| 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
- ₹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 a turnaround in Q1 FY27 with PAT of ₹12 Cr and 11% QoQ AUM growth to ₹4,887 Cr. Focus remains on improving asset quality and reducing borrowing costs.