Spandana Sphoorty Financial Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Spandana Sphoorty Financial Ltd?

Spandana Sphoorty Financial Ltd is trading at 218.00 as of 28 April 2026, with a FY2026-2027 high of 306 and low of 181. The stock is currently in the middle of its 52-week range. Market cap stands at 1,745 Cr..

Q: Is Spandana Sphoorty Financial Ltd financially healthy?

Key indicators: ROCE of 3.87 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Spandana Sphoorty Financial Ltd profitable and how is the profit trend?

Spandana Sphoorty Financial Ltd reported a net profit of -957 Cr in Mar 2025 on revenue of 2,181 Cr. Compared to 47 Cr in Mar 2022, the net profit shows a declining trend.

Fair Value

₹975.16Undervalued by 347.32%vs CMP ₹218.00

P/E (15.0) × ROE (31.0%) × BV (₹257.00) × DY (2.00%)

Defaults: P/E=15

₹269.36Undervalued by 23.56%vs CMP ₹218.00

MoS: +19.1% (Adequate)Confidence: 44/100 (Low)Models: 3 Under, 1 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹372.08	40%	Under (+70.7%)
Net Asset Value	Assets	₹284.71	24%	Under (+30.6%)
EV/EBITDA	Enterprise	₹23.74	20%	Over (-89.1%)
ROCE Capital	Returns	₹296.57	16%	Under (+36%)
Consensus (4 models)		₹269.36	100%	Undervalued

Key Drivers: EPS CAGR -61.8% drags value — could be higher if earnings stabilize. | Wide model spread (₹24–₹372) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -61.8% · Defaults: P/E=15

*Investments are subject to market risks

Analyst Summary

Spandana Sphoorty Financial Ltd operates in the Finance & Investments segment, current market price is ₹218.00, market cap is 1,745 Cr.. At a glance, ROE is 31.0 %, ROCE is 3.87 %, book value is 257, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹269.36, which is about 23.6% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹2,181 Cr versus the prior period change of -4.3%, while latest net profit is about ₹-957 Cr with a prior-period change of -304.5%. The 52-week range shown on this page is 306/181, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisSpandana 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…

This summary is generated from the stock page data available for Spandana Sphoorty Financial Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Spandana Sphoorty Financial Ltd scores 53/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health59/100 · Moderate

ROCE 3.9% WeakROE 31.0% ExcellentD/E 1.95 High debtInterest Coverage 0.0x RiskyProfitable 4/5 years Consistent

Smart Money50/100 · Moderate

FII holding up 0.52% (6mo) Slight increaseDII holding down 0.67% MF sellingPromoter holding at 48.2% Stable

Earnings Quality50/100 · Moderate

Quarterly Momentum50/100 · Moderate

Industry Rank50/100 · Moderate

ROCE 3.9% vs industry 21.3% Below peersROE 31.0% vs industry 13.8% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 26, 2026, 12:13 am

Market Cap	1,745 Cr.
Current Price	218
Intrinsic Value	₹269.36
High / Low	306/181
Stock P/E
Book Value	257
Dividend Yield	0.00 %
ROCE	3.87 %
ROE	31.0 %
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

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Spandana Sphoorty Financial Ltd	1,745 Cr.	218	306/181		257	0.00 %	3.87 %	31.0 %	10.0
Geojit Financial Services Ltd	1,793 Cr.	64.2	94.8/50.9	18.1	41.8	2.34 %	18.8 %	16.8 %	1.00
Ugro Capital Ltd	1,660 Cr.	107	193/80.0	14.6	183	0.00 %	10.1 %	4.64 %	10.0
Rane Holdings Ltd	1,573 Cr.	1,101	1,835/981	77.6	786	3.45 %	9.64 %	8.02 %	10.0
PTC India Financial Services Ltd	1,926 Cr.	30.0	44.5/23.8	5.77	46.4	0.00 %	9.93 %	8.20 %	10.0
Industry Average	6,963.82 Cr	1,284.20		124.91	4,364.68	0.39%	21.30%	13.80%	7.23

