Spandana Sphoorty Financial Ltd.

NSE: SPANDANA BSE: 542759 SECTOR: Finance - NBFC  27k   108   14

407.80
+9.25 (2.32%)
NSE: 24 Jun 03:56 PM

Price Summary

Today's High

₹ 436.75

Today's Low

₹ 402.1

52 Week High

₹ 746

52 Week Low

₹ 286.65

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

2893.23 Cr.

Advances

6616.31 Cr.

No. of Shares

7.09 Cr.

P/E

41.32

P/B

0.97

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  419.9

Operating Revenue

1442.91 Cr.

Net Profit

128.98 Cr.

Promoter Holding

62.62 %

EPS (TTM)

₹  9.87

Sales Growth

2.37

ROE

4.86 %

ROCE

8.82%

Profit Growth

-61.69 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year2.37%
3 Year34.94%
5 Year33.22%

Profit Growth

1 Year-61.69%
3 Year-11.8%
5 Year-11.92%

ROE%

1 Year4.86%
3 Year12.92%
5 Year15.07%

ROCE %

1 Year8.82%
3 Year15.48%
5 Year17.62%

ROA%

1.81967187442907

PEG Ratio

NA

PAT Margin (%)

8.93905004140952

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2022 62.62 12.37
Dec 2021 62.29 0
Sep 2021 62.29 0
Jun 2021 62.38 0
Mar 2021 62.38 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 5.26547668638254% in last 3 years.
  • The company is trading at 1.43918430991391 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 34.9369905803738%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 28.8951963061747%.

 Limitations

  • PAT margin has shrunk by 14.9486650547319%.
  • Provision and contingencies have increased by 34.9913474532569%.
  • Promoter pledging is high as 12.37%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021
Operating Revenue 327.07 459.21 412.99 372.45 327.72
Other Income 6.25 6.4 0.49 0.14 2.95
Interest Expended 113.39 135.3 137.42 143.22 131.6
Operating Expenses 255.76 271.26 212.23 300.14 144.16
Total Provisions 0 0 0 0 0
Depreciation 1.97 2.41 2.41 1.22 2.32
Profit Before Tax -37.79 56.64 61.43 -71.99 52.59
Tax -7.43 15 13.91 -13.11 12.86
Net Profit -30.36 41.64 47.52 -58.88 39.73

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 371.47 587.27 1036.28 1409.49 1442.91
Other Income 56.14 35.63 482.4 241.78 24.58
Interest 209.64 232.39 358.12 357.45 419.26
Operating Expenses 94.3 104.94 164.15 205.06 213.81
Total Provisions 48.9 2.86 527.02 490.61 656.79
Exceptional Items 0 0 0 0 0
Profit Before Tax 74.78 282.72 469.38 598.14 177.63
Tax 21.83 94.75 160.63 261.45 48.65
Profit After Tax 52.95 187.97 308.75 336.69 128.98
Adjusted EPS (Rs.) 18.6 63.17 51.77 52.35 20.05

