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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)24.59bn
- Net income in INR4.37bn
- Incorporated2003
- Employees13.10k
- LocationSpandana Sphoorty Financial LtdGalaxy, Wing B, 16th Floor, Plot No.1, SHYDERABAD 500081IndiaIND
- Phone+91 4 045474750
- Websitehttps://spandanasphoorty.com/
Peer analysis
- Key Information
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- Efficiency
- Management Effectiveness
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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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fusion Finance Ltd | 24.14bn | 3.49bn | 23.82bn | 13.81k | 6.84 | -- | 6.64 | 0.9865 | 34.60 | 34.60 | 239.39 | -- | -- | -- | -- | 1,748,403.00 | -- | 2.99 | -- | 5.44 | -- | -- | 14.47 | 15.15 | -- | 2.29 | -- | -- | 33.00 | 37.23 | 30.52 | 58.40 | 45.60 | -- |
| Dhani Services Ltd | 4.08bn | -3.63bn | 29.21bn | 7.00 | -- | -- | -- | 7.15 | -6.27 | -6.27 | 7.05 | -- | -- | -- | -- | 583,306,600.00 | -- | -4.15 | -- | -4.54 | 46.89 | 65.65 | -88.84 | -28.52 | -- | -- | -- | -- | -33.44 | -27.29 | 21.76 | -- | -31.21 | -- |
| Repco Home Finance Ltd | 15.68bn | 4.33bn | 32.31bn | 1.08k | 7.46 | -- | 7.53 | 2.06 | 69.24 | 69.24 | 250.48 | -- | -- | -- | -- | 14,571,280.00 | -- | 2.36 | -- | 2.63 | 44.13 | 43.39 | 26.22 | 21.27 | -- | -- | -- | 5.41 | 18.76 | 5.09 | 31.63 | 10.82 | 26.44 | 3.71 |
| Muthoot Microfin Ltd | -100.00bn | -100.00bn | 37.60bn | 10.23k | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 1.91 | -- | 1.98 | -- | 98.14 | -- | 9.76 | -- | -- | -- | 0.00 | 71.62 | 25.93 | 245.77 | 16.61 | 31.23 | -- |
| Spandana Sphoorty Financial Ltd | 24.59bn | 4.37bn | 40.64bn | 13.10k | 9.44 | -- | 4.54 | 1.65 | 60.39 | 60.39 | 339.87 | -- | -- | -- | -- | 1,877,428.00 | -- | 2.69 | -- | 3.84 | -- | -- | 17.77 | 13.32 | -- | 2.13 | -- | 0.00 | 66.32 | 17.43 | 3,965.45 | 9.93 | 27.05 | -- |
| IndoStar Capital Finance Ltd | 14.57bn | 1.02bn | 41.14bn | 3.07k | 40.43 | -- | 30.13 | 2.82 | 7.48 | 7.48 | 106.99 | -- | -- | -- | -- | 4,749,600.00 | -- | -1.84 | -- | -1.91 | -- | 99.95 | 6.99 | -14.46 | -- | 1.33 | -- | -- | 21.51 | 2.93 | -48.55 | -13.62 | -9.65 | -- |
| Fedbank Financial Services Ltd | 16.71bn | 2.61bn | 42.85bn | 4.30k | 15.62 | -- | 14.25 | 2.56 | 7.38 | 7.38 | 47.26 | -- | -- | -- | -- | 3,887,925.00 | -- | -- | -- | -- | 98.64 | -- | 15.62 | -- | -- | 2.05 | -- | -- | 2,715.94 | -- | 35.84 | -- | -- | -- |
| MAS Financial Services Ltd | 13.41bn | 2.66bn | 50.77bn | 1.59k | 17.31 | -- | 18.55 | 3.79 | 16.16 | 16.16 | 81.51 | -- | -- | -- | -- | 8,432,075.00 | -- | 2.98 | -- | 4.76 | 46.09 | 52.11 | 20.06 | 21.79 | -- | -- | -- | 6.74 | 31.10 | 16.26 | 23.51 | 10.33 | 61.89 | -2.34 |
| Paisalo Digital Ltd | 7.07bn | 1.82bn | 52.00bn | 2.41k | 24.01 | -- | 28.01 | 7.35 | 2.41 | 2.41 | 8.96 | -- | -- | -- | -- | 2,934,094.00 | -- | 3.37 | -- | 3.43 | 58.50 | 56.27 | 25.75 | 20.68 | -- | -- | -- | 5.67 | 39.01 | 12.77 | 91.17 | 25.99 | 0.9353 | 14.87 |
| 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 31 May 2024 | 1.45m | 2.04% |
| Kotak Mahindra Life Insurance Co., Ltd.as of 31 Jul 2024 | 728.49k | 1.02% |
| Edelweiss Asset Management Ltd.as of 31 Jul 2024 | 512.39k | 0.72% |
| BlackRock Fund Advisorsas of 04 Jul 2024 | 369.82k | 0.52% |
| Tata Asset Management Pvt Ltd.as of 31 Jul 2024 | 300.00k | 0.42% |
| JM Financial Asset Management Ltd.as of 31 Jul 2024 | 226.33k | 0.32% |
| Dimensional Fund Advisors LPas of 30 Apr 2024 | 215.18k | 0.30% |
| Manulife Investment Management (Hong Kong) Ltd.as of 31 Dec 2023 | 181.38k | 0.25% |
