Spandana Sphoorty Financial Ltd
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.
- Market Cap ₹ 5,293 Cr.
- Current Price ₹ 742
- High / Low ₹ 1,243 / 678
- Stock P/E 10.6
- Book Value ₹ 511
- Dividend Yield 0.00 %
- ROCE 14.4 %
- ROE 14.8 %
- Face Value ₹ 10.0
Pros
- 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.
- 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|
Revenue | 587 | 1,043 | 1,435 | 1,483 | 1,463 | 1,401 | 2,424 |
Interest | 232 | 360 | 360 | 426 | 542 | 460 | 927 |
67 | 208 | 482 | 872 | 832 | 989 | 916 | |
Financing Profit | 288 | 475 | 593 | 185 | 89 | -48 | 581 |
Financing Margin % | 49% | 46% | 41% | 12% | 6% | -3% | 24% |
0 | 5 | 34 | 23 | 17 | 76 | 110 | |
Depreciation | 6 | 7 | 9 | 8 | 9 | 11 | 20 |
Profit before tax | 283 | 473 | 618 | 200 | 97 | 18 | 671 |
Tax % | 34% | 34% | 43% | 27% | 28% | 30% | 25% |
188 | 312 | 352 | 145 | 70 | 12 | 501 | |
EPS in Rs | 63.16 | 52.29 | 54.65 | 22.55 | 10.05 | 1.74 | 70.22 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 18% |
3 Years: | 18% |
TTM: | 73% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 10% |
3 Years: | 51% |
TTM: | 3957% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 2% |
1 Year: | 6% |
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 | |
---|---|---|---|---|---|---|---|
Equity Capital | 30 | 60 | 64 | 64 | 69 | 71 | 71 |
Reserves | 216 | 1,830 | 2,562 | 2,685 | 2,943 | 3,028 | 3,573 |
Preference Capital | 1,145 | 0 | 0 | 0 | 0 | 0 | |
2,331 | 2,968 | 3,025 | 5,373 | 3,772 | 6,074 | 9,425 | |
1,188 | 75 | 326 | 455 | 292 | 209 | 313 | |
Total Liabilities | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 |
8 | 27 | 34 | 38 | 31 | 47 | 52 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 0 | 0 | 487 | 2 | 2 | 189 | 112 |
3,756 | 4,905 | 5,456 | 8,537 | 7,043 | 9,146 | 13,218 | |
Total Assets | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 |
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% |
Documents
Announcements
- Board Meeting Intimation for Meeting Of The Management Committee Of The Board Of The Company Is Scheduled To Be Held On Friday, July 05, 2024 1d
- Disclosure Under Regulation 30 Read With Regulation 31A Of The SEBI (LODR) Regulations, 2015 - Receipt Of Request For Re-Classification From The Promoter 29 Jun
- Closure of Trading Window 28 Jun
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Announcement under Regulation 30 (LODR)-Allotment
28 Jun - Allotment of Non-convertible Debenture on private placement basis.
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Announcement under Regulation 30 (LODR)-Credit Rating
24 Jun - Of Credit Rating- rating upgraded to IND A+/Stable by India Rating and Research
Annual reports
Concalls
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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.