| Margins | Yield at 22.8%; NIM contracted to 9.9% from 11.1%. |
|---|---|
| Demand visibility | Strong; 45% of last quarter's customers were new additions. |
| Management confidence | High; cited 'back in the black' after six quarters of pain. |
Growth
AUM ₹4,420 Cr (+12% QoQ); Disbursals ₹500 Cr/month; GNPA improved to 3.8% from 4.2%.
Outlook
Targeting ₹6,500 Cr AUM by FY27 and ₹9,000-10,000 Cr by FY28. Launching new individual loan products June/July.
Risks
Seasonal El Nino/fertilizer issues impacting rural portfolios; maintaining high collection efficiency (99.7%) amidst expansion.
Earnings Call filed with BSE, NSE: SPANDANA. Summary written with AI assistance from the document.
Spandana Sphoorty Financial Ltd: key numbers
- Share price
- ₹218.00
- Market cap
- ₹1,743 Cr
- Revenue (annual)
- ₹1,024 Cr
- Net profit (annual)
- ₹-699.1 Cr
- P/E (TTM)
- -5.3×Sector 21.9×
- Promoter holding
- 48.16%+0.00% QoQ
- FII holding
- 19.29%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Spandana Sphoorty Financial Ltd
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