Spandana Sphoorty Financial Ltd Stock Price Today (NSE: SPANDANA)
Fundamental Score
Spandana Sphoorty Financial Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Spandana Sphoorty Financial Ltd share price today is ₹184.15, down 6.07% on NSE/BSE as of 30 March 2026. Spandana Sphoorty Financial Ltd (SPANDANA) is a Small-cap company in the Microfinance Institutions sector with a market capitalisation of ₹2.09K (Cr). The 52-week high for SPANDANA share price is ₹348.30 and the 52-week low is ₹192.10. The company has a Return on Equity (ROE) of -30.97% and a debt-to-equity ratio of 1.35.
Spandana Sphoorty Financial Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Spandana Sphoorty Financial Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Spandana Sphoorty Financial Share Price Analysis: A Challenging Landscape
The microfinance industry is currently undergoing a period of increased scrutiny regarding portfolio quality and operational efficiencies following pandemic-related disruptions and evolving regulatory landscapes. This analysis examines the current financial standing of Spandana Sphoorty Financial share price (₹248.5 as of this writing) using publicly available data. Notably, Spandana Sphoorty's Price-to-Earnings (PE) ratio is currently unavailable, suggesting potential challenges in profitability or earnings consistency. The Return on Capital Employed (ROCE) of -3.87% raises concerns about the company's efficiency in generating profits from its invested capital.
A negative ROCE, such as the one exhibited by Spandana Sphoorty, significantly impacts the company's economic moat. A strong economic moat, indicating sustainable competitive advantages, is typically built on high and consistent returns on capital. In contrast, a negative ROCE may signal difficulties in maintaining or expanding its market share due to operational inefficiencies or pricing pressures. While we can't make a recommendation, one might compare this to
Muthoot Microfin Ltd, a company whose recent growth suggests strong execution by its management team to deliver robust returns despite sector-wide challenges.The performance of sector peers like Fusion Finance Ltd and Satin Creditcare Network Ltd provides context for evaluating Spandana Sphoorty's relative standing. A comprehensive comparison of their financial metrics, including profitability, asset quality, and growth rates, is crucial to understand the specific challenges faced by Spandana Sphoorty versus broader industry trends. Observing the trends of its competitors alongside key metrics for Spandana provides an informed outlook.
The absence of a positive PE ratio and a negative ROCE warrant a deeper investigation into Spandana Sphoorty's operational performance, asset quality, and capital structure. An extensive fundamental analysis is necessary to ascertain the reasons behind these financial indicators and to assess the company's potential for future improvement. This financial analysis is derived from publicly available data, representing a small component of an 80-parameter fundamental audit verified by Sweta Mishra. It is for informational purposes only and does not constitute financial advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Spandana Sphoorty Financial Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SPANDANA across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Strong Operating Margins (29.79%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Strong Institutional Confidence (FII+DII: 26.38%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Below-Average Return on Equity (-30.97%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (-3.87%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Revenue Contraction (-68.67%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Elevated Debt Levels (D/E: 1.35)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (-1.83x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-1465.23 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Spandana Sphoorty Financial Ltd Financial Statements
Comprehensive financial data for Spandana Sphoorty Financial Ltd including income statement, balance sheet and cash flow
About SPANDANA (Spandana Sphoorty Financial Ltd)
Spandana Sphoorty Financial Ltd is a prominent microfinance institution dedicated to empowering women entrepreneurs in India's underserved regions. Operating primarily in semi-urba...n and rural areas, Spandana provides crucial financial services to low-income individuals who often lack access to traditional banking systems. At the heart of its operations lies a commitment to fostering economic independence through carefully designed microloan products. These loans enable women to start or expand their businesses, improve their livelihoods, and contribute to the overall economic development of their communities. Spandana's approach emphasizes group lending, where women form joint liability groups, creating a support network and shared responsibility that encourages repayment and fosters financial discipline. Beyond group lending, Spandana Sphoorty Financial Ltd offers a diverse range of loan products tailored to meet the specific needs of its clientele. These offerings include loans secured against property, nano-enterprise loans to support very small businesses, and individual loans for entrepreneurs with established businesses. By diversifying its portfolio, Spandana caters to a broader spectrum of needs within its target market, ensuring that women entrepreneurs have access to the financial resources required to achieve their business goals. The organization's widespread network and experienced staff enable it to reach remote and underserved areas, providing valuable financial assistance to those who need it most. Spandana Sphoorty Financial Ltd has grown into a significant player in the Indian microfinance sector since its inception. Based in Hyderabad, India, the company operates with a strong focus on ethical lending practices and responsible financial management. Its commitment to transparency and customer-centricity has earned it a reputation as a reliable and trustworthy partner for women entrepreneurs. By providing access to microloans and financial literacy programs, Spandana plays a vital role in promoting financial inclusion and empowering women to build sustainable businesses and improve their quality of life, creating a lasting positive impact on the communities it serves.
