About
Spandana Sphoorty Financial Limited engages in the microfinance business in India. The company provides joint liability group based microfinance for women entrepreneurs; loans against the property; and individual loans. It serves low-income customers in semi-urban and rural areas. Spandana Sphoorty Financial Limited was founded in 1998 and is based in Hyderabad, India.
Key Metrics
as of Sep 2026Market Cap1,706 Cr
P/E—
Div Yield0.00 %
Book Value₹240.00
52w High₹320.00
52w Low₹181.00
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 126.00 | 120.00 | 219.00 | 379.00 | 561.00 | 745.00 | 834.00 | 678.00 | 370.00 | 255.00 | 217.00 | 231.00 | 155.00 |
| Other Income | 18.00 | 15.00 | 9.00 | 9.00 | 2.00 | 3.00 | 16.00 | 19.00 | 26.00 | 32.00 | 30.00 | 30.00 | 15.00 |
| Depreciation | 2.00 | 3.00 | 3.00 | 3.00 | 3.00 | 6.00 | 5.00 | 5.00 | 4.00 | 7.00 | 6.00 | 5.00 | 3.00 |
| Interest | 129.00 | 122.00 | 104.00 | 111.00 | 139.00 | 172.00 | 213.00 | 245.00 | 246.00 | 239.00 | 241.00 | 223.00 | 195.00 |
| Profit before tax | 23.00 | 8.00 | -109.00 | -286.00 | -439.00 | -545.00 | -526.00 | -272.00 | 69.00 | 164.00 | 158.00 | 156.00 | 149.00 |
| Tax % | 30.00 | 34.00 | -24.00 | -24.00 | -25.00 | -25.00 | -25.00 | -25.00 | 26.00 | 25.00 | 25.00 | 25.00 | 25.00 |
| Net Profit | 16.00 | 5.00 | -83.00 | -218.00 | -329.00 | -410.00 | -394.00 | -204.00 | 51.00 | 122.00 | 118.00 | 116.00 | 111.00 |
| EPS in Rs | 1.81 | 0.62 | -9.31 | -24.59 | -37.08 | -46.24 | -44.41 | -22.99 | 5.78 | 13.78 | 13.36 | 13.16 | 12.59 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 1,276.00 | 2,621.00 | 841.00 | 919.00 | 803.00 | 860.00 | 477.00 | 207.00 | 67.00 | 196.00 | 219.00 | 104.00 |
| Other Income | 36.00 | 64.00 | 107.00 | 66.00 | 15.00 | 21.00 | 32.00 | 5.00 | 0.00 | 22.00 | 251.00 | 22.00 |
| Interest | 479.00 | 879.00 | 900.00 | 447.00 | 515.00 | 419.00 | 357.00 | 358.00 | 232.00 | 150.00 | 129.00 | 112.00 |
| Depreciation | 13.00 | 19.00 | 20.00 | 11.00 | 9.00 | 7.00 | 9.00 | 7.00 | 6.00 | 8.00 | 4.00 | 3.00 |
| Profit before tax | -825.00 | -1,274.00 | 626.00 | 18.00 | 65.00 | 178.00 | 598.00 | 469.00 | 283.00 | 46.00 | 243.00 | 106.00 |
| Tax % | -24.00 | -25.00 | 25.00 | 32.00 | 28.00 | 27.00 | 44.00 | 34.00 | 34.00 | -873.00 | 0.00 | 1.00 |
| Net Profit | -624.00 | -957.00 | 468.00 | 12.00 | 47.00 | 129.00 | 337.00 | 309.00 | 188.00 | 443.00 | 243.00 | 105.00 |
| EPS in Rs | -70.36 | -107.86 | 52.75 | 1.40 | 5.43 | 16.12 | 42.09 | 41.61 | 50.80 | 125.26 | 95.76 | 41.38 |
| Dividend Payout % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 80.00 | 71.00 | 71.00 | 71.00 | 69.00 | 64.00 | 64.00 | 60.00 | 30.00 | 28.00 | 20.00 | 20.00 |
| Reserves | 2,114.00 | 2,551.00 | 3,485.00 | 2,972.00 | 2,962.00 | 2,652.00 | 2,544.00 | 1,827.00 | 216.00 | -2.00 | -627.00 | -864.00 |
| Other Liabilities | 159.00 | 189.00 | 301.00 | 208.00 | 201.00 | 433.00 | 317.00 | 67.00 | 42.00 | 68.00 | 997.00 | 1,365.00 |
| Total Liabilities | 6,177.00 | 8,008.00 | 12,870.00 | 9,186.00 | 6,864.00 | 8,346.00 | 5,942.00 | 4,898.00 | 3,764.00 | 1,929.00 | 2,100.00 | 2,352.00 |
| Fixed Assets | 16.00 | 26.00 | 32.00 | 29.00 | 14.00 | 20.00 | 16.00 | 9.00 | 8.00 | 9.00 | 14.00 | 6.00 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 6.00 |
| Investments | 429.00 | 425.00 | 329.00 | 306.00 | 115.00 | 115.00 | 550.00 | 65.00 | 2.00 | 0.00 | 0.00 | 0.00 |
| Other Assets | 5,732.00 | 7,557.00 | 12,509.00 | 8,850.00 | 6,736.00 | 8,211.00 | 5,375.00 | 4,824.00 | 3,754.00 | 1,920.00 | 2,085.00 | 2,341.00 |
| Total Assets | 6,177.00 | 8,008.00 | 12,870.00 | 9,186.00 | 6,864.00 | 8,346.00 | 5,942.00 | 4,898.00 | 3,764.00 | 1,929.00 | 2,100.00 | 2,352.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 506.00 | 3,783.00 | -2,327.00 | -2,053.00 | 820.00 | -1,618.00 | -54.00 | -650.00 | -1,855.00 | -59.00 | 114.00 | -182.00 |
| Cash from Investing Activity | 178.00 | -200.00 | -257.00 | -178.00 | 45.00 | 514.00 | -485.00 | -59.00 | -6.00 | -1.00 | -10.00 | -7.00 |
| Cash from Financing Activity | -1,171.00 | -3,761.00 | 3,159.00 | 2,317.00 | -1,272.00 | 2,181.00 | 447.00 | 752.00 | 1,673.00 | 315.00 | -128.00 | 222.00 |
| Net Cash Flow | -487.00 | -179.00 | 575.00 | 86.00 | -407.00 | 1,077.00 | -92.00 | 43.00 | -188.00 | 255.00 | -24.00 | 33.00 |
| Free Cash Flow | 505.00 | 3,770.00 | -2,350.00 | -2,065.00 | 809.00 | -1,630.00 | -58.00 | -657.00 | -1,860.00 | -62.00 | 104.00 | -190.00 |
| CFO/OP % | -137.00 | -874.00 | -155.00 | -492.00 | 179.00 | -264.00 | -4.00 | -77.00 | -342.00 | -38.00 | 91.00 | -92.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|
Corporate Actions
2 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Rights | 24 Jul 2025 | 24 Jul 2025 | 10:41 | — | |
| Other | 24 Jul 2025 | 24 Jul 2025 | — | — | Right Issue of Equity Shares |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update2 Jul from care
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Rating update15 Jun from crisil
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Rating update11 Jun from icra
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Rating update24 Apr from icra
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Rating update14 Jan from crisil
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Rating update18 Dec 2025 from care