Spandana Sphoorty Financial Ltd (SPANDANA) is currently trading at 184.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Spandana Sphoorty Financial Limited is an NBFC-MFI primarily providing small-value unsecured microfinance loans to low-income customers across semi-urban and rural India, with an emerging secured micro-LAP and individual-loan portfolio through its subsidiary, Criss Financial. The company delivered a third consecutive improving quarter, with AUM rising 10% sequentially to INR5,364 crore, borrower additions reaching 1.5 lakh, yield improving to 24.9%, and PAT increasing to INR18 crore despite a one-time INR7.9 crore deferred-tax reversal. Asset quality has materially improved under strengthened underwriting and onboarding controls: X-bucket collection efficiency reached 99.6%, 31–90-day delinquency fell to 0.55%, GNPA declined to 2.5%, and NNPA stood at 0.5%, although an ARC transaction influenced the quarter’s reported GNPA reduction. Funding conditions have improved substantially, with marginal borrowing cost falling to 10.6% including the CGS scheme, INR1,622 crore raised during the quarter, INR1,379 crore of liquidity, and bank borrowings representing approximately 57% of the borrowing mix. Management is targeting INR10,000 crore of AUM by March 2028 and a 3.5–4% ROA with approximately 14–15% ROE in business-as-usual conditions, while maintaining calibrated growth and closely monitoring weather-related stress, particularly across Maharashtra.

Over the past 52 weeks, Spandana Sphoorty Financial Ltd has traded between a low of ₹175.00 and a high of ₹319.70. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Spandana Sphoorty Financial Ltd has a market capitalization of approximately 1,925.13. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Spandana Sphoorty Financial Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of -32.30 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 1,925.13 Cr, Spandana Sphoorty Financial Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Spandana Sphoorty Financial Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Spandana Sphoorty Financial Ltd is -32.30. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

Spandana Sphoorty Financial reported unauthorised transfers of approximately ₹7.80 crore. The transactions were made from one of its bank accounts on November 1, 2026.

Spandana said GNPA for loans disbursed from April 1, 2025 was 0.5%. Management used April 1, 2025 as the starting date for its new-book definition. The figure is lower than Spandana’s 2.6% overall GNPA ratio.

Spandana aims to increase its micro-LAP book from about Rs 305 crore to Rs 1,000 crore over the next two to three years. This requires an increase of approximately Rs 695 crore from the book size cited by management.

Spandana is aiming for at least Rs 10,000 crore in AUM by March 2028. Management called it a near-term objective and said the implied growth rate may appear high because it starts from a lower base.