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NSE Close — 25 Sep 2026
₹225.53
Change
-0.08 (-0.04%)
Open
₹226.73
Prev. Close
₹225.61
Day High
₹226.95
Day Low
₹221.15
Volume Analysis
Traded
97,580
Delivered
51,779
Delivery %
53.06%
End-of-day NSE price via the official Bhavcopy — updated once daily after market close, not a live tick.
Strengths, Weaknesses, Opportunities & Threats
Strengths (0)
No signal for this stock
Weaknesses (4)
- •High debt-to-equity ratio (1.85)
- •Low return on equity (-29.4%)
- •Promoter holding is falling
- •Below-average fundamentals quality score (39/100)
Opportunities (1)
- •FII holding has been rising
Threats (0)
No signal for this stock
Rule-based signals from the fundamentals below — not investment advice.
Pivot Levels
| Type | R3 | R2 | R1 | Pivot | S1 | S2 | S3 |
|---|---|---|---|---|---|---|---|
| Classic | ₹233.73 | ₹230.34 | ₹227.93 | ₹224.54 | ₹222.13 | ₹218.74 | ₹216.33 |
| Fibonacci | ₹230.34 | ₹228.12 | ₹226.76 | ₹224.54 | ₹222.32 | ₹220.96 | ₹218.74 |
| Camarilla | ₹227.13 | ₹226.59 | ₹226.06 | ₹224.54 | ₹225.0 | ₹224.47 | ₹223.94 |
Support/resistance levels for today, calculated from the previous trading day's high/low/close.
Absolute Returns
YTD
-15.64%
1 Week
-1.36%
1 Month
-7.68%
3 Months
-16.03%
6 Months
+17.11%
1 Year
-9.93%
2Y/3Y/5Y not shown yet — price history tracking only goes back to mid-2025 so far.
Company Overview
Sector
Financial Services
Market Cap
₹1,999 Cr
ROE
-29.4%
Book Value
₹240.0
Face Value
₹10.0
Source: Screener.in (Consolidated figures) — data as of 27 Sep 2026. Not investment advice.
TopFund Analysis
Spandana Sphoorty Fin Ltd scores weakly on TopFund's composite fundamentals check within the Financial Services sector, at 39/100. The strongest factor is Cash Flow (100/100), while Business Quality (0/100) is the weakest area to weigh before deciding. Notably: High debt-to-equity ratio (1.85); low return on equity (-29.4%). FII holding has been rising.
TopFund Score — Fundamentals Quality
39/100 — WeakData confidence: 68/100 (Moderate Confidence) — based on how complete and how fresh the underlying data is.
As of 27 Sep 2026 · How we calculate this →
Valuation
Cash Flow
Corporate Governance
Momentum
Institutional Ownership
Business Quality
Risk & Volatility
Liquidity
From Screener.in
- +Company has reduced debt.
- +Stock is trading at 0.94 times its book value
- −Company has low interest coverage ratio.
- −The company has delivered a poor sales growth of -7.14% over past five years.
- −Company has a low return on equity of -13.9% over last 3 years.
- −Earnings include an other income of Rs.58.0 Cr.
Not investment advice — an automated read of public fundamentals data, for research context only.
Corporate Actions
Newspaper advertisement in respect to First and Final Call.
Newspaper advertisement for dispatch of First and Final Call Notice to the shareholders of Spandana Sphoorty Financial Limited (the "company").
Source: BSE regulatory filings, via Screener.in.
