Every earnings call for SPANDANA — management tone, guidance, KPIs and promise tracking, quarter by quarter.
SPANDANA · 5 transcripts · Financial Services · latest Q4 FY26Spandana Sphoorty Financial Limited has 5 earnings calls on record here, a Financial Services company, most recently Q4 FY26. Each quarter is scored on revenue, margins, guidance delivery and the questions management left unanswered — so the gap between what was promised and what was delivered is easy to read.
PAT ₹5 cr; PBT ₹8 cr; AUM ₹4,400 cr. PAT of INR5 crores, a significant turnaround from a loss of INR95 crores in Q3 FY26.
Read full transcript & analysisAUM (post write-off) ₹3,948 cr; NIM 11.1%; Standalone GNPA 2.6%. New book (post-SRO guardrails, from Apr 1, 2025) now 58% of AUM, expected to reach 90% by FY26 end, with 99.8% collection efficiency.
Read full transcript & analysisAUM (post write-off, Dec 31) ₹3,948 cr; NIM (Q3) 11.1%; Standalone GNPA 2.6%. New book (sourced from April 1, 2025) constitutes 58% of overall book, with 99.8% collection efficiency as of December.
Read full transcript & analysisAUM (Q1 end) ₹4,958 cr; GNPA 5.49%. Successfully closed INR 400 crore rights issue, improving CRAR to 46% from 40.8% at June end.
Read full transcript & analysisAUM ₹6,819 cr (−43% YoY); NIM 12.8%; Standalone GNPA 4.85%. Net loss of ₹1,035 crores for FY25 due to higher provisions.
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