Spandana Sphoorty Financial stock | Expectations for 2026, valuation & analysis

Spandana Sphoorty Fi...

NSEI:SPANDANA

Rp 192,58

+ Rp8,43 (4,58%)

192,58 Rp

+Rp8,43 (4,58%)

End-of-day quote: 04/02/2026

Spandana Sphoorty Financial Stock Value

The current analyst rating for NSEI:SPANDANA is Outperform.

Outperform

Spandana Sphoorty Financial Company Info

EPS Growth 5Y

-15,95%

Market Cap

Rp17,92 B

Long-Term Debt

Rp14,93 B

Quarterly earnings

N/A

Dividend

Rp0,00

Dividend Yield

0,00%

Founded

1998

Industry

Financials

Country

India

Website

Spandana Sphoorty Financial

ISIN Number

INE572J01011

Website

http://spandanasphoorty.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Rp260,00

35.01%

Last Update: 04/01/2026

Analysts: 5

Highest Price Target Rp445,00

Average Price Target Rp260,00

Lowest Price Target Rp215,00

In the last five quarters, Spandana Sphoorty Financial’s Price Target has fallen from Rp3.609,61 to Rp1.134,50 - a -68,57% decrease. Two analysts predict that Spandana Sphoorty Financial’s share price will increase in the coming year, reaching Rp260,00. This would represent an increase of 35,01%.

Top growth stocks in the financials sector (5Y.)

What does Spandana Sphoorty Financial do?

Spandana Sphoorty Financial Limited (Spandana Sphoorty) provides financial services for low-income households. The company offers diversified financial products and services that cater to the lifecycle needs of its customers. The company’s business model revolves around delivering financial services to underserved segments of the society, with a significant emphasis on microfinance. Business Segments Spandana Sphoorty operates through various business segments. Primarily, these segments includ...

Business Segments

Spandana Sphoorty operates through various business segments. Primarily, these segments include microfinance loans, skills development initiatives, and financial literacy programs.

Microfinance Loans

Microfinance segment focuses on offering small-ticket loans to women entrepreneurs and low-income households, enabling them to engage in income-generating activities. The company provides not just financial products, but also educational initiatives.

Skills Development Initiatives

Skills development through training programs aims at enhancing workforce participation among women and youth. These programs cover vocational skills that improve employment prospects and encourage entrepreneurship among participants. The company collaborates with various partners and stakeholders to design and deliver relevant skill development modules that align with market demands.

Financial Literacy Programs

Financial literacy is another critical component of the company’s offerings. The company undertakes initiatives to educate clients about personal finance management, savings, investments, and the responsible use of credit.

Business Strategy

Spandana Sphoorty’s business strategy is centered around scaling up while maintaining a close connection with the communities it serves. The company’s approach to growth includes enhancing product offerings, expanding geographical reach, and deepening customer engagement. The focus on innovation and the integration of technology plays a vital role in this strategy, enabling the company to deliver higher efficiency and responsiveness.

The strategy encompasses building partnerships with local organizations and community groups, which facilitates a deeper understanding of regional needs and ensures that the financial solutions provided are culturally relevant and effective.

Products and Services

The company provides a range of products and services aimed at facilitating financial inclusion and economic empowerment. The cornerstone of its offerings is microfinance, specifically designed for women entrepreneurs and low-income households. These microfinance products include group loans, individual loans, and other financial support tailored to meet the diverse needs of the community.

In addition to microloans, the company offers savings products that encourage clients to develop savings habits and build financial resilience. The intention behind these products is to promote fiscal responsibility and long-term financial planning among customers, thereby enhancing their economic security.

Furthermore, the company emphasizes skill development and vocational training programs, contributing substantially to community upliftment. These programs cover a broad spectrum of topics, including tailoring, handicrafts, and digital literacy, aimed at equipping individuals with skills that enhance employability and self-employment opportunities.

Moreover, financial literacy initiatives conducted by the company serve to educate clients about financial management. These sessions are intended to help individuals better understand their financial situations, navigate access to loans, and make informed financial decisions.

Geographical Markets Served

Spandana Sphoorty primarily serves rural regions across India, focusing on states with high concentrations of low-income households. The company has established a significant presence in various districts throughout its operational areas, ensuring that financial services reach the most underserved populations.

Customers

Spandana Sphoorty’s primary customer base consists of low-income households, particularly women, looking for financial support to manage their livelihoods effectively.

Sales and Marketing

Spandana Sphoorty utilizes a multi-channel approach for sales and marketing. This includes direct outreach through field agents who engage with potential clients in their communities. The marketing strategy also involves community programs, financial literacy workshops, and collaborations with local organizations, enhancing visibility and trust in the brand.

History

Spandana Sphoorty Financial Limited was founded in 1998. The company was incorporated in 2003.

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Spandana Sphoorty Financial Stock Value

Spandana Sphoorty Financial Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Spandana Sphoorty Financial do?

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Spandana Sphoorty Financial Stock Value

Spandana Sphoorty Financial Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Spandana Sphoorty Financial do?

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.