Spandana Sphoorty Financial Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 4, 2025, 10:56 am

Market Cap	1,723 Cr.
Current Price	242
High / Low	936/230
Stock P/E
Book Value	480
Dividend Yield	0.00 %
ROCE	14.2 %
ROE	14.2 %
Face Value	10.0
PEG Ratio	0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Spandana Sphoorty Financial Ltd

Competitors of Spandana Sphoorty Financial Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
MKVentures Capital Ltd	550 Cr.	1,431	2,800/1,212	26.7	267	0.07 %	20.6 %	33.6 %	10.0
Modern Shares & Stockbrokers Ltd	14.6 Cr.	49.8	69.4/36.0	41.7	43.9	0.00 %	4.33 %	3.24 %	10.0
Monarch Networth Capital Ltd	2,577 Cr.	328	501/226	16.6	93.0	0.15 %	51.8 %	43.4 %	10.0
Monotype India Ltd	52.0 Cr.	0.74	2.42/0.63	6.51	0.13	0.00 %	438 %	%	1.00
Multipurpose Trading & Agencies Ltd	4.85 Cr.	9.79	13.3/7.93	25.5	10.2	0.00 %	4.44 %	3.91 %	10.0
Industry Average	6,715.03 Cr	1,388.24		84.40	5,208.09	0.37%	18.65%	17.36%	7.36

All Competitor Stocks of Spandana Sphoorty Financial Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	328	263	232	281	340	475	487	584	591	637	663	640	512
Interest	132	102	92	88	118	146	195	223	241	239	246	245	213
Expenses	144	148	451	127	141	202	155	231	217	261	370	682	837
Financing Profit	52	13	-311	66	81	127	137	131	133	138	47	-287	-538
Financing Margin %	16%	5%	-134%	24%	24%	27%	28%	22%	23%	22%	7%	-45%	-105%
Other Income	3	12	8	12	15	30	15	30	30	32	26	19	16
Depreciation	2	3	2	2	3	4	3	5	6	7	4	5	5
Profit before tax	53	23	-305	76	94	153	149	156	158	164	69	-272	-526
Tax %	24%	19%	-27%	35%	26%	24%	25%	25%	25%	25%	26%	-25%	-25%
Net Profit	40	18	-223	50	69	116	111	116	118	122	51	-204	-394
EPS in Rs	6.17	2.64	-31.39	6.98	9.76	16.37	15.65	16.36	16.62	17.14	7.19	-28.60	-55.24
Gross NPA %		17.70%				1.95%	1.49%	1.27%	1.50%	1.43%	2.60%	4.88%	4.85%
Net NPA %						0.64%	0.45%	0.38%	0.45%	0.29%	0.52%	0.97%	0.96%

