Spandana Sphoorty Financial Limited
Spandana Sphoorty Financial Limited (SPANDANA) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Finance›Microfinance Institutions
spandanasphoorty.com(opens the company website in a new tab)Key metrics
Price as of 2026-09-02
Stock price
₹235.98
Market cap
1,882 Cr
Stock P/E
158.4
P/B
0.88
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | 386 Cr | 434 Cr | 349 Cr | 274 Cr | 205 Cr | 130 Cr | 105 Cr | 116 Cr | 106 Cr | 148 Cr |
| Other income | 30 Cr | 31 Cr | 34 Cr | 27 Cr | 20 Cr | 18 Cr | 4 Cr | 4 Cr | 10 Cr | 11 Cr | 17 Cr | 19 Cr |
| Net operating income | 30 Cr | 31 Cr | 420 Cr | 461 Cr | 369 Cr | 292 Cr | 209 Cr | 134 Cr | 115 Cr | 128 Cr | 123 Cr | 167 Cr |
| Employee cost | 112 Cr | 121 Cr | 141 Cr | 135 Cr | 153 Cr | 184 Cr | 161 Cr | 146 Cr | 130 Cr | 144 Cr | 113 Cr | 106 Cr |
| Other expenses | 38 Cr | 40 Cr | 46 Cr | 52 Cr | 62 Cr | 76 Cr | 41 Cr | 59 Cr | 54 Cr | 56 Cr | 44 Cr | 46 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 5 Cr | 6 Cr | 7 Cr | 4 Cr | 5 Cr | 6 Cr | 7 Cr | 4 Cr | 4 Cr | 4 Cr | 4 Cr | 3 Cr |
| Profit before tax | 168 Cr | 170 Cr | 172 Cr | 75 Cr | -289 Cr | -588 Cr | -578 Cr | -481 Cr | -327 Cr | -125 Cr | 8 Cr | 18 Cr |
| Tax % | 25.3% | 25.2% | 25.3% | 25.8% | 25.0% | 25.1% | 24.8% | 25.1% | 23.8% | 24.3% | 34.3% | 32.3% |
| Net profit | 125 Cr | 127 Cr | 129 Cr | 56 Cr | -216 Cr | -440 Cr | -434 Cr | -360 Cr | -249 Cr | -95 Cr | 5 Cr | 12 Cr |
| EPS (₹) | ₹17.63 | ₹17.91 | ₹18.06 | ₹7.81 | ₹-30.34 | ₹-61.73 | ₹-60.91 | ₹-50.52 | ₹-32.76 | ₹-11.88 | ₹0.66 | ₹1.49 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | — | — | 1,311 Cr | 1,262 Cr | 457 Cr | Sign in for TTM |
| Other income | 34 Cr | 23 Cr | 17 Cr | 76 Cr | 110 Cr | 69 Cr | 42 Cr | Sign in for TTM |
| Net operating income | 34 Cr | 23 Cr | 17 Cr | 76 Cr | 1,422 Cr | 1,331 Cr | 499 Cr | Sign in for TTM |
| Employee cost | 171 Cr | 172 Cr | 228 Cr | 306 Cr | 473 Cr | 632 Cr | 533 Cr | Sign in for TTM |
| Other expenses | 42 Cr | 55 Cr | 125 Cr | 140 Cr | 160 Cr | 230 Cr | 214 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 9 Cr | 8 Cr | 9 Cr | 11 Cr | 20 Cr | 23 Cr | 16 Cr | Sign in for TTM |
| Profit before tax | 618 Cr | 200 Cr | 97 Cr | 18 Cr | 671 Cr | -1,379 Cr | -925 Cr | Sign in for TTM |
| Tax % | 43.1% | 27.4% | 27.9% | 30.5% | 25.3% | 24.9% | 24.5% | Sign in for TTM |
| Net profit | 351 Cr | 145 Cr | 70 Cr | 12 Cr | 501 Cr | -1,035 Cr | -699 Cr | Sign in for TTM |
| EPS (₹) | ₹56.21 | ₹22.55 | ₹10.75 | ₹1.74 | ₹70.42 | ₹-145.17 | ₹-91.01 | Sign in for TTM |
| Dividend payout % | — | — | 0.0% | 0.0% | 0.0% | — | — | Sign in for TTM |
