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Market Cap
₹ 2,203 Cr
P/E
—
Spandana Sphoorty Financial Limited is a Non-Banking Financial Company-Micro Finance Institution (NBFC-MFI) providing small value unsecured loans to low-income customers in semi-urban and rural India.
The company has witnessed an improvement in collection efficiency, reporting a 98.7% rate as of September, reflecting strong recovery practices.
In the first half of FY '26, Spandana disbursed significantly more at Rs. 934 crores in Q2 compared to Rs. 280 crores in Q1, showcasing substantial growth in disbursement rates.
Spandana's liquidity position is strong, ending Q2 with Rs. 1,179 crores representing 21% of total assets, supporting prudent financial management.
A significant transition is underway with strategic consolidation of branches, resulting in optimized operations and cost efficiencies, aligning with future growth ambitions.
Finance
Finance - Investment / Others
2,203 Cr
High Risk
—
29.9
—
0.9
493.57
204.18
Sales CAGR
1Y
-1.89%
3Y
16.58%
5Y
9.12%
10Y
22.78%
Profit CAGR
1Y
-306.73%
3Y
—
5Y
—
10Y
—
ROE
TTM
-66.63%
3Y
-5.17%
5Y
-2.01%
10Y
3.84%
ROCE
TTM
-23.16%
3Y
5.44%
5Y
6.31%
10Y
9.39%
Bearish
2
Neutral
7
Bullish
5
Bearish
13
Neutral
7
Bullish
26
Bearish
11
Neutral
0
Bullish
21
No. of Analysts
1Y Price Target
Q3 EPS Estimate
Q3 Revenue Estimate
Price, EPS and Revenue Projections
Strong Buy
0
Buy
1
Hold
4
Sell
5
Strong Sell
3
updated on
Dec 03, 2025
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| Symbol | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
275.00 | 2,203 Cr | — | 0.88 | 0.00 | -66.63 | -23.16 | -26.13 | |
4922.00 | 2,155 Cr | 48.25 | 0.24 | 0.00 | 0.50 | 0.71 | 0.46 | |
39.13 | 2,030 Cr | 489.13 | 2.34 | 0.00 | 0.51 | 0.12 | 0.12 | |
59.85 | 1,666 Cr | 102.19 | 14.92 | 0.00 | 14.71 | 15.58 | 7.14 | |
209.65 | 1,485 Cr | 13.21 | 4.79 | 0.48 | 36.27 | 48.27 | 23.27 | |
79.67 | 1,441 Cr | 8.07 | 0.88 | 1.25 | 10.94 | 5.81 | 0.66 | |
29.01 | 1,322 Cr | — | 2.92 | 0.00 | -28.18 | 8.98 | -0.64 |
Performance
UNDER PERFORMER
Valuation
REASONABLE
Growth
STABLE
Profitability
LOW MARGIN
Technicals
Bullish
Risk
HIGH RISK
Board Meeting Outcome
3 days ago
Board Meeting Scheduled for Non-Convertible Debenture Issue
Spandana Sphoorty Financial Limited has announced a Board of Directors meeting on December 17, 2025, to discuss the issuance of Non-Convertible Debentures.
Corporate Action
5 days ago
Approval for Issuance of NCDs
The Management Committee of Spandana Sphoorty Financial Limited approved the issuance of up to 15,000 rated senior secured redeemable non-convertible debentures on December 11, 2025.
