Stock SPANDANA SPANDANA SPHOORTY FINANCIAL LIMITED
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Financials Spandana Sphoorty Financial Limited

Equities

SPANDANA

INE572J01011

Consumer Lending

End-of-day quote NSE India S.E.
Other stock markets
 06:00:00 2024-04-28 pm EDT 		5-day change 1st Jan Change
879.2 INR -0.11% Intraday chart for Spandana Sphoorty Financial Limited +0.06% -22.11%
Apr. 29 Spandana Sphoorty Financial Limited Reports Earnings Results for the Fourth Quarter Ended March 31, 2024 CI
Apr. 29 Transcript : Spandana Sphoorty Financial Limited, Q4 2024 Earnings Call, Apr 29, 2024

Valuation

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 37,782 38,988 22,932 37,823 62,681 - -
Enterprise Value (EV) 1 37,782 38,988 22,932 37,823 59,929 62,681 62,681
P/E ratio 10.5 x 27 x 31 x 306 x 12.1 x 9.38 x 7.34 x
Yield - - - - - - -
Capitalization / Revenue 4.65 x 3.87 x 2.49 x 3.71 x 3.73 x 3.2 x 2.53 x
EV / Revenue 4.65 x 3.87 x 2.49 x 3.71 x 3.73 x 3.2 x 2.53 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.44 x 1.42 x 0.74 x 1.22 x 1.75 x 1.47 x 1.23 x
Nbr of stocks (in thousands) 64,315 64,315 69,095 70,983 71,297 - -
Reference price 2 587.4 606.2 331.9 532.8 879.2 879.2 879.2
Announcement Date 6/2/20 5/22/21 7/11/22 5/2/23 4/29/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026
Net sales 1 8,129 10,064 9,227 10,192 16,072 19,617 24,746
EBITDA - - - - - - -
EBIT 1 8,920 8,456 5,774 5,622 9,532 11,885 15,069
Operating Margin 109.74% 84.02% 62.58% 55.16% 59.31% 60.58% 60.89%
Earnings before Tax (EBT) 1 6,185 2,004 968.7 178.3 6,706 8,997 11,561
Net income 1 3,515 1,450 694.7 123.2 5,007 6,778 8,631
Net margin 43.24% 14.41% 7.53% 1.21% 31.15% 34.55% 34.88%
EPS 2 55.74 22.47 10.72 1.740 69.38 93.78 119.7
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share - - - - - - -
Announcement Date 6/2/20 5/22/21 7/11/22 5/2/23 4/29/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2023 Q1 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales - 2,648 2,908 2,459 2,071 - 3,840 - 3,508 3,961 4,237
EBITDA - - - - - - - - - - -
EBIT 1 1,634 2,788 2,260 1,699 1,238 - 2,608 1,891 2,014 2,349 2,533
Operating Margin - 105.26% 77.72% 69.08% 59.77% - 67.91% - 57.42% 59.31% 59.79%
Earnings before Tax (EBT) 1 -365.6 671.7 710.8 -715 594.7 - - 1,605 1,592 1,796 1,737
Net income 1 -297.2 490.7 539.5 -579.4 450.1 -2,198 1,056 1,194 1,234 1,292 1,298
Net margin - 18.53% 18.55% -23.56% 21.74% - 27.49% - 35.18% 32.61% 30.64%
EPS - - - - - -31.42 - - - 15.30 17.60
Dividend per Share - - - - - - - - - - -
Announcement Date 2/9/21 5/22/21 8/14/21 1/5/22 2/14/22 8/4/22 5/2/23 7/24/23 - - -
1INR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 15.6% 5.4% 2.38% 0.4% 15% 17.9% 18.8%
ROA (Net income/ Total Assets) 6.44% 1.99% 0.89% 0.15% 4.6% 4.78% 4.95%
Assets 1 54,546 72,773 78,054 82,320 108,535 141,799 174,370
Book Value Per Share 2 408.0 427.0 447.0 437.0 503.0 598.0 716.0
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 6/2/20 5/22/21 7/11/22 5/2/23 4/29/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Spandana Sphoorty Financial Limited

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
8
Last Close Price
879.2 INR
Average target price
1,293 INR
Spread / Average Target
+47.05%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Microfinancing
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