Spandana Sphoorty Financial Limited
NSE: SPANDANAMarket Closed • NSE
Day range
52 week range
Spandana Sphoorty Financial Limited closed at INR211.08 (+0.95%) on volume 0.59x its 20-day average, trading 33.91% below its 52-week high.
2026-Q2
Q2 FY2026 Financial Results
PAT moved +125.4% QoQ
2025-07-24
RIGHTS Announced
Rights 10:41 @ Premium Rs 220/-
Revenue and PAT bars use independent scales to make their year-on-year direction readable.
Complete reported financial history · Values use the company's reporting currency
Hover over the chart for exact reported values. Percentage lines use the right-hand axis.
A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.
Strengths
Established operational history in the sector
Active institutional participation
Risks
Elevated Leverage Burden: Debt-to-Equity stands at 1.85x
Bull case
Market Leadership: Established operational scale in Credit Services.
Bear case
Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.
Flip condition
Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.
Ownership distribution
Category trends
Hover over a period for exact holdings
Complete dividend, bonus, split, rights and other action history
| Record date | Corporate action | Information | Announcement date | Ex-date |
|---|---|---|---|---|
| 24 Jul 2025 | Rights issue | Rights 10:41 @ Premium Rs 220/- | — | 24 Jul 2025 |
Traded volume and delivery percentage across the latest 20 sessions
Compare valuation, latest quarterly performance and year-on-year growth
| Company name | Market cap ₹ Cr | P/E ratio | Dividend yield % | Quarterly sales ₹ Cr | Profit after tax ₹ Cr | Sales growth % | Profit growth % |
|---|---|---|---|---|---|---|---|
 HDFC Bank LimitedHDFCBANK Open analysis | ₹10.90L | 15.46 | 1.88% | ₹46,355.55 | ₹19,059.72 | -45.69% | +17.23% |
 ICICI Bank LimitedICICIBANK Open analysis | ₹9.73L | 17.52 | 0.89% | ₹32,960.41 | ₹16,276.00 | -35.98% | +12.59% |
 State Bank of IndiaSBIN Open analysis | ₹8.85L | 10.28 | 1.85% | ₹62,915.13 | ₹25,121.00 | -29.09% | +13.56% |
 Bajaj Finance LimitedBAJFINANCE Open analysis | ₹5.97L | 29.48 | 0.56% | ₹13,929.00 | ₹6,081.00 | +17.62% | +27.62% |
 Life Insurance Corporation of IndiaLICI Open analysis | ₹4.99L | 8.30 | 2.64% | ₹2.40L | ₹13,584.00 | +6.76% | +24.00% |
 Kotak Mahindra Bank LimitedKOTAKBANK Open analysis | ₹4.39L | 21.62 | 0.15% | ₹11,266.63 | ₹5,480.00 | -41.22% | +22.54% |
 Axis Bank LimitedAXISBANK Open analysis | ₹3.92L | 14.16 | 0.08% | ₹21,381.52 | ₹7,114.00 | -3.52% | +22.53% |
 Bajaj Finserv Ltd.BAJAJFINSV Open analysis | ₹2.78L | 27.54 | 0.08% | ₹42,036.90 | — | +39.05% | — |
Spandana Sphoorty Financial is primarily engaged in the business of micro finance providing small value unsecured loans to low-income customers in semi-urban and rural areas.
IndiaFinancial Services
Is Spandana Sphoorty Financial Limited Shariah compliant?
Spandana Sphoorty Financial Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (185.14%) exceeds AAOIFI threshold (≤ 33%).
What is Spandana Sphoorty Financial Limited's current valuation relative to peers?
Spandana Sphoorty Financial Limited trades at a P/E of N/A compared to the sector median of 17.1x, and a Price-to-Book of 0.8x.
Is the company financially healthy?
The company has a Debt-to-Equity ratio of 1.85x. Interest coverage is comfortable.
What are the historical revenue and profit growth rates?
Over the past 5 years, revenue compounded at steady rates while net profit growth averaged consistent levels.
Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.
Market data may be delayed. Quote date: 2026-10-09. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.