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About the company
Spandana Sphoorty Financial Limited is an India-based rural-focused non-banking financial company and a microfinance lender (NBFC-MFI). The Company's business lines include joint liability group (JLG)- based microfinance and loan against property (LAP). The Company offers income generating loans under the joint liability group (JLG) model (Chetana), predominantly to women from low-income households in rural areas. Its Chetana product offers flexible repayment - weekly/monthly with no prepayment penalty, loan tenure - 12 to 30 months, and interest rate - 25% per annum. Its LAP is offered through its subsidiary, Criss Financial Ltd. Its LAP is designed to fulfill the diverse needs of small entrepreneurs, which includes acquiring equipment, renovating or expanding office space, or utilizing for working capital. The Company's LAP's loan tenure is 1-10 years.
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dhani Services Ltd | 4.05bn | -3.75bn | 33.59bn | 9.00 | -- | 0.975 | -- | 8.29 | -6.44 | -6.44 | 6.95 | 59.15 | 0.0823 | 0.8466 | 3.94 | -- | -7.60 | -4.15 | -7.81 | -4.54 | 44.54 | 64.23 | -92.32 | -28.52 | -- | -- | 0.1676 | -- | -33.44 | -27.29 | 21.76 | -- | -32.61 | -- |
| IndoStar Capital Finance Ltd | 13.93bn | 1.16bn | 34.03bn | 2.06k | 29.39 | 1.05 | 22.83 | 2.44 | 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 | -- |
| Repco Home Finance Ltd | 15.25bn | 4.16bn | 34.89bn | 951.00 | 8.38 | 1.17 | 8.45 | 2.29 | 66.57 | 66.57 | 243.77 | 477.20 | 0.1155 | -- | -- | -- | 2.99 | 2.36 | 2.99 | 2.57 | 44.54 | 43.36 | 25.89 | 21.27 | -- | -- | 0.7819 | -- | 18.76 | 5.09 | 31.63 | 10.82 | 26.44 | 3.71 |
| Muthoot Microfin Ltd | 20.67bn | 4.24bn | 40.77bn | 10.23k | 7.11 | -- | 8.91 | 1.97 | 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 | 46.31bn | 3.73k | 18.00 | 2.04 | 16.42 | 2.97 | 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 | 46.37bn | 10.36k | 9.21 | 1.63 | 9.01 | 2.05 | 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 | -- |
| Spandana Sphoorty Financial Ltd | 22.61bn | 5.01bn | 52.93bn | 9.67k | 10.69 | 1.45 | 10.16 | 2.34 | 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 | -- |
| MAS Financial Services Ltd | 12.75bn | 2.51bn | 54.78bn | 1.15k | 19.72 | 2.78 | 21.21 | 4.30 | 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 | 66.69bn | 1.65k | 31.20 | 5.02 | 36.57 | 10.14 | 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 |
| India Shelter Finance Corporation Ltd | 8.30bn | 2.48bn | 77.69bn | 3.32k | 30.99 | 3.37 | 30.17 | 9.36 | 23.38 | 23.38 | 78.35 | 214.73 | -- | -- | -- | 2,496,612.00 | -- | 4.34 | -- | 4.35 | 65.22 | 65.87 | 29.84 | 27.65 | -- | -- | 0.5977 | 0.00 | 41.93 | 37.97 | 59.39 | 52.13 | 8.34 | -- |
Data as of Jul 04 2024. Currency figures normalised to Spandana Sphoorty Financial Ltd's reporting currency: Indian Rupee INR
17.13%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 30 Apr 2024 | 1.45m | 2.04% |
| Kotak Mahindra Life Insurance Co., Ltd.as of 31 May 2024 | 836.46k | 1.17% |
| Edelweiss Asset Management Ltd.as of 31 May 2024 | 798.26k | 1.12% |
| BlackRock Fund Advisorsas of 06 Jun 2024 | 367.27k | 0.52% |
| Tata Asset Management Pvt Ltd.as of 31 May 2024 | 300.00k | 0.42% |
| Dimensional Fund Advisors LPas of 30 Apr 2024 | 216.13k | 0.30% |
| Union Asset Management Co. Pvt Ltd.as of 31 May 2024 | 214.54k | 0.30% |
| JM Financial Asset Management Ltd.as of 31 May 2024 | 191.98k | 0.27% |
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Data from 31 Mar 2024 - 15 Jun 2024Source: FactSet Research Systems Inc.
