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SPANDANA Stock Chart & Stats
₹261.35
₹4.05(1.55%)
At close: 4:00 PM EDT
₹261.35
₹4.05(1.55%)
Day’s Range― - ―
52-Week Range₹182.50 - ₹319.70
Previous CloseN/A
Volume349.47K
Average Volume (3M)15.73K
Market Cap
₹21.76B
Enterprise Value₹42.03K
Total Cash (Recent Filing)₹12.75B
Total Debt (Recent Filing)₹39.43B
Price to Earnings (P/E)―
Beta1.75
Next Earnings
Nov 02, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-80.15
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)12.9
Revenue Forecast (FY)₹8.85B
Bulls Say, Bears Say
Bulls Say
Stable Microfinance Business ModelSpandana’s core model targets small-ticket, group-based microloans in rural/semi-urban India. This creates durable, diversified retail credit flows and deep customer relationships that support predictable origination and a repeatable lending franchise independent of short-term market cycles.
Field-based Origination And Collection ScaleThe company’s emphasis on field staff networks and large operating footprint supports low-cost customer acquisition and effective collections. A sizable employee base enables geographic reach and portfolio diversification, improving long-term loan servicing and resilience versus digital-only competitors.
Progress On Leverage ReductionMeaningful debt reduction since FY2024 eases refinancing pressure and reduces near-term funding risk. Lower absolute debt improves headroom for funding operations and potential recovery, giving management more flexibility to stabilize credit costs and rebuild capital over time.
Bears Say
Severe Profitability DeteriorationSharp swing to large net losses has impaired equity and destroyed prior earnings power, reducing retained capital and limiting ability to self-fund growth. Prolonged losses raise the prospect of recapitalization, constrain strategic options, and weaken stakeholder confidence long term.
Persistent Negative Operating And Free Cash FlowChronic negative operating and free cash flows indicate the business cannot generate internal funding to cover growth or debt servicing. This structural cash shortfall forces reliance on external financing, increasing liquidity and interest-rate vulnerability and limiting sustainable expansion.
Material Revenue DeclineSustained top-line contraction reduces scale economics and erodes margin levers. Lower disbursements and portfolio shrinkage increase unit costs, pressure profitability recovery, and lengthen the timeline to rebuild capital or restore previous return levels absent a clear recovery in originations.
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 ₹319.70 in the past 12 months.
What is Spandana Sphoorty Financial Ltd.’s market cap?
Spandana Sphoorty Financial Ltd.’s market cap is ₹21.76B.
When is Spandana Sphoorty Financial Ltd.’s upcoming earnings report date?
Spandana Sphoorty Financial Ltd.’s upcoming earnings report date is Nov 02, 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 Jul 23, 2026. The company reported ₹1.486 earnings per share for the quarter, beating the consensus estimate of ₹0.4 by ₹1.086.
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 ₹1.486 in its last earnings report, beating expectations of ₹0.4. Following the earnings report the stock price went up 2.494%.
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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