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Spandana Sphoorty Financial Ltd

Spandana Sphoorty Financial

Small Cap•13,097 Employees•IPO 2019
Current Price
₹228.23
2.48 (1.1%)Updated
NSE :SPANDANA
BSE :542759
Sector :Consumer Finance
Valuation vs Sector
P/E Ratio
-1.69vs 18.64
P/B Ratio
0.93vs 2.12
Div Yield
0.00%vs 0.61%
Today's Range
226.03
₹228.23
indicator
233.1
52 Week Range
52W Low₹181.10
52W High₹348.30
₹228.23
indicator
Downside26.02%
Upside52.61%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹2,343.63 Cr
Market Cap
Total market value of company
P/E Ratio
-
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
0.90
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹-150.60
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
-28.12%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
-4.14%
ROCE
Return on Capital Employed. >15% is good
Net Margin
-100.58%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
9.68%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
-57.70%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
-747.00%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
2.15
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹351.17
Book Value
Net asset value per share
Dividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
48.20%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • •Significant promoter holding of 48.2% indicates strong insider confidence.
  • •Price-to-book ratio of 0.91 suggests potential undervaluation of company assets.

Weaknesses

5 points
  • •Severe profitability issues with -747% quarterly profit decline and negative ROE.
  • •Elevated debt-to-equity ratio of 2.15 indicates significant financial leverage and risk.

Opportunities

5 points
  • •Expanding into underserved semi-urban and rural markets offers significant growth potential.
  • •Low valuation presents a potential turnaround opportunity with successful strategic initiatives.

Threats

5 points
  • •Declining promoter holding from 63.59% to 48.16% signals waning insider confidence.
  • •Intense competition from profitable peers could hinder market share recovery.

Segment-wise Financial Analysis

Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹246.35+₹18.12+7.94%
R3₹239.28+₹11.05+4.84%
R2₹236.19+₹7.96+3.49%
R1₹232.21+₹3.98+1.74%
PIVOT₹229.120.890.39%
CURRENT₹228.23--
S1₹211.00-₹17.23-7.55%
S2₹218.07-₹10.16-4.45%
S3₹222.05-₹6.18-2.71%
S4₹225.14-₹3.09-1.35%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
1.58L
(15 Apr 2026)
-36.9% vs avg
Delivery %
41.1%
(15 Apr 2026)
-2.6% vs avg
Avg Volume (20D)
2.50L
(13 Mar - 15 Apr)
20-day average
Avg Delivery %
43.7%
(13 Mar - 15 Apr)
Trend ↓
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Manba Finance Ltd
88.20 %
Highest Dividend Yield
Repco Home Finance Ltd
1.59 %

Peer Comparison

Company Name
ARMANFIN
Arman Financial Services Ltd
BAJFINANCE
Bajaj Finance Ltd
FUSION
Fusion Finance Ltd
INDOSTAR
Indostar Capital Finance Ltd
LAXMIINDIA
MANBA
Manba Finance Ltd
NORTHARC
Northern ARC Capital Ltd
PAISALO
Paisalo Digital Ltd
REPCOHOME
Repco Home Finance Ltd
SATIN
Satin Creditcare Network Ltd

About

SPANDANA

Spandana Sphoorty Financial Ltd

Spandana Sphoorty Financial Limited is a microfinance company operating primarily in India, catering to the financial needs of low-income individuals, particularly women entrepreneurs, residing in semi-urban and rural areas. The company's core business model revolves around providing microfinance services, focusing on accessibility and affordability for underserved populations often overlooked by traditional banking institutions. Their mission is to empower these individuals economically through accessible and responsible lending practices.

A cornerstone of Spandana's lending approach is the utilization of joint liability group-based microfinance. This model involves lending to groups of women, leveraging the collective responsibility and support network within the group to ensure loan repayment. This strategy mitigates risk for the company while simultaneously fostering community engagement and shared economic progress among borrowers.

Beyond group-based lending, Spandana Sphoorty Financial Limited offers a diversified range of financial products tailored to the specific needs of its target clientele. These offerings include loans secured against property, catering to those with existing assets, and nano enterprise loans designed to support the growth and development of small businesses. The company also provides individual loans, offering a more personalized approach to financing individual financial needs.

The company's focus on semi-urban and rural areas is a significant aspect of its business strategy. These regions often lack access to formal financial institutions, creating a substantial unmet demand for credit and financial services. By concentrating its operations in these areas, Spandana addresses a crucial market gap, facilitating economic growth and empowerment at the grassroots level. This targeted approach contributes significantly to financial inclusion within the Indian economy.

Founded in 1998 and headquartered in Hyderabad, India, Spandana Sphoorty Financial Limited has established a long-standing presence in the Indian microfinance sector. Its enduring success reflects the effectiveness of its business model and its commitment to responsible lending practices, consistently striving to improve the economic well-being of its clients within a framework of sustainable financial growth.

