Market Data
Market Cap₹2,024.97 Cr.
52W High₹319.7
Current Price₹228.45
52W Low₹182.5
Down from 52W High28.5 %
Face Value₹10
Performance
ROCE0.98 %
ROE-15.35 %
EPS (TTM)₹1.49
EPS Prev Qtr₹0.66
EPS Last Year₹-32.76
EBITDA Qtr₹-1.75 Cr.
Book Value₹240
Financial Health
Debt/Equity1.85
Debt/Profit-12.06
Total Assets₹6,246.37 Cr.
Promoter Holding48.16 %
Earning Power-7.76 %
Valuation
Industry P/E18.22
Price to Book0.95
Price to Sales2.01
Key Metrics
Capital Adequacy %
28.65%
Cost to Income %
79.5%
Debt/Equity
1.86
__derived
1
Employees
10,195
Face Value
₹10
Gross NPA %
3.6%
Loans Disbursed
₹1,371 Cr
Net Interest Income
₹135 Cr
Net NPA %
0.7%
NIM %
12.5%
Provision Coverage %
80.82%
ROE %
2.2%
About Spandana Sphoorty Financial Ltd
Financial Services · Finance
Spandana Sphoorty Financial Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹10. Market cap ₹2,024.97 Cr.
Price Chart
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 30.16 | ₹6,13,256.5 Cr | 0.61% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.52 | ₹2,80,096.25 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.28 | ₹2,30,350.39 Cr | 1.1% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 31.77 | ₹1,58,506.24 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 68.4 | ₹1,45,434.19 Cr | 0.27% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.17 | ₹1,39,794.37 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,274.15 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Bajaj Holdings & Investment Ltd | - | 13.63 | ₹1,20,749.01 Cr | 1.8% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.76 | ₹1,11,046.18 Cr | 1.08% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.18 | ₹1,08,952.86 Cr | 5.62% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,06,475.16 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,186.93 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.28 | ₹1,02,653.11 Cr | 1.34% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.91 | ₹98,766 Cr | 2.34% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.99 | ₹79,918.35 Cr | 6.11% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| L&T Finance Ltd | - | 22.07 | ₹70,266.92 Cr | 0.98% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Nippon Life India Asset Management Ltd | - | 42.74 | ₹70,191.49 Cr | 1.96% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| Bajaj Housing Finance Ltd | - | 25.54 | ₹68,733.43 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| SBI Cards & Payment Services Ltd | - | 24.73 | ₹56,249.93 Cr | 0.42% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.24 | ₹52,882.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
📊 Jun 2026: Revenue fell 5.5% YoY, Profit grew 103.3% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 300.46 | 229.55 | 234.27 | 259.69 | 283.91 |
| ↳ QoQ Growth | - | -23.6% | +2.1% | +10.9% | +9.3% |
| Expenses | 785.01 | 566.62 | 371 | 269.15 | 285.66 |
| Operating Profit | -484.55 | -337.07 | -136.73 | -9.46 | -1.75 |
| OPM % | -161.27% | -146.84% | -58.36% | -3.64% | -0.62% |
| Other Income | 3.66 | 9.94 | 11.28 | 17.48 | 19.31 |
| Interest | 153.75 | 119.85 | 108.74 | 126.03 | 132.08 |
| Depreciation | 4.24 | 3.98 | 3.94 | 4.04 | 2.56 |
| EBITDA | -480.31 | -333.09 | -132.79 | -5.42 | 0.81 |
| EBITDA Margin % | -159.86% | -145.11% | -56.68% | -2.09% | 0.29% |
| Profit Before Tax | -480.89 | -327.13 | -125.45 | 8.02 | 17.56 |
| Tax % | 25.09% | 23.83% | 24.27% | 34.29% | 32.35% |
| Net Profit | -360.23 | -249.16 | -95 | 5.27 | 11.88 |
| ↳ QoQ Growth | - | +30.8% | +61.9% | +105.5% | +125.4% |
| EPS | -49.95 | -32.76 | -11.88 | 0.66 | 1.49 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 1023.97 | 1007.42 |
| Expenses | 1991.78 | 1492.43 |
| Operating Profit | -967.81 | -485.01 |
| OPM % | -94.52% | -48.14% |
| Other Income | 42.36 | 58.01 |
| Interest | 508.37 | 486.7 |
| Depreciation | 16.2 | 14.52 |
| Profit Before Tax | -925.45 | -427 |
| Tax % | 24.46% | 23.42% |
| Net Profit | -699.12 | -327.01 |
| EPS | -93.93 | -42.49 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
-7.98%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
-15.36%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 71.31 | 79.97 |
| Reserves | 2561.75 | 2049.42 |
| Borrowings | 5655.63 | 3942.73 |
| Other Liabilities | 204.84 | 174.25 |
| Total Liabilities | 8493.53 | 6246.37 |
| Fixed Assets | 31.24 | 39 |
| CWIP | 0 | 0 |
| Investments | 109.75 | 113.51 |
| Other Assets | 8352.54 | 6093.86 |
| Total Assets | 8493.53 | 6246.37 |
Cash Flows
| Mar 2025 | |
|---|---|
| Cash from Operating Activity | 3668.52 |
| Cash from Investing Activity | -119.21 |
| Cash from Financing Activity | -3711.63 |
| Net Cash Flow | -162.32 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 821.15 |
| ROCE % | -42.01% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 48.16% | 48.16% | 48.16% | 48.16% |
| FIIs % | 20.25% | 20.35% | 19.89% | 19.29% |
| DIIs % | 6.12% | 5.79% | 5.79% | 5.69% |
| Public % | 21.87% | 21.69% | 21.85% | 22.59% |
| No. of Shareholders | 1,20,457 | 1,16,755 | 1,13,071 | 1,08,583 |
Major Shareholders (>1%)
- Kangchenjunga LimitedPromoter and Promoter Group41.12%
- Kedaara Capital Fund Iii LlpPromoter and Promoter Group7.04%
- Goldman Sachs Funds - Goldman Sachs India Equity PPublic Shareholding3.77%
- Sg India Alpha Holdings LlcPublic Shareholding3.57%
As of 2026-06-30View all shareholders →