Spandana Sphoorty Financial LimitedSPANDANABank / NBFC

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

₹211.84

MCap ₹2,221 Cr

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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.

₹238 Cr

Interest Earned · Mar 2026

-36.3% YoY

—

Operating Profit · Mar 2026

₹5 Cr

Net Profit · Mar 2026

+101.3% YoY

₹0.62

EPS · Mar 2026

+101.3% YoY

3.33%

Gross NPA % · Mar 2026

0.64%

Net NPA % · Mar 2026

📝 Spandana Sphoorty Financial Limited — results explained

Quarter ended March 2026 (Q4 FY26)

Spandana Sphoorty Financial Limited reported total income of ₹254 crore for the quarter ended March 2026 (Q4 FY26), down 32.8% from ₹377 crore in the same quarter last year, and up 17.2% sequentially over the December 2025 quarter.

Of this, interest earned contributed ₹238 crore and other income ₹15 crore. Net interest income (interest earned minus interest expended of ₹122 crore) worked out to ₹117 crore.

The company swung to a net profit of ₹5 crore from a net loss of ₹410 crore a year earlier. Earnings per share (EPS) came in at ₹0.62.

On asset quality, gross NPA stood at 3.33% and net NPA at 0.64% (gross NPA was 4.85% a year ago).

Full year and trailing twelve months

For the full year FY26, Spandana Sphoorty Financial Limited posted total income of ₹942 crore, a decline of 58.1% over FY25, with a net loss of ₹624 crore.

On a trailing-twelve-month (TTM) basis, total income stands at ₹942 crore with a net loss of ₹624 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 ?

1.01

P/S ?

2.36

P/FCF ?

4.40

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

N/A

Earnings Yield ?

-28.1%

Dividend Yield ?

0.00%

Profitability & Returns

Total Income (TTM) ?

₹942 Cr

OPM ?

N/A

Profit after tax (TTM) ?

₹-624 Cr

EPS (TTM) ?

₹-59.53

ROCE ?

N/A

ROE ?

-28.4%

ROA ?

-10.1%

Gross NPA % ?

3.33%

Net NPA % ?

0.64%

Growth

Total Income — latest qtr ?

₹254 Cr

PAT — latest qtr ?

₹5 Cr

YoY qtr sales growth ?

-32.8%

YoY qtr profit growth ?

101.3%

Sales growth (3y) ?

-12%

Sales growth (5y) ?

-9%

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	475	487	584	591	631	663	636	509	374	262	199	207	238	-36.3%	+15.2%
Other Income	30	15	30	30	32	26	19	16	3	2	9	9	15	+452.4%	+60.2%
Total Income	505	502	614	622	663	689	655	526	377	264	208	216	254	-32.8%	+17.2%
Interest Expended	146	195	223	241	239	246	245	213	172	139	111	104	122	-28.9%	+17.5%
Operating Profit	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Provisions	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	153	149	156	158	164	69	-272	-526	-545	-439	-286	-109	8	+101.5%	+107.7%
Net Profit	116	111	116	118	122	51	-204	-394	-410	-329	-218	-83	5	+101.3%	+106.7%
EPS	13.16	12.59	13.16	13.36	13.78	5.78	-22.99	-44.41	-46.24	-37.08	-24.59	-9.31	0.62	+101.3%	+106.7%
Gross NPA %	1.95%	1.49%	1.27%	1.50%	1.43%	2.60%	4.88%	4.85%	4.85%	4.88%	4.97%	2.60%	3.33%	—	—
Net NPA %	0.64%	0.45%	0.38%	0.45%	0.29%	0.52%	0.97%	0.96%	0.96%	0.96%	0.97%	0.50%	0.64%	—	—
Capital Adequacy Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric	FY25	FY26	TTM	YoY %
Interest Earned	₹2,183 Cr	₹907 Cr	₹907 Cr	-58.5%
Other Income	₹65 Cr	₹36 Cr	₹36 Cr	-44.8%
Total Income	₹2,248 Cr	₹942 Cr	₹942 Cr	-58.1%
Interest Expended	₹876 Cr	₹476 Cr	₹476 Cr	-45.6%
Net Interest Income	₹1,308 Cr	₹430 Cr	₹430 Cr	-67.1%
Operating Profit	—	—	—	—
Provisions	—	—	—	—
Profit Before Tax	₹-1,274 Cr	₹-825 Cr	₹-825 Cr	+35.2%
Tax	—	—	—	—
Net Profit	₹-957 Cr	₹-624 Cr	₹-624 Cr	+34.8%
EPS	₹-107.86	₹-70.36	₹-70.36	+34.8%

🏛️ Balance Sheet (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Equity Capital	71	71	71	80	+12.7%
Reserves	2,972	3,485	2,551	2,114	-17.1%
Borrowing	5,934	9,012	5,197	3,824	-26.4%
Other Liabilities	208	301	189	159	-15.9%
Total Liabilities	9,186	12,870	8,008	6,177	-22.9%
Fixed Assets	29	32	26	16	-38.5%
CWIP	0	0	0	0	—
Investments	306	329	425	429	+0.9%
Other Assets	8,850	12,509	7,557	5,732	-24.1%
Total Assets	9,186	12,870	8,008	6,177	-22.9%

💧 Cash Flow (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Cash from Operating Activity	-2,053	-2,327	3,783	506	-86.6%
Cash from Investing Activity	-178	-257	-200	178	+189.0%
Cash from Financing Activity	2,317	3,159	-3,761	-1,171	+68.9%
Net Cash Flow	86	575	-179	-487	-172.1%
Free Cash Flow	-2,065	-2,350	3,770	505	-86.6%
CFO/OP	-492%	-155%	-874%	-137%	+84.3%

➗ Ratios (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
ROE %	0%	14%	-31%	-26%	+16.1%

👥 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?