Quarterly Results
Last several quarters
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 512 | 610 | 626 | 676 | 710 | 682 | 552 | 415 | 300 | 230 | 234 | 260 | 284 |
| Expenses + | 164 | 240 | 231 | 281 | 398 | 727 | 922 | 804 | 627 | 443 | 258 | 139 | 151 |
| Financing Profit | 148 | 142 | 145 | 145 | 52 | -303 | -600 | -575 | -480 | -333 | -133 | -5 | 1 |
| Financing Margin % | 29.0% | 23.0% | 23.0% | 22.0% | 7.0% | -44.0% | -109.0% | -139.0% | -160.0% | -145.0% | -57.0% | -2.0% | 0.0% |
| Other Income + | 16 | 30 | 31 | 34 | 27 | 20 | 18 | 4 | 4 | 10 | 11 | 17 | 19 |
| Interest | 200 | 228 | 250 | 249 | 259 | 258 | 229 | 185 | 154 | 120 | 109 | 126 | 132 |
| Depreciation | 3 | 5 | 6 | 7 | 4 | 5 | 6 | 7 | 4 | 4 | 4 | 4 | 3 |
| Profit before tax | 161 | 168 | 170 | 172 | 75 | -289 | -588 | -578 | -481 | -327 | -125 | 8 | 18 |
| Tax % | 26.0% | 25.0% | 25.0% | 25.0% | 26.0% | -25.0% | -25.0% | -25.0% | -25.0% | -24.0% | -24.0% | 34.0% | 32.0% |
| Net Profit + | 119 | 125 | 127 | 129 | 56 | -216 | -440 | -434 | -360 | -249 | -95 | 5 | 12 |
| EPS in Rs | 14 | 14 | 14 | 15 | 6 | -24 | -50 | -49 | -41 | -28 | -11 | 1 | 1 |
| Raw PDF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net NPA % | 0.49% | 0.42% | 0.48% | 0.3% | 0.53% | 0.99% | 0.98% | 1.19% | 1.15% | 1.2% | 0.9% | 0.7% | 0.7% |
| Gross NPA % | 1.63% | 1.4% | 1.61% | 1.5% | 2.6% | 4.86% | 4.85% | 5.63% | 5.49% | 5.6% | 4.2% | 3.8% | 3.6% |
Source: Screener.in — figures in ₹ Crores unless marked %.
Profit & Loss (Yearly)
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 587 | 1,043 | 1,435 | 1,483 | 1,463 | 1,401 | 2,401 | 2,355 | 1,024 | 1,007 |
| Expenses + | 67 | 208 | 482 | 872 | 832 | 989 | 890 | 2,844 | 1,465 | 991 |
| Financing Profit | 288 | 475 | 593 | 185 | 89 | -48 | 581 | -1,425 | -952 | -470 |
| Financing Margin % | 49.0% | 46.0% | 41.0% | 12.0% | 6.0% | -3.0% | 24.0% | -61.0% | -93.0% | -47.0% |
| Other Income + | 0 | 5 | 34 | 23 | 17 | 76 | 110 | 69 | 42 | 58 |
| Interest | 232 | 360 | 360 | 426 | 542 | 460 | 930 | 936 | 511 | 487 |
| Depreciation | 6 | 7 | 9 | 8 | 9 | 11 | 20 | 23 | 16 | 15 |
| Profit before tax | 283 | 473 | 618 | 200 | 97 | 18 | 671 | -1,379 | -925 | -427 |
| Tax % | 34.0% | 34.0% | 43.0% | 27.0% | 28.0% | 30.0% | 25.0% | -25.0% | -24.0% | — |
| Net Profit + | 188 | 312 | 352 | 145 | 70 | 12 | 501 | -1,035 | -699 | -327 |
| EPS in Rs | 51 | 42 | 44 | 18 | 8 | 1 | 56 | -117 | -79 | -37 |
| Dividend Payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Balance Sheet
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Reserves | 216 | 1,830 | 2,562 | 2,685 | 3,018 | 3,028 | 3,573 | 2,562 | 2,049 |
| Other Liabilities + | 42 | 75 | 326 | 455 | 217 | 209 | 313 | 205 | 174 |
| Total Liabilities | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 | 8,494 | 6,246 |
| Fixed Assets + | 8 | 27 | 34 | 38 | 31 | 47 | 52 | 52 | 39 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 487 | 2 | 2 | 189 | 112 | 110 | 114 |
| Other Assets + | 3,756 | 4,905 | 5,456 | 8,537 | 7,043 | 9,146 | 13,218 | 8,332 | 6,094 |
