Spandana Sphoorty Financial
Spandana Sphoorty Financial Share Price Chart
Spandana Sphoorty Financial last traded at ₹210.38 (2026-10-13). Over the past month the stock moved -10.0%, three months the stock moved -19.5%, year the stock moved -20.6%. Its closing range over 52 weeks is ₹194.30 – ₹286.26, with the latest close 26.5% below the high.
Closing prices up to 2026-10-13.
About Spandana Sphoorty Financial
Spandana Sphoorty Financial is primarily engaged in the business of micro finance providing small value unsecured loans to low-income customers in semi-urban and rural areas.
Product Offerings The company is one of the largest microfinance institutions (MFIs) in India focusing on rural markets. Its offerings include: [1] [2]
Fundamentals
Quarterly Results
In the latest quarter (Jun 2026), Spandana Sphoorty Financial reported sales of ₹262.00 crore (+0.0%) and net profit of ₹16.00 crore, compared with the same quarter last year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Jun 2026 | 262.00 | 7.00 | 3.00 | 16.00 | 1.81 |
| Mar 2026 | 238.00 | -4.00 | -2.00 | 5.00 | 0.62 |
| Dec 2025 | 207.00 | -115.00 | -56.00 | -83.00 | -9.31 |
| Sep 2025 | 199.00 | -291.00 | -146.00 | -218.00 | -24.59 |
| Jun 2025 | 262.00 | -438.00 | -167.00 | -329.00 | -37.08 |
| Mar 2025 | 374.00 | -542.00 | -145.00 | -410.00 | -46.24 |
| Dec 2024 | 509.00 | -538.00 | -106.00 | -394.00 | -44.41 |
| Sep 2024 | 636.00 | -287.00 | -45.00 | -204.00 | -22.99 |
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales growth | +8.9% | -13.9% | -40.7% | -60.5% | -68.7% | -59.3% | -36.4% | +0.0% |
| Operating profit growth | -319.1% | -504.5% | -492.8% | -1031.9% | – | – | – | – |
| Net profit growth | -275.9% | -433.9% | -436.1% | -745.1% | – | – | – | – |
| EPS growth | -274.7% | -432.4% | -435.6% | -741.5% | – | – | – | – |
| OPM % | -45.0% | -106.0% | -145.0% | -167.0% | -146.0% | -56.0% | -2.0% | 3.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
Annual Financials
In the latest year (Mar 2026), Spandana Sphoorty Financial reported sales of ₹907.00 crore (-58.4%) and net profit of ₹-624.00 crore, compared with the previous year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Mar 2026 | 907.00 | -848.00 | -94.00 | -624.00 | -70.36 |
| Mar 2025 | 2,181 | -1,319 | -60.00 | -957.00 | -107.86 |
| Mar 2024 | 2,300 | 539.00 | 23.00 | 468.00 | 52.75 |
| Mar 2023 | 1,329 | -37.00 | -3.00 | 12.00 | 1.40 |
| Mar 2022 | 1,376 | 58.00 | 4.00 | 47.00 | 5.43 |
| Mar 2021 | 1,444 | 164.00 | 11.00 | 129.00 | 16.12 |
| Mar 2020 | 1,409 | 575.00 | 41.00 | 337.00 | 42.09 |
| Mar 2019 | 1,036 | 471.00 | 45.00 | 309.00 | 41.61 |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales growth | +76.5% | +36.0% | +2.5% | -4.7% | -3.4% | +73.1% | -5.2% | -58.4% |
| Operating profit growth | +63.5% | +22.1% | -71.5% | -64.6% | -163.8% | – | -344.7% | – |
| Net profit growth | +64.4% | +9.1% | -61.7% | -63.6% | -74.5% | +3800.0% | -304.5% | – |
| EPS growth | -18.1% | +1.2% | -61.7% | -66.3% | -74.2% | +3667.9% | -304.5% | – |
| OPM % | 45.0% | 41.0% | 11.0% | 4.0% | -3.0% | 23.0% | -60.0% | -94.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
Shareholding
AI Analysis
Spandana Sphoorty is trading at ₹238.95, up 5.3% today and 19.98% over 1 month, but this masks severe underlying stress: the NBFC has posted 4 consecutive quarterly net losses totalling ₹1,040 Cr in TTM, with the latest quarter (Dec 2025) showing a modest recovery to ₹-83 Cr loss from ₹-218 Cr, indicating ongoing provisioning pressure rather than operational turnaround. ROE is deeply negative at -45.6% (TTM), P/B is 0.82 (below 1.0 but alongside weak profitability = value trap risk, not genuine undervaluation), and while D/E has improved from 2.53 to 1.35 (indicating deleveraging), NIM at 7.49% remains elevated suggesting asset quality stress is driving large provisions. The QoQ net profit recovery from -₹218 Cr to -₹83 Cr is a minor positive, but 4 consecutive losses signal structural asset quality deterioration, not a cyclical trough.
