| 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
- ₹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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