Company Details
Key Leadership
Latest News
SPANDANA Share Price: Frequently Asked Questions
What is the current share price of Spandana Sphoorty Financial Ltd (SPANDANA)?
As of 30 Mar 2026, 12:07 pm IST, Spandana Sphoorty Financial Ltd share price is ₹184.15. The SPANDANA stock has a market capitalisation of ₹2.09K (Cr) on NSE/BSE.
Is SPANDANA share price Overvalued or Undervalued?
SPANDANA share price is currently trading at a P/E ratio of 0.00x, compared to the industry average of 85.57x. Based on this relative valuation, the Spandana Sphoorty Financial Ltd stock appears to be Fairly Valued against its sector peers.
What is the 52-week high and low of SPANDANA share price?
The 52-week high of SPANDANA share price is ₹348.30 and the 52-week low is ₹192.10. These values are updated daily from NSE/BSE price data.
What factors affect the Spandana Sphoorty Financial Ltd share price?
Key factors influencing SPANDANA share price include quarterly earnings growth (Sales Growth: -68.67%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Spandana Sphoorty Financial Ltd a good stock for long-term investment?
Spandana Sphoorty Financial Ltd shows a 5-year Profit Growth of N/A% and an ROE of -30.97%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.35 before investing in SPANDANA shares.
How does Spandana Sphoorty Financial Ltd compare with its industry peers?
Spandana Sphoorty Financial Ltd competes with major peers in the Microfinance Institutions. Investors should compare SPANDANA share price P/E of 0.00x and ROE of -30.97% against the industry averages to determine competitive standing.
What is the P/E ratio of SPANDANA and what does it mean?
SPANDANA share price has a P/E ratio of N/Ax compared to the industry average of 85.57x. Investors pay ₹N/A for every ₹1 of annual earnings.
How is SPANDANA performing according to Bull Run's analysis?
SPANDANA has a Bull Run fundamental score of 10.6/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does SPANDANA belong to?
SPANDANA operates in the Microfinance Institutions industry. This classification helps understand the competitive landscape and sector-specific trends affecting Spandana Sphoorty Financial Ltd share price.
What is Return on Equity (ROE) and why is it important for SPANDANA?
SPANDANA has an ROE of -30.97%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Spandana Sphoorty Financial Ltd generates profits from shareholders capital.
How is SPANDANA debt-to-equity ratio and what does it indicate?
SPANDANA has a debt-to-equity ratio of 1.35, which indicates high leverage that increases financial risk.
What is SPANDANA dividend yield and is it a good dividend stock?
SPANDANA offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Spandana Sphoorty Financial Ltd shares.
How has SPANDANA share price grown over the past 5 years?
SPANDANA has achieved 5-year growth rates of: Sales Growth 9.12%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in SPANDANA and why does it matter?
Promoters hold 48.16% of SPANDANA shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Spandana Sphoorty Financial Ltd.
What is SPANDANA market capitalisation category?
SPANDANA has a market capitalisation of ₹2093 crores, placing it in the Small-cap category.
How volatile is SPANDANA stock?
SPANDANA has a beta of N/A. A beta > 1 suggests the Spandana Sphoorty Financial Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is SPANDANA operating profit margin trend?
SPANDANA has a 5-year average Operating Profit Margin (OPM) of 29.79%, indicating the company's operational efficiency.
How is SPANDANA quarterly performance?
Recent quarterly performance shows Spandana Sphoorty Financial Ltd YoY Sales Growth of -68.67% and YoY Profit Growth of -6.93%.
What is the institutional holding pattern in SPANDANA?
SPANDANA has FII holding of 20.26% and DII holding of 6.12%. Significant institutional holding often suggests professional confidence in the Spandana Sphoorty Financial Ltd stock.