Spandana Sphoorty Financial Limited
NSE: SPANDANA · Microfinance Institutions
Snapshot
Unlock Spandana Sphoorty Financial Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Spandana Sphoorty Financial Limited is a microfinance institution providing credit solutions to low-income households in semi-urban and rural India. Its product portfolio includes income generation loans, loans against property, gold loans, and personal loans tailored for business and household needs.
Business Model
The company operates through a network of approximately 982 branches, generating revenue primarily through interest income on micro-credit and secured loan products. It focuses on serving the unbanked and underbanked segments by facilitating financial inclusion for income-generating activities.
- Branch Network:982
Growth Outlook
Growth is driven by the expansion of its microfinance footprint and the diversification of its loan book into secured products like gold loans and loans against property. The company continues to leverage its extensive rural branch network to capture increasing demand for credit in semi-urban markets.
Key Risks
- Credit Risk. The company is exposed to high credit risk due to the nature of its low-income borrower base, which may be susceptible to economic shocks.
- Regulatory Risk. Microfinance institutions in India are subject to stringent and evolving regulatory oversight by the Reserve Bank of India regarding interest rate caps and lending practices.
- Geographic Concentration. Operational reliance on specific rural and semi-urban regions makes the company vulnerable to localized natural disasters or regional economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its price-sensitive customer base.
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Key Metrics
REVENUE
₹1,007 Cr
TTM · consolidated
NET PROFIT
₹-327 Cr
TTM · consolidated
EPS
₹-42.49
TTM · consolidated
RETURN ON EQUITY
-13.7%
TTM · consolidated
P/E
-5.6x
Q1 FY27 · consolidated
EBITDA MARGIN
7.4%
TTM · consolidated
NET PROFIT MARGIN
4.2%
Q1 FY27 · consolidated
Peers · Microfinance Institutions
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Spandana Sphoorty Financial LimitedSPANDANA | ₹1,710 Cr | -5.64 | — | -48.5% | 7.4% | -13.7% | — | -9.0% |
CreditAccess Grameen Ltd.CREDITACC | ₹23,125 Cr | 19.08 | — | 11.9% | 57.1% | 16.4% | 24.0% | +6.4% |
Muthoot Microfin LimitedMUTHOOTMF | ₹3,500 Cr | 14.02 | — | 0.8% | 51.0% | 8.9% | — | +21.9% |
Fusion FinanceFUSION | ₹3,285 Cr | 19.77 | — | -17.0% | 37.3% | 8.2% | — | +19.7% |
Satin Creditcare Network LimitedSATIN | ₹2,439 Cr | 5.93 | — | 20.5% | 57.0% | 15.2% | 89.1% | +50.7% |
As of Q1 FY27
Financials
Spandana Sphoorty Financial Limited
NSE: SPANDANA · Microfinance Institutions
Snapshot
Unlock Spandana Sphoorty Financial Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Spandana Sphoorty Financial Limited is a microfinance institution providing credit solutions to low-income households in semi-urban and rural India. Its product portfolio includes income generation loans, loans against property, gold loans, and personal loans tailored for business and household needs.
Business Model
The company operates through a network of approximately 982 branches, generating revenue primarily through interest income on micro-credit and secured loan products. It focuses on serving the unbanked and underbanked segments by facilitating financial inclusion for income-generating activities.
- Branch Network:982
Growth Outlook
Growth is driven by the expansion of its microfinance footprint and the diversification of its loan book into secured products like gold loans and loans against property. The company continues to leverage its extensive rural branch network to capture increasing demand for credit in semi-urban markets.
Key Risks
- Credit Risk. The company is exposed to high credit risk due to the nature of its low-income borrower base, which may be susceptible to economic shocks.
- Regulatory Risk. Microfinance institutions in India are subject to stringent and evolving regulatory oversight by the Reserve Bank of India regarding interest rate caps and lending practices.
- Geographic Concentration. Operational reliance on specific rural and semi-urban regions makes the company vulnerable to localized natural disasters or regional economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its price-sensitive customer base.
Start your research today
Unlock AI insights, financials, peers and live data on Spandana Sphoorty Financial Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,007 Cr
TTM · consolidated
NET PROFIT
₹-327 Cr
TTM · consolidated
EPS
₹-42.49
TTM · consolidated
RETURN ON EQUITY
-13.7%
TTM · consolidated
P/E
-5.6x
Q1 FY27 · consolidated
EBITDA MARGIN
7.4%
TTM · consolidated
NET PROFIT MARGIN
4.2%
Q1 FY27 · consolidated
Peers · Microfinance Institutions
As of Q1 FY27