Last Updated: February 28, 2025, 5:00 pm

Below is a detailed analysis of the quarterly data for Spandana Sphoorty Financial Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹213.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 245.00 Cr. (Sep 2024) to ₹213.00 Cr., marking a decrease of 32.00 Cr..
For Expenses, as of Dec 2024, the value is ₹837.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 682.00 Cr. (Sep 2024) to ₹837.00 Cr., marking an increase of 155.00 Cr..
For Other Income, as of Dec 2024, the value is ₹16.00 Cr.. The value appears to be declining and may need further review. It has decreased from 19.00 Cr. (Sep 2024) to ₹16.00 Cr., marking a decrease of 3.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹5.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 5.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹-526.00 Cr.. The value appears to be declining and may need further review. It has decreased from -272.00 Cr. (Sep 2024) to ₹-526.00 Cr., marking a decrease of 254.00 Cr..
For Tax %, as of Dec 2024, the value is -25.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded -25.00%.
For Net Profit, as of Dec 2024, the value is ₹-394.00 Cr.. The value appears to be declining and may need further review. It has decreased from -204.00 Cr. (Sep 2024) to ₹-394.00 Cr., marking a decrease of 190.00 Cr..
For EPS in Rs, as of Dec 2024, the value is -55.24. The value appears to be declining and may need further review. It has decreased from -28.60 (Sep 2024) to -55.24, marking a decrease of 26.64.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 2:47 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	258	280	303	345	378	587	1,036	1,409	1,444	1,376	1,329	2,300	2,453
Interest	6	100	112	129	150	232	358	357	419	515	447	900	943
Expenses	1,427	113	104	219	196	67	207	477	860	803	919	861	2,150
Financing Profit	-1,174	67	87	-4	32	288	471	575	164	58	-37	539	-640
Financing Margin %	-455%	24%	29%	-1%	9%	49%	45%	41%	11%	4%	-3%	23%	-26%
Other Income	14	1	22	251	22	0	5	32	21	15	66	107	94
Depreciation	3	3	3	4	8	6	7	9	7	9	11	20	20
Profit before tax	-1,163	64	106	243	46	283	469	598	178	65	18	626	-565
Tax %	0%	0%	1%	0%	-873%	34%	34%	44%	27%	28%	32%	25%
Net Profit	-1,163	64	105	243	443	188	309	337	129	47	12	468	-424
EPS in Rs	-599.88	33.18	51.57	119.35	155.86	63.17	51.77	52.35	20.05	6.75	1.74	65.62	-59.51
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	105.50%	64.06%	131.43%	82.30%	-57.56%	64.36%	9.06%	-61.72%	-63.57%	-74.47%	3800.00%
Change in YoY Net Profit Growth (%)	0.00%	-41.44%	67.37%	-49.12%	-139.87%	121.92%	-55.30%	-70.78%	-1.84%	-10.90%	3874.47%

Spandana Sphoorty Financial Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	23%
5 Years:	17%
3 Years:	17%
TTM:	15%

Compounded Profit Growth
10 Years:	22%
5 Years:	9%
3 Years:	54%
TTM:	-192%

Stock Price CAGR
10 Years:	%
5 Years:	-17%
3 Years:	-19%
1 Year:	-73%

Return on Equity
10 Years:	%
5 Years:	7%
3 Years:	6%
Last Year:	14%

Last Updated: Unknown

Balance Sheet

Last Updated: March 14, 2025, 2:48 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	19	19	20	20	28	30	60	64	64	69	71	71	71
Reserves	-970	-924	-864	-627	-2	216	1,827	2,544	2,652	2,962	2,972	3,485	3,355
Deposits	0	0	0	0	0	0	0	0	0	0	0	0	0
Borrowings	1,983	1,596	1,831	1,710	1,834	3,477	2,945	3,016	5,197	3,631	5,934	9,012	7,331
Other Liabilities	1,545	1,482	1,365	997	68	42	67	317	433	201	208	301	176
Total Liabilities	2,577	2,173	2,352	2,100	1,929	3,764	4,898	5,942	8,346	6,864	9,186	12,870	10,932
Fixed Assets	7	4	6	14	9	8	9	16	20	14	29	32	30
CWIP	0	0	6	0	0	0	0	0	0	0	0	0	0
Investments	0	0	0	0	0	2	65	550	115	115	306	329	327
Other Assets	2,571	2,169	2,341	2,085	1,920	3,754	4,824	5,375	8,211	6,736	8,850	12,509	10,575
Total Assets	2,577	2,173	2,352	2,100	1,929	3,764	4,898	5,942	8,346	6,864	9,186	12,870	10,932

