Skip to main contentAI and Advanced
/
SPANDANA · NSEBSE SENSEX74,314.59-0.03%BSE |
NIFTY 5023,270.6+0.23%NSE |
NIFTY BANK56,055.75-0.42%NSE |
NIFTY IT29,155.6+0.23%NSE |
NIFTY AUTO27,159.15+0.99%NSE |
NIFTY FMCG45,572.7+0.03%NSE |
NIFTY PHARMA26,579.25+1.66%NSE |
NIFTY 50022,654.65+0.54%NSE |
SP
NSE · Equity shares · Consumer Financial Services2.15 · 0.95%
Spandana Sphoorty Financial SPANDANA
NSE:INR 227.95
BSE:INR 226.8
Data quality and coveragePrice, company fundamentals and optional research feeds are tracked separately.
Headline priceLast market snapshot
Company fundamentalsStale · last-known data
Research sections9 of 9 availableMissing source values remain unavailable, never zero-filled.
AI analysis and Advanced tools for SPANDANA
Analysis, reports, chat and Advanced access use the same Rusaka Markets account. The backend remains authoritative for roles, subscriptions, credits and permissions.
Snapshot
Price and key statistics
Reported and computed values remain separate; missing values are not converted to zero.
Previous closeINR 225.8
Day rangeINR 223.81 — INR 231.2
52-week rangeINR 181.1 — INR 319.7
Volume55,272
Market cap2,072.41
P/ENot available
Fundamental highlightsReported values unless marked as computed
Revenue (INR Cr)993.26
Net Income (INR Cr)-699.09
Rev Growth (5 Year %)-7.7
Book Value295.72
EPS-30.02
Price/BV0.77Computed
Research path: Interpret Spandana Sphoorty Financial's snapshot alongside the wider market dashboard, the financial-statement research guide and the valuation-ratios field guide.
Validated OHLC
Interactive price chart
Crosshair, OHLCV tooltip, indicators, volume, zoom and pan use the same candle API as the advanced workspace.
SPANDANASpandana Sphoorty Financial1d · INR · NSE
Loading validated candles…
Auditable calculations
Daily technical summary
Calculated from validated daily candles. Descriptive research only.
Calculating technicals…
Indicators describe price behaviour and volatility; they are not a BUY, NEUTRAL or SELL recommendation.
Company reporting
Financial statements
IND AS · INR crore
| Metric | 2026 | 2025 | 2024 |
|---|---|---|---|
| Total Liabilities Shareholders' Equity | 6,246.37 | 8,493.53 | 13,382.53 |
| Cash Equivalents | 1,274.7 | 25.89 | 590.32 |
| Other Liabilities Total | 151.89 | 75.99 | 77.34 |
| Long Term Debt | 3,942.73 | 1,493.14 | 3,113.68 |
| Common Stock Total | 79.97 | 71.31 | 71.3 |
| Total Assets | 6,246.37 | 8,493.53 | 13,382.53 |
| Total Equity | 2,129.39 | 2,633.06 | 3,644.6 |
| Long Term Investments | 113.51 | 195.41 | 124.44 |
| Retained Earnings(Accumulated Deficit) | 2,049.42 | 368.31 | 1,384.09 |
| Total Common Shares Outstanding | 7.13 | 7.5 | 7.5 |
| Tangible Book Valueper Share Common Eq | 295.72 | 348.45 | 483.14 |
| Goodwill Net | 17.39 | 17.39 | 17.39 |
| Total Liabilities | 4,116.98 | 5,860.47 | 9,737.93 |
| Total Debt | 3,942.73 | 5,668.39 | 9,435.61 |
| Cashand Short Term Investments | 1,274.7 | 1,235.97 | 1,398.29 |
| Total Receivables Net | 118.87 | 128.31 | 76.45 |
| Property/Plant/Equipment Total-Net | 18.28 | 31.24 | 29.99 |
| Minority Interest | 0.18 | 0.23 | 0.29 |
| Accounts Payable | 11.12 | 8.97 | Not available |
| Other Currentliabilities Total | 11.06 | 75.73 | 181.25 |
| Total Long Term Debt | 3,942.73 | 1,505.9 | 3,124.68 |
| Other Assets Total | 137.21 | 141.36 | 41.02 |
