| Revenue growth | Total income +42% YoY, +12% QoQ |
|---|---|
| Margins | NIM 13.6% (+111 bps QoQ); COB 12.3% (-48 bps) |
| Demand visibility | Disbursement ₹1,481 Cr, +8% QoQ |
Growth
Total income ₹340 Cr, +42% YoY and +12% QoQ. PAT ₹18 Cr, up 53% QoQ; H1 PAT ₹30 Cr vs prior-year loss of ₹609 Cr.
Outlook
No explicit numeric guidance given. CFL merger progressing as planned; shift to ₹5-15L micro-LAP tickets; new LOS in pilot.
Risks
Q2 tax includes ₹7.9 Cr DTA derecognition from CFL merger. PAR 30+ at 3.1%; micro-LAP book under restructuring.
Last quarter's promises, checked
Delivered
- Guided X-bucket CE ≥99.5% → delivered 99.6% (= BEAT)
- Guided further cost-of-funds decline from 12.8% → delivered 12.3% (= BEAT)
- Guided new LOS UAT by end-Q2 → delivered pilot stage (= BEAT)
Partly delivered
- Guided ~11% QoQ AUM growth sustained → delivered 10% QoQ (= PARTIAL)
Investor Presentation 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 19.1×
- 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 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
Spandana Sphoorty Financial Debt & Borrowing: ₹4.48 Cr
Spandana Sphoorty paid Rs.4.48 Crore monthly interest on NCDs (ISIN INE572J07810) on October 25, 2026. The payment services listed secured debentures and is a debt event.
- Value
- ₹4.48 Cr