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Spandana Sphoorty Financial

SPANDANA
Small Cap
(%) 1D
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1D1W1M3M6M1YMAX

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Spandana Sphoorty Financial Share price and Fundamental Analysis

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Spandana Sphoorty Financial Limited was incorporated as a public limited company with the name 'Spandana Sphoorty Innovative Financial Services Limited ('SSIFSL') on March 10, 2003 at Hyderabad, Andhra Pradesh, India. A certificate of commencement of business was issued to SSIFSL on November 11, 2003 by the Registrar of Companies, Andhra Pradesh and Telangana at Hyderabad . On October 16, 2004, the Reserve Bank of India ('RBI') granted a certificate of registration to the Company as a non-deposit accepting nonbanking financial company ('NBFC'). Subsequently, pursuant to a special resolution dated November 26, 2007 passed by the Shareholders, the name of the Company was changed to Spandana Sphoorty Financial Limited. Pursuant to a letter dated December 26, 2007, the RBI granted its no objection to the change of name of the Company to Spandana Sphoorty on January 3, 2008. The Company was granted NBFC - Microfinance Institution ('NBFC-MFI') status by the RBI with effect from April 13, 2015
Company Incorporation2003
ChairmanAbanti Mitra
Head QuartersNA
Previous NameNA

Key Metrics

Market Cap (Cr)
1,994.4
PE Ratio
0
Industry P/E
33.96
PEG Ratio
0
ROE
2.72%
ROCE
10.06%
ROA
-4.09%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
0
Book Value & P/B
491.78 x 0.57
Face Value
10
Outstanding Shares(Cr)
7.13
Current Ratio
EV to Sales
3.05

Included In

+More

Stock Returns

1 Week-1.26%
1 Month+11.51%
6 Months-24.34%
1 Year-64.45%
3 Years-32.29%
5 Years-39.45%

CAGR

1 Year CAGR

Revenue Growth

+73.03%

Net Profit Growth

+3940.02%

Financing Profit Growth

+308.28%

Dividend Growth

N/A

Stock Returns CAGR

-64.45%
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Mar 25

Promoters : 48.13%

FIIs : 19.83%

DIIs : 6.45%

Public : 25.59%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr
DII Shareholding Increased by 0.14% to 6.45% in March 2025 Qtr
FII Shareholding Decreased by 1.88% to 19.83% in March 2025 Qtr

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ROE

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ROCE

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ROA

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NPM

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Dividend History

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Spandana Sphoorty Financial Management and History

Company Management

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Company History

Spandana Sphoorty Financial Limited was incorporated as a public limited company with the name 'Spandana Sphoorty Innovative Financial Services Limited ('SSIFSL') on March 10, 2003 at Hyderabad, Andhra Pradesh, India. A certificate of commencement of business was issued to SSIFSL on November 11, 2003 by the Registrar of Companies, Andhra Pradesh and Telangana at Hyderabad . On October 16, 2004, the Reserve Bank of India ('RBI') granted a certificate of registration to the Company as a non-deposit accepting nonbanking financial company ('NBFC'). Subsequently, pursuant to a special resolution dated November 26, 2007 passed by the Shareholders, the name of the Company was changed to Spandana Sphoorty Financial Limited. Pursuant to a letter dated December 26, 2007, the RBI granted its no objection to the change of name of the Company to Spandana Sphoorty on January 3, 2008. The Company was granted NBFC - Microfinance Institution ('NBFC-MFI') status by the RBI with effect from April 13, 2015

The Company is a leading, rural focused NBFC-MFI with a geographically diversified presence in India. It offers income generation loans under the joint liability group model, predominantly to women from low-income households in Rural Areas. As of March 31, 2019, the company is the fourth largest NBFC-MFI and the sixth largest amongst NBFC-MFIs and SFBs in India, in terms of AUM update.

The Company has developed an in-depth understanding of the borrowing requirements of the low-income client segment. This business model involves regular client meeting processes through their employees, who maintain contact with clients across the districts that it covers. Through their loan products and client-centric approach, the company endeavours to strengthen the socio-economic well-being of low-income households by providing financing on a sustainable basis in order to improve livelihoods, establish identity and enhance self-esteem.

Post exit from CDR in March 2017, the company increased its lender base, diversified its borrowings to new banks and NBFCs and also issued NCDs in the capital markets. As a result, during Fiscal 2018, with increasing flow of capital, the company expanded its operations and were able to effectively utilize its existing branch network and employees (that were earlier underutilized due to lack of capital). Prior to their exit from CDR in 2017, the company had limited access to capital, due to which the company was able to offer loans in lower ticket sizes than the demand from their clients. According to ICRA Research, the company had the lowest portfolio per branch amongst peer comparison of major NBFC-MFIs and SFBs, as of March 31, 2017. Post exit from CDR, the company was able to optimize the ticket sizes and also acquire new clients at existing and new branches. This helped the company to grow the Gross AUM in Fiscal 2018 at one of the highest rates (143.8%) among large NBFC-MFIs in India.

Spandana Sphoorty Financial Share Price

Spandana Sphoorty Financial share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Spandana Sphoorty Financial Market Cap

Market capitalization of Spandana Sphoorty Financial indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Spandana Sphoorty Financial is valued compared to its competitors.

Spandana Sphoorty Financial PE Ratio

Spandana Sphoorty Financial PE ratio helps investors understand what is the market value of each stock compared to Spandana Sphoorty Financial 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Spandana Sphoorty Financial PEG Ratio

The PEG ratio of Spandana Sphoorty Financial evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Spandana Sphoorty Financial ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Spandana Sphoorty Financial generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Spandana Sphoorty Financial ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Spandana Sphoorty Financial in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Spandana Sphoorty Financial Total Debt

Total debt of Spandana Sphoorty Financial shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Spandana Sphoorty Financial Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Spandana Sphoorty Financial compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Spandana Sphoorty Financial CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Spandana Sphoorty Financial over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Spandana Sphoorty Financial Technical Analysis

Technical analysis of Spandana Sphoorty Financial helps investors get an insight into when they can enter or exit the stock. Key components of Spandana Sphoorty Financial Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Spandana Sphoorty Financial shares often struggle to rise above due to selling pressure.

Spandana Sphoorty Financial Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Spandana Sphoorty Financial ’s financial health and profitability.

Spandana Sphoorty Financial Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Spandana Sphoorty Financial Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Spandana Sphoorty Financial Financials

The financials of Spandana Sphoorty Financial provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Spandana Sphoorty Financial Profit and Loss Statements

The profit and loss statement of Spandana Sphoorty Financial highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Spandana Sphoorty Financial .

Spandana Sphoorty Financial Balance Sheet

The balance sheet presents a snapshot of Spandana Sphoorty Financial ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Spandana Sphoorty Financial Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

Spandana Sphoorty Financial Net Interest Margin (NIM)

Spandana Sphoorty Financial Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.

Spandana Sphoorty Financial Non-Performing Assets (NPA) Ratio

Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.

Spandana Sphoorty Financial Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.

Spandana Sphoorty Financial Gross NPA

Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.

Spandana Sphoorty Financial Net NPA Ratio

Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.

Spandana Sphoorty Financial CASA Ratio

CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.

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