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Spandana Sphoorty Financial Limited Q3 FY26 results press release summary

NSE: SPANDANA · BSE: 542759

Results press release of 27 Jan 2026, summarised by AI from the filing.

Spandana reports Q3FY26 net loss of ₹95 crore despite 27% QoQ disbursement growth to ₹1,188 crore and improved asset quality.

Key takeaways

  1. Result Net loss of ₹95 cr in Q3FY26 due to technical write-offs, subdued income and one-off labour code impacts.
  2. Guidance No forward guidance provided.
  3. Change Disbursement grew 27% QoQ to ₹1,188 cr from ₹934 cr in Q2FY26.
  4. Driver Cautious customer selection reflected in 58% of microfinance AUM (FY26 sourcing) reporting 99.8% Net Collection Efficiency.
  5. Risk Net loss of ₹95 cr in Q3FY26 due to technical write-offs, subdued income and one-off labour code impacts.

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.