- D/E ratio improved significantly from 2.53 (Mar 2024) to 1.35 (Sep 2025), indicating aggressive deleveraging and de-risking of balance sheet
- QoQ net profit trend shows modest recovery from -₹218 Cr (Sep 2025) to -₹83 Cr (Dec 2025), suggesting provisioning cycle may be bottoming
- FII holding stable and slightly increasing (20.26% to 20.35% QoQ), signalling some institutional confidence despite operational distress
- Four consecutive quarterly losses (Mar–Dec 2025) totalling ₹1,040 Cr indicate sustained asset quality deterioration; elevated NIM at 7.49% reflects credit stress and heavy provisioning pressure, with no clear path to positive profitability visible
- TTM ROE deeply negative at -45.6% and EPS at ₹-130.01; P/B of 0.82 combined with negative profitability constitutes value trap risk — low book value multiple provides no margin of safety when earnings remain distressed
AI-generated analysis for informational purposes only — not SEBI-registered investment advice.
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Spandana Sphoor Standalone June 2026 Net Sales at Rs 261.55 crore, down 0.12% Y-o-Y - Moneycontrol.com
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Spandana Sphoorty Financial Q4 FY26: AUM Grows 12% QoQ to INR4,420 Crores, Returns to Profitability After Six Quarters - scanx.trade
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Spandana Sphoorty Financial Publishes Q4FY26 Results, Uploads Earnings Call Recording - scanx.trade
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Spandana Sphoorty Financial Publishes Q4FY26 Results, Uploads Earnings Call Recording - scanx.trade
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Spandana Sphoorty Financial Publishes Q4FY26 Results, Uploads Earnings Call Recording - scanx.trade
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Spandana Sphoorty Financial Publishes Q4FY26 Results, Uploads Earnings Call Recording - scanx.trade
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Spandana Sphoorty Financial reports consolidated net profit of Rs 5.27 crore in the March 2026 quarter - Business Standard
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Spandana Sphoorty Financial Files Q4FY26 Monitoring Agency Report for ₹400 Crore Rights Issue - scanx.trade
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Spandana Sphoorty reports Profit after tax of Rs 54.90 Mln, in the March 2026 quarter
Frequently Asked Questions
What is Spandana Sphoorty Financial's current stock price?
Spandana Sphoorty Financial shares were last quoted at ₹210.38 (-0.3% on the day). Use the Refresh price button on this page for the latest available price. Prices are for information only.
What is the P/E ratio of Spandana Sphoorty Financial?
Spandana Sphoorty Financial has a price-to-earnings (P/E) ratio of -6.46 and a price-to-book (P/B) ratio of 0.85. The industry P/E is 23.42.
What is the 52-week high and low of Spandana Sphoorty Financial?
The 52-week high of Spandana Sphoorty Financial is ₹319.70 and the 52-week low is ₹182.50.
What is the market cap of Spandana Sphoorty Financial?
The market capitalisation of Spandana Sphoorty Financial is about ₹1,803.38 crore.
How did Spandana Sphoorty Financial perform in its latest quarterly results?
In the latest quarter (Jun 2026), Spandana Sphoorty Financial reported sales of ₹262.00 crore (+0.0%) and net profit of ₹16.00 crore, compared with the same quarter last year.
Is Spandana Sphoorty Financial a good stock to buy?
This page is for information and is not investment advice. As per the data shown here, Spandana Sphoorty Financial has a 3-year ROE of -13.00%. Review the fundamentals, quarterly results and AI analysis on StockSpin, and consult a SEBI-registered adviser before investing.
What is the promoter holding in Spandana Sphoorty Financial?
Promoters hold about 48.16% of Spandana Sphoorty Financial.
Which sector does Spandana Sphoorty Financial belong to?
Spandana Sphoorty Financial belongs to the Finance - NBFC sector.