Spandana Sphoorty Financial Ltd is a Credit Services company listed on NSE. The page combines exchange quotes, financial statements, shareholding, filings, and news so investors can review the business in one place.
Spandana Sphoorty Financial Ltd makes money through Interest income, Fees and commissions, Treasury and investment income in Credit Services. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within NBFC & Finance.
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| Period | FY26 | FY25 | FY24 | FY23 |
|---|---|---|---|---|
| Sales | ₹965 Cr | ₹2,194 Cr | ₹2,216 Cr | |
| Expenses | ₹1,271 Cr | ₹1,817 Cr | ₹1,559 Cr | |
| Operating Profit | ₹-306 Cr | ₹378 Cr | ₹657 Cr | |
| OPM % | -31.7% | 17.2% | 29.6% | |
| Other Income | ₹42 Cr | ₹69 Cr | ₹110 Cr | |
| Depreciation | ₹16 Cr | ₹23 Cr | ₹20 Cr | |
| Interest | ₹0 Cr | ₹1 Cr | ₹1 Cr | |
| Profit Before Tax | ₹-925 Cr | ₹-1,379 Cr | ₹671 Cr | |
| Tax | ₹-226 Cr | ₹-344 Cr | ₹170 Cr | |
| Net Profit | ₹-699 Cr | ₹-1,035 Cr | ₹501 Cr | |
| EPS (₹) | 0.0 | -145.2 | 66.0 | |
| Dividend Payout % | 0% | 0% | 0% |
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| Quarter | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ||||||||
| Expenses | ₹242 Cr | ₹164 Cr | ₹240 Cr | ₹231 Cr | ||||||||
| Operating Profit | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ||||||||
| OPM % | 0.0% | 0.0% | 0.0% | 0.0% | ||||||||
| Depreciation | ₹4 Cr | ₹3 Cr | ₹5 Cr | ₹6 Cr | ||||||||
| Interest | ₹149 Cr | ₹200 Cr | ₹228 Cr | ₹250 Cr | ||||||||
| Net Profit | ₹106 Cr | ₹119 Cr | ₹125 Cr | ₹127 Cr | ||||||||
| EPS (₹) | 12.0 | 13.5 | 14.2 | 14.4 |
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| Period | FY26 | FY25 | FY24 | FY23 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Liabilities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity Capital | ₹80 Cr | ₹71 Cr | ₹71 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reserves | ₹2,049 Cr | ₹-347 Cr | ₹687 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Borrowings | ₹3,943 Cr | ₹5,656 Cr | ₹9,425 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Other Liabilities | ₹174 Cr | ₹205 Cr | ₹313 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ₹4,117 Cr | ₹5,860 Cr | ₹9,738 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fixed Assets | ₹18 Cr | ₹31 Cr | ₹30 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Investments | ₹505 Cr | ₹768 Cr | ₹400 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Receivables | ₹0 Cr | ₹0 Cr | ₹0 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Inventory | ₹0 Cr | ₹0 Cr | ₹0 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash & Equivalents | ₹769 Cr | ₹1,236 Cr | ₹1,398 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Other Assets | ₹4,953 Cr | ₹6,458 Cr | ₹11,554 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Assets | ₹6,246 Cr | ₹8,494 Cr | ₹13,383 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Period | Operating | Investing | Financing | Net Cash Flow |
|---|---|---|---|---|
| FY26 | ₹882 Cr | ₹165 Cr | ₹-1,514 Cr | ₹-466 Cr |
| FY25 | ₹3,681 Cr | ₹-132 Cr | ₹-3,712 Cr | ₹-162 Cr |
| FY24 | ₹-2,679 Cr | ₹-172 Cr | ₹3,435 Cr | ₹585 Cr |
| FY23 | ||||
| Mar 2019 | ||||
| Mar 2020 | ||||
| Mar 2021 | ||||
| Mar 2022 | ||||
| Mar 2023 | ||||
| Mar 2024 | ||||
| Mar 2025 | ||||
| Mar 2026 |
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No dividend history available.
No corporate actions recorded.
| Company | M.Cap | P/E | ROE | 1Y Return |
|---|---|---|---|---|
| Bajaj Finance Ltd | ₹5,66,107 Cr | 29.9 | +17.91% | -1.62% |
| Shriram Finance Ltd | ₹2,20,601 Cr | 17.6 | +16.38% | +14.11% |
| JIOFINANCIAL | ₹1,53,893 Cr | 96.7 | +1.21% | -12.76% |
| Indian Railway Finance Corporation Ltd | ₹1,29,378 Cr | 18.5 | +12.9% | -18.67% |
| HDFC Asset Management Company Ltd | ₹1,15,819 Cr | 40.7 | +32.93% | -1.40% |
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