PBDIT Margin (%) | -17.99 | 66.74 | 34.73 | 44.17 | 42.57 |
| PBIT Margin (%) | -18.96 | 65.90 | 33.96 | 43.54 | 42.06 |
| PBT Margin (%) | -58.54 | 27.66 | 1.27 | 6.62 | 13.51 |
| Net Profit Margin (%) | -43.95 | 20.65 | 0.88 | 4.77 | 9.81 |
| NP After MI And SOA Margin (%) | -43.95 | 20.65 | 0.87 | 4.74 | 9.78 |
| Return on Networth / Equity (%) | -39.31 | 13.73 | 0.39 | 2.24 | 5.27 |
| Return on Capital Employeed (%) | -9.01 | 20.50 | 7.27 | 12.81 | 12.50 |
| Return On Assets (%) | -12.18 | 3.74 | 0.13 | 0.98 | 1.69 |
| Long Term Debt / Equity (X) | 0.86 | 1.12 | 1.09 | 0.58 | 0.74 |
| Total Debt / Equity (X) | 2.15 | 2.59 | 1.96 | 1.22 | 1.95 |
| Asset Turnover Ratio (%) | 0.21 | 0.21 | 0.16 | 0.17 | 0.20 |
| Current Ratio (X) | 2.21 | 2.34 | 3.20 | 3.24 | 2.34 |
| Quick Ratio (X) | 2.21 | 2.34 | 3.19 | 3.24 | 2.34 |
| Interest Coverage Ratio (X) | -0.45 | 1.75 | 1.06 | 1.20 | 1.49 |
| Interest Coverage Ratio (Post Tax) (X) | -0.11 | 1.54 | 1.03 | 1.13 | 1.34 |
| Enterprise Value (Cr.) | 5485.73 | 13537.08 | 8850.52 | 4868.61 | 7881.14 |
| EV / Net Operating Revenue (X) | 2.33 | 5.59 | 6.32 | 3.33 | 5.32 |
| EV / EBITDA (X) | -12.94 | 8.37 | 18.19 | 7.53 | 12.49 |
| MarketCap / Net Operating Revenue (X) | 0.71 | 2.48 | 2.70 | 1.57 | 2.62 |
| Price / BV (X) | 0.63 | 1.65 | 1.22 | 0.74 | 1.41 |
| Price / Net Operating Revenue (X) | 0.71 | 2.48 | 2.70 | 1.57 | 2.62 |
| EarningsYield | -0.61 | 0.08 | 0.00 | 0.03 | 0.03 |
After reviewing the key financial ratios for Spandana Sphoorty Financial Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is -145.17. This value is below the healthy minimum of 5. It has decreased from 70.42 (Mar 24) to -145.17, marking a decrease of 215.59.
- For Diluted EPS (Rs.), as of Mar 25, the value is -145.17. This value is below the healthy minimum of 5. It has decreased from 69.38 (Mar 24) to -145.17, marking a decrease of 214.55.
- For Cash EPS (Rs.), as of Mar 25, the value is -141.98. This value is below the healthy minimum of 3. It has decreased from 73.09 (Mar 24) to -141.98, marking a decrease of 215.07.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 369.24. It has decreased from 511.20 (Mar 24) to 369.24, marking a decrease of 141.96.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 369.24. It has decreased from 511.20 (Mar 24) to 369.24, marking a decrease of 141.96.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 330.27. It has decreased from 339.93 (Mar 24) to 330.27, marking a decrease of 9.66.
- For PBDIT / Share (Rs.), as of Mar 25, the value is -59.44. This value is below the healthy minimum of 2. It has decreased from 226.89 (Mar 24) to -59.44, marking a decrease of 286.33.
- For PBIT / Share (Rs.), as of Mar 25, the value is -62.62. This value is below the healthy minimum of 0. It has decreased from 224.03 (Mar 24) to -62.62, marking a decrease of 286.65.
- For PBT / Share (Rs.), as of Mar 25, the value is -193.35. This value is below the healthy minimum of 0. It has decreased from 94.05 (Mar 24) to -193.35, marking a decrease of 287.40.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -145.16. This value is below the healthy minimum of 2. It has decreased from 70.23 (Mar 24) to -145.16, marking a decrease of 215.39.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is -145.15. This value is below the healthy minimum of 2. It has decreased from 70.22 (Mar 24) to -145.15, marking a decrease of 215.37.
- For PBDIT Margin (%), as of Mar 25, the value is -17.99. This value is below the healthy minimum of 10. It has decreased from 66.74 (Mar 24) to -17.99, marking a decrease of 84.73.
- For PBIT Margin (%), as of Mar 25, the value is -18.96. This value is below the healthy minimum of 10. It has decreased from 65.90 (Mar 24) to -18.96, marking a decrease of 84.86.
- For PBT Margin (%), as of Mar 25, the value is -58.54. This value is below the healthy minimum of 10. It has decreased from 27.66 (Mar 24) to -58.54, marking a decrease of 86.20.
- For Net Profit Margin (%), as of Mar 25, the value is -43.95. This value is below the healthy minimum of 5. It has decreased from 20.65 (Mar 24) to -43.95, marking a decrease of 64.60.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is -43.95. This value is below the healthy minimum of 8. It has decreased from 20.65 (Mar 24) to -43.95, marking a decrease of 64.60.
- For Return on Networth / Equity (%), as of Mar 25, the value is -39.31. This value is below the healthy minimum of 15. It has decreased from 13.73 (Mar 24) to -39.31, marking a decrease of 53.04.
