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SPANDANA Stock Chart & Stats
₹261.35
₹4.05(1.55%)
At close: 4:00 PM EDT
₹261.35
₹4.05(1.55%)
Day’s Range― - ―
52-Week Range₹175.00 - ₹319.70
Previous CloseN/A
Volume349.47K
Average Volume (3M)8.62K
Market Cap
₹17.19B
Enterprise Value₹42.03B
Total Cash (Recent Filing)₹0.00
Total Debt (Recent Filing)₹0.00
Price to Earnings (P/E)―
Beta1.83
Next Earnings
Oct 30, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-42.49
Shares Outstanding88,639,500
10 Day Avg. Volume11,807
30 Day Avg. Volume8,618
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)0.66
Price to Sales (P/S)1.33
P/FCF Ratio-1.09
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)12.27
Revenue Forecast (FY)₹8.17B
Bulls Say, Bears Say
Bulls Say
Underserved-market FocusSpandana operates in a structurally relevant segment by providing small-ticket credit to underserved households. Group-based, collateral-free lending supports financial inclusion and gives the company a defined market niche that can remain relevant beyond short-term economic cycles.
Debt ReductionMeaningful debt reduction from the FY2024 peak indicates progress in balance-sheet deleveraging despite continuing financial pressure. Lower absolute borrowings can improve funding flexibility and reduce financial strain if management sustains this direction while rebuilding profitability.
Historical Earnings CapacityThe strong FY2024 profit and approximately 22.6% net margin show that the business has previously generated substantial earnings from its lending model. Although subsequent losses weaken current confidence, this history indicates an established operating model with potential earnings capacity.
Bears Say
Sharp Profitability DeteriorationThe shift from strong FY2024 profitability to deep losses in FY2025 and FY2026 indicates a severe deterioration in earnings quality. Persistent negative operating performance reduces retained capital, weakens resilience, and makes a durable recovery dependent on reversing significant cost or credit pressures.
Negative Cash GenerationRepeatedly negative operating and free cash flow limits the company’s ability to fund lending activity and obligations internally. This raises reliance on external funding and liquidity management, while sustained cash burn can constrain growth and amplify the impact of further operating weakness.
Elevated Leverage And Impaired EquityLeverage remains high even after debt reduction, and declining equity reflects the balance-sheet impact of recent losses. The combination leaves less capital protection against additional deterioration and can restrict strategic flexibility until profitability and returns on equity recover.
Spandana Sphoorty Financial Ltd. News
SPANDANA FAQ
What was Spandana Sphoorty Financial Ltd.’s price range in the past 12 months?
Spandana Sphoorty Financial Ltd. lowest stock price was ₹175.00 and its highest was ₹319.70 in the past 12 months.
What is Spandana Sphoorty Financial Ltd.’s market cap?
Spandana Sphoorty Financial Ltd.’s market cap is ₹17.19B.
When is Spandana Sphoorty Financial Ltd.’s upcoming earnings report date?
Spandana Sphoorty Financial Ltd.’s upcoming earnings report date is Oct 30, 2026 which is today.
How were Spandana Sphoorty Financial Ltd.’s earnings last quarter?
Spandana Sphoorty Financial Ltd. released its earnings results on Jul 23, 2026. The company reported ₹1.5 earnings per share for the quarter, beating the consensus estimate of ₹0.4 by ₹1.1.
Is Spandana Sphoorty Financial Ltd. overvalued?
According to Wall Street analysts Spandana Sphoorty Financial Ltd.’s price is currently Overvalued.
Does Spandana Sphoorty Financial Ltd. pay dividends?
Spandana Sphoorty Financial Ltd. does not currently pay dividends.
What is Spandana Sphoorty Financial Ltd.’s EPS estimate?
Spandana Sphoorty Financial Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Spandana Sphoorty Financial Ltd. have?
Spandana Sphoorty Financial Ltd. has 88,639,500 shares outstanding.
What happened to Spandana Sphoorty Financial Ltd.’s price movement after its last earnings report?
Spandana Sphoorty Financial Ltd. reported an EPS of ₹1.5 in its last earnings report, beating expectations of ₹0.4. Following the earnings report the stock price went up 2.494%.
Which hedge fund is a major shareholder of Spandana Sphoorty Financial Ltd.?
Currently, no hedge funds are holding shares in IN:SPANDANA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Spandana Sphoorty Financial Ltd.
Spandana Sphoorty Financial Limited operates as a microfinance institution throughout India, providing essential financial services. The company offers a wide array of loan products, including income generation loans specifically designed for low-income households. Its offerings encompass personal loans for diverse needs such as business development, purchasing livestock, or funding home construction and renovations. Furthermore, Spandana Sphoorty furnishes loans secured by property, gold loans to support agriculture, business ventures, and immediate liquidity requirements, alongside general business and interim financing options. A key focus is also placed on providing loans for women, enabling them to expand their income-generating activities, manage household cash flows more effectively, and acquire productive assets. Serving low-income customers predominantly in semi-urban and rural areas, the company maintains an extensive network of approximately 982 branches. Spandana Sphoorty Financial Limited was established in 1998 and is headquartered in Hyderabad, India.
Technical Analysis
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