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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). It offers income-generating loans under the joint liability group (JLG) model (Chetana), predominantly to women from low-income households in rural areas. Its product categories include JLG-based microfinance, Individual Loans, Nano Enterprise Loans, and Loan Against Property (LAP). The JLG-based micro-loans are its flagship product. Its Individual Loans cater to small entrepreneurs and individuals. Its Nano Enterprises Loans are custom-designed, providing unsecured financing. Its LAP is offered through its subsidiary, Criss Financial Ltd. Its LAP is designed to cater to small entrepreneurs, which includes acquiring equipment, renovating or expanding office space. Its products include Chetana, Consumer Durable Loan, Unnati, and Water Sanitation & Hygiene Loan. Its Chetana product offers flexible repayment-weekly/monthly with no prepayment penalty.
- Revenue in INR (TTM)11.21bn
- Net income in INR-11.39bn
- Incorporated2003
- Employees16.45k
- LocationSpandana Sphoorty Financial LtdGalaxy, Wing B, 16th Floor,,Plot No.1, Sy No 83/1, Hyderabad KnowledHYDERABAD 500081IndiaIND
- Phone+1 8 802035220
- Websitehttps://spandanasphoorty.com/
Peer analysis
- Key Information
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| 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Capital India Finance Ltd | 5.51bn | 432.71m | 12.48bn | 616.00 | 29.45 | 1.85 | 18.29 | 2.26 | 1.08 | 1.05 | 13.78 | 17.23 | 0.3294 | 269.41 | 26.82 | 8,946,557.00 | 2.14 | -1.57 | 2.44 | -1.85 | 58.64 | 50.14 | 6.49 | -3.89 | 2.97 | 0.8147 | 0.5021 | -- | -10.01 | 28.01 | -86.71 | -38.25 | 13.77 | 0.00 |
| Satin Creditcare Network Ltd | 27.27bn | 1.92bn | 16.67bn | 15.19k | 8.68 | -- | 7.55 | 0.6112 | 17.46 | 17.46 | 247.98 | -- | -- | -- | -- | 1,795,674.00 | -- | 1.46 | -- | 2.71 | -- | -- | 7.04 | 6.95 | -- | 1.71 | -- | 0.00 | 16.22 | 11.80 | -57.30 | 3.73 | -- | -- |
| Arman Financial Services Ltd | 6.24bn | 283.57m | 17.86bn | 1.15k | 63.60 | -- | 59.06 | 2.86 | 26.71 | 26.71 | 591.58 | -- | -- | -- | -- | 5,411,497.00 | -- | 4.30 | -- | 4.40 | -- | -- | 4.54 | 16.57 | -- | 2.68 | -- | 0.00 | 4.83 | 26.51 | -70.00 | 4.63 | 97.34 | -- |
| Mufin Green Finance Ltd | 2.00bn | 186.91m | 20.22bn | 537.00 | 107.67 | 6.35 | 97.26 | 10.09 | 1.08 | 1.08 | 11.61 | 18.37 | 0.1804 | -- | 27.38 | 3,732,993.00 | 1.61 | 3.58 | 3.19 | 6.31 | 45.52 | 57.42 | 8.94 | 21.04 | -- | 365.04 | 0.7315 | -- | 85.49 | 175.09 | 22.07 | -- | 247.57 | -- |
| Spandana Sphoorty Financial Ltd | 11.21bn | -11.39bn | 21.03bn | 16.45k | -- | -- | -- | 1.88 | -150.60 | -150.60 | 146.61 | -- | -- | -- | -- | 681,518.20 | -- | -0.6719 | -- | -1.03 | -- | -- | -101.54 | -3.37 | -- | 0.5987 | -- | -- | -1.89 | 10.41 | -306.75 | -- | 37.33 | -- |
| Repco Home Finance Ltd | 17.60bn | 4.61bn | 25.32bn | 1.26k | 5.49 | -- | 5.41 | 1.44 | 73.66 | 73.66 | 281.27 | -- | -- | -- | -- | 14,011,780.00 | -- | 2.50 | -- | 2.90 | 44.13 | 44.12 | 24.71 | 22.43 | -- | -- | -- | 5.45 | 10.54 | 4.61 | 10.85 | 9.13 | 25.85 | -- |
| Fusion Finance Ltd | 16.66bn | -2.65bn | 30.10bn | 15.27k | -- | -- | -- | 1.81 | -24.42 | -24.42 | 144.10 | -- | -- | -- | -- | 1,090,612.00 | -- | -0.6573 | -- | -1.24 | -- | -- | -15.90 | -3.18 | -- | 1.51 | -- | -- | 0.1308 | 26.35 | -342.34 | -- | 27.59 | -- |
| Paisalo Digital Ltd | 8.81bn | 2.11bn | 30.61bn | 3.18k | 14.40 | -- | 13.92 | 3.48 | 2.34 | 2.34 | 9.74 | -- | -- | -- | -- | 2,770,751.00 | -- | 3.75 | -- | 3.79 | 57.29 | 56.32 | 23.99 | 23.10 | -- | 462.56 | -- | 5.09 | 17.19 | 15.52 | 11.82 | 29.89 | 111.80 | 14.87 |
| Nalwa Sons Investments Ltd | 876.55m | 240.71m | 30.84bn | 4.00 | 117.02 | 0.1896 | 121.36 | 35.19 | 51.32 | 51.32 | 175.84 | 31,668.51 | 0.0046 | 0.1705 | 26.50 | 219,137,200.00 | 0.1335 | 0.6034 | 0.1338 | 0.6056 | 93.34 | 88.44 | 28.97 | 60.39 | -- | 1.84 | 0.00003 | 0.00 | 41.66 | 16.26 | -16.99 | 18.96 | -- | -- |
| Holder | Shares | % Held |
|---|---|---|
| Valiant Capital Management LPas of 31 Dec 2025 | 3.64m | 4.10% |
| Goldman Sachs Asset Management LPas of 06 Feb 2026 | 2.77m | 3.13% |
| ICICI Prudential Life Insurance Co. Ltd. (Invt Port)as of 31 Dec 2025 | 1.74m | 1.96% |
| JM Financial Asset Management Ltd.as of 31 Jan 2026 | 273.36k | 0.31% |
| Mediolanum International Funds Ltd.as of 30 Sep 2025 | 188.40k | 0.21% |
| Dimensional Fund Advisors LPas of 30 Nov 2025 | 126.10k | 0.14% |
| American Century Investment Management, Inc.as of 05 Feb 2026 | 31.74k | 0.04% |
| SSgA Funds Management, Inc.as of 05 Feb 2026 | 24.70k | 0.03% |
| Dimensional Fund Advisors Ltd.as of 30 Nov 2025 | 15.47k | 0.02% |
| DFA Australia Ltd.as of 31 Dec 2025 | 1.87k | 0.00% |
