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Spandana Sphoorty Financial LtdMicrofinance InstitutionsINE572J01011Consolidated₹182.70-4.70 (-2.51%)

Valuation

Market Cap₹1.62K Cr

TTM PE-24.43x

Forward PE31.04x

PEG0.30

Book Value₹264.37

P/B0.69x

TTM EPS₹-7.47

Fwd EPS₹5.88

TTM Revenue₹1.10K Cr

TTM PAT₹-59.61 Cr

Last Qtr PAT₹18.24 Cr

Profitability

ROE-2.54%

ROCE6.29%

TTM NPM-5.41%

Curr OPM5.36%

Last OPM3.92%

Curr NPM—

Last NPM—

Curr EPS₹2.26

Last EPS₹1.49

Balance sheet

Equity₹88.42 Cr

Reserve₹2.25K Cr

Total Debt₹4,721.88 Cr

D/E2.02x

Interest %770.78%

Curr Interest₹140.59 Cr

Price / range

Close₹182.49

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D-2.46%

1W-5.78%

1M-15.61%

3M-28.84%

6M-23.57%

1Y-24.92%

2Y-54.66%

3Y-80.13%

5Y—

Diwali-31.89%

Sector peers — Microfinance Institutions

Company	Close	Mkt Cap	TTM P/E	ROE
CREDITACC	1073.00	₹17.18K Cr	10.84	17.79%
SATIN	256.69	₹2.84K Cr	5.30	16.78%
MUTHOOTMF	153.07	₹2.61K Cr	10.46	8.60%
FUSION	153.54	₹2.49K Cr	8.86	10.60%
SPANDANA	182.49	₹1.62K Cr	-24.43	-2.54%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	303.11+52.1%	261.55	238.44	206.99	199.32	906.59
Other Income	15.04	18.23	15.19	9.48	8.62	35.61
Total Income	318.15+53.0%	279.78	253.63	216.47	207.94	942.20
Interest	135.02	128.59	121.88	103.76	111.37	476.39
Expenditure	-270+45.3%	-256.72	-245.30	-325.35	-493.59	-1,767.55
PBDT	0	0	0	0	0	0
Depreciation	-1.87	-2.01	-3.15	-3.04	-3.10	-12.61
PBT	48.15+116.9%	23.06	8.33	-108.88	-285.65	-825.35
Tax	-13.41	-6.97	-2.84	26.34	67.58	201.30
Equity	88.42	79.97	79.97	79.97	79.97	79.97
OPM	15.13	8.24	3.28	-50.30	-137.37	-87.60
Net Profit	34.74+115.9%	16.09	5.49	-82.54	-218.07	-624.05
NPM	10.92	5.75	2.16	-38.13	-104.87	-66.23
EPS	4.31+115.0%	2.01	0.69	-10.32	-28.68	0

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	906.59-58.4%	2,180.72
Other Income	35.61	64.47
Total Income	942.20-58.0%	2,245.19
Expenditure	-1,767.55+49.8%	-3,519.04
Interest	-476.39	-875.56
PBDT	0	0
Depreciation	-12.61	-18.92
PBT	-825.35+35.2%	-1,273.85
Tax	201.30	317.11
Equity	79.97	71.30
OPM (%)	-87.60	-56.74
Net Profit	-624.05+34.8%	-956.74
NPM (%)	-66.23	-42.61
EPS (Rs)	0	0
CEPS	0	0

Metric	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	324.90+41.5%	283.91	259.69	234.27	229.55	1,023.96
Other Income	15.52	19.31	17.48	11.28	9.94	42.37
Total Income	340.42+42.1%	303.22	277.17	245.55	239.49	1,066.33
Interest	140.59	132.08	126.03	108.74	119.85	508.38
Expenditure	-303.47+46.4%	-285.66	-269.15	-371	-566.62	-1,991.81
PBDT	0	0	0	0	0	0
Depreciation	-2.38	-2.56	-4.04	-3.94	-3.98	-16.20
PBT	36.95+111.3%	17.56	8.02	-125.45	-327.13	-925.48
Tax	-18.71	-5.68	-2.75	30.45	77.97	226.33
Equity	88.42	79.97	79.97	79.97	79.97	79.97
OPM	10.85	5.79	2.89	-51.09	-136.59	-86.79
Net Profit	18.24+107.3%	11.88	5.27	-95	-249.16	-699.15
NPM	5.36	3.92	1.90	-38.69	-104.04	-65.57
EPS	2.26+106.9%	1.49	0.66	-11.88	-32.76	0

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	1,023.96-56.5%	2,355.16
Other Income	42.37	68.93
Total Income	1,066.33-56.0%	2,424.09
Expenditure	-1,991.81+47.6%	-3,802.89
Interest	-508.38	-932.26
PBDT	0	0
Depreciation	-16.20	-22.70
PBT	-925.48+32.9%	-1,378.80
Tax	226.33	343.64
Equity	79.97	71.31
OPM (%)	-86.79	-56.88
Net Profit	-699.15+32.5%	-1,035.16
NPM (%)	-65.57	-42.70
EPS (Rs)	0	0
CEPS	0	0

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

No dividend history.

Bonus

No bonus history.

Split

No split history.

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split