Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SPANDANA.NS
SellSinkerSpandana Sphoorty Financial Limited · Financial Services · India · $224M · Avg Vol: $383K/d
34
StockRankGet insider-trade alerts
Q
31
V
45
M
49
P/E (TTM)
—
ROE
-32.8%
D/E
1.9x
Dividend %
—
COMPANY DESCRIPTION
Spandana Sphoorty Financial Limited engages in the microfinance business in India. The company provides joint liability group based microfinance for women entrepreneurs; loans against the property; and individual loans. It serves low-income customers in semi-urban and rural areas.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 12.7B | 22.2B | 21.6B | 9.2B | -10.3% | 2.8B | 14.5B | 21.0B | 51.3% |
| EPS (INR) | 1.65 | 66.97 | -138.06 | -91.01 | 3947.1% | -39.19 | — | — | — |
| Shares | 74.6M | 75.0M | 75.0M | 88.6M | +18.8% | 71.3M | — | — | — |
| Debt | 60.7B | 94.2B | 56.6B | 39.4B | -13.4% | 39.6B | — | — | — |
| Equity | 31.0B | 36.4B | 26.3B | 21.3B | -11.8% | — | — | — | — |
| Op CF | -21.7B | -26.8B | 36.8B | 8.8B | -76.0% | 8.9B | — | — | — |
| Inv CF | -1.8B | -1.7B | -1.3B | 1.6B | — | — | — | — | — |
| Fin CF | 24.3B | 34.3B | -37.1B | -15.1B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-12.8%
SMA 50SMA 200
Close
$2.43
RSI (14)
41.1
52W High
$3.34
From 52W High
0.7%
SCORE BREAKDOWN
Quality
31
ROIC
-26.5%2.4
ROE
-32.8%2.9
GP/Assets
4.5%50.5
Op. Margin
10.2%27.5
FCF/Assets
14.1%93.0
Piotroski
311.8
Int. Cover
-50.0x1.9
D/E Ratio
1.85x17.9
Current Ratio
1.33x41.8
Value
45
P/E (TTM)
—N/A
EV/EBITDA
—N/A
P/FCF
2.4x88.3
P/B
0.9x74.7
P/S
7.3x22.6
Div Yield
—N/A
Momentum
49
52W High %
73%18.6
RS 6M
5%63.4
SMA 50/200
1.06x59.1
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+208%92.3
Q Growth
—N/A
FUNDAMENTALS
Market Cap
$224M
P/E (Forward)
5.5x
Gross Margin
100.0%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SPANDANA.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SPANDANA.NS | Spandana Sphoorty Financial Limited(you) | $224M | 34 | Sell |
| MUFIN.NS | Mufin Green Finance Limited | $283M | 44 | Hold |
| ARMANFIN.NS | Arman Financial Services Limited | $225M | 49 | Hold |
| UGROCAP.NS | UGRO Capital Limited | $137M | 40 | Hold |
| INDOSTAR.NS | IndoStar Capital Finance Limited | $429M | 27 | Sell |
| MASFIN.NS | MAS Financial Services Limited | $555M | 32 | Sell |
| VHL.NS | Vardhman Holdings Limited | $122M | 42 | Hold |
| AYE.NS | Aye Finance Limited | $477M | 43 | Hold |
| KISSHT.NS | OnEMI Technology Solutions Limited | $619M | 30 | Sell |
| MUTHOOTMF.NS | Muthoot Microfin Limited | $357M | 49 | Hold |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%