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Spandana Sphoorty Financial share price & results

Spandana Sphoorty Financial Limited· Financial Services

Results to
Jun 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

NBFC-MFI lending to rural women via JLG group loans, plus secured loans through subsidiary Criss Financial.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue284 ₹ crore−5.3% YoYQuarterly, as filedQuarter to Jun 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Jun 2026Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit12.0 ₹ crore—Quarterly, as filedQuarter to Jun 2026Profit after tax as filed. The year-earlier figure was zero or a loss, so no percentage is shown.
Return on equity-13.73 %+3.6 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)-48.28 %−54.6 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Jun 2026

Guidance

What management said, and what became of it

8 of 15 judged targets kept · 21 open · verdicts reflect calls analysed to Q1 FY27.

Spandana Sphoorty Financial Limited management guidance track record on Inve: 36 targets tracked across analysed earnings calls (8 achieved, 7 missed, 21 open).

TargetOriginal wordingSaidLatest callVerdict
X-bucket Collection EfficiencyIt has to be 99.5%... So, 99.5% is what we would like to maintain going forward.
Call transcript, Q4 FY26 · 5 May 2026		Q4 FY26Q1 FY27:The company reported X-bucket collection efficiency of exactly 99.5% in Q1 FY27, meeting the target.
Call transcript, Q1 FY27 · 24 Jul 2026		Achieved
Subsidiary Mergermerge our subsidiary, which is the Criss Financial... might take about 6 to 9 months, but hopefully that should get completed within the coming financial year.
Call transcript, Q3 FY26 · 27 Jan 2026		Q3 FY26Q1 FY27:No update was provided on the merger progress during the Q1 FY27 earnings call.
Call transcript, Q1 FY27 · 24 Jul 2026		Ghosted
NPA Recovery RateSo, we are aiming for anywhere between Rs. 20 crores to Rs. 25 crores a month.
Call transcript, Q3 FY26 · 27 Jan 2026		Q3 FY26Q1 FY27:Collected ₹51 crores in Q1 (avg. ₹17 cr/month), below the target range. Management acknowledged that achieving ₹20 cr/month 'looks a little tough'.
Call transcript, Q1 FY27 · 24 Jul 2026		At Risk

Source: Inve Guidance Tracker for Spandana Sphoorty Financial Limited · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

7 of Spandana Sphoorty Financial Limited's 36 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 33 more targets are in the full ledger.

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Price

₹184.12 +0.80% · +₹1.46

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance −25.5% 1Y

₹200₹250₹300Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q3 FY26 — 27 Jan 2026Q4 FY26 — 5 May 2026Q1 FY27 — 24 Jul 2026

1Y: ₹247.25 on 24 Oct 2025 → ₹184.12. High ₹310.55 (6 Jul 2026), low ₹178.18 (23 Oct 2026).

Previous close
₹182.66
Market cap
₹1.9k Cr
52-week range
₹178.18 – ₹310.55
One year
−25.71%
Return on equity (TTM to Jun 2026)
-13.73%

Overview

Symbol
NSE:SPANDANA
Exchange
NSE
Currency
INR

What Spandana Sphoorty Financial Limited does

Based on the company's own presentations, annual report and earnings calls.

Spandana Sphoorty Financial is a Hyderabad-based non-banking microfinance institution (NBFC-MFI) that extends small, unsecured Joint Liability Group (JLG) loans to women entrepreneurs in rural and semi-urban India, delivered door-step through a network of branches with weekly or monthly collection cycles. Through its subsidiary Criss Financial Limited, it also underwrites secured and individual credit products — Loan Against Property, Nano Enterprise Loans and Individual Loans — for small self-employed borrowers, diversifying beyond the core JLG microfinance book. It earns by originating and servicing this loan book directly through its own field force and recovery teams rather than via third-party correspondents.

Segments

  • Microfinance (JLG)
  • Non-MFI / secured lending (Criss Financial Limited)
Branch network
1,457 branches (Mar 2026)
Active customer base
~12 lakh (1.2 million) borrowers (Mar 2026)
Geographic presence
20 states and Union Territories
Branch mix by collection model
948 monthly-collection, 160 weekly-collection and 349 CFL (secured/non-MFI) branches
Dedicated recovery associates
1,129 (Mar 2026)
Secured-lending subsidiary
Criss Financial Limited (CFL)
Founded 2003Headquarters Hyderabad, TelanganaEmployees 18,382 (March 2025 (FY25)) Company website

How the price took the results

close before → close after

Q1 FY27
−10.5%
24 Jul
Q4 FY26
+11.1%
5 May
Q3 FY26
−0.4%
27 Jan

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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