Below is a detailed analysis of the balance sheet data for Spandana Sphoorty Financial Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹71.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 71.00 Cr..
For Reserves, as of Sep 2024, the value is ₹3,355.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,485.00 Cr. (Mar 2024) to ₹3,355.00 Cr., marking a decrease of 130.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹7,331.00 Cr.. The value appears to be improving (decreasing). However, Borrowings exceed Reserves, which may signal higher financial risk. It has decreased from 9,012.00 Cr. (Mar 2024) to ₹7,331.00 Cr., marking a decrease of 1,681.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹176.00 Cr.. The value appears to be improving (decreasing). It has decreased from 301.00 Cr. (Mar 2024) to ₹176.00 Cr., marking a decrease of 125.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹10,932.00 Cr.. The value appears to be improving (decreasing). It has decreased from 12,870.00 Cr. (Mar 2024) to ₹10,932.00 Cr., marking a decrease of 1,938.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹30.00 Cr.. The value appears to be declining and may need further review. It has decreased from 32.00 Cr. (Mar 2024) to ₹30.00 Cr., marking a decrease of 2.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Investments, as of Sep 2024, the value is ₹327.00 Cr.. The value appears to be declining and may need further review. It has decreased from 329.00 Cr. (Mar 2024) to ₹327.00 Cr., marking a decrease of 2.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹10,575.00 Cr.. The value appears to be declining and may need further review. It has decreased from 12,509.00 Cr. (Mar 2024) to ₹10,575.00 Cr., marking a decrease of 1,934.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹10,932.00 Cr.. The value appears to be declining and may need further review. It has decreased from 12,870.00 Cr. (Mar 2024) to ₹10,932.00 Cr., marking a decrease of 1,938.00 Cr..

However, the Borrowings (7,331.00 Cr.) are higher than the Reserves (₹3,355.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-143	173	-182	114	-59	-1,855	-650	-54	-1,618	820	-2,053	-2,503
Cash from Investing Activity +	8	50	-7	-10	-1	-6	-59	-485	514	45	-178	-10
Cash from Financing Activity +	-207	-320	222	-128	315	1,673	752	447	2,181	-1,272	2,317	3,089
Net Cash Flow	-342	-97	33	-24	255	-188	43	-92	1,077	-407	86	575

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	1.00	113.00	104.00	219.00	196.00	67.00	207.00	477.00	860.00	803.00	919.00	861.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %						138%	29%	15%	5%	2%	0%	14%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	62.62%	63.59%	63.03%	63.01%	63.00%	62.41%	60.41%	59.89%	59.75%	56.85%	55.84%	48.13%
FIIs	12.19%	12.66%	13.13%	19.59%	20.24%	21.25%	18.74%	19.05%	21.79%	22.83%	22.64%	21.71%
DIIs	4.22%	4.11%	8.41%	8.89%	8.43%	8.43%	13.02%	13.45%	10.53%	8.96%	7.33%	6.30%
Public	20.97%	19.63%	15.43%	8.51%	8.32%	7.92%	7.82%	7.62%	7.92%	11.35%	14.19%	23.86%
No. of Shareholders	29,336	26,575	19,614	17,776	17,130	18,955	20,706	25,870	35,704	48,596	73,889	90,984

