Spandana Sphoorty Financial Share Price Today (SPANDANA)
TODAY IN ONE LINE
SPANDANA edged up 0.4% on light volume, in line with Nifty's -0.0% move.
With a market cap of ₹2,368.45 Cr., it trades at a P/E of -7.22. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
Spandana Sphoorty Financial flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Virtually Debt-FreeVery low Debt-to-Equity of 0.02x
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●Sales ContractionQuarterly sales dropped 37.4% YoY
- ●Rising Receivables vs SalesReceivables grew 67.6% outpacing sales growth of -1.9%
Latest Spandana Sphoorty Financial News
What changed recently?
Recent events, corporate actions, and announcements.
Spandana Sphoorty Financial Limited valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Spandana Sphoorty Financial Limited, framed against the sector median so the premium or discount is obvious at a glance.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
Spandana Sphoorty Financial Limited technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Spandana Sphoorty Financial Limited — derived from the live tape, not yesterday's close.
Spandana Sphoorty Financial Limited last traded at ₹266.95 with an intraday range of ₹265–₹274 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹266.95| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 290.30 | +23.35 | +8.75% |
| R3 | 281.30 | +14.35 | +5.38% |
| R2 | 277.65 | +10.70 | +4.01% |
| R1 | 272.30 | +5.35 | +2.00% |
| PIVOT | 268.65 | 1.70 | 0.64% |
| CURRENT | 266.95 | — | — |
| S1 | 263.30 | -3.65 | -1.37% |
| S2 | 259.65 | -7.30 | -2.73% |
| S3 | 254.30 | -12.65 | -4.74% |
| S4 | 245.30 | -21.65 | -8.11% |
SPANDANA is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: ₹267.65–₹274
Trading Inside opening range
Spandana Sphoorty Financial Limited financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for Spandana Sphoorty Financial Limited — consolidated or standalone — with margins, YoY growth and key ratios inline.
Spandana Sphoorty Financial Limited reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹2,368.45 Cr. and reported EPS of ₹-95.37.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Interest Earned | 2,194 | 965 ▼ 56.0% |
| 69 | 42 ▼ 38.5% | |
| Total Income | 2,424 | 1,066 ▼ 56.0% |
| Net Interest Income (NII)Derived | 2,194 | 965 ▼ 56.0% |
| Profit Before Tax (PBT) | -1,379 | -925 ▲ 32.9% |
| -344 | -226 ▲ 34.1% | |
| Effective Tax %Derived | 24.92% | 24.46% |
| Total Profit for Period | -1,035 | -699 ▲ 32.5% |
| Less: Non-controlling Interests | -0 | — ▲ 100.0% |
| Net Profit (Owner's PAT)Derived | -1,035 | -699 ▲ 32.5% |
| PAT Growth YoY %Derived | -306.75% | 32.46% |
| Earnings Per Share (EPS ₹) | -116.70 | -78.88 ▲ 32.4% |
| Diluted Shares Outstanding (Cr) | 9 | 9 ▼ 0.1% |
| Other Comprehensive Income (Net of Tax) | 4 | -4 ▼ 191.0% |
| Impairment On Financial Instruments | 1,986 | 721 ▼ 63.7% |
| Net Gain Amortised Derecognition | — | 28 |
| Net Gain Fair Value Changes | 161 | 31 ▼ 80.9% |
| Net Loss Fair Value Changes | — | — |
| Other Revenue From Operations | — | — |
| Period | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Trend |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | 1,169 | 1,363 ▲ 16.6% | 1,337 ▼ 1.9% | 1,277 ▼ 4.4% | 2,238 ▲ 75.2% | 2,194 ▼ 2.0% | 965 ▼ 56.0% | |
34 | 23 ▼ 32.8% | 17 ▼ 25.0% | 76 ▲ 342.4% | 110 ▲ 44.5% | 69 ▼ 37.5% | 42 ▼ 38.5% | ||
| Total Income | 1,470 | 1,506 ▲ 2.5% | 1,480 ▼ 1.7% | 1,477 ▼ 0.2% | 2,534 ▲ 71.6% | 2,424 ▼ 4.3% | 1,066 ▼ 56.0% | |
| Net Interest Income (NII)Derived | 1,169 | 1,363 ▲ 16.6% | 1,337 ▼ 1.9% | 1,277 ▼ 4.4% | 2,238 ▲ 75.2% | 2,194 ▼ 2.0% | 965 ▼ 56.0% | |
| Profit Before Tax (PBT) | 618 | 200 ▼ 67.6% | 97 ▼ 51.7% | 18 ▼ 81.6% | 671 ▲ 3661.3% | -1,379 ▼ 305.6% | -925 ▲ 32.9% | |
