- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹1,579 Cr1,176th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit.
- Lossover the last 12 months
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 5 May 2026
- 0.7
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 23 Jul 2026
- −13.7%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 9.33%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 10.59%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 15.06%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026.
- −9.49%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 3.09times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 5,10,03650.5% delivered
Q1 results, quarter to Jun 2026
Consolidated: the company and its subsidiaries together. ₹ crore.Spandana Sphoorty Financial annual results and balance sheet
- Income from operationsIncome from operations. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.
- ₹284 Cr−5.5% on a year ago · +9.3% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, where the restatement covers two or more earlier quarters without saying which, or across a change of basis named under the table, on the lines it affects.
- Net profitNet profit. What is left of revenue and other income after every cost, interest and tax.
- ₹12 Cr+125.4% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, where the restatement covers two or more earlier quarters without saying which, or across a change of basis named under the table, on the lines it affects.
- Earnings per shareEarnings per share. Profit belonging to shareholders divided by the number of shares, restated for later splits and bonuses so they do not break the line.
- ₹1.49+125.8% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, on the quarter before wherever the profit of that quarter was restated, and across a change of basis named under the table, on the lines it affects.
- Net interest incomeNet interest income. Interest earned − interest paid; for a finance company, interest earned − finance costs.
- ₹148 Cr
- Profit before provisionsProfit before provisions. Profit before anything is set aside for loans that may not be repaid: for a bank, total income − its expenses other than provisions, as stated, which are interest paid and operating expenses; for a finance company, total income − finance costs − operating expenses.
- ₹16 Cr
From interest earned to net profit, ₹ crore
- Interest earned280
- Interest paid−132
- Net interest income148
- Other income+23
- Operating expenses−155
- Before provisions16
- Set aside for bad loans+1.3
- Profit before tax18
- Tax−5.7
- Net profit12
Spandana Sphoorty Financial results by quarter
Consolidated: the company and its subsidiaries together. Latest quarter to Jun 2026. Results for the quarter to Sep 2026 are due by 14 Nov 2026, 45 days after it ends.Results filings and date
Income from operations and net profit by quarter, ₹ crore
- Income from operations
- Net profit
- Loss
Net interest income and money set aside for bad loans by quarter, ₹ crore
- Net interest income
- Set aside for bad loans
- Loss
| ₹ crore | Sep 2021Q2Filed 6 Jan | Dec 2021Q3Filed 15 Feb | Mar 2022Q4Filed 12 Jul | Jun 2022Q1Filed 16 Aug | Sep 2022Q2Filed 18 Oct | Dec 2022Q3Filed 1 Feb | Mar 2023Q4Filed 3 May | Jun 2023Q1Filed 24 Jul | Sep 2023Q2Filed 17 Nov | Dec 2023Q3Filed 23 Jan | Mar 2024Q4Filed 30 Apr | Jun 2024Q1Filed 30 Jul | Sep 2024Q2Filed 29 Oct | Dec 2024Q3Filed 24 Jan | Mar 2025Q4Filed 30 May | Jun 2025Q1Filed 12 Sep | Sep 2025Q2Filed 31 Oct | Dec 2025Q3Filed 27 Jan | Mar 2026Q4Filed 5 May | Jun 2026Q1Filed 23 Jul |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income from operationsIncome from operations. Income from operations is what the business earns: interest on loans, fees, dividends and the rest. | 396 | 346 | 287 | 250 | 298 | 355 | 498 | 512 | 610 | 626 | 676 | 710 | 686 | 555 | 415 | 300 | 230 | 234 | 260 | 284 |
