Spandana Sphoorty Financial Ltd's Q4FY25 Quarter Results
- 31 May 2025
Result Summary
- Spandana Sphoorty Financial Ltd reported a 23.9% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 33.1%.
- Its expenses for the quarter were down by 10.2% QoQ and up 63.0% YoY.
- The net profit decreased 129.2% QoQ and increased 21.9% YoY.
- The earnings per share (EPS) of Spandana Sphoorty Financial Ltd stood at 17.7 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 709.60 | 572.59 | 533.01 | 23.9% | 33.1% |
Total Expenses | 443.59 | 494.15 | 272.22 | -10.2% | 63.0% |
Profit Before Tax | 172.17 | -587.63 | 138.56 | -129.3% | 24.3% |
Tax | 43.51 | -147.39 | 33.02 | -129.5% | 31.8% |
Profit After Tax | 128.66 | -440.24 | 105.54 | -129.2% | 21.9% |
Earnings Per Share | 17.70 | -61.70 | 14.80 | -128.7% | 19.6% |
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 microfinance institution in India, primarily engaged in providing financial services to women in rural and semi-urban areas. The company focuses on extending micro-loans to low-income households, offering them financial inclusion and support for entrepreneurial and day-to-day needs. Spandana Sphoorty operates in a competitive microfinance sector that is characterized by its extensive outreach to unbanked and underbanked segments of the population. As of the most recent updates, there are no specific major developments mentioned in the available data, and further details are not available.
Revenue
For Q4FY25, Spandana Sphoorty Financial Ltd reported a total income of ₹709.60 crores, showing a robust quarter-over-quarter (QoQ) growth of 23.9% compared to Q3FY25, where the income was ₹572.59 crores. Year-over-year (YoY), the total income increased by 33.1% from Q4FY24, when it was ₹533.01 crores. This substantial increase in revenue indicates an upward trend in the company’s income generation for this quarter compared to both the previous quarter and the same quarter last year. The revenue growth is a critical indicator of the company's enhanced performance in terms of sales and service offerings during this period.
Profitability
In Q4FY25, Spandana Sphoorty Financial Ltd achieved a significant improvement in profitability, with a profit before tax of ₹172.17 crores. This is a major turnaround from Q3FY25, where the company reported a loss of ₹587.63 crores, reflecting a QoQ change of -129.3%. Compared to Q4FY24, when the profit before tax was ₹138.56 crores, there is a YoY increase of 24.3%. The profit after tax for Q4FY25 was ₹128.66 crores, marking a recovery from a loss of ₹440.24 crores in Q3FY25 and an increase from ₹105.54 crores in Q4FY24, representing YoY growth of 21.9%. Earnings per share also improved to ₹17.70 in Q4FY25 from a negative value in the previous quarter and ₹14.80 in the same quarter last year, showing a YoY increase of 19.6%.
Operating Metrics
Spandana Sphoorty Financial Ltd's total expenses for Q4FY25 amounted to ₹443.59 crores, which is a reduction of 10.2% QoQ from ₹494.15 crores in Q3FY25. However, compared to Q4FY24, total expenses increased by 63.0% from ₹272.22 crores. This indicates a significant change in the company's expense structure over the year. The tax expense for Q4FY25 was ₹43.51 crores, compared to a tax credit in Q3FY25 of -₹147.39 crores, marking a QoQ change of -129.5%. Compared to Q4FY24, where the tax was ₹33.02 crores, there was a YoY increase of 31.8%. These operating metrics reflect changes in the company's cost management and tax strategies over the period under review.