SPANDANA

Spandana Sphoorty Financial Ltd.

NSE: SPANDANA

BSE: 542759

Sector: Financial Services

Industry Group: Finance

Industry: Microfinance Institutions

239.74+0.9 (+0.37%)

8 Sep, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

42.2 / 100

Value Score

20.9 / 100

Price Momentum Score

49.4 / 100

QVM Score

22.3 / 100

Key Metrics

Market Cap

1709.47

P/E (TTM)

P/B

0.80

P/S (TTM)

1.70

EV/EBITDA

14.00

CAPE (5Y)

ROE (TTM)

-29.36

ROCE (TTM)

3.63

ROA (TTM)

-9.49

Avg 3Y ROE

-15.83

Earnings 3Y CAGR

-42.74

Sales 3Y CAGR

-15.37

Sales 5Y CAGR

-8.73

Debt/Equity

1.86

Consensus TP

290.00

Strong Buy %

25.00

Promoter Holding

48.16

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Spandana Sphoorty Financial Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and PB is at a discount to industry median

PB of 0.8 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is decent at -32.2%

What is P/B Ratio?

Median: 1.18

Value 0.8

0.82.9

Reasonable Debt to Equity, and decreasing

The company has reasonable Debt to Equity of 1.86 as on 30 Jun 2026 but Debt to Equity decreased by 0.29 in the last 1 year

What is Debt to Equity?

Negative

Analysts have been downgrading forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has decreased by -22.63% in the last 3 months, indicating weak earnings momentum

What is Earnings upgrade (3M)?

Low revenue growth and lower than median growth of industry

The company delivered moderate revenue growth of -48.22% for 12-month ended 30 Jun 2026 and the growth was 53.05 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: 4.83

Value -48.22

-48.2219.69

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Low ROE but improving trend

The company reported low ROE of -29.36% for 12-month ended 30 Jun 2026 but ROE improved by 361 bps from 1 year ago

What is ROE (FY)?

High operating margin but declining trend

The company reported strong operating margin of 29.67% for 12-month ended 30 Jun 2026 but operating margin declined by -2394 bps from 1 year ago

What is Operating profit margin?

Strong EPS growth but lower than median growth of industry

The company delivered strong EPS growth of 78.04% for 12-month ended 30 Jun 2026 but the growth was 147.29 percentage points lower than median growth ofindustry

What is EPS growth (1Y)?

Financial Snapshot

See detailed analysis

Multi-year trends for Spandana Sphoorty Financial Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Spandana Sphoorty Financial Ltd. Shareholding Pattern

Quarterly breakdown of Spandana Sphoorty Financial Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	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	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total Promoter	62.58	62.59	62.64	62.36	62.38	62.38	62.29	62.29	62.62	63.59	63.03	63.01	63.00	62.41	60.41	59.89	59.75	56.85	55.83	48.13	48.13	48.16	48.16	48.16	48.16	48.16
Indian Promoter	17.02	17.03	17.07	16.79	16.82	16.82	16.79	16.79	20.21	22.29	21.74	21.73	21.72	21.14	19.19	18.72	18.65	15.76	14.74	7.03	7.03	7.04	7.04	7.04	7.04	7.04
Foreign Promoter	45.56	45.56	45.56	45.56	45.56	45.56	45.50	45.50	42.41	41.30	41.29	41.28	41.28	41.27	41.22	41.17	41.10	41.10	41.10	41.10	41.10	41.12	41.12	41.12	41.12	41.12
Institutions	16.33	16.33	15.46	15.18	15.54	15.55	16.98	14.75	16.41	16.77	21.54	28.49	28.67	29.68	31.77	32.49	32.33	31.80	29.97	28.02	26.28	26.44	26.37	26.13	25.68	24.98
Mutual Funds / UTI	0.05	0.05	0.05	0.00	0.00	0.02	0.02	0.02	0.00	-	-	0.64	0.64	0.64	1.27	3.57	2.25	1.75	1.24	0.22	0.31	0.56	0.47	0.51	0.54	0.77
FI/Bank/Insurance	0.47	0.47	0.44	0.44	0.44	0.44	0.44	0.44	0.41	0.40	4.70	4.70	4.50	4.47	8.41	7.30	5.75	4.55	3.51	3.32	3.22	2.98	2.98	2.98	2.98	2.98
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	11.62	11.60	10.84	10.60	10.94	10.98	12.43	10.20	12.19	12.66	13.13	19.59	20.24	21.25	18.74	19.05	21.79	22.83	22.64	21.71	19.83	20.26	20.26	20.35	19.89	19.29
Other Institutions	4.20	4.20	4.14	4.14	4.16	4.10	4.09	4.09	3.81	3.72	3.71	3.55	3.29	3.32	3.34	2.58	2.53	2.66	2.58	2.76	2.92	2.64	2.67	2.30	2.27	1.94
Non-Institution	21.09	21.08	21.90	22.46	22.08	22.08	20.74	22.96	20.97	19.63	15.43	8.50	8.32	7.91	7.82	7.62	7.92	11.35	14.19	23.85	25.59	25.41	25.47	25.71	26.16	26.86
Bodies Corporate	2.86	3.03	3.26	3.15	1.94	2.00	1.82	2.27	1.76	1.50	2.66	1.76	1.67	1.49	1.52	1.17	1.01	1.33	1.21	1.25	1.60	2.21	2.00	2.42	2.56	2.48
Others (incl. Retail) No. of shareholders	18.23 7,171	18.05 9,129	18.64 10,937	19.31 13,533	20.14 16,943	20.08 22,325	18.92 21,711	20.69 25,237	19.21 29,110	18.13 26,351	12.77 19,378	6.74 17,545	6.65 16,892	6.42 18,698	6.30 20,411	6.45 25,515	6.91 35,373	10.02 48,219	12.98 73,510	22.60 90,610	23.99 1,22,593	23.20 1,21,085	23.47 1,20,079	23.29 1,16,374	23.60 1,12,685	24.38 1,08,209

