Spandana Sphoorty Financial quarterly results and financials

Spandana Sphoorty Financial (SPANDANA)₹188.65+2.16%(9 Nov 2026 close)Microfinance Institutions

Key facts

In the Sep 2026 quarter (consolidated), Spandana Sphoorty Financial reported revenue of ₹324 Cr, up 41.2% from Sep 2025, and net profit of ₹17.93 Cr. For the year to Mar 2026, revenue were ₹1,021 Cr and net profit −₹697 Cr.

Revenue (Sep 2026): ₹324 Cr
Net profit (Sep 2026): ₹17.93 Cr
Revenue (FY Mar 2026): ₹1,021 Cr
Net profit (FY Mar 2026): −₹697 Cr
EPS (Sep 2026): ₹2.07
Borrowings (Mar 2026): ₹3,949 Cr

Company filings, consolidated accounts; latest reported quarter Sep 2026

Spandana Sphoorty Financial quarterly results

₹ crore unless stated; each column is a quarter.

Spandana Sphoorty Financial Quarterly results
	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Revenue	624	674	708	680	551	414	299	230	233	259	283	324
Interest	251	250	260	259	229	185	154	120	109	126	132	141
Net interest income	374	424	448	421	321	229	145	109	124	133	151	183
Expenses	231	282	398	729	923	805	628	444	258	139	151	160
Financing Profit	145	145	51.97	−303	−600	−575	−480	−333	−133	−5.01	0.99	24.01
Financing Margin %	23.0%	22.0%	7.0%	−44.0%	−109.0%	−139.0%	−160.0%	−145.0%	−57.0%	−2.0%	0.0%	7.0%
Other Income	31.02	34.01	27.04	20.04	18.03	4.01	4.01	10.02	11.01	17.02	19.03	16.02
Depreciation	5.99	6.99	3.99	4.99	5.99	6.99	3.99	3.99	3.99	3.99	2.99	1.99
Profit before tax	170	172	74.86	−289	−588	−578	−480	−327	−125	7.99	17.99	36.95
Tax %	24.9%	24.9%	26.0%	−25.0%	−25.1%	−25.0%	−25.1%	−24.0%	−24.0%	33.9%	32.0%	51.0%
Net Profit	127	129	55.83	−215	−439	−432	−359	−248	−94.71	4.99	11.95	17.93
EPS (Rs)	14.44	14.54	6.30	−24.46	−49.78	−49.10	−40.74	−28.19	−10.74	0.60	1.35	2.07
Gross NPA %	1.6%	1.5%	2.6%	4.9%	4.9%	5.6%	5.5%	5.6%	4.2%	3.8%	3.6%	—
Net NPA %	0.5%	0.3%	0.5%	1.0%	1.0%	1.2%	1.2%	1.2%	0.9%	0.7%	0.7%	—
Provision coverage (approx., excl. write-offs) %	70.2%	80.0%	79.6%	79.6%	79.8%	78.9%	79.1%	78.6%	78.6%	81.6%	80.6%	—

Spandana Sphoorty Financial profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

Spandana Sphoorty Financial Profit and loss
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	586	1,041	1,430	1,479	1,460	1,398	2,393	2,350	1,021	1,100
Interest	233	361	361	427	543	461	932	938	512	509
Net interest income	353	680	1,070	1,052	917	937	1,461	1,413	509	591
Expenses	67.11	208	483	873	834	990	892	2,847	1,467	709
Financing Profit	288	475	593	185	89.04	−48.02	581	−1,425	−952	−113
Financing Margin %	49.0%	46.0%	41.0%	12.0%	6.0%	−3.0%	24.0%	−61.0%	−93.0%	−10.3%
Other Income	0.00	5.01	34.05	23.02	17.02	76.12	110	69.12	42.04	63.08
Depreciation	5.99	6.99	8.99	7.99	8.99	10.98	19.97	22.98	15.99	12.96
Profit before tax	283	472	617	200	96.85	17.98	670	−1,378	−924	−61.95
Tax %	33.9%	33.9%	43.0%	26.9%	28.0%	30.0%	24.9%	−25.0%	−24.1%	—
Net Profit	187	311	351	145	69.74	11.96	499	−1,031	−697	−59.84
EPS (Rs)	50.95	42.15	44.06	18.18	8.11	1.40	56.59	−117.02	−79.08	−6.72
Dividend payout %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—

Spandana Sphoorty Financial balance sheet

₹ crore, at each year end.

Spandana Sphoorty Financial Balance sheet
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	29.90	59.97	63.86	63.92	68.83	70.86	70.75	70.73	79.87
Reserves	215	1,830	2,554	2,681	3,011	3,022	3,562	2,556	2,047
Borrowings	3,477	2,971	3,027	5,380	3,774	6,076	9,428	5,658	3,949
Other Liabilities	42.20	75.37	328	457	218	210	315	206	175
Total Liabilities	3,764	4,936	5,972	8,583	7,073	9,380	13,376	8,491	6,250
Fixed Assets	8.01	27.03	34.02	38.07	31.04	47.06	52.05	52.07	39.05
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	485	1.99	1.99	188	112	110	114
Other Assets	3,756	4,909	5,453	8,543	7,040	9,144	13,212	8,329	6,099
Inventories	0.00	0.00	0.00	0.00	0.00	0.99	0.00	0.00	0.00
Trade receivables	2.01	4.01	22.01	12.01	0.00	0.00	0.00	0.00	0.00
Cash & equivalents	208	353	258	1,383	1,204	1,007	1,876	1,848	1,277
Total Assets	3,764	4,936	5,972	8,583	7,073	9,380	13,376	8,491	6,250

Spandana Sphoorty Financial cash flow

₹ crore, for each year.

Spandana Sphoorty Financial Cash flow
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−1,860	−575	−35.07	−1,758	866	−2,178	−2,685	3,689	884
Cash from investing activity	−3.99	−32.98	−487	482	35.99	−175	−172	−132	165
Cash from financing activity	1,669	649	433	2,345	−1,305	2,429	3,427	−3,704	−1,512
Net cash flow	−187	44.15	−89.19	1,080	−409	86.18	587	−162	−467
Capex	4.98	7.98	4.99	14.95	13.95	12.95	25.91	21.91	2.99
Free cash flow	−1,859	−581	−39.99	−1,765	851	−2,184	−2,702	3,662	880

Spandana Sphoorty Financial ratios

Working-capital days and returns, by year.

Spandana Sphoorty Financial Ratios
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	77.0%	29.0%	16.0%	5.0%	2.0%	0.0%	15.0%	−33.0%	−29.0%

Spandana Sphoorty Financial: frequently asked questions

What are the latest quarterly results of Spandana Sphoorty Financial?

For the Sep 2026 quarter, Spandana Sphoorty Financial reported revenue of ₹324 Cr, up 41.2% year on year and net profit of ₹17.93 Cr.

What is the annual revenue of Spandana Sphoorty Financial?

Spandana Sphoorty Financial's revenue for the year to Mar 2026 were ₹1,021 Cr; over the last twelve months they were ₹1,100 Cr.

What is the net profit of Spandana Sphoorty Financial?

Net profit for the year to Mar 2026 was −₹697 Cr, and −₹59.84 Cr over the last twelve months. Earnings per share over the same trailing period were ₹−6.72.

What is the free cash flow of Spandana Sphoorty Financial?

Cash from operations was ₹884 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹880 Cr.

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