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Last Updated on: 27 February, 2024|Author: Getaka | Social: X Twitter Profile

Fundamental Analysis of Spandana Sphoorty Financial Ltd

About the Company - Spandana Sphoorty Financial Ltd

Spandana Sphoorty Financial Ltd. is a Public Limited Listed company incorporated on 10/03/2003 and has its registered office in the State of Telangana, India. Company’s Corporate Identification Number(CIN) is L65929TG2003PLC040648 and registration number is 040648. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company’s Total Operating Revenue is Rs. 1376.34 Cr. and Equity Capital is Rs. 69.10 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance & InvestmentsGalaxy, Wing B, 16th Floor, Plot No.1, Sy No 83/1, Hyderabad Knowledge City, Hyderabad Telangana 500081secretarial@spandanasphoorty.com
http://www.spandanasphoorty.com
Management
NamePosition Held
Ms. Abanti MitraChairman & Ind.Director
Mr. Shalabh SaxenaManaging Director & CEO
Mrs. Padmaja GangireddyNon Executive Director
Mr. Deepak Calian VaidyaIndependent Director
Mr. Jagdish CapoorIndependent Director
Mr. Animesh ChauhanIndependent Director
Mr. Vinayak PrasadIndependent Director
Mrs. Dipali Hemant ShethIndependent Director
Mr. Sunish SharmaNon Exe. & Nominee Director
Mr. Neeraj SwaroopNon Exe. & Nominee Director
Mr. Kartikeya Dhruv KajiNon Exe. & Nominee Director
Mr. Ramachandra K KamathNon Exe. & Nominee Director

Spandana Sphoorty Financial Ltd. Share Price Update

Share PriceValue
Today₹958.50
Previous Day₹943.70

Basic Stock Data of Spandana Sphoorty Financial Ltd

Market Cap 6,887 Cr.
Current Price 968
High / Low1,243/470
Stock P/E14.9
Book Value 462
Dividend Yield0.00 %
ROCE5.97 %
ROE0.41 %
Face Value 10.0

Data Source: screener.in

Competitors of Spandana Sphoorty Financial Ltd

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
MAS Financial Services Ltd 5,433 Cr. 331388/22722.8 1000.37 %11.4 %14.2 % 10.0
STEL Holdings Ltd 617 Cr. 334355/13247.5 6160.00 %2.11 %1.58 % 10.0
Blue Chip India Ltd 17.8 Cr. 3.213.21/0.25 0.870.00 %4.62 %4.62 % 2.00
5Paisa Capital Ltd 1,777 Cr. 570759/27028.2 1610.00 %12.4 %10.6 % 10.0
Abhinav Leasing & Finance Ltd 11.4 Cr. 2.273.57/1.3418.9 1.130.00 %47.5 %1.78 % 1.00
Industry Average1,571.24 Cr248.1023.48175.800.07%15.61%6.56%6.60

Spandana Sphoorty Financial Ltd Quarterly Results

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Revenue327459413372328263232281340475487584591
Interest1131351371431321029288118146195223241
Expenses256271212300144148451127141202155231217
Financing Profit-425363-715213-3116681127137131133
Financing Margin %-13%11%15%-19%16%5%-134%24%24%27%28%22%23%
Other Income66003128121530153030
Depreciation2221232234356
Profit before tax-385761-725323-3057694153149156158
Tax %20%26%23%18%24%19%27%35%26%24%25%25%25%
Net Profit-304248-594018-2235069116111116118
EPS in Rs-4.726.477.39-9.146.172.64-31.396.989.7616.3715.6516.3616.62
Gross NPA %17.70%1.95%1.49%1.27%
Net NPA %0.64%0.45%0.38%