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Spandana Sphoorty Financial Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
Kedaara Capital Fund III LLP Promoter Group	March-2022	Preferential Offer (Acquisition) 24th Mar 2022	0.00 %	₹ 458.78	31.61 lac	₹ 145.00 cr
Chaitanya D. Vaidya Directors Immediate Relative	March-2021	Market Sale (Disposal) 19th Mar 2021	0.06 %	₹ 600.06	37.05 k	₹ 2.22 cr
Padmaja Gangireddy Promoter & Director	February-2021	Market Purchase (Acquisition) 19th Feb 2021	16.01 %	₹ 681.37	5.00 k	₹ 34.07 lac
Padmaja Gangireddy Promoter & Director	February-2021	Market Purchase (Acquisition) 16th Feb 2021	15.99 %	₹ 684.37	10.00 k	₹ 68.44 lac

Corporate Actions

History of Spandana Sphoorty Financial Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Rights Issue(10 new shares @ ₹230 for 41 existing shares)
Ex-date: 24th Jul 2025Announced on: 18th Jul 2025
"Rights ISIN INE572J20011CINS Y8T89X197."

Company Profile

Overview of Spandana Sphoorty Financial Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Spandana Sphoorty Financial Limited is an India-based rural-focused non-banking financial company. The Company is a microfinance lender (NBFC-MFI) with a geographically diversified presence in India. It offers loans under the joint liability group (JLG) model, to women from low-income households in ...

Key personnel

Mr. Ashish Kumar Damani

President and Chief Financial Officer

Mr. Venkatesh Krishnan

Managing Director and Chief Executive Officer

Mr. Prashant Rai

Chief People Officer

Mr. Subhrangsu Chakravarty

Chief Financial Controller

Ms. Shilpa Jain

Chief of Financial Reporting and Assurance

Mr. Sunand Sahu

Chief Internal Auditor

Mr. Vinay Prakash Tripathi

Company Secretary

Mr. Vinay Prakash Tripathi

Company Secretary

View all

Incorporated on

10 Mar 2003

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

9,405

IPO date

19 Aug 2019

Free Float

2,90,16,032

Website

https://spandanasphoorty.com/

Phone no.

+18802035220

Address

Galaxy, Wing B, 16th Floor,, Plot No.1, Sy No 83/1, Hyderabad Knowledge City,, TSIIC, Raidurg Panmaktha,, HYDERABAD, 500081, India

Frequently Asked Questions

What is the current share price of Spandana Sphoorty Financial Ltd.?

The current share price of Spandana Sphoorty Financial Ltd. is ₹ 239.74 as of 8 Sep 2026.

What is the market capitalisation of Spandana Sphoorty Financial Ltd.?

The market capitalisation of Spandana Sphoorty Financial Ltd. stands at ₹ 1,709.47 Cr.

What is the PE ratio of Spandana Sphoorty Financial Ltd.?

The Price-to-Earnings (PE) ratio of Spandana Sphoorty Financial Ltd. is - as of the latest trailing twelve months data.

What is the ROE and ROCE of Spandana Sphoorty Financial Ltd.?

Spandana Sphoorty Financial Ltd. has a Return on Equity (ROE) of -29.36% and a Return on Capital Employed (ROCE) of 3.63% as per the latest financial reports.

What is the 52-week high and low of Spandana Sphoorty Financial Ltd.?

The 52-week high of Spandana Sphoorty Financial Ltd. is - and the 52-week low is -.

What is the dividend yield of Spandana Sphoorty Financial Ltd.?

The dividend yield of Spandana Sphoorty Financial Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in Spandana Sphoorty Financial Ltd.?

Foreign Institutional Investors (FII) hold 19.29%, Domestic Institutional Investors (DII) hold 3.75% and retail/public investors hold 24.38% of Spandana Sphoorty Financial Ltd. shares.

What sector does Spandana Sphoorty Financial Ltd. belong to?

Spandana Sphoorty Financial Ltd. operates in the Financial Services sector. 50% of analysts have a Buy or Strong Buy rating on Spandana Sphoorty Financial Ltd. with a consensus target price of ₹ 290.00, implying 20.96% upside from current levels.

What is the beta of Spandana Sphoorty Financial Ltd.?

The beta of Spandana Sphoorty Financial Ltd. is 1.45, indicating its price volatility relative to the broader market. Over the past 1 year, Spandana Sphoorty Financial Ltd. has delivered an absolute return of -5.23%.

What is the RSI of Spandana Sphoorty Financial Ltd.?

The 14-day Relative Strength Index (RSI) of Spandana Sphoorty Financial Ltd. is 41.38, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

Spandana Sphoorty Financial Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Spandana Sphoorty Financial Ltd. Shareholding Pattern

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Corporate Actions

Company Profile