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Spandana Sphoorty Financial LtdMicrofinance InstitutionsINE572J01011Consolidated₹228.95+1.70 (+0.75%)Jun-26

Valuation

Market Cap₹2.03K Cr

TTM PE-5.40x

Forward PE-17.67x

PEG0.10

Book Value₹240.23

P/B0.95x

TTM EPS₹-42.49

Fwd EPS₹-12.97

TTM Revenue₹1.01K Cr

TTM PAT₹-327.01 Cr

Last Qtr PAT₹11.88 Cr

Profitability

ROE-15.36%

ROCE0.98%

TTM NPM-32.46%

Curr OPM3.92%

Last OPM1.90%

Curr NPM—

Last NPM—

Curr EPS₹1.49

Last EPS₹0.66

Balance sheet

Equity₹79.97 Cr

Reserve₹2.05K Cr

Total Debt₹3,942.73 Cr

D/E1.85x

Interest %1111.78%

Curr Interest₹132.08 Cr

Price / range

Close₹229.25

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D+0.98%

1W-2.62%

1M-4.76%

3M-10.83%

6M+7.61%

1Y-14.22%

2Y-62.05%

3Y-70.29%

5Y—

Diwali-14.44%

Sector peers — Microfinance Institutions

Company	Close	Mkt Cap	TTM P/E	ROE
CREDITACC	1387.60	₹22.24K Cr	18.35	15.44%
MUTHOOTMF	189.28	₹3.23K Cr	12.93	8.60%
FUSION	185.12	₹3.00K Cr	18.01	6.86%
SATIN	219.32	₹2.42K Cr	5.89	14.31%
SPANDANA	229.25	₹2.03K Cr	-5.40	-15.36%

Financial Results

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

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	261.55-0.1%	238.44	206.99	199.32	261.87	906.59
Other Income	18.23	15.19	9.48	8.62	2.31	35.61
Total Income	279.78+5.9%	253.63	216.47	207.94	264.18	942.20
Interest	128.59	121.88	103.76	111.37	139.38	476.39
Expenditure	-256.72+63.5%	-245.30	-325.35	-493.59	-703.30	-1,767.55
PBDT	0	0	0	0	0	0
Depreciation	-2.01	-3.15	-3.04	-3.10	-3.32	-12.61
PBT	23.06+105.3%	8.33	-108.88	-285.65	-439.12	-825.35
Tax	-6.97	-2.84	26.34	67.58	110.21	201.30
Equity	79.97	79.97	79.97	79.97	10	79.97
OPM	8.24	3.28	-50.30	-137.37	-166.22	-87.60
Net Profit	16.09+104.9%	5.49	-82.54	-218.07	-328.91	-624.05
NPM	5.75	2.16	-38.13	-104.87	-124.50	-66.23
EPS	2.01+104.4%	0.69	-10.32	-28.68	-46.13	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	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	283.91-5.5%	259.69	234.27	229.55	300.46	1,023.96
Other Income	19.31	17.48	11.28	9.94	3.66	42.37
Total Income	303.22-0.3%	277.17	245.55	239.49	304.12	1,066.33
Interest	132.08	126.03	108.74	119.85	153.75	508.38
Expenditure	-285.66+63.6%	-269.15	-371	-566.62	-785.01	-1,991.81
PBDT	0	0	0	0	0	0
Depreciation	-2.56	-4.04	-3.94	-3.98	-4.24	-16.20
PBT	17.56+103.7%	8.02	-125.45	-327.13	-480.89	-925.48
Tax	-5.68	-2.75	30.45	77.97	120.66	226.33
Equity	79.97	79.97	79.97	79.97	10	79.97
OPM	5.79	2.89	-51.09	-136.59	-158.13	-86.79
Net Profit	11.88+103.3%	5.27	-95	-249.16	-360.23	-699.15
NPM	3.92	1.90	-38.69	-104.04	-118.45	-65.57
EPS	1.49+102.9%	0.66	-11.88	-32.76	-50.52	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