| Revenue growth | AUM grew 12% QoQ; yield improved to 22.8%. |
|---|---|
| Margins | NIMs contracted to 9.9% due to prior high borrowing costs. |
| Demand visibility | Strong rural demand; added 1.2 lakh new borrowers this quarter. |
| Management confidence | Balanced; focused on stabilizing the new book and tech migration. |
Growth
AUM grew 12% QoQ to ₹4,420 Cr; new book (post-April 2025) now constitutes 80% of portfolio.
Outlook
Targeting ₹6,500 Cr AUM by FY27 and 7 lakh new borrowers annually.
Risks
High lender overlap (4.8% with 3+ lenders) and seasonal El Nino/fertilizer impacts on rural borrowers.
Earnings Call filed with NSE, NSE: SPANDANA. Summary written with AI assistance from the document.
Spandana Sphoorty Financial Ltd: key numbers
- Share price
- ₹225.53
- Market cap
- ₹1,804 Cr
- Revenue (annual)
- ₹1,024 Cr
- Net profit (annual)
- ₹-699.1 Cr
- P/E (TTM)
- -5.5×Sector 22.0×
- Promoter holding
- 48.16%+0.00% QoQ
- FII holding
- 19.29%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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Spandana reports strong Q1 FY27 growth with AUM up 11% QoQ, driven by improved collection efficiency and falling borrowing costs. Management is pivoting toward individual loans and geographic expansion in Tamil Nadu and Maharashtra.