Spandana Sphoorty Financial Ltd

Spandana Sphoort Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Spandana Sphoorty Financial Ltd

₹ 365 0.03%
22 Nov - close price
spandanasphoorty.com BSE: 542759 NSE: SPANDANA
About

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.

Key Points

Registered Finance company Spandana Sphoorty Financial Ltd is registered as a NBFC-MFI with the Reserve Bank of India (RBI). They are recognized as India's largest Microfinance Institution in terms of PAT and the sixth largest across the globe.

Website BSE NSE
  • Market Cap ₹ 2,601 Cr.
  • Current Price ₹ 365
  • High / Low ₹ 1,243 / 361
  • Stock P/E 29.6
  • Book Value ₹ 480
  • Dividend Yield 0.00 %
  • ROCE 14.2 %
  • ROE 14.2 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.76 times its book value
  • Company is expected to give good quarter

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -1.02%
  • Company has a low return on equity of 5.77% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of Nifty Microcap 250 BSE SmallCap BSE Allcap BSE Financial Services Nifty Total Market

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 372 328 263 232 281 340 475 487 584 591 637 663 640
Interest 143 132 102 92 88 118 146 195 223 241 239 246 245
300 144 148 451 127 141 202 155 231 217 261 370 682
Financing Profit -71 52 13 -311 66 81 127 137 131 133 138 47 -287
Financing Margin % -19% 16% 5% -134% 24% 24% 27% 28% 22% 23% 22% 7% -45%
0 3 12 8 12 15 30 15 30 30 32 26 19
Depreciation 1 2 3 2 2 3 4 3 5 6 7 4 5
Profit before tax -72 53 23 -305 76 94 153 149 156 158 164 69 -272
Tax % -18% 24% 19% -27% 35% 26% 24% 25% 25% 25% 25% 26% -25%
-59 40 18 -223 50 69 116 111 116 118 122 51 -204
EPS in Rs -9.14 6.17 2.64 -31.39 6.98 9.76 16.37 15.65 16.36 16.62 17.14 7.19 -28.60
Gross NPA % 17.70% 1.95% 1.49% 1.27% 1.50% 1.43% 2.60% 4.88%
Net NPA % 0.64% 0.45% 0.38% 0.45% 0.29% 0.52% 0.97%
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 258 280 303 345 378 587 1,036 1,409 1,444 1,376 1,329 2,300 2,532
Interest 6 100 112 129 150 232 358 357 419 515 447 900 970
1,427 113 104 219 196 67 207 477 860 803 919 861 1,530
Financing Profit -1,174 67 87 -4 32 288 471 575 164 58 -37 539 32
Financing Margin % -455% 24% 29% -1% 9% 49% 45% 41% 11% 4% -3% 23% 1%
14 1 22 251 22 0 5 32 21 15 66 107 108
Depreciation 3 3 3 4 8 6 7 9 7 9 11 20 21
Profit before tax -1,163 64 106 243 46 283 469 598 178 65 18 626 119
Tax % 0% 0% 1% 0% -873% 34% 34% 44% 27% 28% 32% 25%
-1,163 64 105 243 443 188 309 337 129 47 12 468 88
EPS in Rs -599.88 33.18 51.57 119.35 155.86 63.17 51.77 52.35 20.05 6.75 1.74 65.62 12.35
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 23%
5 Years: 17%
3 Years: 17%
TTM: 34%
Compounded Profit Growth
10 Years: 22%
5 Years: 9%
3 Years: 54%
TTM: -79%
Stock Price CAGR
10 Years: %
5 Years: -21%
3 Years: -5%
1 Year: -62%
Return on Equity
10 Years: %
5 Years: 7%
3 Years: 6%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 19 19 20 20 28 30 60 64 64 69 71 71 71
Reserves -970 -924 -864 -627 -2 216 1,827 2,544 2,652 2,887 2,972 3,485 3,355
1,983 1,596 1,831 1,710 1,834 3,477 2,945 3,016 5,197 3,631 5,934 9,012 7,331
1,545 1,482 1,365 997 68 42 67 317 433 276 208 301 176
Total Liabilities 2,577 2,173 2,352 2,100 1,929 3,764 4,898 5,942 8,346 6,864 9,186 12,870 10,932
7 4 6 14 9 8 9 16 20 14 29 32 30
CWIP 0 0 6 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 2 65 550 115 115 306 329 327
2,571 2,169 2,341 2,085 1,920 3,754 4,824 5,375 8,211 6,736 8,850 12,509 10,575
Total Assets 2,577 2,173 2,352 2,100 1,929 3,764 4,898 5,942 8,346 6,864 9,186 12,870 10,932

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-143 173 -182 114 -59 -1,855 -650 -54 -1,618 820 -2,053 -2,503
8 50 -7 -10 -1 -6 -59 -485 514 45 -178 -10
-207 -320 222 -128 315 1,673 752 447 2,181 -1,272 2,317 3,089
Net Cash Flow -342 -97 33 -24 255 -188 43 -92 1,077 -407 86 575

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 138% 29% 15% 5% 2% 0% 14%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
62.29% 62.62% 63.59% 63.03% 63.01% 63.00% 62.41% 60.41% 59.89% 59.75% 56.85% 55.84%
10.20% 12.19% 12.66% 13.13% 19.59% 20.24% 21.25% 18.74% 19.05% 21.79% 22.83% 22.64%
4.55% 4.22% 4.11% 8.41% 8.89% 8.43% 8.43% 13.02% 13.45% 10.53% 8.96% 7.33%
22.96% 20.97% 19.63% 15.43% 8.51% 8.32% 7.92% 7.82% 7.62% 7.92% 11.35% 14.19%
No. of Shareholders 25,48229,33626,57519,61417,77617,13018,95520,70625,87035,70448,59673,889

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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