Spandana Sphoorty Financial Limited (SPANDANA) Fair Value & Analysis
Financial Services · IN · Market cap ₹25.7B
Fair value as of: Aug 13, 2026
From 1 valuation models · updated 4 days ago
Share price −16.6% over the past month.
Below-average quality, and screening another 20% overvalued on our models.
What matters now
- Weak quality (34/100) and above fair value at the same time, the margin of safety is missing on both counts.
- A fairly wide model range (₹147.86 to ₹295.72) leaves room in how you read the outcome.
- Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹184.15 – ₹1,224 · fair‑value band ₹147.86 – ₹295.72 · the ₹247.50 price screens above the ₹198.14 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Spandana Sphoorty Financial Limited (SPANDANA) currently trades at ₹247.50, while our model-based Fair Value estimate is ₹198.14, implying the stock looks roughly 19.9% overvalued today. The Quality Score stands at 34/100 (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 Aug 13, 2026
Our scenario range runs from ₹147.86 (bear case) to ₹295.72 (bull case); at ₹247.50, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 23% below its 52-week high and 37% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at -20%, SPANDANA screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 1 models by family
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 35 · Market factors (momentum, volatility) 51
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
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.
Full company description
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.
Company description, as reported by the company or data provider.
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.
SPANDANA screens 20% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 334 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,094 | ₹397.61 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,918 | ₹796.52 | -58% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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Frequently asked questions
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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.
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