Spandana Sphoorty Financial Limited Q1 FY27 earnings call summary

Earnings call of 24 Jul 2026, summarised by AI from the filing.

NIM improved to 12.5% from 9.9% on higher yield and lower borrowing cost.

Key takeaways

1. Change NIM improved to 12.5% from 9.9% on higher yield and lower borrowing cost.
2. Risk El Nino could impact collections; management has proactive measures for select districts.

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

• Q1 FY27: Earnings call (24 Jul 2026), Results deck (23 Jul 2026), Results press release (23 Jul 2026)
• Q4 FY26: Earnings call (5 May 2026), Results deck (5 May 2026)
• Q3 FY26: Earnings call (27 Jan 2026), Results deck (27 Jan 2026), Results press release (27 Jan 2026)
• Q2 FY26: Earnings call (31 Oct 2025), Results deck (31 Oct 2025), Results press release (31 Oct 2025)
• Q1 FY26: Earnings call (14 Aug 2025), Results deck (14 Aug 2025)
• Q4 FY25: Earnings call (30 May 2025), Results deck (30 May 2025), Results press release (30 May 2025)
• Other events: Special call (23 Apr 2025)