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Spandana Sphoorty Financial Ltd.
(SPANDANA)
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Rating:41Neutral
Price Target:
₹207.00
▼(-20.80% Downside)
Action:Reiterated
Date:07/25/26
The score is driven primarily by weak financial performance—sharp profitability deterioration, declining revenue, and persistently negative operating/free cash flow—alongside still-elevated leverage. Technicals are mixed with near-term weakness and oversold signals, while valuation remains unattractive/uncertain due to negative earnings and no dividend yield data.
Positive Factors
Debt reduction
Meaningful debt reduction from the FY2024 peak indicates some progress in balance-sheet deleveraging. If maintained, lower borrowings could improve funding flexibility and reduce financial strain, although leverage remains elevated and losses continue to impair equity.
Negative Factors
Severe profitability deterioration
The shift from a strong FY2024 profit to deep losses in FY2025 and FY2026 shows a major deterioration in earnings quality and stability. Persistently negative operating performance can weaken capital, restrict reinvestment, and make recovery dependent on reversing cost and credit pressures.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt reduction
Meaningful debt reduction from the FY2024 peak indicates some progress in balance-sheet deleveraging. If maintained, lower borrowings could improve funding flexibility and reduce financial strain, although leverage remains elevated and losses continue to impair equity.
Read all positive factors
Spandana Sphoorty Financial Ltd. (SPANDANA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹19.19B
Dividend YieldN/A
Average Volume (3M)15.09K
Price to Earnings (P/E)―
Beta (1Y)1.79
Revenue Growth-46.58%
EPS Growth78.01%
CountryIN
Employees9,405
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-42.49
Shares Outstanding88,639,500
10 Day Avg. Volume8,818
30 Day Avg. Volume15,092
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)11.93
Revenue Forecast (FY)₹8.85B
Spandana Sphoorty Financial Ltd. Business Overview & Revenue Model
Company Description
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-...
How the Company Makes Money
Spandana Sphoorty Financial Ltd. makes money primarily by earning interest income and fees from its loan portfolio. The core revenue stream is interest charged on microfinance loans disbursed to customers; as borrowers repay principal and interest...
Spandana Sphoorty Financial Ltd. Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
38
Negative
Cash Flow
16
Very Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.86B | 10.66B | 21.60B | 22.16B | 12.68B | 13.85B |
| Gross Profit | 12.28B | 10.50B | 6.85B | 8.83B | 5.52B | 6.17B |
| EBITDA | -8.14B | -9.09B | -13.55B | 6.92B | 296.70M | 4.91B |
| Net Income | -3.27B | -6.99B | -10.35B | 5.01B | 123.10M | 694.68M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 62.46B | 84.94B | 133.83B | 93.83B | 70.76B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 12.75B | 20.04B | 17.98B | 10.93B | 11.33B |
| Total Debt | 0.00 | 39.43B | 56.56B | 94.25B | 60.74B | 37.72B |
| Total Liabilities | -21.30B | 41.17B | 58.60B | 97.38B | 62.83B | 39.86B |
| Stockholders Equity | 21.30B | 21.29B | 26.33B | 36.45B | 30.99B | 30.88B |
Cash Flow | ||||||
| Free Cash Flow | 13.27B | -12.96B | -12.98B | -27.33B | -21.84B | 8.49B |
| Operating Cash Flow | 13.30B | -12.92B | -12.76B | -27.07B | -21.71B | 8.63B |
| Investing Cash Flow | 1.24B | 23.39B | 48.28B | 863.90M | -1.75B | 362.18M |
| Financing Cash Flow | -21.86B | -15.14B | -37.12B | 32.05B | 24.33B | -13.07B |
Spandana Sphoorty Financial Ltd. Technical Analysis
Negative
261.35
Price Trends
242.91
Negative
255.30
Negative
248.64
Negative
Market Momentum
-6.26
Positive
30.30
Neutral
20.29
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SPANDANA, the sentiment is Negative. The current price of 261.35 is above the 20-day moving average (MA) of 229.76, above the 50-day MA of 242.91, and above the 200-day MA of 248.64, indicating a bearish trend. The MACD of -6.26 indicates Positive momentum. The RSI at 30.30 is Neutral, neither overbought nor oversold. The STOCH value of 20.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:SPANDANA.
Spandana Sphoorty Financial Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
67 Neutral | ₹24.99B | 6.11 | ― | ― | 20.59% | 225.35% | |
63 Neutral | ₹198.87B | 16.33 | ― | 0.76% | 11.47% | 522.19% | |
56 Neutral | ₹26.03B | 62.71 | ― | 0.02% | 29.63% | 83.95% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹29.71B | 29.46 | ― | ― | 5.19% | ― | |
51 Neutral | ₹18.57B | 15.89 | ― | 0.33% | <0.01% | 1773.87% | |
41 Neutral | ₹19.19B | -5.10 | ― | ― | -46.58% | 78.01% |
* General Sector Average
IN:SPANDANA
Spandana Sphoorty Financial Ltd.
216.50
-44.20
-16.95%
IN:ARMANFIN
Arman Financial Services Limited
1,761.25
248.90
16.46%
IN:CREDITACC
CreditAccess Grameen Ltd.
1,238.90
-159.75
-11.42%
IN:MUFIN
Mufin Green Finance Limited
131.35
43.57
49.64%
IN:MUTHOOTMF
Muthoot Microfin Ltd
174.25
4.95
2.92%
IN:SATIN
Satin Creditcare Network Ltd
227.20
79.30
53.62%
Spandana Sphoorty Financial Ltd. Corporate Events
Spandana Sphoorty issues first and final call on partly paid shares
Aug 22, 2026
Spandana Sphoorty Financial Ltd. has issued a first and final call notice to holders of partly paid-up equity shares, with eligibility determined based on a record date of August 19, 2026. The company announced that it has published newspaper adve...
Spandana Sphoorty sets record date for final call on partly paid rights shares
Aug 5, 2026
Spandana Sphoorty Financial Ltd. said its board has approved the first and final call of ₹115 per partly paid-up rights equity share, including ₹5 toward face value and ₹110 as premium, on outstanding shares with a face value of ...
Spandana Sphoorty Sets Virtual AGM for August 18, 2026
Jul 25, 2026
Spandana Sphoorty Financial Limited has announced that its Twenty-Third Annual General Meeting will be held on August 18, 2026, at 11:30 a.m. IST through video conferencing and other audio-visual means, in line with regulatory guidelines from the ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.