Spandana Sphoorty Financial Ltd
Spandana Sphoorty Financial Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Spandana aims to grow its loan book to INR 6,500 crores by FY27-end, up from around INR 4,400 crores currently. Spandana aims to sustain around 40%-45% annual loan book growth, targeting INR6,500 crores AUM by FY27-end and INR9,000-10,000 crores by FY28.
From Spandana Sphoorty Financial Ltd's Q4 FY26 earnings-call transcript · updated 24 Aug 2026.
Revenue & Sales Performance
- Spandana aims to grow its loan book to INR 6,500 crores by FY27-end, up from around INR 4,400 crores currently.
- The company targets annual book growth of approximately 40%-45%.
- Disbursement levels are expected to sustain at around INR 500 crores monthly initially, with plans to increase to INR 550-600 crores in due course.
- It plans to add about 7 lakh new borrowers in FY27, increasing its borrower base from 1.1 million to close to 1.6 million.
- The company anticipates reaching INR 9,000-10,000 crores AUM by FY28, indicating strong growth momentum.
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Profitability & Margins
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Capital Expenditure Plans
- Spandana Sphoorty Financial Limited is migrating to a new Loan Origination System (LOS) platform developed by Perfios.
- The new LOS platform will enable launching of the individual loan product by end of Q1 FY27 or early next quarter.
- The JLG (Joint Liability Group) migration to the new platform is planned around October-November 2026.
- There's no explicit mention of additional capital expenditure or strategic investments beyond the technology platform migration and product launches in the provided text.
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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
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Order Book & Pipeline
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Frequently Asked Questions
What were Spandana Sphoorty Financial Ltd Q4 FY26 results?
Spandana aims to grow its loan book to INR 6,500 crores by FY27-end, up from around INR 4,400 crores currently. Spandana aims to sustain around 40%-45% annual loan book growth, targeting INR6,500 crores AUM by FY27-end and INR9,000-10,000 crores by FY28.
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?
Spandana Sphoorty Financial Limited is migrating to a new Loan Origination System (LOS) platform developed by Perfios.
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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.