Spandana Sphoorty Financial
Spandana Sphoorty Financial (SPANDANA) share price was ₹194.50 at the 28 Oct 2026 close; sector Financial Services. The share price fell 21.5% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue fell 5.5% year on year to ₹283.9 Cr and net profit was ₹12 Cr, against −₹360 Cr a year earlier (compared with Jun 2025). Promoters held 48.16% of Spandana Sphoorty Financial in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 36/100 (Poor) as of 28 Oct 2026.
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures as of 28 Oct 2026, 15:58 IST · EPS basis: Consolidated · TTM
Peer Comparison
Financial Services › Microfinance › Microfinance Institutions
| ₹1,022.20 | 10.33 | 16,405 Cr | 1.84 | 0.99% | 9.92% | 9.35% | 6,779 Cr | 1,587 Cr | |
| ₹228.09 | 6.15 | 2,520 Cr | 0.88 | 0.00% | 11.59% | 12.85% | 3,218 Cr | 410 Cr | |
| ₹140.95 | 9.79 | 2,403 Cr | 0.84 | 0.00% | 5.97% | 8.68% | 2,492 Cr | 245 Cr | |
| ₹135.19 | 12.95 | 2,189 Cr | 0.89 | 0.00% | 0.56% | 5.93% | 1,745 Cr | 168 Cr | |
| Spandana Sphoorty Financial (this company) | ₹194.50 | — | — | 0.95 | 0.00% | -32.83% | -6.87% | 1,066 Cr | -327 Cr |
| Median 5 companies | ₹194.50 | 10.06 | 2,461 Cr | 0.89 | 0.00% | 5.97% | 8.68% | 2,492 Cr | 245 Cr |
Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.
Tapetide Score
Data-driven rating, 0–100. How it works →
v2.0.0
Category scores
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
2- Company has reduced debt.
- Stock is trading at 0.82 times its book value
Weaknesses
5- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -7.14% over past five years.
- Company has a low return on equity of -13.9% over last 3 years.
- Earnings include an other income of Rs.58.0 Cr.
- Promoter holding has decreased over last 3 years: -12.2%
Technical Indicators
Oscillators
Bearish
Overall
Bearish
Moving Averages
Bearish
2 of 3 analysts rate Buy, 1 Hold, 0 Sell.
Updated 28 Oct 2026
Growth Rate
change over 1 year
change over 1 year
change over 1 year
change over 1 year
Analyst Forecasts
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 512 | 610 | 626 | 676 | 710 | 682 | 552 | 415 | 300 | 230 | 234 | 260 | 284 |
| Expenses | 164 | 240 | 231 | 281 | 398 | 727 | 922 | 804 | 627 | 443 | 258 | 139 | 151 |
| Financing Profit | 148 | 142 | 145 | 145 | 52 | -303 | -600 | -575 | -480 | -333 | -133 | -5 | 1 |
| Fin. Margin % | 29% | 23% | 23% | 22% | 7% | -44% | -109% | -139% | -160% | -145% | -57% | -2% | 0% |
| Other Income | 16 | 30 | 31 | 34 | 27 | 20 | 18 | 4 | 4 | 10 | 11 | 17 | 19 |
| Interest | 200 | 228 | 250 | 249 | 259 | 258 | 229 | 185 | 154 | 120 | 109 | 126 | 132 |
| Depreciation | 3 | 5 | 6 | 7 | 4 | 5 | 6 | 7 | 4 | 4 | 4 | 4 | 3 |
| PBT | 161 | 168 | 170 | 172 | 75 | -289 | -588 | -578 | -481 | -327 | -125 | 8 | 18 |
| Tax % | 26% | 25% | 25% | 25% | 26% | -25% | -25% | -25% | -25% | -24% | -24% | 34% | 32% |
| Net Profit | 119 | 125 | 127 | 129 | 56 | -216 | -440 | -434 | -360 | -249 | -95 | 5 | 12 |
| EPS (₹) | 13.53 | 14.16 | 14.4 | 14.5 | 6.28 | -24.39 | -49.63 | -48.96 | -40.61 | -28.11 | -10.71 | 0.59 | 1.34 |
| Gross NPA % | 1.63% | 1.4% | 1.61% | 1.5% | 2.6% | 4.86% | 4.85% | 5.63% | 5.49% | 5.6% | 4.2% | 3.8% | 3.6% |
| Net NPA % | 0.49% | 0.42% | 0.48% | 0.3% | 0.53% | 0.99% | 0.98% | 1.19% | 1.15% | 1.2% | 0.9% | 0.7% | 0.7% |
Profit & Loss