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 929.47 29.76 59.63 64.32 64.32
Total Reserves -392.23 1360.9 1826.74 2543.82 2651.59
Borrowings 537.73 2331.34 2945.11 3011.19 5197.43
Other N/C liabilities 846.9 -383.69 -199.49 -4.15 -102.93
Current liabilities 491.31 41.88 66.21 319.7 431.12
Total Liabilities 2413.18 3380.18 4698.2 5934.88 8241.52
Assets
Loans 1116.61 3089.63 4165.39 4905.14 6616.31
Net Block 9.01 8.46 9.24 16.43 20.47
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 0.1 2.1 64.64 549.86 114.62
Other Loans 6.47 6.26 10.53 20.41 18.15
Other N/C Assets 2.26 0 0 0 0
Current Assets 1278.73 273.74 448.41 443.05 1471.96
Total Assets 2413.18 3380.18 4698.2 5934.88 8241.52
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Promoters 62.38 62.38 62.29 62.29 62.62
total - - - 37.65 37.65
kangchenjunga limi... 45.50 45.50 42.41 - -
padmaja gangireddy 15.99 15.99 14.91 30.39 30.39
vijaya sivarami re... 0.80 0.80 0.72 7.26 7.26
kedaara capital fu... - - 4.57 - -
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Investors 37.62 37.62 37.71 37.71 37.38
total - - - 62.35 62.35
jm financial trust... - - - 32.29 32.29
valiant mauritius ... - - - 19.54 19.54
qualified institut... - - - - -
valiant mauritius ... 5.98 5.98 5.57 - -
jm financial india... - 2.50 - - -
icici prudential l... 4.74 4.74 4.42 - -
helion venture par... - - - 4.48 3.59
helion venture par... - - - 2.96 3.85
valiant mauritius ... 2.74 2.74 3.66 - -
jm financial india... 2.50 - 2.33 - -
valiant india oppo... 1.96 1.96 2.46 - -
goldman sachs fund... 1.17 1.17 1.90 - -
goldman sachs indi... - - - - -
valiant mauritius ... 1.20 1.20 1.60 - -
lok capital llc - - - 1.57 1.57
edelweiss alternat... 1.25 1.25 - - -
edelweiss alternat... - - 1.16 - -
koteswaramma enumu... - - - 1.12 1.12
helion venture par... 1.01 1.01 - - -
sidbi - - - 0.25 0.25
venkata ramana red... - - - 0.06 0.06
bala deepti gangi ... - - - 0.05 0.05
rajasekharbabu red... - - - 0.03 0.03

Annual Reports

Ratings & Research Reports

Company Presentations

  • ConcallQ2FY20 9 Jan 2020
  • PresentationQ2FY20 9 Jan 2020
  • PresentationQ1FY21 3 Sep 2020
  • PresentationQ4FY21 24 May 2021
  • PresentationQ2FY21 17 Nov 2020
  • PresentationQ3FY22 17 Feb 2022
  • PresentationQ2FY22 11 Jan 2022
  • PresentationQ3FY21 10 Feb 2021

