Spandana Sphoorty Financial Limited (SPANDANA) — Cash Flow-to-Debt Ratio
Spandana Sphoorty Financial Limited (SPANDANA) has a Cash Flow-to-Debt Ratio of 0.39x as of September 2025, meaning its operating cash flow of Rs13.30 Billion could theoretically repay 0% of its total liabilities (Rs34.52 Billion) in one year. See SPANDANA financial flexibility score to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Spandana Sphoorty Financial Limited Cash Flow-to-Debt Ratio (2013–2025)
Historical debt coverage capacity for Spandana Sphoorty Financial Limited across 13 annual periods. For the full cash flow conversion analysis, see Spandana Sphoorty Financial Limited (SPANDANA) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Spandana Sphoorty Financial Limited (2013–2025)
Year-by-year debt coverage analysis for Spandana Sphoorty Financial Limited. Check Spandana Sphoorty Financial Limited (SPANDANA) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | -0.22x | Rs-12.76 Billion | Rs58.60 Billion | ▲ +21.7% |
| 2024 | -0.28x | Rs-27.07 Billion | Rs97.38 Billion | ▲ +19.5% |
| 2023 | -0.35x | Rs-21.71 Billion | Rs62.83 Billion | ▼ -259.7% |
| 2022 | 0.22x | Rs8.63 Billion | Rs39.86 Billion | ▲ +171.9% |
| 2021 | -0.30x | Rs-17.54 Billion | Rs58.26 Billion | ▼ -2768.0% |
| 2020 | -0.01x | Rs-351.70 Million | Rs33.50 Billion | ▲ +94.4% |
| 2019 | -0.19x | Rs-5.73 Billion | Rs30.41 Billion | ▲ +75.9% |
| 2018 | -0.78x | Rs-18.55 Billion | Rs23.74 Billion | ▼ -1228.7% |
| 2017 | -0.06x | Rs-588.83 Million | Rs10.01 Billion | ▼ -198.9% |
| 2016 | 0.06x | Rs1.14 Billion | Rs19.16 Billion | ▲ +178.1% |
| 2015 | -0.08x | Rs-1.82 Billion | Rs23.89 Billion | ▼ -195.9% |
| 2014 | 0.08x | Rs1.73 Billion | Rs21.84 Billion | ▲ +252.5% |
| 2013 | -0.05x | Rs-1.29 Billion | Rs24.84 Billion | — |