Spandana Sphoorty Financial Ltd. (IN:SPANDANA)
:SPANDANA
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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 - ₹306.08
Previous CloseN/A
Volume14.11M
Average Volume (3M)15.73K
Market Cap
₹21.19B
Enterprise Value₹41.27B
Total Cash (Recent Filing)₹10.58B
Total Debt (Recent Filing)₹32.89B
Price to Earnings (P/E)―
Beta1.59
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-203.44
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)9.36
Revenue Forecast (FY)₹8.89B
Bulls Say, Bears Say
Bulls Say
Revenue Growth (2020–2025)Sustained top-line growth across 2020–2025 indicates the firm has been able to expand loan disbursements and customer reach. Over a 2–6 month horizon this underlying demand base supports recovery potential if margins and funding are stabilized, and underpins long-term scale economics.
Microfinance Business Model & Market PositionA focused microfinance model targeting rural and semi-urban low-income households is structurally resilient: demand for small, unsecured credit is steady and often less cyclical than commercial lending. This niche and group-based lending gives durable access to underserved markets and stable origination flow.
Distribution Scale / Field NetworkA large employee base implies an extensive branch/field network for origination and collections, which is critical in microfinance. This durable operational footprint supports customer acquisition, portfolio monitoring and cost-efficient scaling versus newer entrants lacking comparable ground presence.
Bears Say
Profitability DeteriorationNegative net margin and declining ROE reflect persistent profitability pressures. Over the medium term this undermines retained earnings, hampers capital accumulation, and forces reliance on external capital or cost cutting to restore returns, making growth less self-sustaining.
High Leverage / Weaker Capital StructureElevated debt-to-equity raises refinancing and interest-rate sensitivity for an NBFC that depends on wholesale funding. Structurally higher leverage reduces financial flexibility, increases default risk in stress, and limits capacity to grow the loan book without fresh equity or deleveraging.
Negative Operating And Free Cash FlowPersistent negative operating and free cash flow signal weak cash conversion from lending operations. This forces dependence on external funding, raises liquidity risk, and makes the firm vulnerable to funding-cost shocks — a structural weakness for a capital-intensive microfinance lender.
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 ₹306.08 in the past 12 months.
What is Spandana Sphoorty Financial Ltd.’s market cap?
Spandana Sphoorty Financial Ltd.’s market cap is ₹21.19B.
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 77 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 ₹0.1 earnings per share for the quarter, the consensus estimate of ₹0.1 by ₹0.
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 ₹0.1 in its last earnings report, 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 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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