Spandana Sphoort Q1 FY27 Share Price & Earnings Call Analysis

Financials of Spandana Sphoort

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Spandana Sphoort

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 Sphoort

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 Sphoort

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 Sphoort

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 Sphoort

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%

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What Spandana Sphoort's management said in earlier quarters