Company News

Spandana Sphoorty Financial informs about press release23 Jun 2022, 11:33AM Spandana Sphoorty Financial raises Rs 40 crore through NCDs17 Jun 2022, 10:23AM Spandana Sphoorty Financial gets nod to raise Rs 40 crore through NCDs15 Jun 2022, 11:04AM Spandana Sphoorty Financial informs about board meeting10 Jun 2022, 2:03PM Spandana Sphoorty Financial to raise funds through NCDs10 Jun 2022, 10:00AM Spandana Sphoorty Financial informs about cancellation of meeting4 Jun 2022, 1:58PM Spandana Sphoorty Financial informs about allotment of securities21 May 2022, 11:54AM Spandana Sphoorty Financial informs about board meeting outcome 21 May 2022, 11:51AM Spandana Sphoorty Financial gets nod to raise Rs 75 crore through NCDs21 May 2022, 11:08AM Spandana Sphoorty Financial informs about certificate13 Apr 2022, 12:53PM Spandana Sphoorty Financial informs about disclosure31 Mar 2022, 9:57AM Spandana Sphoorty Financial informs about disclosure19 Mar 2022, 12:52PM Spandana Sphoorty Financial informs about declaration of results of postal ballot17 Mar 2022, 9:47AM Spandana Sphoorty Financial informs about investors presentation15 Feb 2022, 12:25PM Spandana Sphoorty - Quaterly Results14 Feb 2022, 6:26PM Spandana Sphoorty - Quaterly Results14 Feb 2022, 6:26PM Spandana Sphoorty Financial gets nod to raise fund through various mode10 Jan 2022, 4:40PM Spandana Sphoorty Financial informs about investors presentation6 Jan 2022, 4:58PM Spandana Sphoorty Financial reports consolidated net loss of Rs 58 crore in Q26 Jan 2022, 9:57AM Spandana Sphoorty - Quaterly Results5 Jan 2022, 7:51PM Spandana Sphoorty - Quaterly Results5 Jan 2022, 7:51PM Spandana Sphoorty Financial informs about trading window closure5 Jan 2022, 11:50AM Spandana Sphoorty Financial informs about outcome of board meeting30 Nov 2021, 12:16PM Spandana Sphoorty Financial informs about analyst meet14 Sep 2021, 2:25PM Spandana Sphoorty Financial informs about allotment of NCDs 4 Aug 2021, 11:21AM Spandana Sphoorty Financial raises Rs 130 crore via NCDs23 Jul 2021, 10:40AM Spandana Sphoorty Financial informs about outcome of committee meeting17 Jul 2021, 2:18PM Spandana Sphoorty Financial informs about outcome of committee meeting13 Jul 2021, 3:14PM Spandana Sphoorty Financial informs about closure of trading window28 Jun 2021, 11:39AM Spandana Sphoorty Financial raises Rs 337.5 crore through market-linked debentures24 Jun 2021, 9:21AM Spandana Sphoorty Financial informs about annual secretarial compliance report26 May 2021, 12:12PM Spandana Sphoorty Financial informs about investors presentation24 May 2021, 9:47AM Spandana Sphoorty Financial informs about disclosure22 May 2021, 3:47PM Spandana Sphoorty Financial gets nod to invest upto Rs 50 crore in CFHL 12 Mar 2021, 11:13AM Spandana Sphoorty Financial informs about disclosure 11 Mar 2021, 3:52PM Spandana Sphoorty Financial informs about outcome of committee meeting6 Mar 2021, 11:51AM Spandana Sphoorty Financial informs about analysts meet6 Mar 2021, 11:10AM Spandana Sphoorty Financial gets approval to raise Rs 120 crore through NCDs24 Feb 2021, 4:50PM Spandana Sphoorty Financial informs about outcome of committee meeting24 Feb 2021, 1:04PM Spandana Sphoorty Financial informs about conference Call6 Feb 2021, 11:06AM Spandana Sphoorty Financial informs about board meeting17 Dec 2020, 4:31PM Spandana Sphoorty Financial raises Rs 50 crore through NCDs28 Nov 2020, 10:24AM Spandana Sphoorty Financial informs about disclosure on related party transactions26 Nov 2020, 3:12PM Spandana Sphoorty Financial raises Rs 100 crore through NCDs25 Nov 2020, 9:03AM Spandana Sphoorty Financial informs about Conference Call13 Nov 2020, 10:27AM Spandana Sphoorty Financial informs about record date27 Oct 2020, 10:36AM Spandana Sphoorty raises Rs 25 crore through NCDs30 Sep 2020, 10:38AM Spandana Sphoorty Financial raises Rs 25 crore via NCDs 9 Sep 2020, 9:45AM Spandana Sphoorty Financial raises Rs 100 crore via NCDs20 Jun 2020, 9:27AM Spandana Sphoorty Financial gets nod to raise funds through NCDs13 Jun 2020, 2:14PM

Spandana Sphoorty Stock Price Analysis and Quick Research Report. Is Spandana Sphoorty an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Spandana Sphoorty better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 128.982 Cr and the compounded growth of profit in the past 3 years is -11.7976891531241 %. The PAT margin of Spandana Sphoorty is 8.93905004140952 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Spandana Sphoorty , the EPS declined by -61.6917028966128 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of Spandana Sphoorty is at 4.864977102185 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Spandana Sphoorty is worth at the current levels at Rs 407.8. The stock is trading at a current P/E ratio of 30.1350805546829 and the average historical P/E for the last 5 years was 8.27015279652686.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Spandana Sphoorty is trading at a P/B of 0.9452 . The average historical P/B for the last 5 years was 0.578125884133888. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Spandana Sphoorty

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