Spandana Sphoorty Financial (SPANDANA) — Financial Results

Investor Takeaways

PAT increased to INR12 crores from INR5 crores in the March quarter.

NIM improved to 12.5% from 9.9%.

Annualized credit cost decreased to 2.1% from 3.2%.

GNPA reduced to 3.6% from 3.8%.

Consolidated NPA fell to 0.68% from 0.73%.

Member count grew to 1.38 lakh from 1.1 lakh.

New member addition reached 61% from 46% in prior quarter.

CGS sanctions were INR545 crores.

Liquidity stood at INR1,316 crores.

Management targets AUM of INR10,000 crores by March 2028 and ROA improvement from current 1%.

Overall Tone: Neutral

Key Financial Highlights

Metric	Value	YoY Change
Revenue	Not available	N/A
Net Profit	INR12 crores	N/A
EBITDA	Not available	N/A
EPS	Not available	N/A
OPM	Not available	N/A

What Changed

Spandana Sphoorty Financial Limited reported Q1 FY27 PAT of INR12 crores, up from INR5 crores in the March quarter. The improvement was driven by 11% QoQ AUM growth to INR4,887 crores, improved credit metrics with annualized cost at 2.1%, and NIM expansion to 12.5%. The company added 61% new members, raised INR545 crores in CGS sanctions, and maintained 99.5% collection efficiency. Liquidity stood at INR1,316 crores with plans for INR6,000-6,500 crores disbursement this fiscal. Strategic updates include expansion in Tamil Nadu and Maharashtra, pilot testing of individual loans in Madhya Pradesh, and revival of 100 underperforming branches. A balance rights issue of INR200 crores is underway. Management targets AUM of INR10,000 crores by March 2028 and ROA improvement from current 1%.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
Spandana Sphoorty Financial Limited	-3.95	Not available	Not available	1,863.92
HDFC Bank Limited	15.5	14.3%	24.4%	1,181,607.38
ICICI Bank Limited	15.47	N/A	N/A	8,92,242
State Bank of India	10.44	N/A	N/A	8,89,093.09

Spandana's P/E ratio is negative, indicating losses in recent quarters, while peers show positive P/E ratios. Peer ROE and ROCE data are not available for direct comparison.

Risks & Concerns

No specific risks identified in this filing.

Quarterly Trend

Quarter	Revenue (₹ Cr)	Net Profit (₹ Cr)	OPM%
Q3FY25	554.76	-440.24	-66.84
Q2FY25	686.38	-216.33	-6.54
Q1FY25	709.89	55.71	43.91
Q4FY24	675.8	128.66	58.4

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About Spandana Sphoorty Financial Limited (SPANDANA)

Financial Services · Finance · Listed on NSE

Market Cap: ₹1,863.92 Cr P/E: -4.0

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.

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