| Intangibles Net | 3.33 | 2.98 | 5 |
| Other Long Term Assets Total | 702.58 | 997.18 | 615.9 |
| Note Receivable-Long Term | 3,860.5 | 5,743.69 | 11,074.05 |
| Accumulated Depreciation Total | Not available | -68.94 | -54.95 |
| Accrued Expenses | Not available | 31.16 | 43.44 |
| Other Equity Total | Not available | -3.06 | Not available |
| Current Portof LT Debt/Capital Leases | Not available | 4,162.49 | 6,310.93 |
| Additional Paid-In Capital | Not available | 2,241.08 | 2,240.43 |
| Cash | Not available | 1,210.08 | 807.97 |
| Property/Plant/Equipment Total-Gross | Not available | 100.17 | 84.94 |
| Notes Payable/Short Term Debt | Not available | 0 | 0 |
| Unrealized Gain(Loss) | Not available | -44.58 | -51.22 |
| Capital Lease Obligations | Not available | 12.76 | 11 |
| Total Inventory | Not available | Not available | 0 |
Fundamentals
Valuation and ratios
Growth
Debt 5Yr CAGR %-6.06
Margins
Operating Margin 12m-49.35
Operating Margin 5y Avg17.43
Net Profit Margin 12m-70.39
Net Profit Margin 5y-13.37
Yield
Dividend Yield %0
Valuation
Price to Sale Ratio2.09
Risk and consensus
Source-qualified signals
Risk metrics
Overall RiskHigh risk
Board Risk48.52
Analyst consensus
ConsensusHold
Consensus score3.00
Analyst opinions4
Strong Sell count0
Sell count1
Hold count2
Buy count1
Strong Buy count0
Provider consensus uses a 1 (Strong Buy) to 5 (Strong Sell) score. The payload does not include price targets, so none are inferred from 52-week prices or recommendation percentages.Industry context
Peer comparison
Only peers present in the company profile payload are displayed.
| Company | Price | Market cap | P/E | Research |
|---|---|---|---|---|
| Bajaj Finance | INR 1,060 | 6.59 L | 25.01 | — |
| Shriram Finance | INR 1,052.25 | 2.47 L | 13.87 | — |
| Jio Financial Services | INR 234.75 | 1.55 L | 95.47 | — |
| Tata Capital | INR 346.3 | 1.47 L | 20.47 | — |
| Power Finance Corporation | INR 411.5 | 1.36 L | 5.42 | — |
Shareholding
Ownership
- Promoter
- 48.16%
- FII
- 19.29%
- MF
- 0.77%
- Other
- 31.78%
Company intelligence
Latest relevant news
Source, timestamp and external destination are shown. Provider relevance scores are not available.
Buy or sell: Vaishali Parekh recommends three intraday stocks to buy today — 22 July 2026Market news · 22 Jul 2026, 7:55 am
Buy or sell: Vaishali Parekh recommends three intraday stocks to buy today — Cummins India, Hubtown, and Spandana Sphoorty Financial
Spandana Sphoorty Rights Issue: Check issue price, record date, entitlement ratio and other detailsMarket news · 18 Jul 2025, 6:32 pm
Spandana Sphoorty Financial announced a rights issue to raise up to ₹ 400 crore by issuing 17,391,304 partly paid-up equity shares. The issue opens on August 1, 2025, and closes on August 11, 2025, with a record date of July 24, 2025.
Spandana Sphoorty share price jumps nearly 40% in 2 days; should you buy?Market news · 8 Jan 2025, 10:50 am
Spandana Sphoorty Financial share price surged 15% in morning trade on January 8, following a 20% increase the previous day.
HDFC Bank, SBI Cards, Tata Steel and more: InCred lists 24 high conviction picks for JuneMarket news · 6 Jun 2024, 1:33 pm
Incred Equities releases 24 high conviction picks post election results, sees upside in Globus Spirits, BCL Industries, Spandana Sphoorty Financial, Cyient DLM, Skipper.
