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SPANDANASpandana Sphoorty Financial Ltd.

264.84(-0.67%)

1W: +4.20%

1M: +6.23%

1Y: -69.80%

Financials

Charts

YoY Net Sales

Operating Margin

EPS Growth

Pros & Cons

POSITIVES

Increased loan disbursements in the latest quarter indicate strong demand and growth potential.
Improved net interest margins suggest better profitability on lending operations.
Reduction in non-performing assets reflects effective credit risk management strategies.

NEGATIVES

Decrease in total revenue compared to the previous quarter raises concerns about overall performance.
Rising operating expenses could pressure margins and hinder profitability.
Slower growth in customer acquisition may impact long-term scalability and market position.

Quarterly Results Data

Field	Trend	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue		610.26	626.03	675.80	709.89	686.38	554.76	414.79	300.46
Expenses		227.74	250.19	249.31	259.37	258.43	229.01	185.45	153.75
Financing Profit		382.53	375.85	426.49	450.52	427.95	325.75	229.34	146.71
Other Income		29.95	30.81	33.80	27.09	20.19	17.83	4.13	3.66
Depreciation		4.60	5.64	6.98	4.41	5.45	5.64	7.20	4.24
Profit Before Tax		167.51	170.35	172.17	75.05	-288.61	-587.63	-577.62	-480.87
Tax		42.31	42.94	43.51	19.34	-72.28	-147.39	-143.32	-120.66
Net Profit		125.20	127.40	128.66	55.71	-216.33	-440.24	-434.30	-360.21
Gross Npa %		0	0	0	0	0	0	0	0
Net Npa %		0	0	0	0	0	0	0	0