267 | 55 ▼ 79.4% | 27 ▼ 50.8% | 5 ▼ 79.9% | 170 ▲ 3025.7% | -344 ▼ 302.3% | -226 ▲ 34.1% | ||
| Effective Tax %Derived | 43.11% | 27.43% | 27.92% | 30.48% | 25.33% | 24.92% | 24.46% | |
| Total Profit for Period | 352 | 145 ▼ 58.7% | 70 ▼ 52.0% | 12 ▼ 82.3% | 501 ▲ 3940.0% | -1,035 ▼ 306.7% | -699 ▲ 32.5% | |
| Less: Non-controlling Interests | 0 | 0 ▲ 12.6% | — ▼ 100.0% | — | 0 | -0 ▼ 200.0% | — ▲ 100.0% | |
| Net Profit (Owner's PAT)Derived | 351 | 145 ▼ 58.7% | 70 ▼ 51.9% | 12 ▼ 82.3% | 501 ▲ 3939.5% | -1,035 ▼ 306.7% | -699 ▲ 32.5% | |
| PAT Growth YoY %Derived | — | -58.73% | -51.86% | -82.25% | 3,939.54% | -306.75% | 32.46% | |
| Earnings Per Share (EPS ₹) | 43.93 | 18.13 ▼ 58.7% | 8.12 ▼ 55.2% | 1.40 ▼ 82.8% | 56.45 ▲ 3932.1% | -116.70 ▼ 306.7% | -78.88 ▲ 32.4% | |
| Diluted Shares Outstanding (Cr) | 8 | 8 ▲ 0.0% | 9 ▲ 7.4% | 9 ▲ 2.7% | 9 ▲ 0.4% | 9 ▲ 0.0% | 9 ▼ 0.1% | |
| Other Comprehensive Income (Net of Tax) | -0 | -30 ▼ 7294.1% | -35 ▼ 15.7% | -40 ▼ 16.8% | 4 ▲ 110.9% | 4 ▼ 9.3% | -4 ▼ 191.0% | |
| Impairment On Financial Instruments | 274 | 645 ▲ 135.8% | 481 ▼ 25.5% | 544 ▲ 13.3% | 283 ▼ 48.1% | 1,986 ▲ 602.9% | 721 ▼ 63.7% | |
| Net Gain Amortised Derecognition | — | — | — | — | — | — | 28 | |
| Net Gain Fair Value Changes | 219 | 76 ▼ 65.2% | 78 ▲ 2.8% | 85 ▲ 8.1% | 162 ▲ 92.2% | 161 ▼ 1.0% | 31 ▼ 80.9% | |
| Net Loss Fair Value Changes | — | 3 | 0 ▼ 96.9% | 0 ▼ 88.4% | — ▼ 100.0% | — | — | |
| Other Revenue From Operations | 11 | 34 ▲ 224.6% | 42 ▲ 21.7% | 39 ▼ 6.8% | 23 ▼ 40.2% | — ▼ 100.0% | — |
Spandana Sphoorty Financial segment analysis : revenue and profit mix.
Disclosed business segments at Spandana Sphoorty Financial with their share of revenue and profit, switchable between consolidated and standalone reporting.
Spandana Sphoorty Financial discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for Spandana Sphoorty Financial Limited.
Our AI distills the core fundamental drivers supporting Spandana Sphoorty Financial Limited, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
Spandana Sphoorty Financial Limited's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Strong promoter holding at 48.16% signals insider confidence and long-term commitment.
Price-to-book ratio of 1.14x indicates modest valuation relative to tangible book value.
Operating cash flow of ₹1,329.64 Cr demonstrates positive liquidity generation capability.
Microfinance model targets underserved semi-urban and rural populations effectively.
Cash per share of ₹123.76 provides operational liquidity cushion for near-term obligations.
Key Risks.
Operating margin of -43.30% reflects severe core profitability deterioration and stress.
ROE of -29.40% and ROCE of -5.81% indicate poor capital efficiency and value destruction.
Latest quarterly revenue declined 37.40% YoY, signaling sharp top-line contraction.
Net profit margin of -78.15% TTM shows company burning cash operationally.
Total debt of ₹32,892 Cr creates elevated leverage despite modest D/E ratio of 0.02x.
Flip Conditions.
Reassess if Net Interest Margin (NIM) contracts for two consecutive quarters.
Watch for asset quality deterioration if Gross NPA trends upward.
Spandana Sphoorty Financial Limited peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Spandana Sphoorty Financial Limited is highlighted for quick read-across.
Quick Compare
Spandana Sphoorty Financial Limited chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Spandana Sphoorty Financial Limited — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
- 1Pick how to scan. Detection sets sensitivity — Daily (standard) → Weekly (big swings). History sets how far back to look.
- 2Read the summary. The tiles at the top give the current read: net bias, the strongest pattern, and the one nearest to triggering.