| Interest earned | 350 | 329 | 261 | 244 | 276 | 338 | 419 | 493 | 544 | 566 | 635 | 694 | 607 | 503 | 391 | 284 | 225 | 225 | 232 | 280 |
| Interest paid | 150 | 139 | 108 | 97 | 91 | 121 | 149 | 200 | 228 | 250 | 249 | 259 | 258 | 229 | 185 | 154 | 120 | 109 | 126 | 132 |
| Net interest incomeNet interest income. Interest earned − interest paid; for a finance company, interest earned − finance costs. | 201 | 189 | 153 | 147 | 185 | 217 | 270 | 293 | 316 | 316 | 386 | 434 | 349 | 274 | 205 | 130 | 105 | 116 | 106 | 148 |
| Other income. Income besides interest, for the period: for a bank, its other income as stated, such as fees, commissions and gains on investments; for a finance company, total income − interest earned, or where total income is not stated, fees and commission + gains on fair value changes + other income. | 46 | 21 | 38 | 15 | 34 | 37 | 114 | 34 | 97 | 91 | 74 | 43 | 99 | 70 | 28 | 20 | 15 | 20 | 45 | 23 |
| Fees and commissionFees and commission. Fees and commissions the finance company charged its customers in the period; given only where interest earned and the other revenue lines add to the revenue from operations stated. | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gains on fair value changesGains on fair value changes. Gains on investments and other holdings counted at their market value, for the period; given only where interest earned and the other revenue lines add to the revenue from operations stated. | 31 | 10 | 8 | 4 | 6 | 8 | 66 | 13 | 60 | 56 | 34 | 13 | 75 | 49 | 24 | 17 | 5 | 5 | 4 | 4 |
| Gains on loans soldGains on loans sold. Gains on loans the finance company sold or assigned to others and took off its books, for the period; given only where interest earned and the other revenue lines add to the revenue from operations stated. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 23 | 0 |
| Other operating revenueOther operating revenue. Revenue from operations besides interest, fees, gains, dividends, rent and sales, for the period; given only where interest earned and the other revenue lines add to the revenue from operations stated. | 14 | 8 | 11 | 2 | 15 | 8 | 13 | 6 | 7 | 4 | 7 | 3 | 5 | 3 | – | – | – | – | – | – |
| Income outside operationsIncome outside operations. The finance company's income outside its revenue from operations, for the period, as its statement gives it. | 1 | 4 | 12 | 9 | 12 | 20 | 35 | 16 | 30 | 31 | 34 | 27 | 20 | 18 | 4 | 4 | 10 | 11 | 17 | 19 |
| The lines under it are parts of it, not all of it. | 77 | 87 | 133 | 111 | 109 | 114 | 123 | 139 | 155 | 166 | 194 | 191 | 220 | 265 | 208 | 209 | 189 | 204 | 161 | 155 |
| Profit before provisionsProfit before provisions. Profit before anything is set aside for loans that may not be repaid: for a bank, total income − its expenses other than provisions, as stated, which are interest paid and operating expenses; for a finance company, total income − finance costs − operating expenses. | 170 | 124 | 58 | 51 | 110 | 141 | 261 | 189 | 258 | 240 | 266 | 287 | 228 | 78 | 25 | −59 | −69 | −67 | −10 | 16 |
| Set aside for bad loansProvisions for bad loans. What was set aside in the period for loans that may not be repaid: for a bank, its provisions other than for tax, which also cover its investments and loans still being repaid; for a finance company, the impairment of its loans and other financial assets. | 241 | 64 | 20 | 352 | 26 | 45 | 122 | 29 | 90 | 70 | 94 | 212 | 516 | 666 | 603 | 422 | 258 | 58 | −18 | −1 |