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Edelweiss Small Cap Fund	415,729	1.56	46.92	334,527	2025-04-03	24.27%
Edelweiss Mid Cap Fund	334,527	0.82	37.76	334,527	2025-04-03	0%
Tata Banking and Financial Services Fund	300,000	1.75	33.86	334,527	2025-04-03	-10.32%
Union Flexi Cap Fund	265,000	1.6	29.91	334,527	2025-04-03	-20.78%
Union Small Cap Fund	244,751	2.15	27.63	334,527	2025-04-03	-26.84%
JM Flexicap Fund	125,000	1.14	14.11	334,527	2025-04-03	-62.63%
Union Multicap Fund	117,800	1.77	13.3	334,527	2025-04-03	-64.79%
Union Innovation & Opportunities Fund	105,233	2.09	11.88	334,527	2025-04-03	-68.54%
Union Midcap Fund	102,958	1.19	11.62	334,527	2025-04-03	-69.22%
JM Value Fund	97,500	2.71	11	334,527	2025-04-03	-70.85%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	70.42	1.74	10.75	22.55	56.21
Diluted EPS (Rs.)	69.38	1.74	10.72	22.47	55.74
Cash EPS (Rs.)	73.09	3.28	11.43	23.80	56.08
Book Value[Excl.RevalReserv]/Share (Rs.)	511.20	436.62	447.20	427.75	408.50
Book Value[Incl.RevalReserv]/Share (Rs.)	511.20	436.62	447.20	427.75	408.50
Revenue From Operations / Share (Rs.)	339.93	197.34	211.71	230.53	223.17
PBDIT / Share (Rs.)	226.89	68.55	93.52	98.15	152.94
PBIT / Share (Rs.)	224.03	67.02	92.19	96.96	151.56
PBT / Share (Rs.)	94.05	2.51	14.02	31.17	96.16
Net Profit / Share (Rs.)	70.23	1.75	10.11	22.62	54.70
NP After MI And SOA / Share (Rs.)	70.22	1.73	10.05	22.55	54.65
PBDIT Margin (%)	66.74	34.73	44.17	42.57	68.53
PBIT Margin (%)	65.90	33.96	43.54	42.06	67.91
PBT Margin (%)	27.66	1.27	6.62	13.51	43.08
Net Profit Margin (%)	20.65	0.88	4.77	9.81	24.51
NP After MI And SOA Margin (%)	20.65	0.87	4.74	9.78	24.48
Return on Networth / Equity (%)	13.73	0.39	2.24	5.27	13.38
Return on Capital Employeed (%)	20.50	7.27	12.81	12.50	27.67
Return On Assets (%)	3.74	0.13	0.98	1.69	5.87
Long Term Debt / Equity (X)	1.12	1.09	0.58	0.74	0.30
Total Debt / Equity (X)	2.59	1.96	1.22	1.95	1.15
Asset Turnover Ratio (%)	0.21	0.16	0.17	0.20	0.25
Current Ratio (X)	2.34	3.20	3.24	2.34	2.41
Quick Ratio (X)	2.34	3.19	3.24	2.34	2.41
Interest Coverage Ratio (X)	1.75	1.06	1.20	1.49	2.76
Interest Coverage Ratio (Post Tax) (X)	1.54	1.03	1.13	1.34	1.99
Enterprise Value (Cr.)	13537.08	8850.52	4868.61	7881.14	6545.70
EV / Net Operating Revenue (X)	5.59	6.32	3.33	5.32	4.56
EV / EBITDA (X)	8.37	18.19	7.53	12.49	6.65
MarketCap / Net Operating Revenue (X)	2.48	2.70	1.57	2.62	2.63
Price / BV (X)	1.65	1.22	0.74	1.41	1.44
Price / Net Operating Revenue (X)	2.48	2.70	1.57	2.62	2.63
EarningsYield	0.08	0.00	0.03	0.03	0.09