Q4 results today: UltraTech Cement, PNB Housing, Poonawalla Fincorp among 35 companies to report Q4 earnings on April 29Market news · 29 Apr 2024, 7:53 am
Q4 results today: UltraTech Cement, Trent, UCO Bank, KPIT Technologies, Poonawalla Fincorp, Tata Chemicals, Gillette India, PNB Housing Finance, Birlasoft, KFin Technologies, Can Fin Homes, Shoppers Stop, Spandana Sphoorty Financial, among others will announce their Q4 earnings today.
Spandana Q1 Results: Net profit jumps to <span class='webrupee'>₹</span>119 crore; NII up by 102%Market news · 24 Jul 2023, 4:45 pm
Spandana Q1 Results: The total income of the Spandana Sphoorty Financial Limited jumped 104% (YoY) to ₹ 527 crore during Q1FY24 from ₹ 259 crore
Corporate actions
Events
- board MeetingsQuarterly Results
- board MeetingsInter-alia, to consider 1. Proposal of Raising funds through issuance of non-convertible debentures, as permitted under applicable law(s), subject to receipt of regulatory/statutory approvals
- board MeetingsInter-alia to consider and approve, the issue and offer of Non-Convertible Debentures on private placement basis.
- board MeetingsQuarterly Results
- annual General MeetingPOM
- board MeetingsQuarterly Results
- board MeetingsInter-alia to consider and approve, the issue and offer of Non-Convertible Debentures on private placement basis.
- annual General MeetingAGM
Rusaka Markets Community
Discussion and sentiment for Spandana Sphoorty Financial
Posts are linked to the canonical company record. Community BUY, NEUTRAL and SELL opinions are user-generated, moderated and separate from analyst consensus and Rusaka Markets AI.
Checking your Rusaka Markets account…
Company profile
Business information
What the company does
Spandana Sphoorty Financial Limited is an India-based rural-focused non-banking financial company. The Company is a microfinance lender (NBFC-MFI) with a geographically diversified presence in India. It offers loans under the joint liability group (JLG) model, to women from low-income households in rural areas. The Company's product categories include JLG-based microfinance, Loan Against Property (LAP), Nano Enterprise Loans, and Individual Loans. Its JLG-based micro-loans are its flagship product and specifically designed for women entrepreneurs. Its LAP is designed to cater to small entrepreneurs, which includes acquiring equipment, renovating, or expanding office space. Its Nano Enterprise Loans are specifically for micro and small business owners, providing unsecured financing. Its Individual Loans cater to small entrepreneurs and individuals. Its products include Chetana, Consumer Durable Loan, Unnati, and Water Sanitation & Hygiene Loan.
Company facts
- Industry
- Consumer Financial Services
- Sector
- Consumer Financial Services
- NSE Code
- SPANDANA
- BSE Code
- 542759
Questions
Stock FAQ
What is the symbol and ISIN of Spandana Sphoorty Financial?
Spandana Sphoorty Financial has the symbol SPANDANA and ISIN - INE572J01011.
What is the current price of Spandana Sphoorty Financial?
Spandana Sphoorty Financial is currently trading at INR 227.95.
What are the year high and year low of Spandana Sphoorty Financial?
Spandana Sphoorty Financial has a year high of INR 319.70 and a year low of INR 181.10.
What is the market capitalization of Spandana Sphoorty Financial?
Spandana Sphoorty Financial has a market capitalization of INR 2,072.41 crore.
What is the P/E ratio of Spandana Sphoorty Financial?
Spandana Sphoorty Financial has a P/E ratio of NA.
What is the dividend yield of Spandana Sphoorty Financial?
Spandana Sphoorty Financial has a dividend yield of 0.00%.
How is the financial performance of Spandana Sphoorty Financial based on revenue, net income, and EPS?
Spandana Sphoorty Financial has revenue of INR 993.26 crore, net income of INR -699.09 crore, and EPS of INR -30.08.
What is the book value of Spandana Sphoorty Financial?
Spandana Sphoorty Financial has a book value of INR 295.72.
What is the debt-to-equity ratio of Spandana Sphoorty Financial?
Spandana Sphoorty Financial has a debt-to-equity ratio of NA.
What are the price-to-book and price-to-sales ratios of Spandana Sphoorty Financial?
Spandana Sphoorty Financial has a price-to-book ratio of 0.77 and a price-to-sales ratio of 2.09.
Corporate-action adjustment is provider-defined. Rusaka Markets research and computed indicators are not investment advice.