Spandana Sphoorty Financial Limited (SPANDANA) fundamentals
Spandana Sphoorty Financial Limited is a listed company in Finance, part of the Financial Services sector, listed on the NSE as SPANDANA (ISIN INE572J01011). This page carries its reported financials, balance sheet, cash flow, shareholding pattern and valuation ratios.
What Spandana Sphoorty Financial Limited does
Spandana Sphoorty Financial Limited is an India-based rural-focused Non-Banking Financial Company and a microfinance lender (NBFC-MFI). It offers income-generating loans under the joint liability group (JLG) model (Chetana), predominantly to women from low-income households in rural areas. Its product categories include JLG-based microfinance, Individual Loans, Nano Enterprise Loans, and Loan Against Property (LAP). The JLG-based micro-loans are its flagship product. Its Individual Loans cater to small entrepreneurs and individuals. Its Nano Enterprises Loans are custom-designed, providing unsecured financing. Its LAP is offered through its subsidiary, Criss Financial Ltd. Its LAP is designed to cater to small entrepreneurs, which includes acquiring equipment, renovating or expanding office space. Its products include Chetana, Consumer Durable Loan, Unnati, and Water Sanitation & Hygiene Loan. Its Chetana product offers flexible repayment-weekly/monthly with no prepayment penalty.
Valuation and market data
| Last close | ₹235.37 |
|---|---|
| Market capitalisation | ₹1,808 crore |
| Enterprise value | ₹4,515 crore |
| P/E (TTM) | 0.00 |
| Price to book | 0.85 |
| Price to sales (TTM) | 1.79 |
| Book value per share | ₹277.21 |
| Dividend yield | 0.00% |
| Sector | Financial Services |
| Industry | Finance |
| Listed since | Mon Aug 19 |
Annual results
| Period | Revenue | Profit before tax | Net profit | EPS |
|---|---|---|---|---|
| Mar 2026 | ₹1,066 crore | ₹-925 crore | ₹-699 crore | -91.01 |
| Mar 2025 | ₹2,424 crore | ₹-1,379 crore | ₹-1,035 crore | -145.17 |
| Mar 2024 | ₹2,511 crore | ₹671 crore | ₹501 crore | 70.42 |
| Mar 2023 | ₹1,477 crore | ₹18 crore | ₹12 crore | 1.74 |
| Mar 2022 | ₹1,480 crore | ₹97 crore | ₹70 crore | 10.75 |
Figures are as reported (consolidated), in ₹ crore.
Shareholding pattern
As of Jun 2026:
| Promoters | 48.2% |
|---|---|
| Foreign institutions (FII) | 19.3% |
| Mutual funds | 0.8% |
| Other domestic institutions | 4.9% |
| Retail and others | 26.9% |
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Data is sourced from exchange filings and vendor feeds and is for research, not investment advice. Figures can be restated by the company after publication.