Spandana Sphoorty Financial Ltd.

₹194.5

10.4 (5.6%)

SPANDANA Share Price

Finance

As on October 28, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryMicrofinance Institutions

Market Cap₹ 1,718.72 Cr

P/E Ratio-2.49

Dividend YieldN/A

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	185.94	Bullish
10-DMA	196.5	Bearish
20-DMA	206.01	Bearish
50-DMA	223.9	Bearish
100-DMA	246.06	Bearish
200-DMA	243.06	Bearish

Historical Performance

1 Year

-21.5%

3 Years

-76.8%

5 Years

-60.5%

10 Years

N/A

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Other Income	6,709	1,091	1,334	4,626	172
Operating Profit	-3,982	-4,199	16,206	4,883	6,476
Interest	5,111	9,362	9,297	4,596	5,415
Depreciation	162	227	204	109	92
Profit Before Tax	-9,255	-13,788	6,706	178	969
Consolidated Net Profit	-6,991	-10,351	5,007	123	695
Adjusted EPS	-87	-138	67	2	10

Compounded Sales Growth

10 Years:21.4

5 Years:-8.9

3 Years:-7.4

TTM:-16.1

Compounded Profit Growth

10 Years:-2.3

5 Years:10.9

3 Years:77.3

TTM:-8.2

Stock Price CAGR

10 Years:N/A

5 Years:-16.7

3 Years:-38.5

TTM:-22.5

Return on Equity

10 Years:17.7

5 Years:6.4

3 Years:62.4

last year:-78

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-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Share Capital	800	713	713	710	691
Total Reserves	19,932	24,845	35,111	29,833	29,234
Minority Interest	2	2	3	2	24
Total Non-Current Liabilities	6,421	10,792	30,502	58,830	35,919
Total Liabilities	55,438	80,185	1,32,498	91,857	68,921
Capital Work in Progress	---	---	---	---	---
Total Assets	55,438	80,185	1,32,498	91,857	68,921

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a low PE of -2.49, which may indicate undervaluation or subdued growth expectations.
Over the last three years, the stock delivered a weak 3-year price CAGR of -39.3%, 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 ₹-3340 million, indicating weak operating profitability.
In the previous financial year, the company generated revenue of ₹9066 million, suggesting a mid-sized operation.

Investment Calculator

Investment Amount:₹

Investment Amount: ₹ 1000000

Current Value: ₹ 775363.8

No. of Shares: 3986 (Approx)

Performance:-22.5%

-224636.2

NIFTY Performance: -12.9%

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