Spandana Sphoorty Financial Ltd.

₹301.8

18.1 (6.4%)

SPANDANA Share Price

Finance

As on July 3, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryMicrofinance Institutions

Market Cap₹ 2,410 Cr

P/E Ratio-2.37

Dividend YieldN/A

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	279.09	Bullish
10-DMA	269.95	Bullish
20-DMA	255.45	Bullish
50-DMA	253.75	Bullish
100-DMA	242.21	Bullish
200-DMA	249.23	Bullish

Historical Performance

1 Year

14.5%

3 Years

-54.5%

5 Years

-52.6%

10 Years

N/A

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Other Income	1,091	1,334	4,626	172	257
Operating Profit	-4,199	16,206	4,883	6,476	6,336
Interest	9,362	9,297	4,596	5,415	4,255
Depreciation	227	204	109	92	76
Profit Before Tax	-13,788	6,706	178	969	2,004
Consolidated Net Profit	-10,351	5,007	123	695	1,450
Adjusted EPS	-138	67	2	10	21

Compounded Sales Growth

10 Years:48.5

5 Years:9.1

3 Years:9.6

TTM:-0.9

Compounded Profit Growth

10 Years:26

5 Years:-0.3

3 Years:48

TTM:-6.7

Stock Price CAGR

10 Years:N/A

5 Years:-14.8

3 Years:-23.2

TTM:10.3

Return on Equity

10 Years:113.5

5 Years:19.1

3 Years:1.7

last year:-127.6

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	713	713	710	691	643
Total Reserves	24,845	35,111	29,833	29,234	26,696
Minority Interest	2	3	2	24	20
Total Non-Current Liabilities	10,792	30,502	58,830	35,919	52,702
Total Liabilities	80,185	1,32,498	91,857	68,921	84,722
Capital Work in Progress	---	---	---	---	---
Total Assets	80,185	1,32,498	91,857	68,921	84,722

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a low PE of -2.37, which may indicate undervaluation or subdued growth expectations.
Over the last three years, the stock delivered a weak 3-year price CAGR of -23.2%, indicating poor shareholder returns.
The stock carries a high beta of 1.5, implying higher volatility and elevated risk.
In the last financial year, the company reported a negative or negligible EBITDA of ₹-3758 million, indicating weak operating profitability.
In the previous financial year, the company generated revenue of ₹21807 million, indicating a large and established business.

Investment Calculator

Investment Amount:₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1129575.6

No. of Shares: 3743 (Approx)

Performance:13%

P/L: ₹129575.6

NIFTY Performance: -4.7%

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