SPANDANA Spandana Sphoorty Financial Q3 FY26 results (Oct–Dec 2025) and concall
Spandana Sphoorty Financial Limited reported a mixed Q3 FY26, achieving a positive Pre-Provisioning Operating Profit of ₹8 crores after several quarters. The company saw strong performance in its new book with 99.8% collection efficiency and a 27% QoQ jump in disbursements to ₹1,188 crores. Asset quality improved significantly with standalone GNPA reducing to 2.6% and NNPA to 0.5%. However, the quarter ended with a net loss of ₹95 crores due to write-offs and a one-off labor code cost, and the subsidiary Criss Financial continues to face asset quality challenges. Strategic initiatives include
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What they filed
Q3 FY26: revenue down 57.6%, net profit up 78.4% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 682 | 552 | 415 | 300 | 230 −66% | 234 −58% |
| Net profit | -216 | -440 | -434 | -360 | -249 −15% | -95 +78% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