Spandana Sphoorty Financial Ltd Quarterly Chart

Spandana Sphoorty Financial Ltd Profit & Loss

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue3522582803033453785871,0361,4091,4441,3761,3292,138
Interest2816100112129150232358357419515447805
Expenses3411,42711310421919667207477860803919805
Financing Profit-270-1,1746787-43228847157516458-37528
Financing Margin %-77%-455%24%29%-1%9%49%45%41%11%4%-3%25%
Other Income514122251220532211566105
Depreciation433348679791117
Profit before tax-270-1,16364106243462834695981786518616
Tax %0%0%0%1%0%-873%34%34%44%27%28%32%
Net Profit-270-1,163641052434431883093371294712462
EPS in Rs-139.23-599.8833.1851.57119.35155.8663.1751.7752.3520.056.751.7465.00
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%

Spandana Sphoorty Financial Ltd Profit & Loss Yearly Chart

Spandana Sphoorty Financial Ltd Growth

Compounded Sales Growth
10 Years:18%
5 Years:18%
3 Years:-2%
TTM:91%
Compounded Profit Growth
10 Years:7%
5 Years:-42%
3 Years:-67%
TTM:640%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:16%
1 Year:62%
Return on Equity
10 Years:%
5 Years:7%
3 Years:2%
Last Year:0%

Spandana Sphoorty Financial Ltd Balance Sheet

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital19191920202830606464697171
Reserves192-970-924-864-627-22161,8272,5442,6522,8872,9723,215
Preference Capital9069418948087919011,14500000
Borrowings1,2851,0437031,0239199332,3312,9453,0165,1973,6315,9347,507
Other Liabilities1,4402,4862,3752,1731,7889691,18867317433276208141
Total Liabilities2,9362,5772,1732,3522,1001,9293,7644,8985,9428,3466,8649,18610,934
Fixed Assets10746149891620142933
CWIP0006000000000
Investments000000265550115115306246
Other Assets2,9252,5712,1692,3412,0851,9203,7544,8245,3758,2116,7368,85010,656
Total Assets2,9362,5772,1732,3522,1001,9293,7644,8985,9428,3466,8649,18610,934

Spandana Sphoorty Financial Ltd Reserves and Borrowings Chart

Spandana Sphoorty Financial Ltd Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity 477-143173-182114-59-1,855-650-54-1,618820-2,053
Cash from Investing Activity 19850-7-10-1-6-59-48551445-178
Cash from Financing Activity -175-207-320222-1283151,6737524472,181-1,2722,317
Net Cash Flow322-342-9733-24255-18843-921,077-40786

Spandana Sphoorty Financial Ltd Financial Efficiency Indicators

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
ROE %-79%138%29%15%5%2%0%

Spandana Sphoorty Financial Ltd Financial Efficiency Indicators Chart

Spandana Sphoorty Financial Ltd Share Holding Pattern

MonthMar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Promoters62.38%62.38%62.29%62.29%62.62%63.59%63.03%63.01%63.00%62.41%60.41%59.89%
FIIs10.94%10.98%12.43%10.20%12.19%12.66%13.13%19.59%20.24%21.25%18.74%19.05%
DIIs4.60%4.57%4.55%4.55%4.22%4.11%8.41%8.89%8.43%8.43%13.02%13.45%
Public22.08%22.08%20.74%22.96%20.97%19.63%15.43%8.51%8.32%7.92%7.82%7.62%
No. of Shareholders17,19122,61021,94625,48229,33626,57519,61417,77617,13018,95520,70625,870

Spandana Sphoorty Financial Ltd Shareholding Pattern Chart

No. of Spandana Sphoorty Financial Ltd Shareholders

Spandana Sphoorty Financial Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
Edelweiss Small Cap Fund4157291.5646.92
Edelweiss Mid Cap Fund3345270.8237.76
Tata Banking and Financial Services Fund3000001.7533.86
Union Flexi Cap Fund2650001.629.91
Union Small Cap Fund2447512.1527.63
JM Flexicap Fund1250001.1414.11
Union Multicap Fund1178001.7713.3
Union Innovation & Opportunities Fund1052332.0911.88
Union Midcap Fund1029581.1911.62
JM Value Fund975002.7111

