Spandana Sphoorty Financial Ltd (BOM:890221)

Q1 2027 Spandana Sphoorty Financial Ltd Earnings Call Transcript

Jul 23, 2026 / 03:30 AM GMT

Release Date Price: ₹142.05 (-10.32%)

Transcript

Key Points

Positve

Spandana Sphoorty Financial Ltd (BOM:542759) reported an 11% quarter-on-quarter growth in Assets Under Management (AUM), reaching INR 4,887 crores.
The company achieved a high collection efficiency rate of 99.5%, indicating strong repayment discipline among borrowers.
The annualized credit cost improved significantly to 2.1% from 3.2% in the previous quarter.
The marginal cost of funding decreased to 11.3% from 12%, reflecting improved borrowing conditions.
Profit After Tax (PAT) increased to INR 12 crores from INR 5 crores in the previous quarter, showcasing enhanced profitability.

Negative

The company faces challenges in expanding its market share in Tamil Nadu and Maharashtra, where its current presence is relatively small.
There are concerns about the impact of El Nino on new customer acquisition in certain districts, which could affect future growth.
The company is dealing with a large 90-plus day delinquent pool, which requires focused recovery efforts.
Operational expenses remain a concern, with a need for further optimization to maintain profitability.
The company has a relatively low provision coverage on Stage 1 assets compared to industry peers, which could pose a risk in adverse conditions.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SPAD.NS - Spandana Sphoorty Financial Ltd
Q1 2027 Spandana Sphoorty Financial Ltd Earnings Call
Jul 24, 2026 / 03:30AM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Ladies and gentlemen, good day and welcome to the Spandana Spurti Financial Limited Q1 FY27 Earnings Conference Call.

This conference call may contain forward-looking statements about the company which are based on the beliefs, opinions and expectations of the company as on the date of this call. These statements do not guarantee the future performance of the company and it may involve risks and uncertainties that are difficult to predict.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing *,

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.