SPANDANA
Spandana Sphoorty Financial Limited (SPANDANA) Stock Analysis
Spandana Sphoorty Financial Limited is a microfinance institution providing group loans to women entrepreneurs in rural India. It operates under NBFC-MFI regulations with presence across multiple states. The company focuses on financial inclusion with secured group lending models. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹211.10
-2.43% 1W | -14.50% 52W
Market Cap
1.9k CR
P/E Ratio
–
52W High
₹319.4
52W Low
₹181.1
Div. Yield
0%
Beta
0.3
50 DMA
₹239
200 DMA
₹245.6
Profit Margin
-116.2%
Inst. Own.
7.6%
📊 ANALYZING TREND
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 512 | 610 | 626 | 676 | 710 | 682 | 552 | 415 | 300 | 230 | 234 | 260 | 284 |
| Interest | 200 | 228 | 250 | 249 | 259 | 258 | 229 | 185 | 154 | 120 | 109 | 126 | 132 |
| Expenses | 164 | 240 | 231 | 281 | 398 | 727 | 922 | 804 | 627 | 443 | 258 | 139 | 151 |
| Financing Profit | 148 | 142 | 145 | 145 | 52 | -303 | -600 | -575 | -480 | -333 | -133 | -5 | 1 |
| Financing Margin % | 29% | 23% | 23% | 22% | 7% | -44% | -109% | -139% | -160% | -145% | -57% | -2% | 0% |
| Other Income | 16 | 30 | 31 | 34 | 27 | 20 | 18 | 4 | 4 | 10 | 11 | 17 | 19 |
| Depreciation | 3 | 5 | 6 | 7 | 4 | 5 | 6 | 7 | 4 | 4 | 4 | 4 | 3 |
| Profit before tax | 161 | 168 | 170 | 172 | 75 | -289 | -588 | -578 | -481 | -327 | -125 | 8 | 18 |
| Tax % | 26% | 25% | 25% | 25% | 26% | -25% | -25% | -25% | -25% | -24% | -24% | 34% | 32% |
| Net Profit | 119 | 125 | 127 | 129 | 56 | -216 | -440 | -434 | -360 | -249 | -95 | 5 | 12 |
| EPS in Rs | 13.53 | 14.16 | 14.40 | 14.50 | 6.28 | -24.39 | -49.63 | -48.96 | -40.61 | -28.11 | -10.71 | 0.59 | 1.34 |
| Gross NPA % | 1.63% | 1.40% | 1.61% | 1.50% | 2.60% | 4.86% | 4.85% | 5.63% | 5.49% | 5.60% | 4.20% | 3.80% | 3.60% |
| Net NPA % | 0.49% | 0.42% | 0.48% | 0.30% | 0.53% | 0.99% | 0.98% | 1.19% | 1.15% | 1.20% | 0.90% | 0.70% | 0.70% |
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 587 | 1,043 | 1,435 | 1,483 | 1,463 | 1,401 | 2,401 | 2,355 | 1,024 | 1,007 |
| Interest | 232 | 360 | 360 | 426 | 542 | 460 | 930 | 936 | 511 | 487 |
| Expenses | 67 | 208 | 482 | 872 | 832 | 989 | 890 | 2,844 | 1,465 | 991 |
| Financing Profit | 288 | 475 | 593 | 185 | 89 | -48 | 581 | -1,425 | -952 | -470 |
| Financing Margin % | 49% | 46% | 41% | 12% | 6% | -3% | 24% | -61% | -93% | -47% |
| Other Income | 0 | 5 | 34 | 23 | 17 | 76 | 110 | 69 | 42 | 58 |
| Depreciation | 6 | 7 | 9 | 8 | 9 | 11 | 20 | 23 | 16 | 15 |
| Profit before tax | 283 | 473 | 618 | 200 | 97 | 18 | 671 | -1,379 | -925 | -427 |
| Tax % | 34% | 34% | 43% | 27% | 28% | 30% | 25% | -25% | -24% | |
| Net Profit | 188 | 312 | 352 | 145 | 70 | 12 | 501 | -1,035 | -699 | -327 |
| EPS in Rs | 50.80 | 42.02 | 43.93 | 18.13 | 8.09 | 1.39 | 56.44 | -116.70 | -78.87 | -36.89 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | -10.0% | -7.0% | – |
Shareholding Pattern
Promoters48.13%
FIIs19.80%
DIIs5.65%
Public26.43%
Promoters48.16%
FIIs20.26%
DIIs6.12%
Public25.48%
Promoters48.16%
FIIs20.35%
DIIs5.78%
Public25.72%
Promoters48.16%
FIIs19.89%
DIIs5.78%
Public26.16%
Promoters48.16%
FIIs19.29%
DIIs5.68%
Public26.87%
Promoters63.00%
FIIs20.24%
DIIs8.43%
Public8.32%
Promoters59.75%
FIIs21.79%
DIIs10.53%
Public7.92%
Promoters48.13%
FIIs19.83%
DIIs6.45%
Public25.59%
Promoters48.16%
FIIs19.89%
DIIs5.78%
Public26.16%
Promoters48.16%
FIIs19.29%
DIIs5.68%
Public26.87%
SPANDANA
Holdings Analysis
Key strengths & risk signals
37
Overall
35
Fundamental
39
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
WEAK POSITION! Current price (211.1) is below both moving averages.