After reviewing the key financial ratios for Spandana Sphoorty Financial Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 70.42. This value is within the healthy range. It has increased from 1.74 (Mar 23) to 70.42, marking an increase of 68.68.
For Diluted EPS (Rs.), as of Mar 24, the value is 69.38. This value is within the healthy range. It has increased from 1.74 (Mar 23) to 69.38, marking an increase of 67.64.
For Cash EPS (Rs.), as of Mar 24, the value is 73.09. This value is within the healthy range. It has increased from 3.28 (Mar 23) to 73.09, marking an increase of 69.81.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 511.20. It has increased from 436.62 (Mar 23) to 511.20, marking an increase of 74.58.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 511.20. It has increased from 436.62 (Mar 23) to 511.20, marking an increase of 74.58.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 339.93. It has increased from 197.34 (Mar 23) to 339.93, marking an increase of 142.59.
For PBDIT / Share (Rs.), as of Mar 24, the value is 226.89. This value is within the healthy range. It has increased from 68.55 (Mar 23) to 226.89, marking an increase of 158.34.
For PBIT / Share (Rs.), as of Mar 24, the value is 224.03. This value is within the healthy range. It has increased from 67.02 (Mar 23) to 224.03, marking an increase of 157.01.
For PBT / Share (Rs.), as of Mar 24, the value is 94.05. This value is within the healthy range. It has increased from 2.51 (Mar 23) to 94.05, marking an increase of 91.54.
For Net Profit / Share (Rs.), as of Mar 24, the value is 70.23. This value is within the healthy range. It has increased from 1.75 (Mar 23) to 70.23, marking an increase of 68.48.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 70.22. This value is within the healthy range. It has increased from 1.73 (Mar 23) to 70.22, marking an increase of 68.49.
For PBDIT Margin (%), as of Mar 24, the value is 66.74. This value is within the healthy range. It has increased from 34.73 (Mar 23) to 66.74, marking an increase of 32.01.
For PBIT Margin (%), as of Mar 24, the value is 65.90. This value exceeds the healthy maximum of 20. It has increased from 33.96 (Mar 23) to 65.90, marking an increase of 31.94.
For PBT Margin (%), as of Mar 24, the value is 27.66. This value is within the healthy range. It has increased from 1.27 (Mar 23) to 27.66, marking an increase of 26.39.
For Net Profit Margin (%), as of Mar 24, the value is 20.65. This value exceeds the healthy maximum of 10. It has increased from 0.88 (Mar 23) to 20.65, marking an increase of 19.77.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 20.65. This value exceeds the healthy maximum of 20. It has increased from 0.87 (Mar 23) to 20.65, marking an increase of 19.78.
For Return on Networth / Equity (%), as of Mar 24, the value is 13.73. This value is below the healthy minimum of 15. It has increased from 0.39 (Mar 23) to 13.73, marking an increase of 13.34.
For Return on Capital Employeed (%), as of Mar 24, the value is 20.50. This value is within the healthy range. It has increased from 7.27 (Mar 23) to 20.50, marking an increase of 13.23.
For Return On Assets (%), as of Mar 24, the value is 3.74. This value is below the healthy minimum of 5. It has increased from 0.13 (Mar 23) to 3.74, marking an increase of 3.61.
For Long Term Debt / Equity (X), as of Mar 24, the value is 1.12. This value exceeds the healthy maximum of 1. It has increased from 1.09 (Mar 23) to 1.12, marking an increase of 0.03.
For Total Debt / Equity (X), as of Mar 24, the value is 2.59. This value exceeds the healthy maximum of 1. It has increased from 1.96 (Mar 23) to 2.59, marking an increase of 0.63.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.21. It has increased from 0.16 (Mar 23) to 0.21, marking an increase of 0.05.
For Current Ratio (X), as of Mar 24, the value is 2.34. This value is within the healthy range. It has decreased from 3.20 (Mar 23) to 2.34, marking a decrease of 0.86.
For Quick Ratio (X), as of Mar 24, the value is 2.34. This value exceeds the healthy maximum of 2. It has decreased from 3.19 (Mar 23) to 2.34, marking a decrease of 0.85.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.75. This value is below the healthy minimum of 3. It has increased from 1.06 (Mar 23) to 1.75, marking an increase of 0.69.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.54. This value is below the healthy minimum of 3. It has increased from 1.03 (Mar 23) to 1.54, marking an increase of 0.51.
For Enterprise Value (Cr.), as of Mar 24, the value is 13,537.08. It has increased from 8,850.52 (Mar 23) to 13,537.08, marking an increase of 4,686.56.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 5.59. This value exceeds the healthy maximum of 3. It has decreased from 6.32 (Mar 23) to 5.59, marking a decrease of 0.73.
For EV / EBITDA (X), as of Mar 24, the value is 8.37. This value is within the healthy range. It has decreased from 18.19 (Mar 23) to 8.37, marking a decrease of 9.82.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 2.48. This value is within the healthy range. It has decreased from 2.70 (Mar 23) to 2.48, marking a decrease of 0.22.
For Price / BV (X), as of Mar 24, the value is 1.65. This value is within the healthy range. It has increased from 1.22 (Mar 23) to 1.65, marking an increase of 0.43.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 2.48. This value is within the healthy range. It has decreased from 2.70 (Mar 23) to 2.48, marking a decrease of 0.22.
For EarningsYield, as of Mar 24, the value is 0.08. This value is below the healthy minimum of 5. It has increased from 0.00 (Mar 23) to 0.08, marking an increase of 0.08.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Spandana Sphoorty Financial Ltd as of April 4, 2025 is: 834.28

