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Banking And Finance | Small Cap
Health Score : 4.55Spandana Sphoorty Financial Ltd, operating in the non-bank financial sector, presents a mixed financial performance. The company shows strong revenue and EPS growth, alongside significant capital expenditure, which indicates potential for future expansion. However, it struggles with liquidity, profitability, and efficiency, particularly in managing its assets and generating consistent profits. Its interest coverage is also weak, which raises concerns about its ability to handle debt obligations. While the company has strengths in growth and ROCE, the identified weaknesses need attention to ensure long-term financial stability and competitive positioning within the financial services sector.
Health Score : 4.55Spandana Sphoorty Financial Ltd, operating in the non-bank financial sector, presents a mixed financial performance. The company shows strong revenue and EPS growth, alongside significant capital expenditure, which indicates potential for future expansion. However, it struggles with liquidity, profitability, and efficiency, particularly in managing its assets and generating consistent profits. Its interest coverage is also weak, which raises concerns about its ability to handle debt obligations. While the company has strengths in growth and ROCE, the identified weaknesses need attention to ensure long-term financial stability and competitive positioning within the financial services sector.
Overall Valuation Score
Markets Depth NSE
Buy Orders
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0
0
Sell Orders
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No sell depth
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0
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Markets Today NSE
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0.00
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0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
-3.36
Industry Median
18.97
Small Cap Median
18.31
P/E RATIO
-3.00
P/B RATIO
0.99
Industry Median
1.26
Small Cap Median
1.26
P/S RATIO
2.05
Industry Median
1.60
Small Cap Median
1.35
Others
PEG RATIO
0.00
EV/EBITDA RATIO
-11.88
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹236.45 as on Sep 1, 2026.
Growth Score : 6.00The growth ratios present a highly varied picture. There are significant expansions in revenue and EPS, indicating successful market penetration and profitability improvements. However, declines in operating profit, asset growth, and net income growth raise concerns about sustainability and operational efficiency. Balancing these aspects will be crucial for maintaining a stable growth trajectory.
Revenue Growth RateExcellent
Operating Profit Growth RatePoorEarnings Per Share (EPS) GrowthExcellentAsset Growth RatePoorNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -1.35 | -4.24 | 71.38 | -1.92 | -56.52 |
| Operating Profit Growth Rate | -51.89 | -153.93 | 1310.42 | -345.27 | 33.19 |
| Earnings Per Share (EPS) Growth | -55.38 | -82.82 | 3960.43 | -306.77 | 32.46 |
| Asset Growth Rate | -17.5 | 32.6 | 42.63 | -36.53 | -26.47 |
| Net Income Growth Rate | -51.72 | -82.86 | 4075 | -306.59 | 32.46 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Satin Creditcare Network Ltd | 8.71 | 7.22 | Neutral | 445.00 | 27.34 | 332.00 |
| 2 | Fino Payments Bank Ltd | 6.41 | 21.66 | Neutral | -1268.00 | 6.30 | 52.00 |
| 3 | Capital Small Finance Bank Ltd | 6.09 | 9.14 | Highly Undervalued | 91.00 | 31.10 | 141.00 |
| 4 | Muthoot Microfin Ltd | 5.52 | 19.64 | Neutral | 241.00 | 9.99 | 170.00 |
| 5 | ESAF Small Finance Bank Ltd | 4.88 | -12.34 | Neutral | -1039.00 | -3.23 | -166.00 |
| 6 | Spandana Sphoorty Financial Ltd | 4.55 | -3.00 | Neutral | -952.00 | -70.40 | -699.00 |
| 7 | Utkarsh Small Finance Bank Ltd | 4.19 | -2.30 | Neutral | -1938.00 | -6.47 | -1151.00 |
| 8 | Suryoday Small Finance Bank Ltd | 3.69 | 10.56 | Neutral | -160.00 | 14.30 | 152.00 |
| 9 | Fusion Finance Ltd | 3.63 | 226.34 | Neutral | -87.00 | 0.85 | 14.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤31st Jan 26
Q3 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
Quarterly Report⬤27th Jan 26
Quarterly Financial Results Q3 FY 2025-26
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
