Spandana Sphoorty Financial Limited

NSEI:SPANDANA Stock Report

Market Cap: ₹26.0b

Spandana Sphoorty Financial Future Growth

Future criteria checks 5/6

Spandana Sphoorty Financial is forecast to grow earnings and revenue by 95.7% and 49.2% per annum respectively. EPS is expected to grow by 61.2% per annum. Return on equity is forecast to be 11.9% in 3 years.

Key information

95.7%

Earnings growth rate

61.18%

EPS growth rate

Consumer Finance earnings growth19.2%
Revenue growth rate49.2%
Future return on equity11.92%
Analyst coverage

Low

Last updated27 Jul 2026

Recent future growth updates

Recent updates

New Narrative • Apr 04

Branch Consolidation And Strong Collections Will Support A Cleaner Earnings Profile

Catalysts About Spandana Sphoorty Financial Spandana Sphoorty Financial is a non banking financial company microfinance institution focused on lending to low income borrowers across India. What are the underlying business or industry changes driving this perspective?
New Narrative • Mar 19

Branch Consolidation And Costly Funding Will Shape A Cautious but Stable Outlook

Catalysts About Spandana Sphoorty Financial Spandana Sphoorty Financial is a non banking microfinance institution focused on group and individual lending to low income customers across multiple Indian states. What are the underlying business or industry changes driving this perspective?
New Narrative • Mar 05

Branch Consolidation And New Book Quality Will Transform This Microfinance Lender By 2029

Catalysts About Spandana Sphoorty Financial Spandana Sphoorty Financial is a non banking financial company focused on microfinance lending across India. What are the underlying business or industry changes driving this perspective?
Analysis Article • May 09

With EPS Growth And More, Spandana Sphoorty Financial (NSE:SPANDANA) Makes An Interesting Case

The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Analysis Article • Jan 11

News Flash: 3 Analysts Think Spandana Sphoorty Financial Limited (NSE:SPANDANA) Earnings Are Under Threat

The latest analyst coverage could presage a bad day for Spandana Sphoorty Financial Limited ( NSE:SPANDANA ), with the...
Analysis Article • Aug 18

Spandana Sphoorty Financial Limited Just Beat Revenue Estimates By 7.7%

Spandana Sphoorty Financial Limited ( NSE:SPANDANA ) last week reported its latest first-quarter results, which makes...
Analysis Article • Feb 21

Trade Alert: The Founder Of Spandana Sphoorty Financial Limited (NSE:SPANDANA), Padmaja Gangireddy, Has Just Spent ₹3.4m Buying A Few More Shares

Even if it's not a huge purchase, we think it was good to see that Padmaja Gangireddy, the Founder of Spandana Sphoorty...
Analysis Article • Feb 16

Spandana Sphoorty Financial (NSE:SPANDANA) Share Prices Have Dropped 34% In The Last Year

Investors can approximate the average market return by buying an index fund. While individual stocks can be big...
Analysis Article • Dec 18

Chief Strategy Officer Abdul Khan Just Sold A Bunch Of Shares In Spandana Sphoorty Financial Limited (NSE:SPANDANA)

We'd be surprised if Spandana Sphoorty Financial Limited ( NSE:SPANDANA ) shareholders haven't noticed that the Chief...

Earnings and Revenue Growth Forecasts

NSEI:SPANDANA - Analysts future estimates and past financials data (INR Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
3/31/202916,0884,834N/AN/A1
3/31/202812,7802,727N/AN/A3
3/31/20278,8551,145N/AN/A3
6/30/20262,815-3,270N/AN/AN/A
3/31/2026-1,628-6,9918,7858,825N/A
12/31/2025-2,842-11,386N/AN/AN/A
9/30/2025-6,851-14,83835,90236,031N/A
6/30/2025-10,320-14,510N/AN/AN/A
3/31/2025-774-10,35136,46236,685N/A
12/31/20244,370-4,722N/AN/AN/A
9/30/202410,963954-2,754-2,489N/A
6/30/202414,8704,369N/AN/AN/A
3/31/202415,2035,007-27,047-26,787N/A
12/31/20239,2124,776N/AN/AN/A
9/30/20237,9434,216-33,621-33,462N/A
6/30/20236,6493,515N/AN/AN/A
3/31/20231,761123-21,838-21,710N/A
12/31/20226,205-648N/AN/AN/A
9/30/20225,574-9124,8875,062N/A
6/30/2022980-2,042N/AN/AN/A
3/31/20227,5116958,4858,626N/A
12/31/202110,286901N/AN/AN/A
9/30/20219,129154-8,590-8,407N/A
6/30/202110,8971,401N/AN/AN/A
3/31/20216,8821,450-17,695-17,541N/A
12/31/202010,8421,789N/AN/AN/A
9/30/202011,3223,381-5,220-5,295N/A
6/30/202011,2963,170N/AN/AN/A
3/31/202011,0363,515N/A-352N/A
12/31/20199,2803,422N/AN/AN/A
9/30/20198,5113,056N/A1,473N/A
6/30/20197,4403,325N/AN/AN/A
3/31/20196,8753,118N/A-5,733N/A
12/31/20186,3173,200N/AN/AN/A
9/30/20185,5442,913N/AN/AN/A
6/30/20184,5472,396N/AN/AN/A
3/31/20183,5511,879N/A-18,551N/A
3/31/20171,603529N/A-820N/A
3/31/20162,0822,432N/A1,139N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: SPANDANA is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (6.9%).

Earnings vs Market: SPANDANA is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: SPANDANA is expected to become profitable in the next 3 years.

Revenue vs Market: SPANDANA's revenue (49.2% per year) is forecast to grow faster than the Indian market (11% per year).

High Growth Revenue: SPANDANA's revenue (49.2% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: SPANDANA's Return on Equity is forecast to be low in 3 years time (11.9%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/28 17:59
End of Day Share Price 2026/07/28 00:00
Earnings2026/06/30
Annual Earnings2026/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Spandana Sphoorty Financial Limited is covered by 10 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Praveen AgarwalAxis Capital Limited
Jignesh ShialCGS International
Sanket ChhedaDAM Capital Advisors