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Spandana Sphoorty Financial Limited (SPANDANA.NS)
Hyderabad, IN
Spandana Sphoorty Financial Limited operates as a microfinance institution throughout India, providing essential financial services. The company offers a wide array of loan products, including income generation loans specifically designed for low-income households. Its offerings encompass personal loans for diverse needs such as business development, purchasing livestock, or funding home construction and renovations. Furthermore, Spandana Sphoorty furnishes loans secured by property, gold loans to support agriculture, business ventures, and immediate liquidity requirements, alongside general business and interim financing options. A key focus is also placed on providing loans for women, enabling them to expand their income-generating activities, manage household cash flows more effectively, and acquire productive assets. Serving low-income customers predominantly in semi-urban and rural areas, the company maintains an extensive network of approximately 982 branches. Spandana Sphoorty Financial Limited was established in 1998 and is headquartered in Hyderabad, India.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.70% | -7.87% | +21.50% | +1.23% | +3.12% | -3.20% | -9.37% | -58.99% | -55.23% | -69.25% | -69.25% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%-50.6% Q1'26: -16.5% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+37.3% ★ Q1'26: +101.1% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-59.5% Q1'26: +445.9% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%-86.8% Q1'26: -238.7% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%-19.3% Q1'26: -38.8% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+7.7% Q1'26: +7.7% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×-4.34× Q1'26: -1.40× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 2 Rev. Ana. 1 EPS Ana. |
Mar 2027 3 Rev. Ana. 2 EPS Ana. |
Mar 2028 2 Rev. Ana. 1 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
12.64B
est: 11.13B (+13.6%)
|
13.55B
est: 9.56B (+41.7%)
|
13.85B
est: 10.02B (+38.2%)
|
12.68B
est: 9.95B (+27.5%)
|
22.16B
est: 14.87B (+49.0%)
|
21.60B
est: 15.99B (+35.1%)
|
5.55B
5.53B – 5.57B
-65.3% YoY
|
8.77B
6.01B – 13.66B
+58.1% YoY
|
12.02B
11.41B – 12.62B
+37.0% YoY
|
15.05B
12.28B – 19.67B
+25.3% YoY
|
| EBITDA |
6.29B
est: 512.88M (+1,126.0%)
|
2.26B
est: 2.72B (-16.7%)
|
4.91B
est: 3.17B (+54.9%)
|
296.70M
est: 3.98B (-92.6%)
|
6.92B
est: -2.35B (+394.9%)
|
-13.55B
est: -2.68B (-405.8%)
|
-876.07M
-879.09M – -873.06M
+67.3% YoY
|
-1.38B
-2.16B – -949.11M
-58.1% YoY
|
-1.90B
-1.99B – -1.80B
-37.0% YoY
|
-2.38B
-3.10B – -1.94B
-25.3% YoY
|
| EBIT |
6.20B
est: 422.60M (+1,367.1%)
|
2.19B
est: 9.44B (-76.9%)
|
4.82B
est: 380.31M (+1,167.6%)
|
188.00M
est: 377.60M (-50.2%)
|
6.72B
est: -2.50B (+369.2%)
|
-13.77B
est: -2.68B (-413.3%)
|
-931.70M
-934.92M – -928.49M
+65.3% YoY
|
-1.47B
-2.29B – -1.01B
-58.1% YoY
|
-2.02B
-2.12B – -1.92B
-37.0% YoY
|
-2.53B
-3.30B – -2.06B
-25.3% YoY
|
| Net Income |
3.51B
est: 3.80B (-7.6%)
|
1.45B
est: 3.53B (-58.9%)
|
694.68M
est: 4.12B (-83.1%)
|
123.10M
est: 5.18B (-97.6%)
|
5.01B
est: 4.37B (+14.6%)
|
-10.35B
est: -14.51B (+28.7%)
|
-6.99B
-7.05B – -6.47B
+51.8% YoY
|
1.41B
400.80M – 2.91B
+120.2% YoY
|
2.17B
1.83B – 2.52B
+53.5% YoY
|
2.96B
2.25B – 4.14B
+36.3% YoY
|
| SGA |
28.43M
est: 132.69M (-78.6%)
|
31.04M
est: 2.13B (-98.5%)
|
165.63M
est: 2.49B (-93.3%)
|
261.80M
est: 3.13B (-91.6%)
|
230.70M
est: 170.43M (+35.4%)
|
308.60M
est: 194.47M (+58.7%)
|
63.61M
63.39M – 63.83M
-67.3% YoY
|
100.54M
68.91M – 156.56M
+58.1% YoY
|
137.71M
130.83M – 144.59M
+37.0% YoY
|
172.52M
140.78M – 225.45M
+25.3% YoY
|
| EPS |
56.22
est: 53.35 (+5.4%)
|
22.55
est: 29.67 (-24.0%)
|
10.22
est: 11.79 (-13.3%)
|
1.65
est: 1.40 (+17.6%)
|
66.97
est: 61.38 (+9.1%)
|
-145.16
est: -116.35 (-24.8%)
|
-89.68
-91.76 – -84.29
+22.9% YoY
|
14.87
5.22 – 37.94
+116.6% YoY
|
31.26
23.78 – 32.74
+110.3% YoY
|
38.53
29.31 – 53.90
+23.3% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-07 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-06 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-05 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-04 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.01% | 78.9K | 0.65% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ashish Kumar Damani | President & Chief Financial Officer | 48M | male |
| Vinay Prakash Tripathi | Company Secretary | 7M | male |
| Ganesh | Chief Operating Officer | — | male |
| Prashant Rai | Chief People Officer | — | male |
| Shilpa Jain | Chief of Financial Reporting & Assurance | — | female |
| Shriraj Vedsen | Chief Business Officer of East | — | male |
| Sunand Sahu | Chief Internal Auditor | — | male |
| Venkatesh Krishnan | MD & CEO | — | male |
| Vijay Mohan Reddy | Chief Compliance Officer | — | male |
| Ajay Ganotra | Chief Business Officer of North | — | male |
| Vishal Sharma | Chief Operating Officer | — | male |
| Avinash Yadav | Chief Information Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for SPANDANA.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
