Close 2026-08-21 1267 scanned A

SPANDANA

Spandana Sphoorty Financial Limited
Small capRs 1,930 crRs 4.2 cr traded a day
Close on 2026-08-21
241.30
−0.88%
52-week range45% of the way up
184.15310.55
Market cap
1,930 cr
Revenue YoY
-60.0%
Q1 FY27
Profit YoY
-78.7%
Net margin
4.2%
-3.7pt vs a year ago
Growth trend
+1.6pt
vs last quarter’s YoY
1 month
-17.4%
Below 52w high
28.7%
RSI (14)
31
Daily swing
3.1%
average true range
Volume
0.4×
vs 20-day average
Traded
Rs 4 cr
median day
Close200-day averageMaterial filing
200250300Aug 25Oct 25Dec 25Feb 26Apr 26Jun 26Aug 26
260 sessions · hover for the filing behind a move
1 week
−1.83%
1 month
−17.43%
3 months
−7.70%
6 months
−6.83%
1 year
−4.61%

The read

written from the numbers on this page
The evidence leans negative1 supporting, 4 against, 0 worth knowing

Supporting

  • net margin has widened from -79.4% to 4.2% across four quarters

Against

  • trading 4% below its 200-day average
  • down 5% over twelve months
  • 1 of the scans it matches has historically underperformed the market
  • revenue fell 60% year on year in the quarter ending 2026-06-30

Worth knowing

  • nothing the data supports either way
What would change this read: a close back above 251, its 200-day average.
Assembled automatically from the figures on this page — the scans matched, their measured record, the filed financials, the derivatives positioning and the peer comparison. It is not a recommendation, no one has spoken to the company, and every claim above can be checked against a number further down this page.

What is working, what is not

read from the filings, with the figure behind every line
Working1

Net margin moved from -31.5% to 4.2%.

-31.5%4.2%
Needs watching1

Revenue -58.6% year on year, Rs 686 cr to Rs 284 cr.

-58.6%Rs 686 crRs 284 cr
Every figure here is computed from the company’s own filings. The wording is generated directly from the figures.

How it has performed

price return over each window, measured against zero
-1.8%1W-17.4%1M-7.7%3M-6.8%6M-4.6%1Y

What the scans say today

3 of 47 matched on 2026-08-21
SPANDANA matches 3 of the 47 scans today, across 2 different kinds of evidence.

Quality of the business

balance sheet as at 2026-03-31
Return on equity
-24.3%
trailing profit over shareholders’ funds
Return on capital
-32.3%
pre-tax profit over equity plus borrowings
Debt to equity
0.00×
0 cr borrowed against 2,129 cr of equity
Net debt
769 cr
cash exceeds borrowings
Return on capital uses profit before tax over equity plus borrowings. The textbook version adds finance costs back; those are not tagged reliably in quarterly filings, so this understates the ratio for a heavily borrowed company rather than flattering it. Balance sheets are filed half-yearly, so these can be up to six months behind the profit figures above.

Valuation against its own history

500 sessions since 2024-09-06
11×
median 22×
32×
now 20×
SPANDANA trades at 20× trailing earnings, close to its median of 22× over this window. The band runs from the 5th to the 95th percentile, so single-day spikes do not set the edges.
This window is short by the standards of valuation history — it begins where four quarters of filed earnings first exist. A stock can look cheap against two years and expensive against ten.

Recent filings

from the exchange, newest first
Other filing filings were typically -0.08pt vs the market over the next 5 sessions (n=12,093) · AGM / EGM filings were typically +0.00pt vs the market over the next 5 sessions (n=4,362) · M&A filings were typically +0.23pt vs the market over the next 5 sessions (n=981)

The business

from the company’s filed results
Everything below is taken from the company’s own quarterly filing with the exchange — the XBRL document it submitted, not a vendor’s summary of it. Figures in rupees crore.
62667671068655523426028420.4%-79.4%4.2%Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q3 FY26Q4 FY26Q1 FY27
RevenueNet profit, drawn inside its revenue barNet margin, own scale belowrupees crore, per quarter as filed. Revenue bars start at zero.

Going for it

  • net margin widened from 2.0% to 4.2%

Going against it

  • revenue fell 60% against the same quarter a year earlier
  • profit dropped 79% year on year
  • the company has not been profitable over the last four filed quarters
Quarter-by-quarter numbers, as filed
QuarterRevenueProfit before taxNet profitEPSNet margin
Q1 FY27
2026-06-30 · consolidated
28418121.494.2%
Q4 FY26
2026-03-31 · consolidated
260850.662.0%
Q3 FY26
2025-12-31 · consolidated
234-125-95-40.6%
Q3 FY25
2024-12-31 · consolidated
555-588-440-61.73-79.4%
Q2 FY25
2024-09-30 · consolidated
686-289-216-30.34-31.5%
Q1 FY25
2024-06-30 · consolidated
71075567.817.8%
Quarterly filings are unaudited unless stated. Consolidated figures are used where the company files both. A single quarter is a noisy thing — the trend across the column is worth more than the top row.

Where the price stands

the same figures every scan on this site is computed from
Trend
Distance from the averages traders watch. Above all of them is a bull phase; below the 200-day is the line most investors use to say otherwise.
Versus 50-day average-10.5%
Versus 200-day average-4.0%
Below 52-week high-22.3%
Above 52-week low+31.0%
Momentum
How hard it has been pushed lately. Above 70 on RSI is stretched, below 30 is washed out — neither is a signal on its own.
RSI (14)30.7
Higher closes in last 52 of 5
Six-month return−6.83%
Risk and liquidity
What a position costs to hold and to exit. Position sizing starts with the daily swing, not with conviction.
Typical daily swing (ATR)3.14%
Volume versus 20-day0.4x
Median daily turnoverRs 4.2 cr