Spandana Sphoorty Financial Q1 FY27 Share Price & Earnings Call Analysis
- Market cap
- ₹2,102 Cr
- ROE
- -29.38%
- Price to sales
- 2.10
- Debt to equity
- 1.85
- 52W high / low
- ₹311 / ₹178
- Sales growth (5Y)
- -7.14%
- EBITDA margin
- 1.61%
- Net profit margin
- -68.33%
- Promoter holding
- 48.16%
- Sales (last year)
- ₹1,007 Cr
Guidance scorecard · Q1 FY27 call
What Spandana Sphoorty Financial Ltd's management guided
RevenueQ1 FY27 call
10–20%- Sustainable and calibrated growth emphasized to avoid past consolidation issues during downturns.
- Management expects continued supportive environment from Kedaara and focus on consistent performance.
MarginsQ1 FY27 call
Up 0–2%See what Spandana Sphoorty Financial Ltd said on margins — free account, 30 seconds.
CapexQ1 FY27 call
Planned- Piloting an individual loan product in 8 branches of Madhya Pradesh, with plans to roll out pan India and to group company Criss Financial.
- Expansion focus on Tamil Nadu and Maharashtra states, aiming to grow to size comparable to other major states.
- Upgrading and migrating to a new Loan Origination System (LOS) platform (Perfios) by October-December, covering 1,250 branches, integrating credit and collections platforms for better customer insights.
- Investment in automation to reduce manual intake and increase efficiency.
2 more points from Spandana Sphoorty Financial Ltd's call on capex
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FundraisingQ1 FY27 call
PlannedSee what Spandana Sphoorty Financial Ltd said on fundraising — free account, 30 seconds.
Order bookQ1 FY27 call
Ask what Spandana Sphoorty Financial Ltd said on the order book →
Full Q1 FY27 analysisRanges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.
Potential multibaggers · Q2 FY27
This quarter's potential multibaggers
on management's own guidance
- Strong growth2
- Strong growth1
- Strong growth3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
Financials of Spandana Sphoorty Financial Ltd
Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Spandana Sphoorty Financial Ltd
Quarterly Results
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 475.34 | 486.85 | 584.30 | 591.22 | 631.22 | 663.13 | 636.18 | 509.36 | 374.47 | 261.87 | 199.32 | 206.99 | 238.44 |
| Interest | 146.24 | 195.24 | 222.89 | 240.68 | 238.57 | 246.19 | 244.67 | 213.19 | 171.50 | 139.38 | 111.37 | 103.76 | 121.88 |
| Expenses + | 202.00 | 154.86 | 230.86 | 217.23 | 254.65 | 370.09 | 678.13 | 834.03 | 744.79 | 560.60 | 379.12 | 218.55 | 120.27 |
| Financing Profit | 127.10 | 136.75 | 130.55 | 133.31 | 138.00 | 46.85 | -286.62 | -537.86 | -541.82 | -438.11 | -291.17 | -115.32 | -3.71 |
| Financing Margin % | 26.74% | 28.09% | 22.34% | 22.55% | 21.86% | 7.06% | -45.05% | -105.60% | -144.69% | -167.30% | -146.08% | -55.71% | -1.56% |
| Other Income + | 30.00 | 15.09 | 29.61 | 30.33 | 32.13 | 26.20 | 19.11 | 16.48 | 2.75 | 2.31 | 8.62 | 9.48 | 15.19 |
| Depreciation | 3.67 | 3.12 | 4.53 | 5.50 | 6.58 | 3.90 | 4.68 | 4.61 | 5.73 | 3.32 | 3.10 | 3.04 | 3.15 |
| Profit before tax | 153.43 | 148.72 | 155.63 | 158.14 | 163.55 | 69.15 | -272.19 | -525.99 | -544.80 | -439.12 | -285.65 | -108.88 | 8.33 |
| Tax % | 24.26% | 25.28% | 25.27% | 25.21% | 25.28% | 25.83% | -25.08% | -25.11% | -24.71% | -25.10% | -23.66% | -24.19% | 34.09% |
| Net Profit + | 116.21 | 111.13 | 116.31 | 118.27 | 122.20 | 51.29 | -203.93 | -393.89 | -410.19 | -328.91 | -218.07 | -82.54 | 5.49 |
| EPS in Rs | 13.16 | 12.59 | 13.16 | 13.36 | 13.78 | 5.78 | -22.99 | -44.41 | -46.24 | -37.08 | -24.59 | -9.31 | 0.62 |
| Gross NPA % | 1.95% | 1.49% | 1.27% | 1.50% | 1.43% | 2.60% | 4.88% | 4.85% | 4.85% | 4.88% | 4.97% | 2.60% | |
| Net NPA % | 0.64% | 0.45% | 0.38% | 0.45% | 0.29% | 0.52% | 0.97% | 0.96% | 0.96% | 0.96% | 0.97% | 0.50% |
Financials of Spandana Sphoorty Financial Ltd
Profit & Loss
Annual income statement trend
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 303 | 345 | 378 | 587 | 1,036 | 1,409 | 1,444 | 1,376 | 1,329 | 2,280 | 2,181 | 907 |
| Interest | 112 | 129 | 150 | 232 | 358 | 357 | 419 | 515 | 447 | 900 | 879 | 476 |
| Expenses + | 104 | 219 | 196 | 67 | 207 | 477 | 860 | 803 | 919 | 841 | 2,621 | 1,279 |
