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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)25.75bn
- Net income in INR954.12m
- Incorporated2003
- Employees13.10k
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Arman Financial Services Ltd | 6.89bn | 1.65bn | 13.18bn | 951.00 | 7.42 | -- | 7.92 | 1.91 | 169.28 | 169.28 | 702.02 | -- | -- | -- | -- | 7,240,519.00 | -- | 5.16 | -- | 5.18 | -- | -- | 23.95 | 20.55 | -- | 2.21 | -- | -- | 54.85 | 36.33 | 85.02 | 45.70 | 6.08 | -- |
| Tourism Finance Corporation of India Ltd | 2.25bn | 989.66m | 14.47bn | 35.00 | 14.45 | 1.24 | 14.46 | 6.42 | 10.81 | 10.81 | 24.64 | 125.96 | 0.1056 | -- | -- | 64,417,830.00 | 4.64 | 3.94 | 4.64 | 4.65 | 55.33 | 55.01 | 43.89 | 34.12 | -- | -- | 0.4701 | 13.32 | 4.49 | 1.42 | 3.59 | 1.10 | 72.99 | 2.59 |
| Vardhman Holdings Limited | -259.91m | 2.02bn | 16.19bn | 3.00 | 8.03 | 0.4618 | 9.19 | -- | 632.04 | 632.04 | -81.44 | 10,983.88 | -0.0077 | -- | -- | -86,636,000.00 | 5.99 | 8.73 | 5.99 | 8.73 | -- | -- | -- | 1,314.36 | -- | -- | 0.00 | 0.5641 | 153.23 | 10.50 | -19.07 | -1.74 | -- | 0.00 |
| Satin Creditcare Network Ltd | 25.16bn | 3.91bn | 16.28bn | 11.36k | 4.06 | 0.6408 | 3.92 | 0.6472 | 36.50 | 36.50 | 233.51 | 231.02 | 0.2451 | -- | 615.52 | 2,214,146.00 | 3.81 | 1.53 | 3.82 | 2.48 | -- | -- | 15.55 | 7.54 | -- | 1.83 | 0.7675 | -- | 44.19 | 9.52 | 8,957.32 | 16.72 | -6.90 | -- |
| Fusion Finance Ltd | 25.49bn | -815.20m | 17.71bn | 13.81k | -- | 0.7022 | -- | 0.6951 | -8.14 | -8.14 | 253.04 | 250.63 | 0.2326 | -- | 199.34 | 1,845,846.00 | -0.744 | 2.99 | -0.7629 | 5.44 | -- | -- | -3.20 | 15.15 | -- | 2.32 | 0.774 | -- | 33.00 | 37.23 | 30.52 | 58.40 | 45.60 | -- |
| Mufin Green Finance Ltd | 1.17bn | 170.80m | 18.23bn | 481.00 | 102.68 | -- | 92.15 | 15.55 | 1.09 | 1.09 | 7.46 | -- | -- | -- | -- | 2,437,742.00 | -- | 4.16 | -- | 5.70 | 49.99 | 69.51 | 14.50 | 29.47 | -- | -- | -- | -- | 178.23 | 96.10 | 97.89 | 42.51 | -- | -- |
| Spandana Sphoorty Financial Ltd | 25.75bn | 954.12m | 26.00bn | 13.10k | 28.89 | 0.7415 | 4.69 | 1.01 | 12.62 | 12.62 | 356.62 | 491.78 | 0.2257 | -- | 39.60 | 1,966,386.00 | 0.8365 | 2.69 | 0.8369 | 3.84 | -- | -- | 3.71 | 13.32 | -- | 2.02 | 0.6912 | 0.00 | 66.32 | 17.43 | 3,965.45 | 9.93 | 27.05 | -- |
| Repco Home Finance Ltd | 16.03bn | 4.45bn | 27.60bn | 1.08k | 6.20 | 0.864 | 6.20 | 1.72 | 71.15 | 71.15 | 256.07 | 510.58 | 0.1157 | -- | -- | 14,897,400.00 | 3.04 | 2.36 | 3.04 | 2.63 | 43.35 | 43.39 | 26.31 | 21.27 | -- | -- | 0.7822 | 5.41 | 18.76 | 5.09 | 31.63 | 10.82 | 26.44 | 3.71 |
| Muthoot Microfin Ltd | 25.32bn | 4.19bn | 30.50bn | 13.87k | 7.03 | 1.03 | 6.65 | 1.20 | 25.89 | 25.89 | 154.37 | 175.99 | 0.2332 | -- | 0.2728 | 1,826,278.00 | 3.86 | 2.29 | 3.93 | 2.35 | 98.89 | 98.40 | 16.55 | 11.35 | -- | 1.92 | 0.7408 | 0.00 | 58.89 | 26.02 | 174.32 | 17.44 | 20.21 | -- |
| IndoStar Capital Finance Ltd | 14.04bn | 806.60m | 34.78bn | 3.07k | 43.18 | 1.04 | 30.52 | 2.48 | 5.92 | 7.98 | 103.05 | 246.37 | 0.1270 | -- | -- | 4,578,651.00 | 0.7297 | -1.84 | 0.7297 | -1.91 | -- | 99.95 | 5.74 | -14.46 | -- | 1.30 | 0.682 | -- | 21.51 | 2.93 | -48.55 | -13.62 | -9.65 | -- |
| Fedbank Financial Services Ltd | 17.86bn | 2.68bn | 34.99bn | 4.30k | 12.84 | 1.46 | 11.29 | 1.96 | 7.33 | 7.33 | 48.84 | 64.59 | 0.1571 | -- | 100.38 | 4,155,863.00 | 2.36 | -- | 2.36 | -- | 98.70 | -- | 15.00 | -- | -- | 2.03 | 0.8062 | -- | 2,715.94 | -- | 35.84 | -- | -- | -- |
Data as of Nov 22 2024. Currency figures normalised to Spandana Sphoorty Financial Ltd's reporting currency: Indian Rupee INR
16.33%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Valiant Capital Management LPas of 30 Jun 2024 | 5.54m | 7.77% |
| Goldman Sachs Asset Management LPas of 30 Aug 2024 | 2.63m | 3.68% |
| ICICI Prudential Life Insurance Co. Ltd. (Invt Port)as of 30 Jun 2024 | 1.74m | 2.44% |
| Kotak Mahindra Life Insurance Co., Ltd.as of 30 Jun 2024 | 778.39k | 1.09% |
| BlackRock Fund Advisorsas of 07 Nov 2024 | 308.05k | 0.43% |
| Dimensional Fund Advisors LPas of 31 Jul 2024 | 268.97k | 0.38% |
| Mediolanum International Funds Ltd.as of 28 Jun 2024 | 160.79k | 0.23% |
| BlackRock Advisors (UK) Ltd.as of 07 Nov 2024 | 103.73k | 0.15% |
| Eaton Vance Managementas of 30 Sep 2024 | 62.34k | 0.09% |
| Motilal Oswal Asset Management Co. Ltd.as of 31 Oct 2024 | 57.45k | 0.08% |
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Data from 30 Sep 2024 - 31 Oct 2024Source: FactSet Research Systems Inc.