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 587 | 1,043 | 1,435 | 1,483 | 1,463 | 1,401 | 2,401 | 2,355 | 1,024 | 1,007 |
| Expenses | 67 | 208 | 482 | 872 | 832 | 989 | 890 | 2,844 | 1,465 | 991 |
| Financing Profit | 288 | 475 | 593 | 185 | 89 | -48 | 581 | -1,425 | -952 | -470 |
| Fin. Margin % | 49% | 46% | 41% | 12% | 6% | -3% | 24% | -61% | -93% | -47% |
| Other Income | 0 | 5 | 34 | 23 | 17 | 76 | 110 | 69 | 42 | 58 |
| Interest | 232 | 360 | 360 | 426 | 542 | 460 | 930 | 936 | 511 | 487 |
| Depreciation | 6 | 7 | 9 | 8 | 9 | 11 | 20 | 23 | 16 | 15 |
| PBT | 283 | 473 | 618 | 200 | 97 | 18 | 671 | -1,379 | -925 | -427 |
| Tax % | 34% | 34% | 43% | 27% | 28% | 30% | 25% | -25% | -24% | — |
| Net Profit | 188 | 312 | 352 | 145 | 70 | 12 | 501 | -1,035 | -699 | -327 |
| EPS (₹) | 50.8 | 42.02 | 43.93 | 18.13 | 8.09 | 1.39 | 56.44 | -117 | -78.87 | -36.89 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 30 | 60 | 64 | 64 | 69 | 71 | 71 | 71 | 80 |
| Reserves | 216 | 1,830 | 2,562 | 2,685 | 3,018 | 3,028 | 3,573 | 2,562 | 2,049 |
| Borrowing | 3,477 | 2,968 | 3,025 | 5,373 | 3,772 | 6,074 | 9,425 | 5,656 | 3,943 |
| Other Liabilities | 42 | 75 | 326 | 455 | 217 | 209 | 313 | 205 | 174 |
| Total Liabilities | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 | 8,494 | 6,246 |
| Fixed Assets | 8 | 27 | 34 | 38 | 31 | 47 | 52 | 52 | 39 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 487 | 2 | 2 | 189 | 112 | 110 | 114 |
| Other Assets | 3,756 | 4,905 | 5,456 | 8,537 | 7,043 | 9,146 | 13,218 | 8,332 | 6,094 |
| Total Assets | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 | 8,494 | 6,246 |
Cash Flow
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Operating | -1,855 | -573 | -35 | -1,754 | 863 | -2,171 | -2,679 | 3,681 | 882 |
| Investing | -4 | -33 | -487 | 482 | 36 | -175 | -172 | -132 | 165 |
| Financing | 1,673 | 650 | 434 | 2,348 | -1,307 | 2,433 | 3,435 | -3,712 | -1,514 |
| Net Cash Flow | -186 | 44 | -89 | 1,076 | -408 | 86 | 585 | -162 | -466 |
| Free Cash Flow | -1,860 | -581 | -40 | -1,766 | 851 | -2,184 | -2,704 | 3,659 | 880 |
Ratios
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 77% | 29% | 16% | 5% | 2% | 0% | 15% | -33% | -29% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Spandana Sphoorty Financial insights
73 extracted metrics + investor summaries across FY17–FY27.
Documents
Frequently Asked Questions about Spandana Sphoorty Financial
What does Spandana Sphoorty Financial Ltd do?
Where is Spandana Sphoorty Financial Ltd (SPANDANA) listed?
Which sector does Spandana Sphoorty Financial Ltd belong to?
What is the 52-week high and low of Spandana Sphoorty Financial Ltd?
What is the Return on Equity (ROE) of Spandana Sphoorty Financial Ltd?
Company Information
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.
For AI agents and developers
Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/SPANDANA.md for Spandana Sphoorty Financial Ltd: company profile, latest price, key fundamentals, the Tapetide Score, growth rates, quarterly and annual financial statements, shareholding pattern, technical indicators, analyst ratings and exchange filings.
Append .md to any Tapetide URL for the
same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For
live, structured queries instead of documents, use our Indian stock market MCP server.