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 4, 2025, Spandana Sphoorty Financial Ltd is Undervalued by 244.74% compared to the current share price 242.00

Default values used*: Default value of 15 for Stock P/E is used

Intrinsic Value of Spandana Sphoorty Financial Ltd as of April 4, 2025 is: 346.81

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 4, 2025, Spandana Sphoorty Financial Ltd is Undervalued by 43.31% compared to the current share price 242.00

Default values used*: Default value of 15 for Stock P/E is used

Last 5 Year EPS CAGR: -58.43%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Spandana Sphoorty Financial Ltd:
1. Net Profit Margin: 20.65%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 20.5% (Industry Average ROCE: 18.65%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 13.73% (Industry Average ROE: 17.36%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.54
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 2.34
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 0 (Industry average Stock P/E: 84.4)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 2.59
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Spandana Sphoorty Financial Ltd. is a Public Limited Listed company incorporated on 10/03/2003 and has its registered office in the State of Telangana, India. Company's Corporate Identification Number(CIN) is L65929TG2003PLC040648 and registration number is 040648. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 2299.76 Cr. and Equity Capital is Rs. 71.30 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Microfinance Institutions	Galaxy, Wing B, 16th Floor, Plot No.1, Sy No 83/1, Hyderabad Knowledge City, Hyderabad Telangana 500081	secretarial@spandanasphoorty.com http://www.spandanasphoorty.com

Management
Name	Position Held
Ms. Abanti Mitra	Chairman & Ind.Director
Mr. Shalabh Saxena	Managing Director & CEO
Mr. Animesh Chauhan	Independent Director
Mr. Deepak Calian Vaidya	Independent Director
Mr. Vinayak Prasad	Independent Director
Mrs. Dipali Hemant Sheth	Independent Director
Ms. Saakshi Gera	Non Exe. & Nominee Director
Mr. Neeraj Swaroop	Non Exe. & Nominee Director
Mr. Sunish Sharma	Non Exe. & Nominee Director
Mr. Ramachandra K Kamath	Non Exe. & Nominee Director

FAQ

What is the intrinsic value of Spandana Sphoorty Financial Ltd?

Spandana Sphoorty Financial Ltd's intrinsic value (as of 04 April 2025) is ₹834.28 — 244.74% higher the current market price of ₹242.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,723 Cr. market cap, FY2025-2026 high/low of ₹936/230, reserves of 3,355 Cr, and liabilities of 10,932 Cr.

What is the Market Cap of Spandana Sphoorty Financial Ltd?

The Market Cap of Spandana Sphoorty Financial Ltd is 1,723 Cr..

What is the current Stock Price of Spandana Sphoorty Financial Ltd as on 04 April 2025?

The current stock price of Spandana Sphoorty Financial Ltd as on 04 April 2025 is 242.

What is the High / Low of Spandana Sphoorty Financial Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Spandana Sphoorty Financial Ltd stocks is ₹936/230.

What is the Stock P/E of Spandana Sphoorty Financial Ltd?

The Stock P/E of Spandana Sphoorty Financial Ltd is .

What is the Book Value of Spandana Sphoorty Financial Ltd?

The Book Value of Spandana Sphoorty Financial Ltd is 480.

What is the Dividend Yield of Spandana Sphoorty Financial Ltd?

The Dividend Yield of Spandana Sphoorty Financial Ltd is 0.00 %.

What is the ROCE of Spandana Sphoorty Financial Ltd?

The ROCE of Spandana Sphoorty Financial Ltd is 14.2 %.

What is the ROE of Spandana Sphoorty Financial Ltd?

The ROE of Spandana Sphoorty Financial Ltd is 14.2 %.

What is the Face Value of Spandana Sphoorty Financial Ltd?

The Face Value of Spandana Sphoorty Financial Ltd is 10.0.