Spandana Sphoorty Financial Ltd. is a leading Indian microfinance institution providing financial services to low-income individuals, primarily women in rural and semi-urban areas. Its core business includes income-generating loans, tailored to foster economic self-reliance and empowerment through a joint liability group model.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Spandana Sphoorty Financial Ltd's P/E ratio (TTM) is -3.36, compared to the industry median of 18.97 and large cap median of 18.31.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Spandana Sphoorty Financial Ltd's P/B ratio is 0.99, compared to the industry median of 1.26 and large cap median of 1.26.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Spandana Sphoorty Financial Ltd's P/S ratio is 2.05, compared to the industry median of 1.60 and large cap median of 1.35.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Spandana Sphoorty Financial Ltd's PEG ratio is 0.17.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Spandana Sphoorty Financial Ltd's EV/EBITDA ratio is -11.88.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Spandana Sphoorty Financial Ltd's ROE is -32.83%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Spandana Sphoorty Financial Ltd's ROA is -15.24%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Spandana Sphoorty Financial Ltd's ROCE is -19.59%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Spandana Sphoorty Financial Ltd's operating margin is -92.97%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Spandana Sphoorty Financial Ltd's net margin is -68.26%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Spandana Sphoorty Financial Ltd's current ratio is 35.02.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Spandana Sphoorty Financial Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Spandana Sphoorty Financial Ltd's interest coverage ratio is -0.82.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Spandana Sphoorty Financial Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Spandana Sphoorty Financial Ltd's EPS is 32.46.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹236.45. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2003
Headquarters: Hyderabad, Telangana
Core Offerings: Joint Liability Group (JLG) loans, Individual loans, Loans against property (LAP), Gold loans
Stock Listing: NSE (SPANDANA), BSE (542759)
Promoter: Padmaja Reddy
2003: Founded by Padmaja Reddy as a non-banking financial company (NBFC) in Hyderabad. 2005: Registered as an NBFC-MFI with the RBI. 2011: Navigated challenges during the Andhra Pradesh microfinance crisis. 2019: Successfully completed its Initial Public Offering (IPO), listing on NSE and BSE. Present: Continues to expand microfinance operations across India, focusing on the joint liability group (JLG) model.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Joint Liability Group (JLG) Microfinance Loans | Approx. 85% | N/A (Interest Income is primary metric) |
| Other Loan Products (Individual, LAP, Gold) | Approx. 15% | N/A (Interest Income is primary metric) |
Joint Liability Group (JLG) Microfinance Loans: Provides small-ticket income-generating loans primarily to women from low-income households in rural and semi-urban areas, using a group lending methodology.
Individual Loans: Offers tailored financial solutions to eligible individual borrowers for various purposes, including business expansion and personal needs.
Other Loan Products: Includes gold loans and loans against property, diversifying its credit portfolio and catering to broader financial requirements of its customer base.
Padmaja Reddy: Founder, Managing Director & CEO. A veteran in the microfinance sector with over two decades of experience, she pioneered Spandana Sphoorty and continues to lead its strategic growth.
No major subsidiaries reported.
No major recent corporate actions on record.
The Spandana Sphoorty Financial Ltd share price today is ₹236.45 on NSE (SPANDANA), as of 28 Sept 2026.
As of 28 Sept 2026, Spandana Sphoorty Financial Ltd share price is ₹236.45, with previous close ₹236.45. Today's range is ₹236.45 to ₹236.45. The 52-week range is ₹N/A to ₹N/A.
As of today, Spandana Sphoorty Financial Ltd's market cap is ₹2,097.31 crore (Small Cap).
Spandana Sphoorty Financial Ltd's current P/E ratio is -3.36, compared to the BANKING AND FINANCE sector average of 28.50.
Spandana Sphoorty Financial Ltd's current P/B ratio is 0.99.
Spandana Sphoorty Financial Ltd's current dividend yield is N/A. Last dividend of ₹2.50 per share was declared on 04-Sep-2023.
Spandana Sphoorty Financial Ltd's EPS (TTM) is ₹32.46.
Spandana Sphoorty Financial Ltd. is a leading Indian microfinance institution providing financial services to low-income individuals, primarily women in rural and semi-urban areas. Its core business includes income-generating loans, tailored to foster economic self-reliance and empowerment through a joint liability group model.
Spandana Sphoorty Financial Ltd is promoted by Padmaja Reddy, holding 48.16% as of 28 Sept 2026.
Spandana Sphoorty Financial Ltd is listed on NSE (SPANDANA) and BSE (542759). Its next quarterly results are expected on August 2024 (Q1 FY25).