Spandana Sphoorty Financial financials

·Banking & FinanceChart ›
Latest results Q1 FY27 · Apr–Jun 2026
Total income
₹303cr−0.3% on Q1 FY26
Net interest income
₹148cr+14.0% on Q1 FY26
Net profit
₹11.9cr−₹360 cr in Q1 FY26
EPS
₹1.49−₹50.52 in Q1 FY26

Quarterly results

Every quarter ›
₹ croreQ1 FY27Q1 FY26Change
Total income303304−0.3%
Net interest income148130+14.0%
Net profit11.9−360—
EPS₹1.49−₹50.52—

Over time

Q1 FY27 · Apr–Jun 2026latest
Total income₹303 crNet profit₹11.9 crNet interest margin9.5%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
1,592————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
1,0651,0662,4242,5341,477
—−56.0%−4.3%+71.6%—
4754571,2621,311—
—−63.8%−3.8%——
6.2%6.2%11.5%11.5%—
136.7%136.7%59.3%40.7%—
15.1%15.1%23.8%2.6%—
−327−699−1,03550112.4
—+32.5%−306.7%+3,940.0%—
−₹40.89−₹87.43−₹129.44₹62.61₹1.55
—+32.5%−306.7%+3,939.5%—
−29.4%−29.4%−33.0%14.9%0.4%
−9.5%−9.5%−9.5%4.4%0.2%
Balance sheet
3,8613,8615,70811,014—
—−32.4%−48.2%——
3,9433,9435,6569,425—
1.85×1.85×2.15×2.59×—
2.93×2.93×3.23×3.67×—
Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

SPANDANA₹199.02

Spandana Sphoorty Financial Limited

· Banking & Finance
₹ CrorePeersSATINFUSIONMUTHOOTMFMcap ₹1,592 Cr
HighlightsEnterprise ValueMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————1,591.6
Total Income1,477.02,534.02,424.11,066.31,065.4
Growth %, YoY—+71.6-4.3-56.0—
Net Interest Income—1,311.31,262.1456.9475.1
Growth %, YoY——-3.8-63.8—
NIM %, on assets—11.5211.546.206.20
Cost to Income %—40.6959.28136.70136.70
Credit Cost %, on avg loans—2.5723.7615.0615.06
Net Income12.4500.7-1,035.2-699.2-327.0
Growth %, YoY—+3,940.0-306.7+32.5—
EPS, Adj (current shares)1.5562.61-129.44-87.43-40.89
Growth %, YoY—+3,939.5-306.7+32.5—
ROE %0.4014.85-32.98-29.36-29.36
ROA %0.154.40-9.46-9.49-9.49
Balance Sheet
Loans—11,014.35,708.43,860.53,860.5
Growth %, YoY——-48.2-32.4—
Total Borrowings—9,424.65,655.63,942.73,942.7
Debt/Equity ×—2.592.151.851.85
Leverage (Assets/Equity) ×—3.673.232.932.93
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

Spandana Sphoorty Financial financials and key ratios

Prices at the previous close · figures from the company's filings with NSE

Spandana Sphoorty Financial (NSE: SPANDANA) had a market capitalisation of ₹1,592 crore at the previous close (₹199.02 a share) and a price-to-book ratio of 0.75. In FY26 its consolidated net loss was ₹699 crore on revenue of ₹1,024 crore; in Q1 FY27 (April–June 2026) it was ₹11.9 crore. Promoters held 48.16% of the shares on 30 September 2026.

Share price used
₹199.02 · previous close
Latest balance sheet
31 March 2026
Shareholding pattern
30 September 2026

Spandana Sphoorty Financial at a glance · consolidated

Market cap
₹1,592 Crat ₹199.02 · previous close
PE ratio
n/aloss over the last 4 quarters
Price to book (PB)
0.75book value ₹266.27 a share
ROE (FY26)
−29.4%
Debt to equity
1.85net debt ₹2,668 Cr
Promoter holding
48.16%unchanged vs 30 Jun 202630 September 2026

Questions

What is the Spandana Sphoorty Financial PE ratio today?

Spandana Sphoorty Financial's PE ratio is not meaningful at the previous close: its consolidated net profit over the last four quarters (Q2 FY26 to Q1 FY27) was a loss of ₹327 crore, and a price-to-earnings ratio needs positive earnings. Its market capitalisation was ₹1,592 crore at ₹199.02 a share.

