Spandana Sphoorty Financial LimitedSPANDANABank / NBFC

Finance & Investments Latest results: Mar 2026 13 quarters of data

₹211.84

MCap ₹2,221 Cr

Spandana Sphoorty Financial Limited — Stock analysis & AI research Spandana Sphoorty Financial Limited — Seasonality — best & worst months Spandana Sphoorty Financial Limited — Technical indicators & charts Spandana Sphoorty Financial Limited — Technical setup — score, trend, support & resistance Spandana Sphoorty Financial Limited — Live exchange announcements

📋 Banks With Lowest NPA 📈 MACD Bullish Crossover 📈 Lowest Technical Score 📈 Multi-Timeframe Bearish Stocks 🏭 Financial Services sector

AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.

₹260 Cr

Interest Earned · Mar 2026

-37.4% YoY

—

Operating Profit · Mar 2026

₹5 Cr

Net Profit · Mar 2026

+101.2% YoY

₹0.59

EPS · Mar 2026

+101.2% YoY

3.80%

Gross NPA % · Mar 2026

0.70%

Net NPA % · Mar 2026

📝 Spandana Sphoorty Financial Limited — results explained

Quarter ended March 2026 (Q4 FY26)

Spandana Sphoorty Financial Limited reported total income of ₹277 crore for the quarter ended March 2026 (Q4 FY26), down 33.8% from ₹419 crore in the same quarter last year, and up 12.9% sequentially over the December 2025 quarter.

Of this, interest earned contributed ₹260 crore and other income ₹17 crore. Net interest income (interest earned minus interest expended of ₹126 crore) worked out to ₹134 crore.

The company swung to a net profit of ₹5 crore from a net loss of ₹434 crore a year earlier. Earnings per share (EPS) came in at ₹0.59.

On asset quality, gross NPA stood at 3.80% and net NPA at 0.70% (gross NPA was 5.63% a year ago).

Full year and trailing twelve months

For the full year FY26, Spandana Sphoorty Financial Limited posted total income of ₹1,066 crore, a decline of 56.1% over FY25, with a net loss of ₹699 crore.

On a trailing-twelve-month (TTM) basis, total income stands at ₹1,066 crore with a net loss of ₹699 crore.

Valuation snapshot

At the current price of ₹211.84, SPANDANA has a market capitalisation of ₹2,221 crore.

Within the Finance & Investments industry, it is the 25th-largest of the 117 companies we track by market value.

Shareholding pattern

As of Jun 2026, promoters held 48.16%, foreign institutional investors (FIIs) 19.29%, domestic institutional investors (DIIs) 5.69%, public shareholders 26.86% of Spandana Sphoorty Financial Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close

Valuation

Market Cap ?

₹2,221 Cr

Current Price ?

₹211.8

P/E ?

N/A

Industry P/E ?

18.90

P/B ?

1.04

P/S ?

2.08

P/FCF ?

2.52

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

N/A

Earnings Yield ?

-31.5%

Dividend Yield ?

0.00%

Profitability & Returns

Total Income (TTM) ?

₹1,066 Cr

OPM ?

N/A

Profit after tax (TTM) ?

₹-699 Cr

EPS (TTM) ?

₹-66.69

ROCE ?

N/A

ROE ?

-32.8%

ROA ?

-11.2%

Gross NPA % ?

3.80%

Net NPA % ?

0.70%

Growth

Total Income — latest qtr ?

₹277 Cr

PAT — latest qtr ?

₹5 Cr

YoY qtr sales growth ?

-33.8%

YoY qtr profit growth ?

101.2%

Sales growth (3y) ?

-10%

Sales growth (5y) ?

-7%

Profit growth (3y) ?

N/A

Profit growth (5y) ?

N/A

Financial Health

Debt ?

N/A

Debt to Equity ?

N/A

Interest Coverage ?

N/A

Current Ratio ?

N/A

Ownership

Promoter holding ?

48.16%

Change in promoter holding ?

0.03%

Pledged percentage ?

N/A

Market

Return 3 months ?

-28.6%

Return 6 months ?