| Total Assets | 3,764 | 4,932 | 5,977 | 8,577 | 7,076 | 9,383 | 13,383 | 8,494 | 6,246 |
| Borrowing | 3,477 | 2,968 | 3,025 | 5,373 | 3,772 | 6,074 | 9,425 | 5,656 | 3,943 |
| Equity Capital | 30 | 60 | 64 | 64 | 69 | 71 | 71 | 71 | 80 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Cash Flow
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -1,855 | -573 | -35 | -1,754 | 863 | -2,171 | -2,679 | 3,681 | 882 |
| Cash from Investing Activity + | -4 | -33 | -487 | 482 | 36 | -175 | -172 | -132 | 165 |
| Cash from Financing Activity + | 1,673 | 650 | 434 | 2,348 | -1,307 | 2,433 | 3,435 | -3,712 | -1,514 |
| Net Cash Flow | -186 | 44 | -89 | 1,076 | -408 | 86 | 585 | -162 | -466 |
| CFO/OP | -342 | -67 | -2 | -274 | 171 | -517 | -170 | -767 | -200 |
| Free Cash Flow | -1,860 | -581 | -40 | -1,766 | 851 | -2,184 | -2,704 | 3,659 | 880 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Shareholding Pattern
Quarter-by-quarter — Promoters, FII, DII & public holding trend
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Public | 7.82% | 7.62% | 7.92% | 11.35% | 14.19% | 23.86% | 25.59% | 26.43% | 25.48% | 25.72% | 26.16% | 26.87% |
| Promoters | 60.41% | 59.89% | 59.75% | 56.85% | 55.84% | 48.13% | 48.13% | 48.13% | 48.16% | 48.16% | 48.16% | 48.16% |
| Government | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.01% | 0.01% | 0.01% |
| FII | 18.74% | 19.05% | 21.79% | 22.83% | 22.64% | 21.71% | 19.83% | 19.8% | 20.26% | 20.35% | 19.89% | 19.29% |
| DII | 13.02% | 13.45% | 10.53% | 8.96% | 7.33% | 6.3% | 6.45% | 5.65% | 6.12% | 5.78% | 5.78% | 5.68% |
Source: Screener.in — quarterly shareholding disclosures.
Peers Comparison
Financial Services — ranked by market cap
| Company | Market Cap (Cr) | P/E | P/B | ROE |
|---|---|---|---|---|
| Spandana Sphoorty Fin Ltd (this stock) | 1,999 | — | 0.94 | -29.4% |
| Arman Fin Serv Ltd | 2,001 | 17.2 | 2.14 | 6.26% |
| Gaja Alt Asset Mgt Ltd | 2,006 | 23.2 | — | 15.9% |
| Algoquant Fintech Limited | 2,062 | 45.4 | 15.36 | 28.4% |
| Elcid Investments Ltd. | 2,116 | 22.2 | 0.24 | 1.21% |
| Repco Home Finance Ltd | 2,175 | 4.51 | 0.54 | 12.4% |
| Kalyani Invest Co Ltd | 2,177 | 53.6 | 0.19 | 0.37% |
Which Mutual Funds Hold Spandana Sphoorty Fin Ltd?
Frequently Asked Questions about Spandana Sphoorty Fin Ltd
Spandana Sphoorty Fin Ltd (SPANDANA) closed at ₹225.53 on NSE on 25 September 2026, down 0.08 (0.04%) from the previous close.
Spandana Sphoorty Fin Ltd trades on the NSE (National Stock Exchange of India) under the symbol SPANDANA.
Spandana Sphoorty Fin Ltd has a dividend yield of 0.0%.
Spandana Sphoorty Fin Ltd's 52-week high is ₹320.0 and its 52-week low is ₹181.0.
Spandana Sphoorty Fin Ltd has a market capitalisation of ₹1,999 crore.
Spandana Sphoorty Fin Ltd has a TopFund Quality Score of 39/100 (Weak), a composite of profitability, balance-sheet health, growth and valuation. This is an analytical score based on public data, not personalized investment advice — see the full breakdown below before deciding.
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