	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	C 2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M PR	12M IR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Total Revenue	302	344	377	587	1,043	1,435	1,483	1,463	1,401	2,401	2,355	1,024
Total Operating Expenses	108	99	96	108	172	221	234	362	457	654	884	763
Operating Profit	194	245	281	479	871	1,214	1,249	1,100	944	1,747	1,471	261
Operating Margin	64.4	71.2	74.6	81.5	83.5	84.6	84.2	75.2	67.4	72.8	62.5	25.5
Financing Income/(Expense) - Net	-112	-129	-149	-232	-358	-356	-423	-540	-458	-927	-932	-508
Profit before Taxes	106	243	46	283	473	618	200	97	18	671	-1,379	-925
Income Taxes	1	-	-398	95	162	267	55	27	5	170	-344	-226
Profit after Tax	105	243	443	188	312	351	145	69	12	501	-1,035	-699
PAT Margin	34.8	70.7	117.6	32.0	29.9	24.5	9.8	4.7	0.9	20.9	-44.0	-68.3
EPS - Basic - ex Extraordinary Items	15.57	36.04	65.71	27.85	37.87	53.46	21.45	10.22	1.66	66.97	-138.05	-91.01
EPS - Diluted - ex Extraordinary Items	15.57	36.04	65.71	27.85	37.85	53.00	21.45	10.20	1.65	65.98	-138.05	-91.01
EBIT	194	245	281	479	871	1,214	1,249	1,100	944	1,747	1,471	261
EBITDA	198	249	290	485	878	1,223	1,256	1,110	955	1,767	1,494	277
EBITDA Margin	65.4	72.3	76.8	82.5	84.2	85.2	84.7	75.9	68.2	73.6	63.4	27.1

Balance Sheet

Abridged

Understanding Balance Sheet

Spandana Sphoorty Financial Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	PR	PR	PR	PR	PR	AR	AR	AR	AR	AR	AR	PRESS
Property Plant & Equipment - Net	10	12	7	6	7	15	20	7	25	30	31	18
Total Assets	2,352	2,100	1,929	3,764	4,932	5,977	8,577	7,076	9,383	13,383	8,494	6,246
Long Term Debt	375	-	-	-	-	3,037	5,389	1,557	1,933	3,125	1,506	3,943
Total Liabilities	2,389	1,916	1,001	2,374	3,041	3,350	5,826	3,986	6,283	9,738	5,860	4,117
Total Shareholders' Equity	-36	184	928	1,391	1,889	2,626	2,749	3,088	3,099	3,645	2,633	2,129
Minority Interest	-	-	-	-	1	1	2	2	0	0	0	0
Total Equity	-36	184	928	1,391	1,890	2,627	2,751	3,090	3,099	3,645	2,633	2,130
Total Liabilities & Equity	2,352	2,100	1,929	3,764	4,932	5,977	8,577	7,076	9,383	13,383	8,494	6,246
Total Current Assets	1,173	1,215	1,490	3,366	4,684	-	-	-	-	-	-	-
Total Current Liabilities	894	1,114	959	2,346	3,012	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

Spandana Sphoorty Financial Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	C 2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	97	139	163	183	508	888	795	334	504	502	-1,229	-1,346
Working Capital - Increase/(Decrease)	-279	-25	-222	-2,038	-1,082	-923	-2,548	527	-2,676	-3,147	4,943	2,277
Net CF from Operating Activities	-181	114	-59	-1,855	-573	-35	-1,753	861	-2,172	-2,645	3,714	931
Capital Expenditures - Net	8	10	3	5	8	5	12	12	13	26	22	3
Net CF from Investing Activities	-7	-10	-1	-4	-33	-487	482	36	-175	-207	-167	115
Dividends Paid - Cash - Total	-	-	-	-	0	-	-	-	-	-	-	-
Stock - Issuance/(Retirement) - Net	-102	-70	190	275	138	393	-	292	11	14	0	195
Debt - LT & ST - Issuance/(Retirement) - Total	324	-58	15	1,398	512	56	2,346	-1,597	2,423	3,422	-3,711	-1,708
Net Cash Flow from Financing Activities	222	-128	315	1,673	650	434	2,346	-1,305	2,433	3,436	-3,710	-1,513
Free Cash Flow to Equity	135	46	-47	-462	-69	16	582	-748	238	751	-18	-779
Free Operating CF net dividend	-189	104	-62	-1,860	-581	-40	-1,768	847	-2,185	-2,671	3,692	927
Free Operating CF	-189	104	-62	-1,860	-581	-40	-1,768	847	-2,185	-2,671	3,692	927

Business Segment Analysis

FY End:

Mar 25

Spandana Sphoorty Financial Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Consumer Lending (100.0%)₹ 22.30 Cr

Revenue / Sales

Consumer Lending (100.0%)₹ 2,355.16 Cr

Assets

Consumer Lending (100.0%)₹ 8,493.53 Cr

Operating Income

Consumer Lending (100.0%)₹ 1,470.87 Cr

Regional Segment Analysis

FY End:

Mar 25

Spandana Sphoorty Financial Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 2,355.16 Cr

Assets

India (100.0%)₹ 8,493.53 Cr

Historical Segment Analysis

Track how Spandana Sphoorty Financial Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31

Consumer Lending	5	15	14	13	26	22

Frequently Asked Questions

What is the revenue of Spandana Sphoorty Financial Ltd.?

The latest trailing twelve month revenue of Spandana Sphoorty Financial Ltd. is ₹ 1,023.96 Cr, reflecting a 1-year growth of -56.52% and a 3-year CAGR of -9.92%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Spandana Sphoorty Financial Ltd.?

The latest trailing twelve month net profit (PAT) of Spandana Sphoorty Financial Ltd. is ₹ -699.09 Cr, with a 3-year earnings CAGR of -285.11%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Spandana Sphoorty Financial Ltd.?

The trailing twelve month EBITDA of Spandana Sphoorty Financial Ltd. is approximately ₹ 261.24 Cr (based on an operating margin of 25.51%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Spandana Sphoorty Financial Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Spandana Sphoorty Financial Ltd. is -91.01. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Spandana Sphoorty Financial Ltd.?

The debt-to-equity ratio of Spandana Sphoorty Financial Ltd. stands at 1.85. The interest coverage ratio is 0.51x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Spandana Sphoorty Financial Ltd.?

The estimated book value per share of Spandana Sphoorty Financial Ltd. is 309.39 (derived from a P/B ratio of 0.98 and market price of ₹ 303.45), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Spandana Sphoorty Financial Ltd.?

The trailing twelve month operating cash flow of Spandana Sphoorty Financial Ltd. is ₹ 931.22 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Spandana Sphoorty Financial Ltd. report consolidated or standalone financials?

Spandana Sphoorty Financial Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.