What is the Spandana Sphoorty Financial PB ratio (price to book value)?

Spandana Sphoorty Financial's price-to-book (PB) ratio is 0.75 at the previous close: a market capitalisation of ₹1,592 crore divided by shareholders' equity (book value) of ₹2,129 crore on 31 March 2026. That is a book value of ₹266.27 per share against a share price of ₹199.02.

What is the Spandana Sphoorty Financial net worth?

Spandana Sphoorty Financial's net worth — shareholders' equity in its consolidated balance sheet — was ₹2,129 crore on 31 March 2026, down 19.1% from ₹2,633 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹1,592 crore at the previous close.

What is the Spandana Sphoorty Financial market cap?

Spandana Sphoorty Financial's market capitalisation was ₹1,592 crore at the previous close: 8 crore shares at ₹199.02 each.

What is the Spandana Sphoorty Financial ROE?

In FY26, Spandana Sphoorty Financial's return on equity (ROE) was −29.4%. ROE is net profit divided by average shareholders' equity (the start and end of the year).

What is the Spandana Sphoorty Financial book value per share?

Spandana Sphoorty Financial's book value per share was ₹266.27 on 31 March 2026: shareholders' equity of ₹2,129 crore divided by the 8 crore shares in issue. The share price at the previous close was ₹199.02.

What is the Spandana Sphoorty Financial debt to equity ratio?

Spandana Sphoorty Financial's debt-to-equity ratio was 1.85 on 31 March 2026: borrowings, debt securities, deposits and subordinated debt of ₹3,943 crore against total equity of ₹2,130 crore. A year earlier, on 31 March 2025, it was 2.15.

What is the Spandana Sphoorty Financial promoter holding?

Promoters held 48.16% of Spandana Sphoorty Financial on 30 September 2026, unchanged from both the previous quarter and a year earlier, according to the shareholding pattern filed with NSE.

What are the Spandana Sphoorty Financial latest quarterly results?

Spandana Sphoorty Financial's latest results are for Q1 FY27 (April–June 2026), filed on 23 July 2026: consolidated net profit ₹11.9 crore, against a loss of ₹360 crore in Q1 FY26; revenue from operations ₹284 crore, down 5.5% year on year.

What is the Spandana Sphoorty Financial EPS?

Spandana Sphoorty Financial's basic earnings per share (EPS) were −₹91.01 in FY26, against −₹145.17 in FY25.

What is the Spandana Sphoorty Financial revenue and profit in FY26?

In FY26 (April 2025–March 2026), Spandana Sphoorty Financial's consolidated net loss was ₹699 crore, narrower than the loss of ₹1,035 crore in FY25, on revenue from operations of ₹1,024 crore (down 56.5%).

Spandana Sphoorty Financial vs Satin Creditcare Network: how do they compare?

In FY26, Spandana Sphoorty Financial earned net profit of ₹699 crore on revenue of ₹1,024 crore, against ₹332 crore on ₹3,143 crore for Satin Creditcare Network.

What is the Spandana Sphoorty Financial shareholding pattern?

On 30 September 2026, Spandana Sphoorty Financial's shares were held by promoters 48.16%, foreign portfolio investors (FII/FPI) 17.84%, domestic institutions (DII) 5.72% (including mutual funds at 0.87%) and retail and other non-institutional investors 28.28%. Over the year, FII holding was down 2.41 percentage points from 20.25% and DII holding was down 0.40 percentage points from 6.12%.

When are the Spandana Sphoorty Financial next results?

Spandana Sphoorty Financial will announce its Q2 FY27 results (July–September 2026) on Friday, 30 October 2026, the date of the board meeting it has notified to the exchanges.

How does Spandana Sphoorty Financial compare with its peers?

On FY26 consolidated figures, against Satin Creditcare Network, Fusion Finance and Muthoot Microfin: Spandana Sphoorty Financial's return on equity of −29.4% is the lowest of the four (Satin Creditcare Network 12.3%, Fusion Finance 0.7%, Muthoot Microfin 6.2%; peer average 6.4%).

Where do these Spandana Sphoorty Financial figures come from?

From Spandana Sphoorty Financial's own consolidated results, balance sheets and shareholding patterns filed with NSE. Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.