Share Price and Basic Stock Data
Last Updated: November 3, 2025, 10:06 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Spandana Sphoorty Financial Ltd operates in the finance and investments sector, focusing on microfinance. As of its latest reporting, the company’s share price stood at ₹248, with a market capitalization of ₹1,972 Cr. The revenue for FY 2025 was reported at ₹2,181 Cr, reflecting a significant increase from ₹1,329 Cr in FY 2023. The company has demonstrated a consistent upward trend in quarterly revenues, with figures rising from ₹232 Cr in June 2022 to ₹584 Cr by September 2023. This growth trajectory is indicative of effective business strategies aimed at expanding its microfinance operations. However, the revenue for the trailing twelve months (TTM) was ₹1,786 Cr, suggesting fluctuations in revenue generation capabilities over different periods. The company’s reported interest income for FY 2025 was ₹879 Cr, which also indicates a strong revenue stream from lending activities. Overall, the company has positioned itself to capture a larger share of the microfinance market, although it must navigate challenges inherent in the sector.
Profitability and Efficiency Metrics
Spandana Sphoorty’s profitability metrics show a mixed performance. The net profit for FY 2025 was reported as a loss of ₹957 Cr, a substantial decline from a profit of ₹12 Cr in FY 2023. This shift underscores the challenges faced by the company in maintaining profitability amid rising expenses, which surged to ₹2,621 Cr in FY 2025 from ₹919 Cr in FY 2023. The interest coverage ratio (ICR) stood at -0.45x for FY 2025, indicating that the company is currently unable to meet its interest obligations from operational profits, which is a concerning sign of financial distress. The return on equity (ROE) declined to -39.31% in FY 2025, further emphasizing the company’s struggle with profitability. Additionally, the financing profit margin was reported at -60% for FY 2025, showcasing the challenges in maintaining a sustainable lending margin. Overall, while revenue growth is evident, the efficiency metrics suggest significant operational hurdles that need addressing.
Balance Sheet Strength and Financial Ratios
Spandana Sphoorty’s balance sheet reflects some strengths, particularly in terms of reserves which stood at ₹2,551 Cr as of FY 2025, although this is a decrease from ₹2,972 Cr in FY 2023. The company’s total liabilities were recorded at ₹8,008 Cr, with total assets at ₹8,008 Cr as well, indicating a balanced situation in terms of its asset-liability management. The debt-to-equity ratio for FY 2025 was reported at 2.15x, suggesting a high reliance on debt financing, which is a common characteristic in the microfinance sector. The company’s book value per share stood at ₹369.24, which provides a cushion for shareholders. However, the interest coverage ratio remains a critical concern, as it indicates potential liquidity issues. The company’s P/BV ratio of 0.63x suggests that the stock may be undervalued compared to its book value, but this must be weighed against the backdrop of its profitability challenges.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Spandana Sphoorty reveals a diversified ownership structure. As of March 2025, promoters held 48.13% of the company, which reflects a decline from 63.01% in December 2022. Foreign institutional investors (FIIs) owned 19.83%, a slight decrease from 21.79% in March 2024, while domestic institutional investors (DIIs) accounted for 6.45%. Public shareholders represented 25.59%, showing an increase in public participation over time. The total number of shareholders rose significantly, reaching 1,23,001 by March 2025, indicating growing interest among retail investors. However, the declining promoter stake may raise concerns regarding management confidence in the company’s future prospects. The fluctuations in the shareholding structure, particularly the drop in promoter holding, could impact investor sentiment, although the increasing public shareholding indicates a level of confidence among retail investors.
