Spandana Sphoorty Financial Ltd
Spandana Sphoorty Financial Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
AUM growth is expected to continue sequentially in coming quarters, supported by higher disbursals and lower write-offs. - Disbursement run rate targeted at Rs. Spandana aims to break even on a consolidated basis by Q2 FY'27, with current quarters already showing PPOP positivity. - Expected AUM growth from Rs.
From Spandana Sphoorty Financial Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- AUM growth is expected to continue sequentially in coming quarters, supported by higher disbursals and lower write-offs.
- Disbursement run rate targeted at Rs. 500 crores per month initially, with plans to increase gradually to Rs. 550-600 crores.
- Sustainable growth aimed, balancing cost, collection efficiency, and credit costs.
- By FY'28, AUM is expected to reach Rs. 9,000 to 10,000 crores from the current ~Rs. 4,000 crores.
- Growth driven by both existing customers (top-up loans) and new customer acquisitions, with a roughly 60:40 split.
- Targeting 25-30% growth in disbursements, with possibility of higher growth due to low base.
2 more points from Spandana Sphoorty Financial Ltd's call on revenue
Pro opens every point from 15K+ earnings calls
Profitability & Margins
See what Spandana Sphoorty Financial Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- The company is targeting growth in loan against property (LAP) segment, aiming to increase the LAP book from around Rs. 300 crores currently to Rs. 1,000 crores by FY'28.
- Plans include launching individual unsecured loans as a pilot in select clusters or branches, following the success of the LAP product.
- There is an emphasis on sustainable business growth with focus on scaling disbursements to about Rs. 500 crores per month initially and gradually reaching Rs. 550-600 crores.
- No explicit mention of large capital expenditure or strategic investments beyond the organic growth and scaling of loan products.
2 more points from Spandana Sphoorty Financial Ltd's call on capex
Pro opens every point from 15K+ earnings calls
Top-ranked in Finance
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
See what Spandana Sphoorty Financial Ltd said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
2 more points from Spandana Sphoorty Financial Ltd's call on order book
Pro opens every point from 15K+ earnings calls
Continue your research
What Spandana Sphoorty Financial Ltd's management said in earlier quarters
Others in Finance this season
- Capital Trust (Q3 FY26)
Total Income for Q3 FY26: ₹11.3 Crores . Key investor presentation takeaways from Capital Trust Ltd's Q3 FY26 investor presentation — and how it ranks against s
- CSL Finance (Q3 FY26)
Q3FY26 revenue was ₹64.44 crore, up 20% YoY from ₹53.70 crore in Q3FY25 (Page 8). Key investor presentation takeaways from CSL Finance's Q3 FY26 investor presen
- SRG Housing (Q3 FY26)
130.60 crore (up from Rs. Key investor presentation takeaways from SRG Housing Finance Ltd's Q3 FY26 investor presentation — and how it ranks against sector pee
- Tourism Finance Corporation of India Ltd (Q3 FY26)
58.92 crore, up from Rs. Key investor presentation takeaways from Tourism Finance Corporation of India Ltd's Q3 FY26 investor presentation — and how it ranks ag
Arthneeti Pro · Annual
Spandana Sphoorty Financial Ltd and 15K+ more earnings calls,
for less than your morning chai
a day
Every earnings call, ranking and concall Q&A across all four results seasons.
Secure Razorpay payment · instant access
Frequently Asked Questions
What were Spandana Sphoorty Financial Ltd Q3 FY26 results?
AUM growth is expected to continue sequentially in coming quarters, supported by higher disbursals and lower write-offs. - Disbursement run rate targeted at Rs. Spandana aims to break even on a consolidated basis by Q2 FY'27, with current quarters already showing PPOP positivity. - Expected AUM growth from Rs.
What is Spandana Sphoorty Financial Ltd share price analysis?
Spandana Sphoorty Financial Ltd currently shows a neutral. The stock trades at a P/E of N/A with a market cap of ₹1,968 Cr. Investors should review the full earnings analysis for detailed insights.
Is Spandana Sphoorty Financial Ltd planning capital expenditure?
The company is targeting growth in loan against property (LAP) segment, aiming to increase the LAP book from around Rs.
Keep Spandana Sphoorty Financial Ltd on your radar — track it to get its next earnings analysis in your feed.
This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.