ALFA Finder| 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
- ₹198.74
- Market cap
- ₹1,589 Cr
- Revenue (annual)
- ₹1,024 Cr
- Net profit (annual)
- ₹-699.1 Cr
- P/E (TTM)
- -26.7×Sector 20.8×
- Promoter holding
- 48.16%+0.00% QoQ
- FII holding
- 17.85%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Spandana Sphoorty Financial Ltd
All →Spandana Sphoorty Financial Capital Structure Change
Spandana issued a reminder for ₹4.93 Crore First and Final Call on 4,29,107 unpaid shares. Payment deadline: November 27, 2026; late payers risk forfeiture.
- Value
- ₹4.93 Cr
Spandana Sphoorty Financial Adverse Business Impact
Cyber fraud debited ₹7.80 crore from Spandana Sphoorty's bank account on November 1, 2026. The company has reported to authorities and filed an insurance claim.
- Value
- ₹7.80 Cr
Spandana Sphoorty Financial Debt & Borrowing: ₹12.5 Cr
Spandana Sphoorty partially redeemed Rs 12.50 Crore of its listed secured NCDs on 31 October 2026 by face-value redemption. Rs 200 Crore remains outstanding.
- Value
- ₹12.50 Cr
Spandana Sphoorty Financial Debt & Borrowing: ₹2.71 Cr
Spandana Sphoorty paid monthly interest of Rs 2.71 Crore across two listed secured NCD series on 30 October 2026, on time. Series-wise amounts were Rs 2.01 Crore and Rs 0.70 Crore.
- Value
- ₹2.71 Cr
Spandana Sphoorty Financial Earnings Call Transcript: Key Takeaways
Spandana shows operational recovery with AUM crossing ₹5,000 Cr, but masks stress via ARC sales.
Spandana Sphoorty Financial Other Announcement
CARE's quarterly monitoring report found no deviation in Spandana's rights issue proceeds. No proceeds were utilised during the quarter, with funds held in escrow.
- Execution
- Issue period August 01, 2025 to March 31, 2027