Outlook, Risks, and Final Insight
Looking ahead, Spandana Sphoorty faces a challenging landscape with both potential opportunities and significant risks. The company’s focus on microfinance positions it well within a growing sector, as evidenced by its rising revenues. However, the persistent net losses and negative profitability metrics are alarming and could deter potential investors. The high debt levels pose a risk to financial stability, especially with an interest coverage ratio below one. Additionally, regulatory changes in the microfinance sector could further impact profitability and operations. On the other hand, if Spandana Sphoorty can streamline its operations and manage expenses effectively, it may reverse its profitability trajectory. Investors must weigh these risks against the potential for recovery and growth in a sector that has shown resilience. In conclusion, while the company has reported notable revenue growth, the underlying financial challenges necessitate careful monitoring and strategic adjustments to ensure long-term viability.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Spandana Sphoorty Financial Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 12.6 Cr. | 42.8 | 67.7/36.4 | 44.9 | 43.5 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,456 Cr. | 310 | 495/280 | 15.9 | 102 | 0.32 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 38.7 Cr. | 0.55 | 2.42/0.46 | 3.76 | 0.02 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.18 Cr. | 8.45 | 12.6/8.25 | 10.3 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 30.8 Cr. | 60.0 | 72.0/47.6 | 20.6 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 6,902.31 Cr | 1,416.54 | 113.03 | 3,771.11 | 0.32% | 21.70% | 14.20% | 7.28 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 232 | 281 | 340 | 475 | 487 | 584 | 591 | 631 | 663 | 640 | 509 | 374 | 262 |
| Interest | 92 | 88 | 118 | 146 | 195 | 223 | 241 | 239 | 246 | 245 | 213 | 172 | 139 |
| Expenses | 451 | 127 | 141 | 202 | 155 | 231 | 217 | 255 | 370 | 682 | 834 | 745 | 561 |
| Financing Profit | -311 | 66 | 81 | 127 | 137 | 131 | 133 | 138 | 47 | -287 | -538 | -542 | -438 |
| Financing Margin % | -134% | 24% | 24% | 27% | 28% | 22% | 23% | 22% | 7% | -45% | -106% | -145% | -167% |
| Other Income | 8 | 12 | 15 | 30 | 15 | 30 | 30 | 32 | 26 | 19 | 16 | 3 | 2 |
| Depreciation | 2 | 2 | 3 | 4 | 3 | 5 | 6 | 7 | 4 | 5 | 5 | 6 | 3 |
| Profit before tax | -305 | 76 | 94 | 153 | 149 | 156 | 158 | 164 | 69 | -272 | -526 | -545 | -439 |
| Tax % | -27% | 35% | 26% | 24% | 25% | 25% | 25% | 25% | 26% | -25% | -25% | -25% | -25% |
| Net Profit | -223 | 50 | 69 | 116 | 111 | 116 | 118 | 122 | 51 | -204 | -394 | -410 | -329 |
| EPS in Rs | -25.22 | 5.61 | 7.84 | 13.16 | 12.59 | 13.16 | 13.36 | 13.78 | 5.78 | -22.99 | -44.41 | -46.24 | -37.08 |
| Gross NPA % | 1.95% | 1.49% | 1.27% | 1.50% | 1.43% | 2.60% | 4.88% | 4.85% | 4.85% | ||||
| Net NPA % | 0.64% | 0.45% | 0.38% | 0.45% | 0.29% | 0.52% | 0.97% | 0.96% | 0.96% |
Last Updated: August 20, 2025, 3:15 am
Below is a detailed analysis of the quarterly data for Spandana Sphoorty Financial Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 139.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 172.00 Cr. (Mar 2025) to 139.00 Cr., marking a decrease of 33.00 Cr..
- For Expenses, as of Jun 2025, the value is 561.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 745.00 Cr. (Mar 2025) to 561.00 Cr., marking a decrease of 184.00 Cr..
- For Other Income, as of Jun 2025, the value is 2.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3.00 Cr. (Mar 2025) to 2.00 Cr., marking a decrease of 1.00 Cr..
- For Depreciation, as of Jun 2025, the value is 3.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 6.00 Cr. (Mar 2025) to 3.00 Cr., marking a decrease of 3.00 Cr..
- For Profit before tax, as of Jun 2025, the value is -439.00 Cr.. The value appears strong and on an upward trend. It has increased from -545.00 Cr. (Mar 2025) to -439.00 Cr., marking an increase of 106.00 Cr..
- For Tax %, as of Jun 2025, the value is -25.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded -25.00%.
- For Net Profit, as of Jun 2025, the value is -329.00 Cr.. The value appears strong and on an upward trend. It has increased from -410.00 Cr. (Mar 2025) to -329.00 Cr., marking an increase of 81.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is -37.08. The value appears strong and on an upward trend. It has increased from -46.24 (Mar 2025) to -37.08, marking an increase of 9.16.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:24 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 | 1,786 |
| Interest | 100 | 112 | 129 | 150 | 232 | 358 | 357 | 419 | 515 | 447 | 900 | 879 | 769 |
| Expenses | 113 | 104 | 219 | 196 | 67 | 207 | 477 | 860 | 803 | 919 | 841 | 2,621 | 2,822 |
| Financing Profit | 67 | 87 | -4 | 32 | 288 | 471 | 575 | 164 | 58 | -37 | 539 | -1,319 | -1,804 |
| Financing Margin % | 24% | 29% | -1% | 9% | 49% | 45% | 41% | 11% | 4% | -3% | 24% | -60% | -101% |
| Other Income | 1 | 22 | 251 | 22 | 0 | 5 | 32 | 21 | 15 | 66 | 107 | 64 | 41 |
| Depreciation | 3 | 3 | 4 | 8 | 6 | 7 | 9 | 7 | 9 | 11 | 20 | 19 | 18 |
| Profit before tax | 64 | 106 | 243 | 46 | 283 | 469 | 598 | 178 | 65 | 18 | 626 | -1,274 | -1,782 |
| 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 | -1,337 |
| 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 | -150.72 |
| 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: June 16, 2025, 11:19 am
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 19 | 20 | 20 | 28 | 30 | 60 | 64 | 64 | 69 | 71 | 71 | 71 |
| Reserves | -924 | -864 | -627 | -2 | 216 | 1,827 | 2,544 | 2,652 | 2,962 | 2,972 | 3,485 | 2,551 |
| 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 |
| Other Liabilities | 1,482 | 1,365 | 997 | 68 | 42 | 67 | 317 | 433 | 201 | 208 | 301 | 189 |
| 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 |
| Fixed Assets | 4 | 6 | 14 | 9 | 8 | 9 | 16 | 20 | 14 | 29 | 32 | 26 |
| CWIP | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 2 | 65 | 550 | 115 | 115 | 306 | 329 | 425 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Spandana Sphoorty Financial Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 71.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 71.00 Cr..
