Spandana Sphoorty Financial Limited - Asset Resilience Ratio

Latest as of March 2025: 9.05%

Spandana Sphoorty Financial Limited (SPANDANA) has an Asset Resilience Ratio of 9.05% as of March 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See SPANDANA working capital efficiency to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

Rs7.68 Billion

≈ $83.11 Million USD Cash + Short-term Investments

Total Assets

Rs84.94 Billion

≈ $918.54 Million USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2016–2025)

This chart shows how Spandana Sphoorty Financial Limited's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see SPANDANA total asset value.

Liquid Assets Composition Over Time

This chart breaks down Spandana Sphoorty Financial Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Spandana Sphoorty Financial Limited (SPANDANA) long-term investment share to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs0.00	0%
Short-term Investments	Rs7.68 Billion	9.05%
Total Liquid Assets	Rs7.68 Billion	9.05%

Asset Resilience Insights

Limited Liquidity: Spandana Sphoorty Financial Limited maintains only 9.05% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company has significant short-term investments, indicating active treasury management.

Spandana Sphoorty Financial Limited Industry Peers by Asset Resilience Ratio

Compare Spandana Sphoorty Financial Limited's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Muthoot Finance Limited NSE:MUTHOOTFIN	Credit Services	6.00%
Gentera S.A.B. de C.V MX:GENTERA	Credit Services	0.95%
Hexa Tradex Limited NSE:HEXATRADEX	Credit Services	0.09%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%
Akme Fintrade India Ltd NSE:AFIL	Credit Services	2.68%
Wisr Ltd AU:WZR	Credit Services	0.02%
Starteck Finance Limited NSE:STARTECK	Credit Services	0.02%
ZIP Co Ltd AU:ZIP	Credit Services	0.13%

Annual Asset Resilience Ratio for Spandana Sphoorty Financial Limited (2016–2025)

The table below shows the annual Asset Resilience Ratio data for Spandana Sphoorty Financial Limited.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-03-31	9.05%	Rs7.68 Billion ≈ $83.11 Million	Rs84.94 Billion ≈ $918.54 Million	+1.65pp
2024-03-31	7.40%	Rs9.90 Billion ≈ $107.09 Million	Rs133.83 Billion ≈ $1.45 Billion	+5.15pp
2023-03-31	2.25%	Rs2.11 Billion ≈ $22.84 Million	Rs93.83 Billion ≈ $1.01 Billion	-3.77pp
2022-03-31	6.02%	Rs4.26 Billion ≈ $46.06 Million	Rs70.76 Billion ≈ $765.28 Million	+1.04pp
2021-03-31	4.98%	Rs4.27 Billion ≈ $46.18 Million	Rs85.77 Billion ≈ $927.56 Million	-9.65pp
2020-03-31	14.63%	Rs8.75 Billion ≈ $94.58 Million	Rs59.77 Billion ≈ $646.43 Million	+10.16pp
2019-03-31	4.47%	Rs2.20 Billion ≈ $23.84 Million	Rs49.32 Billion ≈ $533.35 Million	+3.96pp
2018-03-31	0.51%	Rs192.17 Million ≈ $2.08 Million	Rs37.64 Billion ≈ $407.09 Million	+0.59pp
2017-03-31	-0.08%	Rs-15.89 Million ≈ $-171.84K	Rs19.29 Billion ≈ $208.57 Million	+0.09pp
2016-03-31	-0.17%	Rs-35.42 Million ≈ $-383.05K	Rs21.00 Billion ≈ $227.10 Million	--

pp = percentage points

About Spandana Sphoorty Financial Limited

NSE:SPANDANA India Credit Services

Market Cap

$173.91 Million

Rs16.08 Billion INR

Market Cap Rank

#17163 Global

#908 in India

Share Price

Rs225.53

Change (1 day)

-0.04%

52-Week Range

Rs184.15 - Rs310.55

All Time High

Rs1360.30