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Swing Capital

Spandana Sphoorty Financial Ltd

NSE: SPANDANA BSE: 542759

Spandana Sphoorty Financial is primarily engaged in the business of micro finance providing small value unsecured loans to low-income customers in semi-urban and rural areas.

₹258
52W: ₹181 — ₹306
PE 0 · Book ₹247 · +4% vs book
Market Cap₹2,055 Cr
Stock P/E—Price to Earnings
ROCE5.04%Return on Capital
ROE25.9%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Company has reduced debt.
  • +Stock is trading at 1.05 times its book value

Weaknesses

  • −Company has low interest coverage ratio.
  • −The company has delivered a poor sales growth of -8.89% over past five years.
  • −Company has a low return on equity of -12.6% over last 3 years.
  • −Promoter holding has decreased over last 3 years: -14.8%

Shareholding Pattern

Promoters48.16%
FIIs19.89%
DIIs5.78%
Public26.16%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters56.85%55.84%▼1.048.13%▼7.748.13%48.13%48.16%▲0.048.16%48.16%
FIIs22.83%22.64%▼0.221.71%▼0.919.83%▼1.919.8%▼0.020.26%▲0.520.35%▲0.119.89%▼0.5
DIIs8.96%7.33%▼1.66.3%▼1.06.45%▲0.25.65%▼0.86.12%▲0.55.78%▼0.35.78%
Public11.35%14.19%▲2.823.86%▲9.725.59%▲1.726.43%▲0.825.48%▼0.925.72%▲0.226.16%▲0.4

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses217.23254.65370.09678.13834.03744.79560.6379.12218.55120.27
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit118.27122.251.29-203.93-393.89-410.19-328.91-218.07-82.545.49
EPS ₹13.3613.785.78-22.99-44.41-46.24-37.08-24.59-9.310.62

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 5.78% (-2.65pp change). FIIs: 19.89% (-1.36pp change). Promoters hold 48.16%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

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