- For Reserves, as of Mar 2025, the value is 2,551.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,485.00 Cr. (Mar 2024) to 2,551.00 Cr., marking a decrease of 934.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 189.00 Cr.. The value appears to be improving (decreasing). It has decreased from 301.00 Cr. (Mar 2024) to 189.00 Cr., marking a decrease of 112.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 8,008.00 Cr.. The value appears to be improving (decreasing). It has decreased from 12,870.00 Cr. (Mar 2024) to 8,008.00 Cr., marking a decrease of 4,862.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 26.00 Cr.. The value appears to be declining and may need further review. It has decreased from 32.00 Cr. (Mar 2024) to 26.00 Cr., marking a decrease of 6.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 425.00 Cr.. The value appears strong and on an upward trend. It has increased from 329.00 Cr. (Mar 2024) to 425.00 Cr., marking an increase of 96.00 Cr..
- For Other Assets, as of Mar 2025, the value is 7,557.00 Cr.. The value appears to be declining and may need further review. It has decreased from 12,509.00 Cr. (Mar 2024) to 7,557.00 Cr., marking a decrease of 4,952.00 Cr..
- For Total Assets, as of Mar 2025, the value is 8,008.00 Cr.. The value appears to be declining and may need further review. It has decreased from 12,870.00 Cr. (Mar 2024) to 8,008.00 Cr., marking a decrease of 4,862.00 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 - No data available for this post.
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 |
|---|---|---|---|---|---|---|
| Edelweiss Small Cap Fund | 415,729 | 1.56 | 46.92 | 415,729 | 2025-04-22 17:25:20 | 0% |
| Edelweiss Mid Cap Fund | 334,527 | 0.82 | 37.76 | 334,527 | 2025-04-22 17:25:20 | 0% |
| Tata Banking and Financial Services Fund | 300,000 | 1.75 | 33.86 | 300,000 | 2025-04-22 17:25:20 | 0% |
| Union Flexi Cap Fund | 265,000 | 1.6 | 29.91 | 265,000 | 2025-04-22 17:25:20 | 0% |
| Union Small Cap Fund | 244,751 | 2.15 | 27.63 | 244,751 | 2025-04-22 17:25:20 | 0% |
| JM Flexicap Fund | 125,000 | 1.14 | 14.11 | 125,000 | 2025-04-22 17:25:20 | 0% |
| Union Multicap Fund | 117,800 | 1.77 | 13.3 | 117,800 | 2025-04-22 17:25:20 | 0% |
| Union Innovation & Opportunities Fund | 105,233 | 2.09 | 11.88 | 105,233 | 2025-04-22 17:25:20 | 0% |
| Union Midcap Fund | 102,958 | 1.19 | 11.62 | 102,958 | 2025-04-22 17:25:20 | 0% |
| JM Value Fund | 97,500 | 2.71 | 11 | 97,500 | 2025-04-22 17:25:20 | 0% |
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
Unable to fetch valid data for stock valuation.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: 21.7%)
- 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: 113.03)
- 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 | shareholders@spandanasphoorty.com http://www.spandanasphoorty.com |
| 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 03 November 2025) is 975.16 which is 291.63% higher the current market price of 249.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,985 Cr. market cap, FY2025-2026 high/low of 494/184, reserves of ₹2,551 Cr, and liabilities of 8,008 Cr.
What is the Market Cap of Spandana Sphoorty Financial Ltd?
The Market Cap of Spandana Sphoorty Financial Ltd is 1,985 Cr..
What is the current Stock Price of Spandana Sphoorty Financial Ltd as on 03 November 2025?
The current stock price of Spandana Sphoorty Financial Ltd as on 03 November 2025 is 249.
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 494/184.
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.