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
₹22.82B
Enterprise Value₹44.81B
Total Cash (Recent Filing)₹10.58B
Total Debt (Recent Filing)₹32.89B
Price to Earnings (P/E)―
Beta1.63
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-focused Business ModelA focused microfinance model serving rural and semi-urban low-income households builds durable customer relationships and deep local knowledge. Group-based lending improves repayment discipline and risk assessment, supporting predictable origination and structural demand from financial inclusion trends over years.
Deleveraging ProgressMeaningful reduction in total debt versus the FY2024 peak lowers immediate refinancing pressure and reduces interest-rate sensitivity. Sustained deleveraging improves liquidity flexibility and the company's ability to restore capital buffers, making funding needs more manageable over the medium term.
Large Field Workforce And ReachA sizable field workforce underpins origination, credit assessment and collections in microfinance—activities that rely on in-person presence. This distribution scale is a durable operational advantage for customer acquisition, recovery rates and maintaining portfolio quality across diverse rural markets.
Bears Say
Severe Profitability DeteriorationA swing from healthy profits to deep multi-year losses severely impairs retained capital and undermines the ability to self-fund growth. Persistent negative margins increase the likelihood of capital raises, constrain lending capacity, and weaken resilience to credit cycles over the medium term.
Persistent Negative Operating Cash FlowChronic negative operating and free cash flow force reliance on external funding and elevate liquidity risk. Without reliable internal cash generation, the company faces higher refinancing and funding-cost vulnerability, limiting sustainable portfolio growth and investment for at least the next several quarters.
Elevated Leverage RemainsAlthough debt declined from peaks, leverage remains high relative to weakened earnings. Elevated debt with eroded equity heightens solvency and interest-coverage risk, constraining strategic flexibility and increasing probability of distress or the need for dilutive capital actions if losses persist.
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 ₹22.82B.
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 63 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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