Spandana Sphoorty Financial's Q4 FY 2025-26 Quarterly Results

Result Summary

• Spandana Sphoorty Financial Ltd reported a 12.9% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 33.8%.
• Its expenses for the quarter were down by 8.1% QoQ and 27.1% YoY.
• The net profit decreased 105.5% QoQ and decreased 101.2% YoY.
• The earnings per share (EPS) of Spandana Sphoorty Financial Ltd stood at 0.66 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Spandana Sphoorty Financial Ltd is a prominent player in the financial services sector, primarily engaged in providing microfinance services. The company operates within the financial services industry, offering loans and financial solutions to underserved segments, particularly in rural areas. As a microfinance institution, Spandana Sphoorty aims to empower low-income households by providing them with access to financial resources, thus enabling income generation and economic stability. Recent major developments for the company are not specified in the provided data.

Revenue

In Q4FY26, Spandana Sphoorty Financial Ltd reported a total income of ₹277.17 crores, marking a quarter-over-quarter (QoQ) increase of 12.9% from ₹245.55 crores in Q3FY26. However, when compared year-over-year (YoY) to Q4FY25, where the total income was ₹418.92 crores, there is a significant decline of 33.8%. This fluctuation in revenue highlights the variability in income generation within the company's business model over the specified periods. The data provided indicates a focus on revenue generation and adaptation to changing market conditions.

Profitability

The profitability of Spandana Sphoorty Financial Ltd has shown notable improvement in Q4FY26 with a reported Profit Before Tax (PBT) of ₹8.02 crores. This represents a dramatic turnaround from the losses in Q3FY26, where PBT was at -₹125.45 crores, and in Q4FY25 at -₹577.62 crores. The quarter-over-quarter change in PBT is -106.4%, while the year-over-year change is -101.4%. The Profit After Tax (PAT) for Q4FY26 was ₹5.27 crores, compared to -₹95.00 crores in the previous quarter and -₹434.30 crores in the same quarter last year, indicating a -105.5% QoQ and -101.2% YoY change. The Earnings Per Share (EPS) also increased to ₹0.66 in Q4FY26 from -₹11.88 in Q3FY26, while it was ₹60.91 in Q4FY25.

Operating Metrics

Total expenses for Spandana Sphoorty Financial Ltd in Q4FY26 stood at ₹287.21 crores, decreasing by 8.1% from ₹312.56 crores in Q3FY26, and showing a year-over-year decrease of 27.1% from ₹393.78 crores in Q4FY25. The tax expense for the quarter was ₹2.75 crores, which reflects a substantial reduction from -₹30.45 crores in the previous quarter and -₹143.32 crores in the corresponding quarter of the prior year. The data indicates a significant shift in the company's operational cost structure and tax implications over these periods.