| Exceptional itemsExceptional items. One-off gains or losses the company states separately, for the period; on a bank's group accounts, not given where the line is the outside owners' share of its subsidiaries' profit. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | −72 | 59 | 38 | −301 | 84 | 96 | 139 | 161 | 168 | 170 | 172 | 75 | −289 | −588 | −578 | −481 | −327 | −125 | 8 | 18 |
| −13 | 14 | 9 | −81 | 29 | 25 | 33 | 41 | 42 | 43 | 44 | 19 | −72 | −147 | −143 | −121 | −78 | −30 | 3 | 6 | |
| The lines under it are parts of it, not all of it. | −59 | 45 | 29 | −220 | 55 | 71 | 106 | 119 | 125 | 127 | 129 | 56 | −216 | −440 | −434 | −360 | −249 | −95 | 5 | 12 |
| Other comprehensive incomeOther comprehensive income. Gains and losses after tax that bypass profit, such as the change in value of some investments and of pension obligations. | 73 | −78 | 31 | −68 | −15 | 17 | 26 | 2 | −2 | −1 | 5 | 0 | 11 | 10 | −17 | 13 | −3 | −13 | −1 | −2 |
| Total comprehensive incomeTotal comprehensive income. Profit + other comprehensive income, given where the two come to it. | 14 | −33 | 59 | −288 | 40 | 88 | 132 | 122 | 123 | 127 | 134 | 56 | −205 | −430 | −452 | −347 | −253 | −108 | 4 | 10 |
| Earnings per shareEarnings per share. The earnings per share stated for the period ÷ the split factor, so a figure from before a split sits on the same share as today's; a figure the company filed after a split or bonus is already on the new share count and is divided by the splits after its filing day only. | −₹9.01 | ₹6.99 | ₹4.35 | −₹31.42 | ₹7.78 | ₹10.05 | ₹14.87 | ₹16.83 | ₹17.63 | ₹17.91 | ₹18.06 | ₹7.81 | −₹30.34 | −₹61.73 | −₹60.91 | −₹50.52 | −₹32.76 | −₹11.88 | ₹0.66 | ₹1.49 |
| Diluted earnings per shareDiluted earnings per share. That diluted earnings per share on today's share count, restated by the same splits and bonuses as the basic figure. | −₹9.01 | ₹6.97 | ₹4.33 | −₹31.42 | ₹7.76 | ₹10.03 | ₹14.83 | ₹16.70 | ₹17.43 | ₹17.60 | ₹17.71 | ₹7.70 | −₹30.34 | −₹61.73 | −₹60.91 | −₹50.52 | −₹32.76 | −₹11.88 | ₹0.66 | ₹1.49 |
Earnings per share in rupees, restated for later splits and bonuses.
Filed results, as an XML file each
- Results for the quarter to Jun 2026 (opens in a new tab)Filed 23 Jul 2026, unaudited
- Results for the quarter to Mar 2026 (opens in a new tab)Filed 5 May 2026, audited
- Results for the quarter to Dec 2025 (opens in a new tab)Filed 27 Jan 2026, unaudited
- Results for the quarter to Sep 2025 (opens in a new tab)Filed 31 Oct 2025, unaudited
16 earlier filings
- Results for the quarter to Jun 2025 (opens in a new tab)Filed 12 Sep 2026, unaudited
- Results for the quarter to Mar 2025 (opens in a new tab)Filed 30 May 2025, audited
- Results for the quarter to Dec 2024 (opens in a new tab)Filed 24 Jan 2025
- Results for the quarter to Sep 2024 (opens in a new tab)Filed 29 Oct 2024
- Results for the quarter to Jun 2024 (opens in a new tab)Filed 30 Jul 2024
- Results for the quarter to Mar 2024 (opens in a new tab)Filed 30 Apr 2024
- Results for the quarter to Dec 2023 (opens in a new tab)Filed 23 Jan 2024
- Results for the quarter to Sep 2023 (opens in a new tab)Filed 17 Nov 2023
- Results for the quarter to Jun 2023 (opens in a new tab)Filed 24 Jul 2023
- Results for the quarter to Mar 2023 (opens in a new tab)Filed 3 May 2023
- Results for the quarter to Dec 2022 (opens in a new tab)Filed 1 Feb 2023
- Results for the quarter to Sep 2022 (opens in a new tab)Filed 18 Oct 2022
- Results for the quarter to Jun 2022 (opens in a new tab)Filed 16 Aug 2022
- Results for the quarter to Mar 2022 (opens in a new tab)Filed 12 Jul 2022
- Results for the quarter to Dec 2021 (opens in a new tab)Filed 15 Feb 2022
- Results for the quarter to Sep 2021 (opens in a new tab)Filed 6 Jan 2022