-6.4%

🗓️ Quarterly results (13 quarters · ₹ Cr)

same fiscal quarter as Mar bestweakest per row · for costs (interest, NPAs) low is best Highlight

Metric	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	YoY %	QoQ %
Interest Earned	498	512	610	626	676	710	682	552	415	300	230	234	260	-37.4%	+10.9%
Other Income	35	16	30	31	34	27	20	18	4	4	10	11	17	+323.2%	+55.0%
Total Income	533	527	640	657	710	737	702	569	419	304	239	246	277	-33.8%	+12.9%
Interest Expended	149	200	228	250	249	259	258	229	185	154	120	109	126	-32.0%	+15.9%
Operating Profit	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Provisions	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	139	161	168	170	172	75	-289	-588	-578	-481	-327	-125	8	+101.4%	+106.4%
Net Profit	106	119	125	127	129	56	-216	-440	-434	-360	-249	-95	5	+101.2%	+105.5%
EPS	11.96	13.53	14.16	14.40	14.50	6.28	-24.39	-49.63	-48.96	-40.61	-28.09	-10.71	0.59	+101.2%	+105.5%
Gross NPA %	2.07%	1.63%	1.40%	1.61%	1.50%	2.60%	4.86%	4.85%	5.63%	5.49%	5.60%	4.20%	3.80%	—	—
Net NPA %	0.64%	0.49%	0.42%	0.48%	0.30%	0.53%	0.99%	0.98%	1.19%	1.15%	1.20%	0.90%	0.70%	—	—
Capital Adequacy Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric	FY25	FY26	TTM	YoY %
Interest Earned	₹2,358 Cr	₹1,024 Cr	₹1,024 Cr	-56.6%
Other Income	₹69 Cr	₹42 Cr	₹42 Cr	-38.7%
Total Income	₹2,427 Cr	₹1,066 Cr	₹1,066 Cr	-56.1%
Interest Expended	₹932 Cr	₹508 Cr	₹508 Cr	-45.5%
Net Interest Income	₹1,426 Cr	₹516 Cr	₹516 Cr	-63.8%
Operating Profit	—	—	—	—
Provisions	—	—	—	—
Profit Before Tax	₹-1,379 Cr	₹-925 Cr	₹-925 Cr	+32.9%
Tax	—	—	—	—
Net Profit	₹-1,035 Cr	₹-699 Cr	₹-699 Cr	+32.5%
EPS	₹-116.70	₹-78.82	₹-78.82	+32.5%

🏛️ Balance Sheet (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Equity Capital	71	71	71	80	+12.7%
Reserves	3,028	3,573	2,562	2,049	-20.0%
Borrowing	6,074	9,425	5,656	3,943	-30.3%
Other Liabilities	209	313	205	174	-15.1%
Total Liabilities	9,383	13,383	8,494	6,246	-26.5%
Fixed Assets	47	52	52	39	-25.0%
CWIP	0	0	0	0	—
Investments	189	112	110	114	+3.6%
Other Assets	9,146	13,218	8,332	6,094	-26.9%
Total Assets	9,383	13,383	8,494	6,246	-26.5%

💧 Cash Flow (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Cash from Operating Activity	-2,171	-2,679	3,669	882	-76.0%
Cash from Investing Activity	-175	-172	-119	165	+238.7%
Cash from Financing Activity	2,433	3,435	-3,712	-1,514	+59.2%
Net Cash Flow	86	585	-162	-466	-187.7%
Free Cash Flow	-2,184	-2,704	3,647	880	-75.9%
CFO/OP	-517%	-170%	-765%	-198%	+74.1%

➗ Ratios (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
ROE %	0%	15%	-33%	-29%	+12.1%

👥 Shareholding (latest 5 periods)

Metric	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	% Chg
Promoters	48.13%	48.16%	48.16%	48.16%	48.16%	+0.0%
FIIs	19.80%	20.26%	20.35%	19.89%	19.29%	-3.0%
DIIs	5.65%	6.12%	5.78%	5.78%	5.69%	-1.6%
Government	0.00%	0.00%	0.01%	0.01%	—	—
Public	26.43%	25.48%	25.72%	26.16%	26.86%	+2.7%
No. of Shareholders	1,23,380	1,20,457	1,16,755	1,13,071	1,08,583	-4.0%

