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 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +475.34486.85584.30591.22631.22663.13636.18509.36374.47261.87199.32206.99238.44
Interest146.24195.24222.89240.68238.57246.19244.67213.19171.50139.38111.37103.76121.88
Expenses +202.00154.86230.86217.23254.65370.09678.13834.03744.79560.60379.12218.55120.27
Financing Profit127.10136.75130.55133.31138.0046.85-286.62-537.86-541.82-438.11-291.17-115.32-3.71
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 +30.0015.0929.6130.3332.1326.2019.1116.482.752.318.629.4815.19
Depreciation3.673.124.535.506.583.904.684.615.733.323.103.043.15
Profit before tax153.43148.72155.63158.14163.5569.15-272.19-525.99-544.80-439.12-285.65-108.888.33
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 +116.21111.13116.31118.27122.2051.29-203.93-393.89-410.19-328.91-218.07-82.545.49
EPS in Rs13.1612.5913.1613.3613.785.78-22.99-44.41-46.24-37.08-24.59-9.310.62
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 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +3033453785871,0361,4091,4441,3761,3292,2802,181907
Interest112129150232358357419515447900879476
Expenses +104219196672074778608039198412,6211,279
Financing Profit87-43228847157516458-37539-1,319-848
Financing Margin %29%-1%9%49%45%41%11%4%-3%24%-60%-94%
Other Income +222512205322115661076436
Depreciation3486797911201913
Profit before tax106243462834695981786518626-1,274-825
Tax %1%0%-873%34%34%44%27%28%32%25%-25%-24%
Net Profit +1052434431883093371294712468-957-624
EPS in Rs41.3895.76125.2650.8041.6142.0916.125.431.4052.75-107.86-70.36
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 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital202028306064646971717180
Reserves-864-627-22161,8272,5442,6522,9622,9723,4852,5512,114
Borrowing1,8311,7101,8343,4772,9453,0165,1973,6315,9349,0125,1973,824
Other Liabilities +1,365997684267317433201208301189159
Total Liabilities2,3522,1001,9293,7644,8985,9428,3466,8649,18612,8708,0086,177
Fixed Assets +61498916201429322616
CWIP600000000000
Investments000265550115115306329425429
Other Assets +2,3412,0851,9203,7544,8245,3758,2116,7368,85012,5097,5575,732
Total Assets2,3522,1001,9293,7644,8985,9428,3466,8649,18612,8708,0086,177

Financials of Spandana Sphoorty Financial Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-182114-59-1,855-650-54-1,618820-2,053-2,3273,783506
Cash from Investing Activity +-7-10-1-6-59-48551445-178-257-200178
Cash from Financing Activity +222-1283151,6737524472,181-1,2722,3173,159-3,761-1,171
Net Cash Flow33-24255-18843-921,077-40786575-179-487
Free Cash Flow-190104-62-1,860-657-58-1,630809-2,065-2,3503,770505
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 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %138%29%15%5%2%0%14%-31%-26%