Spandana Sphoorty Financial Ltd
NSE: SPANDANA BSE: 542759
₹230.60
(-0.17%)
Tue, 17 Mar 2026, 08:46 pm
Market Cap20.48B
PE Ratio0
Dividend0
Finance
Finance/Rental/Leasing
24.5KSpandana Sphoorty Financial Analysis
dividend
- Unable to evaluate Spandana Sphoorty Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
- Unable to evaluate Spandana Sphoorty Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.
future
- Spandana Sphoorty Financial's earnings growth is expected to exceed the India market average.
- Spandana Sphoorty Financial's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- Spandana Sphoorty Financial's earnings are expected to exceed the low risk growth rate next year.
- Performance (ROE) is expected to be above the current IN Consumer Finance industry average.
- An improvement in Spandana Sphoorty Financial's performance (ROE) is expected over the next 3 years.
- Spandana Sphoorty Financial's earnings are expected to grow by 19% yearly, however this is not considered high growth (20% yearly).
- Spandana Sphoorty Financial's net income is expected to increase but not above the 50% threshold in 2 years time.
- Spandana Sphoorty Financial is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- Spandana Sphoorty Financial's revenue is expected to increase but not above the 50% threshold in 2 years time.
- Spandana Sphoorty Financial's revenue is expected to grow by 0.1% yearly, however this is not considered high growth (20% yearly).
- Spandana Sphoorty Financial's revenue growth is positive but not above the India market average.
health
- Spandana Sphoorty Financial is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- Spandana Sphoorty Financial is profitable, therefore cash runway is not a concern.
- Spandana Sphoorty Financial is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.7x debt.
- Spandana Sphoorty Financial's cash and other short term assets cover its long term commitments.
- Spandana Sphoorty Financial had negative shareholder equity 5 years ago, it is now positive therefore their debt level has improved.
- Low level of unsold assets.
- Operating cash flow is negative therefore debt is not well covered.
- Spandana Sphoorty Financial's level of debt (115.2%) compared to net worth is high (greater than 40%).
management
- The tenure for the Spandana Sphoorty Financial board of directors is about average.
- Padmaja's remuneration is lower than average for companies of similar size in India.
- Padmaja's compensation has been consistent with company performance over the past year, both up more than 20%.
- More shares have been bought than sold by Spandana Sphoorty Financial individual insiders in the past 3 months.
misc
- Spandana Sphoorty Financial has significant price volatility in the past 3 months.
past
- Spandana Sphoorty Financial's year on year earnings growth rate has been positive over the past 5 years.
- Spandana Sphoorty Financial used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- Spandana Sphoorty Financial's earnings growth has exceeded the IN Consumer Finance industry average in the past year (12.7% vs 11%).
- Spandana Sphoorty Financial's 1-year earnings growth is less than its 5-year average (12.7% vs 19.4%)
- Spandana Sphoorty Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
value
- Spandana Sphoorty Financial is good value based on expected growth next year.
- Spandana Sphoorty Financial is good value based on earnings compared to the IN Consumer Finance industry average.
- Spandana Sphoorty Financial is good value based on earnings compared to the India market.
- Spandana Sphoorty Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- Spandana Sphoorty Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- Spandana Sphoorty Financial is overvalued based on assets compared to the IN Consumer Finance industry average.
- NSEI:SPANDANA is up 6.4% underperforming the Consumer Finance industry which returned 10.3% over the past month.
- NSEI:SPANDANA is up 6.4% underperforming the market in India which returned 8% over the past month.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800