⚖️ Peer comparison

Industry: Finance & Investments · top 25 of 117 companies · full page →

#	Company	CMP	MCap (Cr)	P/E	Total Inc TTM	NP TTM	OPM%	NPM%	Inc YoY%	NP YoY%	Qtr Rev Δ%	Qtr NP Δ%
1	LICI Life Insurance	₹398.20	503,723	8.4	881,845	60,055	-7.5%	6.8%	10.0%	18.9%	-43.2%	24.0%
2	SBILIFE SBI Life	₹1,671.70	167,740	67.9	112,315	2,471	0.7%	2.2%	-3.9%	2.4%	-82.4%	-1.1%
3	ICICIGI ICICI Lombard	₹1,508.90	75,386	29.5	27,196	2,556	5.4%	9.4%	12.7%	10.6%	-3.2%	15.4%
4	ICICIPRULI ICICI Prudential	₹496.90	72,089	44.8	63,356	1,608	0.3%	2.5%	-10.5%	35.7%	-79.7%	62.1%
5	GICRE General Insurance	₹337.75	59,255	6.7	51,723	8,877	16.9%	17.2%	6.8%	30.0%	-8.6%	-31.1%
6	MFSL Max Financial	₹1,585.90	54,444	492.4	49,823	137	0.5%	0.3%	2.6%	-73.9%	16.7%	37.5%
7	STARHEALTH Star Health	₹555.55	32,689	38.7	18,509	844	4.4%	4.6%	10.7%	-13.8%	16.2%	109.0%
8	NIACL New India	₹171.56	28,273	36.7	49,363	771	-1.3%	1.6%	14.3%	36.4%	-3.6%	-160.7%
9	GODIGIT Go Digit	₹250.90	23,196	47.1	10,128	492	0.7%	4.9%	6.8%	28.0%	5.5%	-37.4%
10	FIVESTAR Five-Star Business	₹549.40	16,218	14.7	3,293	1,103	11.0%	33.5%	13.3%	2.3%	5.9%	2.0%
11	NIVABUPA Niva Bupa	₹74.77	13,830	38.1	7,598	360	4.2%	4.7%	24.6%	-38.5%	65.8%	251.4%
12	PRUDENT Prudent Corporate	₹3,123.30	12,933	52.8	1,372	246	24.2%	17.9%	19.5%	13.8%	18.2%	43.8%
13	EDELWEISS Edelweiss Financial	₹126.74	11,996	17.1	10,508	711	27.5%	6.8%	12.5%	27.1%	3.7%	30.5%
14	IIFLCAPS IIFL Capital	₹344.80	10,867	18.8	2,433	572	35.0%	23.5%	0.6%	-20.8%	2.3%	4.6%
15	SBFC SBFC Finance	₹87.70	9,745	20.1	1,783	480	9.8%	26.9%	28.6%	30.7%	26.7%	28.8%
16	RELIGARE Religare Enterprises	₹223.35	7,700	n/m	8,953	18	0.7%	0.2%	14.8%	-60.3%	26.5%	-687.3%
17	PAISALO Paisalo Digital	₹76.83	7,023	29.4	943	237	0.0%	25.1%	22.0%	19.1%	33.8%	56.5%
18	FEDFINA Fedbank Financial	₹150.76	5,655	12.9	2,563	434	12.9%	16.9%	7.1%	52.2%	34.3%	63.4%
19	MASFIN MAS Financial	₹288.85	5,241	13.3	2,092	398	7.1%	19.0%	24.8%	19.4%	20.3%	26.6%
20	NORTHARC Northern Arc	₹301.00	4,865	12.0	2,705	404	0.0%	14.9%	14.8%	34.2%	22.7%	250.0%
21	PILANIINVS Pilani Investment	₹4,020.00	4,451	—	248	-12	87.1%	-4.9%	-6.4%	-68.5%	-70.9%	-1075.5%
22	SHAREINDIA Share India	₹183.78	4,022	11.1	1,577	364	40.1%	23.1%	1.5%	-1.2%	31.4%	48.1%
23	KIRLOSIND Kirloskar Industries	₹3,690.00	3,878	50.6	113	76	71.5%	67.0%	9.0%	-2.1%	-27.9%	-9.4%
24	INDOSTAR IndoStar Capital	₹239.15	3,866	—	1,417	-395	6.6%	-27.8%	74.4%	15.7%	-76.0%	-97.9%
25	SPANDANA Spandana Sphoorty	₹209.54	2,197	—	1,066	-699	0.0%	-65.6%	-56.1%	32.5%	-33.8%	101.2%

❓ Frequently asked questions

What was Spandana Sphoorty Financial Limited's total income in Q4 FY26?

What was Spandana Sphoorty Financial Limited's net profit in Q4 FY26?