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
₹20.10B
Enterprise Value₹44.60B
Total Cash (Recent Filing)₹10.58B
Total Debt (Recent Filing)₹32.89B
Price to Earnings (P/E)―
Beta1.62
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 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)11.78
Revenue Forecast (FY)₹8.51B
Bulls Say, Bears Say
Bulls Say
Microfinance Business ModelSpandana’s core microfinance model targets rural and semi-urban low-income households using group-based, small-ticket lending. That structure creates diversified, granular credit exposure and persistent structural demand for credit in underserved markets, supporting long-term loan origination stability and community-level collections.
Operational Scale And DistributionA workforce of over 13,000 implies an extensive field distribution and collection network; this scale supports origination reach, local underwriting, and recovery capabilities. Durable operational scale lowers per-loan costs over time and creates a barrier to entry versus smaller competitors for rural microcredit.
Progress On DeleveragingMeaningful debt reduction from peak levels improves funding flexibility and reduces interest burden risk relative to prior years. Continued deleveraging, if sustained, strengthens liquidity headroom and lowers refinancing pressure, aiding recovery and enabling strategic options like targeted growth or capital rebuilding.
Bears Say
Profitability DeteriorationThe sharp transition from strong profits to multi-year deep losses materially impairs retained capital and earnings resilience. Persistent negative margins constrain the company’s ability to self-fund growth, increase the need for external capital, and raise long-term viability concerns if profitability is not restored.
Negative Operating And Free Cash FlowSustained negative operating and free cash flow indicate limited internal funding capacity and ongoing reliance on external financing. For an NBFC, weak cash generation heightens liquidity and refinancing risk, constrains ability to absorb credit shocks, and undermines durable funding of new originations.
Elevated Leverage And Impaired EquityHigh leverage combined with capital impairment from losses raises solvency and regulatory risk. Even with some deleveraging, elevated debt relative to weakened equity increases interest and refinancing burdens, limits strategic flexibility, and could necessitate future capital raises to restore a healthy capital structure.
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 ₹20.10B.
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 36 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 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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