Spandana Sphoorty Financial profitability ratios

Profitability Growth Credit Liquidity Working capital Dividend yield DuPont CAGR

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	−29.4%	−29.4%	−33.0%	14.9%	0.4%
	−9.5%	−9.5%	−9.5%	4.4%	0.2%
	6.2%	6.2%	11.5%	11.5%	—
	136.7%	136.7%	59.3%	40.7%	—
	15.1%	15.1%	23.8%	2.6%	—
	−5.4%	−68.3%	−44.0%	20.7%	0.9%
Leverage
	2.93×	2.93×	3.23×	3.67×	—
	1.85×	1.85×	2.15×	2.59×	—
Additional
	5.3%	24.5%	24.9%	25.3%	30.5%

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

alphave

SPANDANA₹199.02

Spandana Sphoorty Financial Limited

· Banking & Finance

₹ CrorePeersSATIN FUSION MUTHOOTMFMcap ₹1,592 Cr

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	0.40	14.85	-32.98	-29.36	-29.36
Return on Assets	0.15	4.40	-9.46	-9.49	-9.49
Margins & Efficiency
Net Interest Margin (on avg assets)	—	11.52	11.54	6.20	6.20
Cost to Income	—	40.69	59.28	136.70	136.70
Credit Cost (impairment / avg loans)	—	2.57	23.76	15.06	15.06
Net Income Margin	0.88	20.66	-43.95	-68.28	-5.41
Leverage
Leverage (Assets/Equity)	—	3.67	3.23	2.93	2.93
Total Debt/Equity	—	2.59	2.15	1.85	1.85
Additional
Effective Tax Rate	30.48	25.33	24.92	24.46	5.26

No consensus estimates → no Est columns. Click any row to chart it.

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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%.