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About the company
Spandana Sphoorty Financial Limited is a rural-focused non-banking financial company and a microfinance lender (NBFC-MFI). The Company offers income generating loans under the joint liability group (JLG) model to women from low-income households in rural areas. It offers a range of financial products and services to low-income households and individuals to improve their quality of life. The Company's products include Chetana, Loan Against Property (LAP), and Nano Enterprise Loans. Its product is JLG based micro-loans designed for women entrepreneurs. The Company, through its wholly owned subsidiary, Criss Financial Ltd, provides loan products, such as LAP and loans to Nano enterprises. The Company operates approximately 1227 branches.
- Revenue in INR (TTM)22.61bn
- Net income in INR5.01bn
- Incorporated2003
- Employees9.67k
- LocationSpandana Sphoorty Financial LtdGalaxy, Wing B, 16th Floor, Plot No.1, SHYDERABAD 500081IndiaIND
- Phone+91 4 045474750
- Websitehttps://spandanasphoorty.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Repco Home Finance Ltd | 14.72bn | 3.87bn | 30.26bn | 951.00 | 7.83 | -- | 7.86 | 2.06 | 61.78 | 61.78 | 235.26 | -- | -- | -- | -- | 15,481,070.00 | -- | 2.20 | -- | 2.37 | 44.92 | 42.37 | 25.05 | 19.90 | -- | -- | -- | 5.85 | -0.4999 | 3.00 | 62.95 | 8.51 | 1.54 | 4.18 |
| IndoStar Capital Finance Ltd | 13.93bn | 1.16bn | 30.48bn | 2.06k | 26.32 | 0.9422 | 20.45 | 2.19 | 8.51 | 8.51 | 102.34 | 237.75 | 0.1376 | -- | -- | -- | 1.14 | -1.84 | 1.14 | -1.90 | -- | -- | 8.32 | -14.14 | -- | 1.31 | 0.7006 | -- | 18.62 | 2.93 | -48.55 | -13.61 | -9.65 | -- |
| Zaggle Prepaid Ocean Services Ltd | -100.00bn | -100.00bn | 35.18bn | 273.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 49.08 | -- | -45.37 | -- | -- | -- |
| Muthoot Microfin Ltd | 20.67bn | 4.24bn | 37.18bn | 10.23k | 6.49 | -- | 8.13 | 1.80 | 34.27 | 34.27 | 166.98 | -- | -- | -- | -- | 2,021,328.00 | -- | 1.91 | -- | 1.98 | 98.68 | 98.14 | 20.53 | 9.76 | -- | 1.80 | -- | 0.00 | 71.62 | 25.93 | 245.77 | 16.61 | 31.23 | -- |
| Fedbank Financial Services Ltd | 15.57bn | 2.45bn | 46.15bn | 3.73k | 18.00 | 2.04 | 16.36 | 2.96 | 6.94 | 6.94 | 44.08 | 61.20 | 0.1541 | -- | 69.82 | -- | 2.42 | -- | 9.24 | -- | 98.53 | -- | 15.71 | -- | -- | 1.56 | 0.7739 | -- | 2,680.43 | -- | 35.84 | -- | -- | -- |
| Fusion Micro Finance Ltd | 22.64bn | 5.05bn | 47.30bn | 10.36k | 9.40 | 1.66 | 9.20 | 2.09 | 50.02 | 50.02 | 224.10 | 283.06 | 0.2142 | -- | 160.38 | -- | 4.78 | 2.99 | 6.08 | 4.78 | -- | -- | 22.32 | 15.26 | -- | 2.26 | 0.7516 | -- | 29.96 | 36.60 | 30.52 | 58.40 | 45.60 | -- |
| MAS Financial Services Ltd | 12.75bn | 2.51bn | 47.96bn | 1.15k | 19.10 | 2.69 | 18.57 | 3.76 | 15.31 | 15.31 | 77.74 | 108.71 | 0.1452 | -- | 235.21 | -- | 2.89 | 2.98 | 2.91 | 4.39 | 44.74 | 51.07 | 19.92 | 21.83 | -- | -- | 0.8033 | 11.21 | 27.97 | 15.93 | 23.51 | 10.33 | 61.89 | -2.34 |
| Paisalo Digital Ltd | 6.58bn | 1.79bn | 55.36bn | 1.65k | 25.90 | 4.16 | 30.36 | 8.42 | 2.38 | 2.38 | 8.36 | 14.80 | 0.176 | -- | 59.80 | -- | 4.79 | 3.37 | 4.82 | 3.43 | 58.94 | 56.27 | 27.21 | 20.68 | -- | -- | 0.6672 | 5.65 | 39.01 | 12.77 | 91.17 | 25.99 | 0.9353 | 14.87 |
| Spandana Sphoorty Financial Ltd | 22.61bn | 5.01bn | 55.99bn | 9.67k | 11.31 | 1.54 | 10.74 | 2.48 | 69.44 | 69.44 | 313.66 | 511.46 | 0.1987 | -- | 50.97 | -- | 4.40 | 2.69 | 4.40 | 3.44 | -- | -- | 22.14 | 13.43 | -- | 2.10 | 0.7211 | -- | 61.43 | 16.74 | 3,965.45 | 9.93 | 27.05 | -- |
| India Shelter Finance Corporation Ltd | 7.65bn | 2.23bn | 63.24bn | 2.71k | 27.69 | -- | 27.30 | 8.27 | 21.34 | 21.34 | 72.94 | -- | -- | -- | -- | 2,822,227.00 | -- | -- | -- | -- | 64.73 | -- | 29.13 | -- | -- | -- | -- | -- | 30.48 | -- | 20.94 | -- | -- | -- |
| Home First Finance Company India Ltd | 11.05bn | 3.06bn | 75.25bn | 993.00 | 25.28 | 3.54 | 23.70 | 6.81 | 33.59 | 33.59 | 121.45 | 239.67 | 0.1359 | -- | -- | -- | 3.76 | 3.48 | 3.76 | 4.05 | -- | -- | 27.66 | 26.82 | -- | 1.87 | 0.7749 | -- | 42.97 | 33.63 | 33.91 | 46.56 | 3.76 | -- |
Data as of May 10 2024. Currency figures normalised to Spandana Sphoorty Financial Ltd's reporting currency: Indian Rupee INR
17.09%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Valiant Capital Management LPas of 31 Dec 2023 | 5.98m | 8.39% |
| ICICI Prudential Life Insurance Co. Ltd. (Invt Port)as of 31 Dec 2023 | 1.86m | 2.61% |
| Goldman Sachs Asset Management LPas of 29 Feb 2024 | 1.46m | 2.04% |
| Kotak Mahindra Life Insurance Co., Ltd.as of 31 Mar 2024 | 841.29k | 1.18% |
| Edelweiss Asset Management Ltd.as of 31 Mar 2024 | 722.45k | 1.01% |
| BlackRock Fund Advisorsas of 04 Apr 2024 | 368.30k | 0.52% |
| Union Asset Management Co. Pvt Ltd.as of 31 Mar 2024 | 321.72k | 0.45% |
| Tata Asset Management Ltd.as of 31 Mar 2024 | 300.00k | 0.42% |
| Dimensional Fund Advisors LPas of 28 Mar 2024 | 169.06k | 0.24% |
| JM Financial Asset Management Ltd.as of 31 Mar 2024 | 166.50k | 0.23% |
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Data from 31 Dec 2023 - 30 Apr 2024Source: FactSet Research Systems Inc.