WEAK YEAR! Stock declined 14.5% in the last year.
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.4% (1 week), 9.3% (1 month), 31.0% (3 months).
Strengths (2)
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 32.0 - watch for reversal.
Fundamental & Technical Analysis
37Overall
35Fundamental
39Technical
Fundamental Breakdown
Growth Quality
4/30
Revenue CAGR: -10.3% (DECLINING, 2/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
2/10
LOW MARGIN! -116.2% profit margin - thin profits.
PEG Valuation
0/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 2.15 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 7.92% public ownership - strong promoter/institutional control.
Stability Index
4/10
CAREFUL! Company does not have stable profit track. 3 loss-making quarters detected.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (239.0) is below 200-day average (245.6) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (211.1) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
2/10
WEAK YEAR! Stock declined 14.5% in the last year.
Volume Sentiment
10/30
BEARISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 86,511 vs down days: 115,752. Ratio: 0.75x
RSI
4/5
APPROACHING OVERSOLD! RSI at 32.0 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 21.7% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.4% (1 week), 9.3% (1 month), 31.0% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
SPANDANA
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-31 | Concall PDF | |
| Q2FY262026-01-31 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SPANDANA | ₹211.10 | – | -116.2% | -10.3% | – | -14.5% | 37 | BREAKDOWN | -103.3% | +124.5% | -1.2% | +20.9% |
| ARMANFIN | ₹1,694.20 | 15.4 | 30.8% | 14.7% | -15.5% | +11.2% | 51 | BREAKDOWN | -409.6% | +10.2% | +31.7% | +15.8% |
| PFS | ₹26.60 | 7.7 | 63.4% | -15.8% | 22.0% | -24.6% | 58 | HIT RESISTANCE | -70.6% | -11.6% | -33.9% | -19.4% |
| SATIN | ₹223.90 | 6 | 25.3% | 23.5% | 310.2% | +52.1% | 71 | CONSOLIDATING DOWN | +172.1% | -24.3% | +16.5% | +13.0% |
| UGROCAP | ₹79.90 | 5.6 | 24.0% | 42.4% | 63.8% | -55.3% | 64 | APPROACHING SUPPORT | +99.1% | +32.9% | +27.5% | -8.3% |
| FEDDERSHOL | ₹59.80 | 14 | 25.5% | 42.3% | 64.0% | +50.6% | 75 | CONSOLIDATING DOWN | -34.5% | -54.4% | -11.0% | -48.6% |
| FUSION | ₹164.00 | 16 | 19.6% | -1.6% | -67.0% | -12.5% | 47 | APPROACHING SUPPORT | -167.7% | -45.4% | -5.1% | +7.7% |
| MUFIN | ₹130.40 | 63 | 41.1% | 82.6% | 51.6% | +51.9% | 82 | APPROACHING SUPPORT | +300.0% | +26.1% | +57.4% | +19.5% |
Data from TradeAlone · Updated daily
