Spandana Sphoorty Financial Limited (SPANDANA) Fair Value & Analysis
Financial Services · IN · Market cap ₹25.7B
Fair value as of: Jul 3, 2026
From 1 valuation models · updated today
Share price +17.5% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹184.15 – ₹318.45 · fair‑value band ₹149.32 – ₹298.63 · the ₹301.80 price screens above the ₹200.08 fair value. As of Jul 3, 2026.
✦ Which stocks are undervalued right now? Check free Discover now →Analysis
Spandana Sphoorty Financial Limited (SPANDANA) currently trades at ₹301.80, while our model-based Fair Value estimate is ₹200.08 — implying the stock looks roughly 33.7% overvalued today. We read business quality at 48/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).
Revenue grew 256.0% year over year. It earns a return on equity of -29.4%. Net debt stands at ₹26.7B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
Spandana Sphoorty Financial Limited engages in the microfinance business in India. The company provides joint liability group based microfinance for women entrepreneurs; loans against the property; nano enterprise loans; and individual loans. It serves low-income customers in semi-urban and rural areas. Spandana Sphoorty Financial Limited was founded in 1998 and is based in Hyderabad, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Spandana Sphoorty Financial Limited reported revenue of ₹10.7B in FY2026 versus ₹13.8B in FY2022, a compound −6.3%/yr. Reported net income was −₹7.0B in FY2026.
Is SPANDANA fairly valued? → Check now
Similar stocks
6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €287.50 | €226.82 | -21% |
| Mastercard Incorporated M4I | €424.30 | €242.93 | -43% |
| American Express Company AXP | C$28.87 | C$17.03 | -41% |
| Capital One Financial Corporation COF | $200.70 | $125.08 | -38% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
| PayPal Holdings PYPL34 | R$10.53 | R$17.14 | +63% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Spandana Sphoorty Financial Limited (SPANDANA) undervalued?
What is the fair value of SPANDANA?
What is the quality score of SPANDANA?
What is the net profit margin of SPANDANA?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.