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 27.2
  • Book Value ₹ 492
  • Dividend Yield 0.00 %
  • ROCE 14.4 %
  • ROE 14.8 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.74 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 6.26% 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

Consolidated Figures in Rs. Crores / View Standalone

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 396 346 287 250 298 355 498 512 610 626 676 710 686
Interest 150 139 108 97 91 121 149 200 228 250 249 259 258
316 149 151 461 132 156 242 164 240 231 281 398 731
Financing Profit -71 58 28 -307 74 78 107 148 142 145 145 52 -303
Financing Margin % -18% 17% 10% -123% 25% 22% 22% 29% 23% 23% 22% 7% -44%
1 4 12 9 12 20 35 16 30 31 34 27 20
Depreciation 1 2 3 2 2 3 4 3 5 6 7 4 5
Profit before tax -72 59 38 -301 84 96 139 161 168 170 172 75 -289
Tax % -18% 24% 24% -27% 35% 26% 24% 26% 25% 25% 25% 26% -25%
-59 45 29 -220 55 71 106 119 125 127 129 56 -216
EPS in Rs -9.00 6.99 4.12 -30.98 7.77 10.05 14.87 16.82 17.61 17.90 18.04 7.81 -30.34
Gross NPA % 7.37% 5.31% 2.07% 1.63% 1.40% 1.61% 1.50% 2.60% 4.86%
Net NPA % 3.84% 2.52% 0.64% 0.49% 0.42% 0.48% 0.30% 0.53% 0.99%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 587 1,043 1,435 1,483 1,463 1,401 2,424 2,698
Interest 232 360 360 426 542 460 930 1,017
67 208 482 872 832 989 913 1,641
Financing Profit 288 475 593 185 89 -48 581 40
Financing Margin % 49% 46% 41% 12% 6% -3% 24% 1%
0 5 34 23 17 76 110 112
Depreciation 6 7 9 8 9 11 20 22
Profit before tax 283 473 618 200 97 18 671 129
Tax % 34% 34% 43% 27% 28% 30% 25%
188 312 352 145 70 12 501 95
EPS in Rs 63.16 52.29 54.65 22.55 10.05 1.73 70.22 13.41
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 18%
3 Years: 18%
TTM: 37%
Compounded Profit Growth
10 Years: %
5 Years: 10%
3 Years: 51%
TTM: -77%
Stock Price CAGR
10 Years: %
5 Years: -21%
3 Years: -5%
1 Year: -62%
Return on Equity
10 Years: %
5 Years: 8%
3 Years: 6%
Last Year: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 30 60 64 64 69 71 71 71
Reserves 216 1,830 2,562 2,685 2,943 3,028 3,573 3,435
3,477 2,968 3,025 5,373 3,772 6,074 9,425 7,849
42 75 326 455 292 209 313 194
Total Liabilities 3,764 4,932 5,977 8,577 7,076 9,383 13,383 11,549
8 27 34 38 31 47 52 55
CWIP 0 0 0 0 0 0 0 0
Investments 0 0 487 2 2 189 112 110
3,756 4,905 5,456 8,537 7,043 9,146 13,218 11,384
Total Assets 3,764 4,932 5,977 8,577 7,076 9,383 13,383 11,549

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1,855 -573 -35 -1,754 863 -2,171 -2,707
-4 -33 -487 482 36 -175 86
1,673 650 434 2,348 -1,307 2,433 3,205
Net Cash Flow -186 44 -89 1,076 -408 86 585

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 29% 16% 5% 2% 0% 15%

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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