| Financing Profit | 87 | -4 | 32 | 288 | 471 | 575 | 164 | 58 | -37 | 539 | -1,319 | -848 |
| Financing Margin % | 29% | -1% | 9% | 49% | 45% | 41% | 11% | 4% | -3% | 24% | -60% | -94% |
| Other Income + | 22 | 251 | 22 | 0 | 5 | 32 | 21 | 15 | 66 | 107 | 64 | 36 |
| Depreciation | 3 | 4 | 8 | 6 | 7 | 9 | 7 | 9 | 11 | 20 | 19 | 13 |
| Profit before tax | 106 | 243 | 46 | 283 | 469 | 598 | 178 | 65 | 18 | 626 | -1,274 | -825 |
| Tax % | 1% | 0% | -873% | 34% | 34% | 44% | 27% | 28% | 32% | 25% | -25% | -24% |
| Net Profit + | 105 | 243 | 443 | 188 | 309 | 337 | 129 | 47 | 12 | 468 | -957 | -624 |
| EPS in Rs | 41.38 | 95.76 | 125.26 | 50.80 | 41.61 | 42.09 | 16.12 | 5.43 | 1.40 | 52.75 | -107.86 | -70.36 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of Spandana Sphoorty Financial Ltd
Balance Sheet
Capital structure and asset base
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 20 | 20 | 28 | 30 | 60 | 64 | 64 | 69 | 71 | 71 | 71 | 80 |
| Reserves | -864 | -627 | -2 | 216 | 1,827 | 2,544 | 2,652 | 2,962 | 2,972 | 3,485 | 2,551 | 2,114 |
| Borrowing | 1,831 | 1,710 | 1,834 | 3,477 | 2,945 | 3,016 | 5,197 | 3,631 | 5,934 | 9,012 | 5,197 | 3,824 |
| Other Liabilities + | 1,365 | 997 | 68 | 42 | 67 | 317 | 433 | 201 | 208 | 301 | 189 | 159 |
| Total Liabilities | 2,352 | 2,100 | 1,929 | 3,764 | 4,898 | 5,942 | 8,346 | 6,864 | 9,186 | 12,870 | 8,008 | 6,177 |
| Fixed Assets + | 6 | 14 | 9 | 8 | 9 | 16 | 20 | 14 | 29 | 32 | 26 | 16 |
| CWIP | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 2 | 65 | 550 | 115 | 115 | 306 | 329 | 425 | 429 |
| Other Assets + | 2,341 | 2,085 | 1,920 | 3,754 | 4,824 | 5,375 | 8,211 | 6,736 | 8,850 | 12,509 | 7,557 | 5,732 |
| Total Assets | 2,352 | 2,100 | 1,929 | 3,764 | 4,898 | 5,942 | 8,346 | 6,864 | 9,186 | 12,870 | 8,008 | 6,177 |
Financials of Spandana Sphoorty Financial Ltd
Cash Flows
Operating, investing and financing cash movement
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -182 | 114 | -59 | -1,855 | -650 | -54 | -1,618 | 820 | -2,053 | -2,327 | 3,783 | 506 |
| Cash from Investing Activity + | -7 | -10 | -1 | -6 | -59 | -485 | 514 | 45 | -178 | -257 | -200 | 178 |
| Cash from Financing Activity + | 222 | -128 | 315 | 1,673 | 752 | 447 | 2,181 | -1,272 | 2,317 | 3,159 | -3,761 | -1,171 |
| Net Cash Flow | 33 | -24 | 255 | -188 | 43 | -92 | 1,077 | -407 | 86 | 575 | -179 | -487 |
| Free Cash Flow | -190 | 104 | -62 | -1,860 | -657 | -58 | -1,630 | 809 | -2,065 | -2,350 | 3,770 | 505 |
| CFO/OP | -92% | 91% | -38% | -342% | -77% | -4% | -264% | 179% | -492% | -155% | -874% | -137% |
Financials of Spandana Sphoorty Financial Ltd
Ratios
Working capital efficiency and return ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 138% | 29% | 15% | 5% | 2% | 0% | 14% | -31% | -26% |
Guidance history
How Spandana Sphoorty Financial Ltd's guidance has moved, call by call
| Call | Revenue | Margins | Capex | Fundraising | Order book |
|---|---|---|---|---|---|
| Q1 FY27 call → | 10–20% | Up 0–2% | Planned | Planned | — |
| Q4 FY26 call → | 40%+ | Flat | — | Planned | Rising |
| Q3 FY26 call → | 20–40% | Up 0–2% | Planned | Planned | Rising |
| Q2 FY26 call → | 20–40% | Flat | Planned | Planned | Rising |
What management guided on each call, newest first. Not investment advice, and not a forecast of returns.
Momentum score · price trend
15 out of 100 — Cooling
Over the past year its share price has done worse than most of the stocks we track.
| Period | Share price change | Better than … of 1,910 stocks |
|---|---|---|
| Last 12 months | −20.7% | 36% |
| Last 6 months | −12.7% | 32% |
| Last 3 months | −23.4% | 10% |
The price is 84.3% below its all-time high of ₹1,269.76 (8 Nov 2019). Stocks more than 20% below their peak have their score halved, so 29 became 15.
How we calculate it
“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).
The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Spandana Sphoorty Financial Ltd: 0.4 × 36 + 0.4 × 32 + 0.2 × 10 = 29, halved to 15 because the price is more than 20% below its all-time high.
Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.
Full methodology →This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.