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Spandana Sphoorty Financial Limited Q4 FY25 earnings call summary

NSE: SPANDANA · BSE: 542759

Earnings call of 30 May 2025, summarised by AI from the filing.

Spandana reported FY25 net loss of ₹1,035 cr and targets 20% AUM growth in FY26 with a rights issue planned for Q2 FY26.

Key takeaways

  1. Net loss ₹1,035 cr for FY25 on higher provisions.
  2. AUM growth Management targets about 20% growth from current base in FY26.
  3. Rights issue Board Committee formed for capital raise including possible rights issue in Q2 FY26 with promoter participation.
  4. Collection efficiency X-bucket 98.6% in March 2025 including Karnataka; 98.9% excluding Karnataka.
  5. Asset quality Standalone GNPA 4.85% at FY25 end, up 3.4% over FY24.

Original filing on BSE

Spandana Sphoorty Financial Limited Q1 FY27 results

As filed: Revenue ₹284 cr (−5% year on year), EBITDA ₹133 cr, PAT ₹11.9 cr, EBITDA margin 46.8%.

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹260 cr (−37% year on year), EBITDA ₹121 cr, PAT ₹5.3 cr, EBITDA margin 46.4% (+1,000 bps). Score 38 of 100, Below trend. Revenue growth was below the company's own trend. EBITDA margin rose 1000 bps year on year. Other income 218% of PBT. Share price after the results: −3.2% in 30 days (Nifty 500: −1.4%).
  • Q3 FY26: Revenue ₹234 cr (−58% year on year), EBITDA −₹24.1 cr, PAT −₹95.0 cr, EBITDA margin -10.3% (+1,000 bps). Score 43 of 100, In line with trend. Revenue growth was well below the company's own trend. EBITDA margin rose 1000 bps year on year. Share price after the results: +9.2% in 30 days (Nifty 500: +2.8%).
  • Q2 FY26: Revenue ₹230 cr (−66% year on year), EBITDA −₹213 cr, PAT −₹249 cr, EBITDA margin -92.6% (−1,000 bps). Score 15 of 100, Below trend. Revenue growth was well below the company's own trend. EBITDA margin fell 1000 bps year on year. Revenue fell 23% from last quarter. Share price after the results: +4.3% in 28 days (Nifty 500: +0.9%).
  • Q1 FY26: Revenue ₹300 cr (−58% year on year), EBITDA −₹327 cr (−205% year on year), PAT −₹360 cr (−300% year on year), EBITDA margin -109.0%. Score 15 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. Revenue fell 28% from last quarter. Share price after the results: +8.3% in 29 days (Nifty 500: +2.2%).
  • Q4 FY25: Revenue ₹415 cr (−39% year on year), EBITDA −₹390 cr (−199% year on year), PAT −₹434 cr (−300% year on year), EBITDA margin -94.0% (−1,000 bps). Score 16 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 1000 bps year on year. Revenue fell 25% from last quarter. Share price after the results: −3.7% in 28 days (Nifty 500: +3.6%).
  • Q3 FY25: Revenue ₹555 cr (−11% year on year), EBITDA −₹371 cr (−194% year on year), PAT −₹440 cr (−300% year on year), EBITDA margin -66.9% (−1,000 bps). Score 14 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 1000 bps year on year. Revenue fell 19% from last quarter.
  • Q2 FY25: Revenue ₹686 cr (+12% year on year), EBITDA −₹46.0 cr (−112% year on year), PAT −₹216 cr (−273% year on year), EBITDA margin -6.7% (−1,000 bps). Score 19 of 100, Below trend. EBITDA margin fell 1000 bps year on year. Not enough history for a trend yet: scored on growth alone. Revenue fell 3% from last quarter.

Past price moves after results do not indicate future moves. Not a recommendation.

Spandana Sphoorty Financial Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.