| Management target | Revenue FY28 |
|---|
| Revenue growth | AUM up 10% QoQ to ₹5,364 Cr. |
|---|---|
| Margins | NIM improved to 13.6% from 12.5% QoQ. |
| Demand visibility | Strong borrower acquisition at 1.5 lakh new customers. |
| Management confidence | Cautiously optimistic; focusing on risk categorization in stressed states. |
Growth
AUM grew 10% QoQ to ₹5,364 Cr; new customer share at 65%.
Outlook
Management targets ₹10,000 Cr AUM by March 2028 with 3.5-4% ROA.
Risks
El Nino impact in Maharashtra/Karnataka; GNPA reduction aided by ₹31 Cr ARC sale.
Last quarter's promises, checked
Delivered
- Rights issue: ₹200Cr balance due by Q-end → ₹400Cr completed (= BEAT)
- Opex: absolute ~₹675Cr FY27 guided, ratio to AUM falling → ratio reduction reported (= BEAT)
Partly delivered
- Yield: ~25.25% ideal, marginal rise → 24.9% (= PARTIAL)
- Net credit cost ~2% FY27 → ARC sale aided; no ratio disclosed (= PARTIAL)
- FY27 AUM exit >₹6,000Cr → ₹5,364Cr at mid-year, in progress (= PARTIAL)
Earnings Call Transcript filed with NSE, NSE: SPANDANA. Summary written with AI assistance from the document.
Spandana Sphoorty Financial Ltd: key numbers
- Share price
- ₹189.06
- Market cap
- ₹1,512 Cr
- Revenue (annual)
- ₹1,024 Cr
- Net profit (annual)
- ₹-699.1 Cr
- P/E (TTM)
- -4.6×Sector 19.8×
- 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 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
Spandana Sphoorty Financial Investor Presentation: Key Takeaways
Q2 FY27 PAT ₹18 Cr (PBT ₹37 Cr) on AUM ₹5,364 Cr (+10% QoQ). NIM rose to 13.6%, GNPA fell to 2.54%, and the turnaround continued.
Spandana Sphoorty Financial Results Update
Spandana Sphoorty reported Q2 FY27 PAT of Rs.18 Crore and PPOP of Rs.79 Crore in its press release. AUM rose 10% QoQ to Rs.5,364 Crore.
Spandana Sphoorty Financial Q2 FY27 Results: Turns Profitable, Net Profit ₹18.2 Cr
Spandana Sphoorty Financial Ltd reported revenue from operations of ₹324.9 Cr (+41.5% YoY) and net profit of ₹18.2 Cr for Q2 FY27.
- Key figure
- Net profit ₹18.2 Cr
Spandana Sphoorty Financial Debt & Borrowing: ₹0.49 Cr
Spandana paid ₹0.49 Crore of quarterly interest on its secured NCDs on 27 October 2026. The coupon rate is 10.75% on a ₹50 Crore issue.
- Value
- ₹0.49 Cr
Spandana Sphoorty Financial Debt & Borrowing: ₹121.2 Cr
Spandana Sphoorty redeemed Rs.121.25 Crore of principal on its listed secured NCDs (ISIN INE572J07810) on October 25, 2026. Rs.363.75 Crore remains outstanding after the partial redemption.
- Value
- ₹121.2 Cr