- For Return on Capital Employeed (%), as of Mar 25, the value is -9.01. This value is below the healthy minimum of 10. It has decreased from 20.50 (Mar 24) to -9.01, marking a decrease of 29.51.
- For Return On Assets (%), as of Mar 25, the value is -12.18. This value is below the healthy minimum of 5. It has decreased from 3.74 (Mar 24) to -12.18, marking a decrease of 15.92.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.86. This value is within the healthy range. It has decreased from 1.12 (Mar 24) to 0.86, marking a decrease of 0.26.
- For Total Debt / Equity (X), as of Mar 25, the value is 2.15. This value exceeds the healthy maximum of 1. It has decreased from 2.59 (Mar 24) to 2.15, marking a decrease of 0.44.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.21. There is no change compared to the previous period (Mar 24) which recorded 0.21.
- For Current Ratio (X), as of Mar 25, the value is 2.21. This value is within the healthy range. It has decreased from 2.34 (Mar 24) to 2.21, marking a decrease of 0.13.
- For Quick Ratio (X), as of Mar 25, the value is 2.21. This value exceeds the healthy maximum of 2. It has decreased from 2.34 (Mar 24) to 2.21, marking a decrease of 0.13.
- For Interest Coverage Ratio (X), as of Mar 25, the value is -0.45. This value is below the healthy minimum of 3. It has decreased from 1.75 (Mar 24) to -0.45, marking a decrease of 2.20.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is -0.11. This value is below the healthy minimum of 3. It has decreased from 1.54 (Mar 24) to -0.11, marking a decrease of 1.65.
- For Enterprise Value (Cr.), as of Mar 25, the value is 5,485.73. It has decreased from 13,537.08 (Mar 24) to 5,485.73, marking a decrease of 8,051.35.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 2.33. This value is within the healthy range. It has decreased from 5.59 (Mar 24) to 2.33, marking a decrease of 3.26.
- For EV / EBITDA (X), as of Mar 25, the value is -12.94. This value is below the healthy minimum of 5. It has decreased from 8.37 (Mar 24) to -12.94, marking a decrease of 21.31.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.71. This value is below the healthy minimum of 1. It has decreased from 2.48 (Mar 24) to 0.71, marking a decrease of 1.77.
- For Price / BV (X), as of Mar 25, the value is 0.63. This value is below the healthy minimum of 1. It has decreased from 1.65 (Mar 24) to 0.63, marking a decrease of 1.02.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 0.71. This value is below the healthy minimum of 1. It has decreased from 2.48 (Mar 24) to 0.71, marking a decrease of 1.77.
- For EarningsYield, as of Mar 25, the value is -0.61. This value is below the healthy minimum of 5. It has decreased from 0.08 (Mar 24) to -0.61, marking a decrease of 0.69.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Spandana Sphoorty Financial Ltd:
- Net Profit Margin: -43.95%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: -9.01% (Industry Average ROCE: 21.71%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: -39.31% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): -0.11
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 2.21
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 67.47)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 2.15
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -43.95%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Microfinance Institutions | Galaxy, Wing B, 16th Floor, Plot No.1, Sy No 83/1, Hyderabad Knowledge City, Hyderabad Telangana 500081 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Ms. Abanti Mitra | Chairman & Ind.Director |
| Mr. Animesh Chauhan | Independent Director |
| Mr. Deepak Calian Vaidya | Independent Director |
| Mr. Vinayak Prasad | Independent Director |
| Mrs. Dipali Hemant Sheth | Independent Director |
| Ms. Saakshi Gera | Non Exe. & Nominee Director |
| Mr. Neeraj Swaroop | Non Exe. & Nominee Director |
| Mr. Ramachandra K Kamath | Non Exe. & Nominee Director |
| Mr. Sunish Sharma | Non Exe. & Nominee Director |
FAQ
What is the intrinsic value of Spandana Sphoorty Financial Ltd?
Spandana Sphoorty Financial Ltd's intrinsic value (as of 22 January 2026) is ₹353.94 which is 46.26% higher the current market price of ₹242.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,938 Cr. market cap, FY2025-2026 high/low of ₹345/184, reserves of ₹2,199 Cr, and liabilities of ₹5,501 Cr.
What is the Market Cap of Spandana Sphoorty Financial Ltd?
The Market Cap of Spandana Sphoorty Financial Ltd is 1,938 Cr..
What is the current Stock Price of Spandana Sphoorty Financial Ltd as on 22 January 2026?
The current stock price of Spandana Sphoorty Financial Ltd as on 22 January 2026 is ₹242.
What is the High / Low of Spandana Sphoorty Financial Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Spandana Sphoorty Financial Ltd stocks is ₹345/184.
What is the Stock P/E of Spandana Sphoorty Financial Ltd?
The Stock P/E of Spandana Sphoorty Financial Ltd is .
What is the Book Value of Spandana Sphoorty Financial Ltd?
The Book Value of Spandana Sphoorty Financial Ltd is 257.
What is the Dividend Yield of Spandana Sphoorty Financial Ltd?
The Dividend Yield of Spandana Sphoorty Financial Ltd is 0.00 %.
What is the ROCE of Spandana Sphoorty Financial Ltd?
The ROCE of Spandana Sphoorty Financial Ltd is 3.87 %.
What is the ROE of Spandana Sphoorty Financial Ltd?
The ROE of Spandana Sphoorty Financial Ltd is 31.0 %.
What is the Face Value of Spandana Sphoorty Financial Ltd?
The Face Value of Spandana Sphoorty Financial Ltd is 10.0.