Spandana Sphoorty FIN Ltd

NSE: SPANDANA · Microfinance Institutions · sector

₹182.66NSE close 2026-10-26

Key numbers

Market cap₹1,461 cr

Price₹182.66

52w high / low₹319 / ₹181

P/E–Sector median 11.6x

P/B0.7xSector median 0.9x

Book value₹274.3

Dividend yield–

ROE-11.6%Sector median 8.9%

ROA-4.52%Sector median 2.03%

Gross NPA–

Net NPA–

CET1–

Sales growth 3y-12.0%Sector median +8.1%

Profit growth 3y–Sector median -2.0%

PEG–

Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 5 companies in Microfinance Institutions (P/E median leaves out loss-making companies). Tap ? for what a number means.

Things to know

No promoter shares are pledged.
Net loss in 6 of the last 8 quarters.
Total income was higher than a year earlier in 0 of the last 4 quarters.
No dividend in the last 5 financial years.
Price ₹182.66 on 2026-10-26: -42.8% from the 52-week high, +0.9% from the 52-week low.

Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.

Charts

Weekly close · high ₹592.30 · low ₹182.66

Quarterly results

₹ cr	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total income	640	512	374	262	199	207	238	262
Net interest income	640	512	374	262	199	207	238	262
Other income	19	16	3	2	9	9	15	18
Net profit	-204	-394	-410	-329	-218	-83	5	16
EPS (₹)	-28.60	-55.24	-57.53	-46.13	-28.68	-10.32	0.69	2.01
Revenue YoY					-68.9%	-59.6%	-36.3%	-0.1%
Profit YoY					–	–	–	–

Standalone figures where filed. Latest quarter Jun 2026.

Profit & loss (yearly)

₹ cr	FY22	FY23	FY24	FY25	FY26	TTM
Revenue	1,376	1,329	2,300	2,181	907	906
Net profit	47	12	468	-957	-624	-279
EPS (₹)	7.22	1.74	65.81	-134.18	-81.24	-36.30
Revenue growth		-3.5%	+73.1%	-5.2%	-58.4%	-49.3%
Profit growth		-73.5%	+3,691.6%	-304.5%	–	–
Dividend / share (₹)	–	–	–	–	–

Compounded growth	3 years	5 years	Last 12 months
Sales	-12.0%	-8.9%	-49.3%
Net profit	–	–	–
EPS	–	–	–
Share price	–	-36.2% (2y)	-21.2%

Balance sheet

₹ cr	FY22	FY23	FY24	FY25	FY26
Shareholders' equity	–	3,043	3,556	2,623	2,194
Borrowings	–	–	5,124	3,262	1,740
Cash & equivalents	–	1,002	1,870	1,791	1,214
Total assets	–	9,186	12,870	8,008	6,177
Fixed assets	–	25	28	23	13
Capital work in progress	–	–	–	–	0
Inventory	–	0	0	0	0

Year-end figures from the March annual filing.

Cash flow

₹ cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	820	-2,053	-2,503	3,783	506
Cash from investing	45	-178	-10	-200	178
Cash from financing	-1,272	2,317	3,089	-3,761	-1,171
Capex	12	13	23	13	3
Free cash flow	808	-2,065	-2,526	3,770	503

Free cash flow = cash from operations − capex.

Ratios by year

₹ cr	FY22	FY23	FY24	FY25	FY26
ROE %	–	0.4%	13.2%	-36.5%	-28.4%

Shareholding

Holder	% (2026-09-30)
Promoters	48.16%
FIIs	17.84%
DIIs	5.72%
of which Mutual funds	0.87%
of which Insurance	2.92%
Government	0.00%
Public (non-institutions)	28.28%

Quarter	Mar 2025	Jun 2025	Aug 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters %	48.13%	48.13%	48.16%	48.16%	48.16%	48.16%	48.16%	48.16%

Promoter group	%
Kangchenjunga Limited	41.12%
Kedaara Capital Fund III LLP	7.04%

Public holders above 1%	%
Goldman Sach Funds-goldman Sachs India Equity P	3.77%
SG India Alpha Holdings LLC	3.57%
ICICI Prudential Life Insurance Company Limited	2.92%
Valiant Mauritius Partners Offshore Limited	2.87%
Valiant Mauritius Partners FDI Limited	2.02%
Vakiant Mauritius Partners Limited	1.28%

1,07,678 shareholders. Pledged: 0.00% of promoter shares.

Peers in Microfinance Institutions

Company	Market cap	P/E	P/B	ROE	ROA	Gross NPA	Sales 3y	Div yield
CREDITACC	₹15,986 cr	13.2x	2.0x	16.4%	3.79%	–	+19.6%	–
MUTHOOTMF	₹2,447 cr	10.0x	0.9x	8.9%	1.93%	–	–	–
SATIN	₹2,419 cr	6.4x	0.8x	12.7%	2.88%	–	+17.0%	–
FUSION	₹2,215 cr	13.3x	0.9x	8.2%	2.03%	–	-0.8%	–
SPANDANA	₹1,461 cr	–	0.7x	-11.6%	-4.52%	–	-12.0%	–

All 5 companies in Microfinance Institutions →

Dividends & corporate actions

Ex-date	Action	Detail
2025-07-24	Rights	Rights 10:41 @ Premium Rs 220/-

Documents

Links go to the original files on the exchange website.

About the company

Microfinance:


Sector	Financial Services
Industry	Microfinance Institutions
Sub-industry	Microfinance Institutions
Symbol	SPANDANA
BSE code	542759
ISIN	INE572J01011
Face value	₹10.0
Incorporated	2003-03-10
Website	www.spandanasphoorty.com
Plants (India / abroad)	1,321 / 0

From the company's filings (BRSR FY26).

Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.