ALFA Finder| Margins | NIM expanded to 12.5% from 9.9% QoQ due to lower borrowing costs. |
|---|---|
| Order book | AUM at ₹4,887 Cr; New book is 91% of total AUM. |
| Demand visibility | Steady disbursement pace driven by new member additions. |
Growth
AUM grew 11% QoQ to ₹4,887 Cr; PAT reached ₹12 Cr from ₹5 Cr QoQ.
Outlook
Targeting portfolio expansion in Maharashtra and Tamil Nadu; launching individual loan book and affordable LAP.
Risks
High credit concentration in top 5 states (59%); legacy portfolio delinquency risks remain.
Last quarter's promises, checked
Delivered
- Guided individual loan launch Q1/Q2 FY27 → launched in Q1 FY27 (= BEAT)
- Guided PAT 'in the black' → delivered ₹12 Cr (= BEAT)
- Guided Opex reduction → delivered ₹155 Cr from ₹161 Cr QoQ (= BEAT)
Partly delivered
- Guided AUM growth to ₹6,500 Cr by FY27 → delivered ₹4,887 Cr (= PARTIAL)
Investor Presentation filed with NSE, NSE: SPANDANA. Summary written with AI assistance from the document.
Spandana Sphoorty Financial Ltd: key numbers
- Share price
- ₹187.90
- Market cap
- ₹1,503 Cr
- Revenue (annual)
- ₹1,024 Cr
- Net profit (annual)
- ₹-699.1 Cr
- P/E (TTM)
- -25.2×Sector 21.0×
- 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