Spandana Sphoorty Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

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.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	511.61	610.27	626.03	669.09	706.97	681.85	554.76	414.79	300.46	229.55
Expenses	164.03	240.36	230.66	274.43	395.08	726.70	925.57	803.89	627.02	442.79
Operating Profit	347.58	369.91	395.37	394.66	311.89	-44.85	-370.81	-389.10	-326.56	-213.24
Other Income	15.68	29.95	30.81	33.80	26.94	20.13	17.83	4.13	3.66	9.94
Interest	199.55	227.74	250.19	249.31	259.37	258.43	229.01	185.45	153.75	119.85
Depreciation	3.17	4.60	5.64	6.98	4.41	5.45	5.64	7.20	4.24	3.98
Profit Before Tax	160.54	167.52	170.35	172.17	75.05	-288.60	-587.63	-577.62	-480.87	-327.13
Tax	41.08	42.31	42.94	43.51	19.34	-72.27	-147.39	-143.32	-120.66	-77.97
Net Profit	119.46	125.21	127.41	128.66	55.71	-216.33	-440.24	-434.30	-360.21	-249.16
Eps in Rs	16.83	17.63	17.91	18.06	7.81	-30.34	-61.73	-60.91	-50.52	-32.76