Sign in for TTM
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Equity capital | 64 Cr | 64 Cr | 69 Cr | 71 Cr | 71 Cr | 71 Cr | 80 Cr |
| Reserves | 2,562 Cr | 2,685 Cr | 3,021 Cr | 3,028 Cr | 3,573 Cr | 2,562 Cr | 2,049 Cr |
| Borrowings | 3,025 Cr | 5,373 Cr | 3,772 Cr | — | 9,425 Cr | 5,656 Cr | 3,943 Cr |
| Other liabilities | 325 Cr | 453 Cr | 214 Cr | 6,283 Cr | 313 Cr | 205 Cr | 174 Cr |
| Total liabilities | 5,977 Cr | 8,577 Cr | 7,076 Cr | 9,383 Cr | 13,383 Cr | 8,494 Cr | 6,246 Cr |
| Fixed assets (net) | 15 Cr | 20 Cr | 7 Cr | 25 Cr | 30 Cr | 31 Cr | 18 Cr |
| CWIP | — | 0.78 Cr | — | — | — | 0 Cr | — |
| Investments | 487 Cr | 2 Cr | 2 Cr | — | 112 Cr | 110 Cr | 114 Cr |
| Loans & advances | 4,852 Cr | 6,933 Cr | 5,518 Cr | — | 11,014 Cr | 5,708 Cr | 3,861 Cr |
| Inventories | 0 Cr | 0 Cr | 0 Cr | 1 Cr | 0 Cr | 0 Cr | 0 Cr |
| Trade receivables | 22 Cr | 12 Cr | 20 Cr | — | — | 0 Cr | — |
| Cash & bank | 60 Cr | 1,135 Cr | 727 Cr | 813 Cr | 1,398 Cr | 1,236 Cr | 769 Cr |
| Other assets | 540 Cr | 474 Cr | 801 Cr | 8,543 Cr | 828 Cr | 1,408 Cr | 1,485 Cr |
| Total assets | 5,977 Cr | 8,577 Cr | 7,076 Cr | 9,383 Cr | 13,383 Cr | 8,494 Cr | 6,246 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | 863 Cr | -2,171 Cr | -2,707 Cr | 3,669 Cr | 882 Cr |
| Cash from investing | — | — | 36 Cr | -175 Cr | 86 Cr | -119 Cr | 165 Cr |
| Cash from financing | — | — | -1,307 Cr | 2,433 Cr | 3,205 Cr | -3,712 Cr | -1,514 Cr |
| Net cash flow | — | — | -408 Cr | 86 Cr | 585 Cr | -162 Cr | -466 Cr |
| Free cash flow (OCF − Capex) | — | — | 849 Cr | -2,184 Cr | -2,732 Cr | 3,646 Cr | 878 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| ROCE % | 17.2% | 22.7% | 9.3% | 15.3% | 12.2% | -5.4% | -6.9% |
| ROE % | 14.4% | 5.3% | 2.3% | 0.0% | 13.7% | -39.3% | 0.0% |
| Debtor days | 6 | 3 | 5 | — | — | 0 | — |
| Inventory days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — |
| Cash conversion cycle | 6 | 3 | 5 | 0 | 0 | 0 | 0 |
| Debt / equity | 1.15 | 0.02 | 1.22 | — | 2.59 | 2.15 | 1.85 |
| Current ratio | — | — | — | — | — | — | — |
| Net debt / EBITDA | 0.00 | 0.00 | 4.84 | -1.98 | 5.32 | — | — |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Gross NPA | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — |
| Net NPA | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — |
| CET1 % | — | — | — | — | — | — | — |
| Additional Tier 1 % | — | — | — | — | — | — | — |
| Capital adequacy % | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — |
| ROA % | — | — | — | — | — | — | — |
Compare with peers
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