- 3Scan the list. Use the Actionable, Watchlist, and History tabs to browse patterns. Click a pattern card to focus it.
- 4Inspect on the chart. Focusing draws the pattern’s pivots plus its break (blue), target (amber) and invalidation lines.
- 5Filter to what matters. Use the status controls (Confirmed, Forming, Invalidated) to hide noise and find exactly what you are looking for.
Pattern history — every completed pattern and its outcome
Spandana Sphoorty Financial Limited delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Spandana Sphoorty Financial Limited over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Spandana Sphoorty Financial Limited stood at 40.6% of traded volume, against a 20-day average of 45.3%.
Spandana Sphoorty Financial announcements: results, concalls, ratings, M&A.
Filings Spandana Sphoorty Financial sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Spandana Sphoorty Financial files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 133 documents below.
Copy of Newspaper Publication
Spandana Sphoorty Financial Limited has informed the Exchange about Newspaper Publication -Notice of the Twenty-Third (23rd) Annual General Meeting (…
General Updates
Spandana Sphoorty Financial Limited has informed the Exchange about Business Responsibility and Sustainability Report for financial year 2025-26.
Shareholders meeting
Spandana Sphoorty Financial Limited has informed the Exchange about Notice of the Twenty-Third (23rd) Annual General Meeting (AGM) and Annual Report…
Copy of Newspaper Publication
Spandana Sphoorty Financial Limited has informed the Exchange about Newspaper publication of unaudited consolidated financial results of the Company…
Copy of Newspaper Publication
Spandana Sphoorty Financial Limited has informed the Exchange about Newspaper Publication of information regarding Twenty-Third (23rd) Annual General…
Investor decks & rating reports.
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Spandana Sphoorty Financial dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Spandana Sphoorty Financial has declared, sequenced by announce and record date.
Spandana Sphoorty Financial corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Spandana Sphoorty Financial Limited: business, sector, key facts.
What Spandana Sphoorty Financial Limited does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Spandana Sphoorty Financial Limited operates in the Microfinance Institutions industry under the Financial Services sector, listed as NSE: SPANDANA, BSE: 542759.
Spandana Sphoorty Financial Limited
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.
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Questions investors ask about Spandana Sphoorty Financial Limited (SPANDANA).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Spandana Sphoorty Financial Limited (SPANDANA)?
The current share price of Spandana Sphoorty Financial Limited (SPANDANA) is ₹266.95. Today, the stock has gained by ₹0.95 (0.36%), trading in a range of ₹265 to ₹274. The stock opened at ₹274 with a trading volume of 1,88,750 shares.
02Is Spandana Sphoorty Financial Limited stock a good investment for long-term?
Spandana Sphoorty Financial Limited can be considered for long-term investment based on several factors. The company has a market capitalization of ₹2,368.45 crores, P/E ratio of -7.22, ROE of -29.40%, and ROCE of -5.81%. 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.
03What is the 52-week high and low price of Spandana Sphoorty Financial Limited stock?
The 52-week high price of Spandana Sphoorty Financial Limited (SPANDANA) is ₹319.4, while the 52-week low is ₹181.1. Currently trading at ₹266.95, the stock is 62.1% away from its 52-week low and 16.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Spandana Sphoorty Financial Limited stock at the current price?
Whether to buy Spandana Sphoorty Financial Limited stock at ₹266.95 depends on multiple factors. The stock is currently trading with a P/E ratio of -7.22 and P/B ratio of 1.11. Today's performance shows a gain of 0.36%. 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.
05What is the dividend yield of Spandana Sphoorty Financial Limited and when is the next dividend?
Spandana Sphoorty Financial Limited offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹266.95, 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.
06What are the key financial ratios and metrics of Spandana Sphoorty Financial Limited?
Spandana Sphoorty Financial Limited's key financial metrics include: P/E Ratio: -7.22, P/B Ratio: 1.11, ROE: -29.40%, ROCE: -5.81%, Dividend Yield: 0.00%, EPS: ₹-95.37, Book Value: ₹266.68, and Debt-to-Equity: 1.85. The company's market cap stands at ₹2,368.45 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Spandana Sphoorty Financial Limited stock performing today in the market?
Spandana Sphoorty Financial Limited stock opened at ₹274 and is currently trading at ₹266.95, showing a gain of ₹0.95 (0.36%). The intraday high is ₹274 and low is ₹265. The trading volume stands at 1,88,750 shares, indicating moderate market participation today.
08What is the P/E ratio of Spandana Sphoorty Financial Limited and what does it indicate?
Spandana Sphoorty Financial Limited has a Price-to-Earnings (P/E) ratio of -7.22, which means investors are willing to pay ₹-7.22 for every ₹1 of earnings. With an EPS of ₹-95.37, 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.
The data, ratios and commentary about Spandana Sphoorty Financial Limited (SPANDANA) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.