Spandana Sphoorty Financial Limited
Financial Services›Financial Services›Finance›Microfinance Institutions
Key metrics
Price as of 2026-07-17
Stock price
₹296.90
Market cap
2,374 Cr
Stock P/E
449.8
P/B
1.11
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | — | — | — | — | — | — | — | — | — | — |
| Other income | 16 Cr | 46 Cr | 76 Cr | 110 Cr | 27 Cr | 47 Cr | 18 Cr | 4 Cr | 4 Cr | 10 Cr | 11 Cr | 17 Cr |
| Net operating income | 16 Cr | 46 Cr | 76 Cr | 110 Cr | 27 Cr | 47 Cr | 18 Cr | 4 Cr | 4 Cr | 10 Cr | 11 Cr | 17 Cr |
| Employee cost | 103 Cr | 215 Cr | 336 Cr | 473 Cr | 135 Cr | 288 Cr | 184 Cr | 161 Cr | 146 Cr | 130 Cr | 144 Cr | 113 Cr |
| Other expenses | 32 Cr | 71 Cr | 110 Cr | 160 Cr | 52 Cr | 114 Cr | 76 Cr | 41 Cr | 59 Cr | 54 Cr | 56 Cr | 44 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 3 Cr | 8 Cr | 13 Cr | 20 Cr | 4 Cr | 10 Cr | 6 Cr | 7 Cr | 4 Cr | 4 Cr | 4 Cr | 4 Cr |
| Profit before tax | 161 Cr | 328 Cr | 498 Cr | 671 Cr | 75 Cr | -214 Cr | -588 Cr | -578 Cr | -481 Cr | -327 Cr | -125 Cr | 8 Cr |
| Tax % | 25.6% | 25.4% | 25.3% | 25.3% | 25.8% | 24.8% | 25.1% | 24.8% | 25.1% | 23.8% | 24.3% | 34.3% |
| Net profit | 119 Cr | 245 Cr | 372 Cr | 501 Cr | 56 Cr | -161 Cr | -440 Cr | -434 Cr | -360 Cr | -249 Cr | -95 Cr | 5 Cr |
| EPS (₹) | ₹16.83 | ₹34.45 | ₹52.37 | ₹70.42 | ₹7.81 | ₹-22.53 | ₹-61.73 | ₹-60.91 | ₹-50.52 | ₹-32.76 | ₹-11.88 | ₹0.66 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2020Standalone only | Mar 2021Standalone only | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | — | — | 1,311 Cr | — | — | Sign in for TTM |
| Other income | 34 Cr | 23 Cr | 17 Cr | 76 Cr | 110 Cr | 69 Cr | 42 Cr | Sign in for TTM |
| Net operating income | 34 Cr | 23 Cr | 17 Cr | 76 Cr | 1,422 Cr | 69 Cr | 42 Cr | Sign in for TTM |
| Employee cost | 171 Cr | 172 Cr | 228 Cr | 306 Cr | 473 Cr | 632 Cr | 533 Cr | Sign in for TTM |
| Other expenses | 42 Cr | 55 Cr | 125 Cr | 140 Cr | 160 Cr | 230 Cr | 214 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 9 Cr | 8 Cr | 9 Cr | 11 Cr | 20 Cr | 23 Cr | 16 Cr | Sign in for TTM |
| Profit before tax | 618 Cr | 200 Cr | 97 Cr | 18 Cr | 671 Cr | -1,379 Cr | -925 Cr | Sign in for TTM |
| Tax % | 43.1% | 27.4% | 27.9% | 30.5% | 25.3% | 24.9% | 24.5% | Sign in for TTM |
| Net profit | 351 Cr | 145 Cr | 70 Cr | 12 Cr | 501 Cr | -1,035 Cr | -699 Cr | Sign in for TTM |
| EPS (₹) | ₹56.21 | ₹22.55 | ₹10.75 | ₹1.74 | ₹70.42 | ₹-145.17 | ₹-91.01 | Sign in for TTM |
| Dividend payout % | — | — | 0.0% | 0.0% | 0.0% | — | — | Sign in for TTM |
Sign in for TTM
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2020Standalone only | Mar 2021Standalone only | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Equity capital | 64 Cr | 64 Cr | 69 Cr | 71 Cr | 71 Cr | 71 Cr | 80 Cr |
| Reserves | 2,544 Cr | 2,685 Cr | 3,021 Cr | 3,028 Cr | 3,574 Cr | 2,562 Cr | 2,050 Cr |
| Borrowings | 2,218 Cr | 3,143 Cr | 1,974 Cr | 2,685 Cr | 5,340 Cr | 3,391 Cr | 1,767 Cr |
| Other liabilities | 1,115 Cr | 2,488 Cr | 2,013 Cr | 3,598 Cr | 4,397 Cr | 2,469 Cr | 2,349 Cr |
| Total liabilities | 5,942 Cr | 8,346 Cr | 7,076 Cr | 9,383 Cr | 13,383 Cr | 8,494 Cr | 6,246 Cr |
| Fixed assets (net) | 15 Cr | 20 Cr | 7 Cr | 25 Cr | 30 Cr | 31 Cr | 18 Cr |
| CWIP | — | 0.0000 Cr | — | — | — | 0.0000 Cr | — |
| Investments | 550 Cr | 115 Cr | 2 Cr | 189 Cr | 112 Cr | 110 Cr | 114 Cr |
| Other assets | 76 Cr | 1,143 Cr | 747 Cr | 815 Cr | 1,398 Cr | 1,236 Cr | 769 Cr |
| Total assets | 5,942 Cr | 8,346 Cr | 7,076 Cr | 9,383 Cr | 13,383 Cr | 8,494 Cr | 6,246 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2020Standalone only | Mar 2021Standalone only | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | 863 Cr | -2,171 Cr | -2,707 Cr | 3,669 Cr | 882 Cr |
| Cash from investing | — | — | 36 Cr | -175 Cr | 86 Cr | -119 Cr | 165 Cr |
| Cash from financing | — | — | -1,307 Cr | 2,433 Cr | 3,205 Cr | -3,712 Cr | -1,514 Cr |
| Net cash flow | — | — | -408 Cr | 86 Cr | 585 Cr | -162 Cr | -466 Cr |
| Free cash flow (OCF − Capex) | — | — | 856 Cr | -2,184 Cr | -2,732 Cr | 3,646 Cr | 878 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2020Standalone only | Mar 2021Standalone only | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| ROCE % | 1515.6% | 22.7% | 12.2% | 6.9% | 16.6% | -7.4% | -10.7% |
| ROE % | 14.0% | 5.3% | 2.3% | 0.0% | 13.7% | -39.3% | 0.0% |
| Debtor days | 6 | 3 | 5 | — | — | 0 | — |
| Inventory days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — |
| Cash conversion cycle | 6 | 3 | 5 | 0 | 0 | 0 | 0 |
| Debt / equity | 0.85 | 0.02 | 0.64 | 0.87 | 1.47 | 1.29 | 0.83 |
| Current ratio | — | — | — | — | — | — | — |
| Net debt / EBITDA | 0.00 | 0.00 | 1.98 | 4.56 | 2.61 | — | — |
Compare with peers
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