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 - ₹331.48
Previous CloseN/A
Volume14.11M
Average Volume (3M)15.73K
Market Cap
₹20.01B
Enterprise Value₹38.45B
Total Cash (Recent Filing)₹10.58B
Total Debt (Recent Filing)₹32.89B
Price to Earnings (P/E)―
Beta1.58
Next Earnings
May 05, 2026EPS Estimate
0.1Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-11.90
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
Focused Microfinance ModelSpandana’s core business targets financially underserved customers with group-based, small-ticket lending. This model benefits from structural demand for financial inclusion, predictable repeat borrowing, and community-based collections, offering a durable revenue base for 2–6+ months and beyond.
Operational ScaleA large employee base implies extensive branch and field coverage, enabling efficient loan disbursement, collections and customer outreach. Scale supports distribution advantages, local credit assessment capabilities and potential operating leverage as AUM grows, strengthening competitive position over time.
Historical Revenue Growth And Gross MarginThe company showed historical revenue expansion and maintained reasonable gross margins, indicating the core lending spread can generate operating profit before overheads. This suggests underlying demand and unit economics that could support recovery if operational cost and credit trends improve.
Bears Say
High LeverageElevated leverage raises refinancing and liquidity risk, especially for an NBFC dependent on external funding. High debt burdens compress flexibility to withstand shocks, increase interest expense sensitivity, and can force asset growth curbs or costly capital raises, weakening long-term stability.
Negative Operating And Free Cash FlowPersistent negative operating and free cash flow undermine the company’s ability to self-fund loan book growth and meet obligations. Reliance on external capital to maintain disbursements raises funding cost and execution risk, constraining sustainable expansion and increasing solvency vulnerability.
Deteriorating ProfitabilityA shift to negative margins and ROE indicates rising costs, credit losses or margin compression that erode internal capital generation. Ongoing losses can force higher provisioning, capital raises, or scaled-back lending, impairing growth trajectory and investor confidence over a multi-month horizon.
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 ₹331.48 in the past 12 months.
What is Spandana Sphoorty Financial Ltd.’s market cap?
Spandana Sphoorty Financial Ltd.’s market cap is ₹20.01B.
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 15 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 -₹11.9 earnings per share for the quarter, missing the consensus estimate of N/A by -₹11.9.
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 0.1.
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 -₹11.9 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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