ALFA Finder| Revenue growth | Yield improved to 24.6%; AUM up 11% QoQ. |
|---|---|
| Margins | NIM improved to 12.5% as borrowing costs fell 70bps. |
| Demand visibility | High; expanding into underserved markets like Tamil Nadu. |
| Management confidence | Balanced; focused on execution and risk mitigation for El Niño. |
Growth
AUM grew 11% QoQ to ₹4,887 Cr; PAT rose to ₹12 Cr from ₹5 Cr. New book share reached 91%.
Outlook
AUM target of ₹6,000+ Cr for FY27 exit and ~₹10,000 Cr by March 2028. Individual loan pilot underway.
Risks
El Niño related agricultural stress in specific districts; heavy concentration in top 5 states (60% AUM).
Last quarter's promises, checked
Delivered
- Guided AUM growth → delivered ₹4,887 Cr (11% QoQ) (= BEAT)
- Guided PAT in the black → delivered ₹12 Cr (= BEAT)
- Guided individual loan pilot by Q1/Q2 FY27 → delivered pilot launched in 8 branches (= BEAT)
Partly delivered
- Guided exit AUM ₹6,500 Cr for FY27 → Current run-rate ₹4,887 Cr (= PARTIAL)
Earnings Call Transcript filed with BSE, 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