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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 - ₹319.70
Previous CloseN/A
Volume14.11M
Average Volume (3M)15.73K
Market Cap
₹26.85B
Enterprise Value₹41.37K
Total Cash (Recent Filing)₹12.75B
Total Debt (Recent Filing)₹39.43B
Price to Earnings (P/E)―
Beta1.76
Next Earnings
Jul 23, 2026EPS Estimate
0.4Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-80.15
Shares Outstanding88,639,500
10 Day Avg. Volume7,350
30 Day Avg. Volume15,734
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)0.66
Price to Sales (P/S)1.33
P/FCF Ratio-1.09
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)14.87
Revenue Forecast (FY)₹8.77B
Bulls Say, Bears Say
Bulls Say
Microfinance Business Model & Rural ReachSpandana’s core microfinance model targets underserved rural and semi-urban households via group-based lending across multiple states. That structural market demand and distribution focus supports steady origination potential and scale advantages versus urban-focused lenders over the medium term.
Progressive DeleveragingMeasured reduction in total debt from FY2024 to FY2026 reduces rollover pressure and funding cost sensitivity. Durable deleveraging, if sustained, lowers liquidity risk, improves covenant headroom and provides more optionality for prudent capital restoration and gradual business normalization.
Large Field Network And StaffingA workforce of ~13,100 indicates an extensive origination and collections footprint, a key durable asset in microfinance. Strong field presence helps client acquisition, collection discipline and operating leverage as volumes scale, supporting medium-term revenue recovery once asset quality stabilizes.
Bears Say
Sharp Profitability DeteriorationRapid shift to deep multi-year losses has impaired equity and undermines internal capital generation. Persistent negative margins weaken the franchise, raise funding costs, and mean recovery requires sustained revenue growth plus material credit-cost or expense improvement, which can take many quarters.
Chronic Negative Operating And Free Cash FlowRepeated negative operating and free cash flow signal limited internal funding capacity and higher reliance on external capital. Structurally weak cash generation constrains growth, makes the company vulnerable to funding market dislocations and increases dilution or refinancing risks over the medium term.
Leverage Remains ElevatedDespite deleveraging, debt-to-equity near ~1.8–2.6 keeps financial risk high. Elevated leverage amplifies earnings volatility, limits strategic flexibility, increases refinancing exposure and raises sensitivity to credit losses, meaning capital cushions remain thin until profitability and cash flow normalize.
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 ₹319.70 in the past 12 months.
What is Spandana Sphoorty Financial Ltd.’s market cap?
Spandana Sphoorty Financial Ltd.’s market cap is ₹26.85B.
When is Spandana Sphoorty Financial Ltd.’s upcoming earnings report date?
Spandana Sphoorty Financial Ltd.’s upcoming earnings report date is Jul 23, 2026 which is in 6 days.
How were Spandana Sphoorty Financial Ltd.’s earnings last quarter?
Spandana Sphoorty Financial Ltd. released its earnings results on May 05, 2026. The company reported ₹0.7 earnings per share for the quarter, beating the consensus estimate of ₹0.1 by ₹0.6.
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 is 0.4.
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 ₹0.7 in its last earnings report, beating expectations of ₹0.1. Following the earnings report the stock price went up 11.253%.
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 operates as a microfinance institution throughout India, providing essential financial services. The company offers a wide array of loan products, including income generation loans specifically designed for low-income households. Its offerings encompass personal loans for diverse needs such as business development, purchasing livestock, or funding home construction and renovations. Furthermore, Spandana Sphoorty furnishes loans secured by property, gold loans to support agriculture, business ventures, and immediate liquidity requirements, alongside general business and interim financing options. A key focus is also placed on providing loans for women, enabling them to expand their income-generating activities, manage household cash flows more effectively, and acquire productive assets. Serving low-income customers predominantly in semi-urban and rural areas, the company maintains an extensive network of approximately 982 branches. Spandana Sphoorty Financial Limited was established in 1998 and is headquartered in Hyderabad, India.
Technical Analysis
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