Spandana Sphoorty Financial Ltd. (IN:SPANDANA)
:SPANDANA
SPANDANA Stock Chart & Stats
₹260.85
₹75.90(18.95%)
At close: 4:00 PM EST
₹260.85
₹75.90(18.95%)
Day’s Range― - ―
52-Week Range₹182.50 - ₹331.48
Previous CloseN/A
Volume14.11M
Average Volume (3M)15.73K
Market Cap
₹17.09B
Enterprise Value₹36.05B
Total Cash (Recent Filing)₹10.58B
Total Debt (Recent Filing)₹32.89B
Price to Earnings (P/E)―
Beta1.59
Next Earnings
May 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-11.88
Shares Outstanding88,639,500
10 Day Avg. Volume7,350
30 Day Avg. Volume15,734
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.66
Price to Sales (P/S)0.81
P/FCF Ratio-1.34
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)9.47
Revenue Forecast (FY)₹9.74B
Bulls Say, Bears Say
Bulls Say
Microfinance Business ModelFocus on small-ticket, collateral-free loans to underserved borrowers is a durable, mission-driven model that targets persistent credit gaps. Group-based lending and financial inclusion tailwinds support steady demand and recurring interest income, underpinning long-term revenue potential.
Historical Revenue GrowthSustained revenue growth through 2020–2025 indicates the company was expanding portfolio and market share, providing a foundation for interest income. That scale can support margin recovery if credit costs, operating efficiency or funding mix are improved, making revenue a durable asset.
Field-operating ScaleA large field organization supports wide geographic reach, borrower origination and collections — a structural advantage in microfinance. Established distribution lowers incremental customer acquisition costs and aids recovery and monitoring, supporting portfolio stability over time.
Bears Say
Negative ProfitabilityNet losses and negative ROE signal core profitability issues that erode retained capital and investor confidence. Persisting negative margins reduce ability to self-fund growth or absorb loan losses, making long-term recovery dependent on structural fixes to costs or credit quality.
High LeverageElevated debt-to-equity raises interest burden and refinancing vulnerability for an NBFC reliant on external funding. Increases the sensitivity to funding cost moves and limits financial flexibility, forcing prioritization of deleveraging or capital raises to restore stability.
Weak Cash GenerationNegative operating and free cash flow show the business struggles to convert revenues into usable cash, constraining debt service, branch funding and reinvestment. Combined with high leverage, poor cash generation is a structural liquidity risk until collections or margins improve.
Spandana Sphoorty Financial Ltd. News
SPANDANA FAQ
What was Spandana Sphoorty Financial Ltd.’s price range in the past 12 months?
Spandana Sphoorty Financial Ltd. lowest stock price was ₹182.50 and its highest was ₹331.48 in the past 12 months.
What is Spandana Sphoorty Financial Ltd.’s market cap?
Spandana Sphoorty Financial Ltd.’s market cap is ₹17.09B.
When is Spandana Sphoorty Financial Ltd.’s upcoming earnings report date?
Spandana Sphoorty Financial Ltd.’s upcoming earnings report date is May 05, 2026 which is in 33 days.
How were Spandana Sphoorty Financial Ltd.’s earnings last quarter?
Spandana Sphoorty Financial Ltd. released its earnings results on Jan 27, 2026. The company reported -₹11.876 earnings per share for the quarter, missing the consensus estimate of N/A by -₹11.876.
Is Spandana Sphoorty Financial Ltd. overvalued?
According to Wall Street analysts Spandana Sphoorty Financial Ltd.’s price is currently Overvalued.
Does Spandana Sphoorty Financial Ltd. pay dividends?
Spandana Sphoorty Financial Ltd. does not currently pay dividends.
What is Spandana Sphoorty Financial Ltd.’s EPS estimate?
Spandana Sphoorty Financial Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Spandana Sphoorty Financial Ltd. have?
Spandana Sphoorty Financial Ltd. has 88,639,500 shares outstanding.
What happened to Spandana Sphoorty Financial Ltd.’s price movement after its last earnings report?
Spandana Sphoorty Financial Ltd. reported an EPS of -₹11.876 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -1.482%.
Which hedge fund is a major shareholder of Spandana Sphoorty Financial Ltd.?
Currently, no hedge funds are holding shares in IN:SPANDANA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Spandana Sphoorty Financial Ltd.
Spandana Sphoorty Financial Limited engages in the microfinance business in India. The company provides income generation loans for low-income households; loans against the property; personal loans for business development, purchase of livestock, house construction/renovation, and other needs; gold loans for agriculture, business, and short-term liquidity needs; and interim loans, as well as business loans. It also offers loans for women to expand their existing income-generating activities, smoothening household cash flows, and acquiring productive assets. The company serves low-income customers in semi-urban and rural areas with approximately 982 branches. Spandana Sphoorty Financial Limited was founded in 1998 and is based in Hyderabad, India.
Technical Analysis
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