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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₹204.18 - ₹331.48
Previous CloseN/A
Volume14.11M
Average Volume (3M)15.73K
Market Cap
₹21.73B
Enterprise Value₹39.28B
Total Cash (Recent Filing)₹0.00
Total Debt (Recent Filing)₹0.00
Price to Earnings (P/E)―
Beta1.60
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)-79.64
Revenue Forecast (FY)₹6.52B
Bulls Say, Bears Say
Bulls Say
Business Model & Market NicheA clear microfinance focus targeting underserved, low-income borrowers is a durable structural advantage. Group-based, small-ticket lending supports steady demand from financial inclusion initiatives, creates sticky customer relationships, and produces recurring interest income that underpins long-term revenue stability.
Scale And Distribution ReachA sizeable employee base signals material operational scale and distribution capability in field-based lending. Scale lowers unit origination and servicing costs, aids geographic diversification of credit risk, and supports faster portfolio growth when funding is available, improving long-run competitive position.
Revenue Trajectory And Gross MarginSustained revenue growth through 2025 and a reasonable gross profit margin indicate product-market fit and preserved lending spreads. If operating efficiency and credit costs are managed, the company has a structural opportunity to translate top-line scale into durable profitability improvements over the medium term.
Bears Say
High Financial LeverageMaterial leverage elevates refinancing and interest-rate risk and constrains strategic flexibility. Heavy reliance on debt increases fixed finance costs and magnifies earnings volatility from credit losses, making capital structure improvement essential for long-term stability and investor confidence.
Weak Cash GenerationPersistent negative operating and free cash flow forces dependence on external funding and limits self-funded growth or loss absorption. Sustained cash-generation weakness undermines liquidity, raises funding costs, and is a structural constraint until operating cash conversion materially improves.
Recent Profitability ErosionA shift to negative net margins reflects that earnings no longer cover operating expenses and credit costs, reducing internal capital formation. This erosion harms return metrics and necessitates either operational restructuring, improved credit performance, or external capital to restore durable profitability.
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 ₹204.18 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 ₹21.73B.
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 61 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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