COMPANY FACTS - SPANDANA

Registered Address

Galaxy, Wing B, 16th Floor,, Plot No.1, Sy No 83/1, Hyderabad Knowledge City,, TSIIC, Raidurg Panmaktha,

Hyderabad

TELANGANA

IN

Tel: 18802035220

Website:https://spandanasphoorty.com/

Investor Relations:http://spandanasphoorty.com/annual-reports/
Company Details

Group: Financial Services

Sector: Financials

Industry: Consumer Finance

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 13,097

IPO Date: 19/08/2019

MANAGEMENT - SPANDANA

Ms. Abanti Mitra

Non-Executive Independent Chairman of the Board

Mr. Ashish Damani

President, Interim Chief Executive Officer, Chief Financial Officer

Mr. Vishal Sharma

Chief Operating Officer

Mr. Prashant Rai

Chief People Officer

Mr. Arvind Murarka

Chief Information Officer

Mr. Vijay Reddy

Chief Compliance Officer

Mr. Amit Anand

Chief Risk Officer

Mr. Subhrangsu Chakravarty

Chief Financial Controller

Mr. Ajay Ganotra

Chief Business Officer - North

Ms. Shilpa Jain

Chief of Financial Reporting and Assurance

Mr. Sunand Sahu

Chief Internal Auditor

Mr. Sushanta Tripathi

Chief Business Officer - Secured Lending

Investor Questions Answered

Spandana Sphoorty Financial Ltd (SPANDANA) Stock FAQs

Get answers to the most common questions about Spandana Sphoorty Financial Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of Spandana Sphoorty Financial Ltd (SPANDANA) is ₹228.23. Today, the stock has gained by ₹2.48 (1.10%), trading in a range of ₹226.03 to ₹233.1. The stock opened at ₹229.4 with a trading volume of 87,813 shares.
Spandana Sphoorty Financial Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹2,343.63 crores, P/E ratio of 0.00, ROE of -28.12%, and ROCE of -4.14%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Spandana Sphoorty Financial Ltd (SPANDANA) is ₹348.3, while the 52-week low is ₹181.1. Currently trading at ₹228.23, the stock is 28.2% away from its 52-week low and 34.5% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Spandana Sphoorty Financial Ltd stock at ₹228.23 depends on multiple factors. The stock is currently trading with a P/E ratio of 0.00 and P/B ratio of N/A. Today's performance shows a gain of 1.10%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Spandana Sphoorty Financial Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹228.23, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Spandana Sphoorty Financial Ltd's key financial metrics include: P/E Ratio: 0.00, P/B Ratio: N/A, ROE: -28.12%, ROCE: -4.14%, Dividend Yield: 0.00%, EPS: ₹-150.60, Book Value: ₹351.17, Debt-to-Equity: 2.15, and Current Ratio: N/A. The company's market cap stands at ₹2,343.63 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Spandana Sphoorty Financial Ltd stock opened at ₹229.4 and is currently trading at ₹228.23, showing a gain of ₹2.48 (1.10%). The intraday high is ₹233.1 and low is ₹226.03. The trading volume stands at 87,813 shares, indicating moderate market participation today.
Spandana Sphoorty Financial Ltd has a Price-to-Earnings (P/E) ratio of 0.00, which means investors are willing to pay ₹0.00 for every ₹1 of earnings. With an EPS of ₹-150.60, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Spandana Sphoorty Financial Ltd has a market capitalization of ₹2,343.63 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹228.23) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Spandana Sphoorty Financial Ltd has a book value of ₹351.17 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹228.23, which is 35.0% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Spandana Sphoorty Financial Ltd has a Return on Equity (ROE) of -28.12% and Return on Capital Employed (ROCE) of -4.14%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Spandana Sphoorty Financial Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Spandana Sphoorty Financial Ltd has a debt-to-equity ratio of 2.15, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Spandana Sphoorty Financial Ltd has an Earnings Per Share (EPS) of ₹-150.60, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹228.23 and P/E ratio of 0.00, investors are paying 0.00 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Spandana Sphoorty Financial Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Spandana Sphoorty Financial Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Spandana Sphoorty Financial Ltd stock, consider: 1) Fundamental Analysis - Review P/E (0.00), ROE (-28.12%), debt-to-equity (2.15), and growth rates. 2) Technical Analysis - Check 52-week range (₹181.10 - ₹348.30), moving averages, and chart patterns. 3) Valuation - Compare current price (₹228.23) with book value (₹351.17) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Spandana Sphoorty Financial Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹228.23 is 2182x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Spandana Sphoorty Financial Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹181.10 - ₹348.30). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 2.15 indicates leverage. 4) Liquidity Risk - Based on trading volume of 87,813 shares. 5) Valuation Risk - P/E of 0.00 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Spandana Sphoorty Financial Ltd operates in the industry with key metrics: P/E ratio of 0.00, ROE of -28.12%, market cap of ₹2,343.63 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 2.15), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Spandana Sphoorty Financial Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹228.23, with a 52-week range of ₹181.10 to ₹348.30. Based on fundamentals like P/E (0.00), ROE (-28.12%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Spandana Sphoorty Financial Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹228.23. 2) Fundamental Deterioration - Declining ROE (currently -28.12%), increasing debt (D/E: 2.15), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Spandana Sphoorty Financial Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.