Spandana Sphoorty Financial Ltd ROCE Trend

Spandana Sphoorty Financial Ltd EPS Trend

Spandana Sphoorty Financial Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
FaceValue10.0010.0010.0010.0010.00
Basic EPS (Rs.)1.7410.7522.5556.2153.46
Diluted EPS (Rs.)1.7410.7222.4755.7453.35
Cash EPS (Rs.)3.2811.4323.8056.0853.47
Book Value[Excl.RevalReserv]/Share (Rs.)436.62447.20427.75408.50316.99
Book Value[Incl.RevalReserv]/Share (Rs.)436.62447.20427.75408.50316.99
Revenue From Operations / Share (Rs.)197.34211.71230.53223.17174.92
PBDIT / Share (Rs.)68.5593.5298.15152.94140.57
PBIT / Share (Rs.)67.0292.1996.96151.56139.41
PBT / Share (Rs.)2.5114.0231.1796.1679.40
Net Profit / Share (Rs.)1.7510.1122.6254.7052.30
NP After MI And SOA / Share (Rs.)1.7310.0522.5554.6552.29
PBDIT Margin (%)34.7344.1742.5768.5380.36
PBIT Margin (%)33.9643.5442.0667.9179.69
PBT Margin (%)1.276.6213.5143.0845.39
Net Profit Margin (%)0.884.779.8124.5129.90
NP After MI And SOA Margin (%)0.874.749.7824.4829.89
Return on Networth / Equity (%)0.392.245.2713.3816.50
Return on Capital Employeed (%)7.2712.8112.5027.6725.10
Return On Assets (%)0.130.981.695.876.32
Long Term Debt / Equity (X)1.090.580.740.300.73
Total Debt / Equity (X)1.961.221.951.151.57
Asset Turnover Ratio (%)0.160.170.200.250.23
Current Ratio (X)3.203.242.342.412.89
Quick Ratio (X)3.193.242.342.412.89
Interest Coverage Ratio (X)1.061.201.492.762.34
Interest Coverage Ratio (Post Tax) (X)1.031.131.341.991.87
Enterprise Value (Cr.)8850.524868.617881.146545.700.00
EV / Net Operating Revenue (X)6.323.335.324.560.00
EV / EBITDA (X)18.197.5312.496.650.00
MarketCap / Net Operating Revenue (X)2.701.572.622.630.00
Price / BV (X)1.220.741.411.440.00
Price / Net Operating Revenue (X)2.701.572.622.630.00
EarningsYield0.000.030.030.090.00

Spandana Sphoorty Financial Ltd Profitability Ratios (%)

Spandana Sphoorty Financial Ltd Liquidity Ratios

Spandana Sphoorty Financial Ltd Liquidity Ratios (%)

Spandana Sphoorty Financial Ltd Interest Coverage Ratios (X)

Spandana Sphoorty Financial Ltd Valuation Ratios

Fair Value / Intrinsic Value of Spandana Sphoorty Financial Ltd

Fair Value: ₹28.79

The stock is overvalued by 97.03% compared to the current price ₹968

*Investments are subject to market risks

Strength and Weakness of Spandana Sphoorty Financial Ltd

Unable to fetch valid data for stock valuation.

Should I Buy Spandana Sphoorty Financial Ltd Share Now?

  • Considering various financial indicators, investors might exercise caution regarding investment in Spandana Sphoorty Financial Ltd:
    1. Net Profit Margin: 0.88%
      • 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.
    2. ROCE: 7.27% (Industry Average ROCE: 7.89%)
      • 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.
    3. Interest Coverage Ratio (Post Tax): 1.03
      • 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.
    4. Quick Ratio: 3.19
      • 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.
    5. ✓ Stock P/E: 15.3 (Industry average Stock P/E: 34.6)
      • 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.
    6. ✗ Total Debt / Equity: 1.96
      • 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.
    The current analysis suggests exercising caution. It's advisable to conduct further research or consult with financial experts before considering any investment.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Spandana Sphoorty Financial Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE