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. Check Spandana Sphoorty Financial Limited PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.

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. See SPANDANA equity to assets ratio to measure how much of total assets are equity-financed.

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. For market capitalisation and broader financial context, see Spandana Sphoorty Financial Limited stock valuation.

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
Vakif Finansal Kiralama AS IS:VAKFN	Credit Services	0.62%
Mastercard Inc NYSE:MA	Credit Services	0.60%
Indian Railway Finance Corporation Limited NSE:IRFC	Credit Services	0.09%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%
EN Shoham Business Ltd TA:SHOM	Credit Services	0.05%
Harmoney Corp Ltd AU:HMY	Credit Services	0.00%
FORIS AG F:FRS	Credit Services	0.54%
Mint Corp V:MIT	Credit Services	0.00%

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

$196.41 Million

Rs18.16 Billion INR

Market Cap Rank

#16694 Global

#870 in India

Share Price

Rs254.70

Change (1 day)

-0.76%

52-Week Range

Rs184.15 - Rs318.45

All Time High

Rs1360.30