All Competitor Stocks of Spandana Sphoorty Financial Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	340	475	487	584	591	631	663	636	509	374	262	199	207
Interest	118	146	195	223	241	239	246	245	213	172	139	111	104
Expenses	141	202	155	231	217	255	370	678	834	745	561	379	219
Financing Profit	81	127	137	131	133	138	47	-287	-538	-542	-438	-291	-115
Financing Margin %	24%	27%	28%	22%	23%	22%	7%	-45%	-106%	-145%	-167%	-146%	-56%
Other Income	15	30	15	30	30	32	26	19	16	3	2	9	9
Depreciation	3	4	3	5	6	7	4	5	5	6	3	3	3
Profit before tax	94	153	149	156	158	164	69	-272	-526	-545	-439	-286	-109
Tax %	26%	24%	25%	25%	25%	25%	26%	-25%	-25%	-25%	-25%	-24%	-24%
Net Profit	69	116	111	116	118	122	51	-204	-394	-410	-329	-218	-83
EPS in Rs	7.84	13.16	12.59	13.16	13.36	13.78	5.78	-22.99	-44.41	-46.24	-37.08	-24.59	-9.31
Gross NPA %		1.95%	1.49%	1.27%	1.50%	1.43%	2.60%	4.88%	4.85%	4.85%	4.88%	4.97%	2.60%
Net NPA %		0.64%	0.45%	0.38%	0.45%	0.29%	0.52%	0.97%	0.96%	0.96%	0.96%	0.97%	0.50%

Last Updated: March 3, 2026, 2:36 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 10:46 pm

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	280	303	345	378	587	1,036	1,409	1,444	1,376	1,329	2,280	2,181	1,043
Interest	100	112	129	150	232	358	357	419	515	447	900	879	526
Expenses	113	104	219	196	67	207	477	860	803	919	841	2,621	1,903
Financing Profit	67	87	-4	32	288	471	575	164	58	-37	539	-1,319	-1,386
Financing Margin %	24%	29%	-1%	9%	49%	45%	41%	11%	4%	-3%	24%	-60%	-133%
Other Income	1	22	251	22	0	5	32	21	15	66	107	64	23
Depreciation	3	3	4	8	6	7	9	7	9	11	20	19	15
Profit before tax	64	106	243	46	283	469	598	178	65	18	626	-1,274	-1,378
Tax %	0%	1%	0%	-873%	34%	34%	44%	27%	28%	32%	25%	-25%
Net Profit	64	105	243	443	188	309	337	129	47	12	468	-957	-1,040
EPS in Rs	26.68	41.38	95.76	125.26	50.80	41.61	42.09	16.12	5.43	1.40	52.75	-107.86	-117.22
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	64.06%	131.43%	82.30%	-57.56%	64.36%	9.06%	-61.72%	-63.57%	-74.47%	3800.00%	-304.49%
Change in YoY Net Profit Growth (%)	0.00%	67.37%	-49.12%	-139.87%	121.92%	-55.30%	-70.78%	-1.84%	-10.90%	3874.47%	-4104.49%

Spandana Sphoorty Financial Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	22%
5 Years:	9%
3 Years:	17%
TTM:	-28%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	-428%

Stock Price CAGR
10 Years:	%
5 Years:	-14%
3 Years:	-23%
1 Year:	-55%

Return on Equity
10 Years:	%
5 Years:	-2%
3 Years:	-5%
Last Year:	-31%

Last Updated: September 5, 2025, 1:36 pm

Balance Sheet

Last Updated: January 7, 2026, 4:26 pm

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	19	20	20	28	30	60	64	64	69	71	71	71	80
Reserves	-924	-864	-627	-2	216	1,827	2,544	2,652	2,962	2,972	3,485	2,551	2,199
Borrowing	1,596	1,831	1,710	1,834	3,477	2,945	3,016	5,197	3,631	5,934	9,012	5,197	3,072
Other Liabilities	1,482	1,365	997	68	42	67	317	433	201	208	301	189	150
Total Liabilities	2,173	2,352	2,100	1,929	3,764	4,898	5,942	8,346	6,864	9,186	12,870	8,008	5,501
Fixed Assets	4	6	14	9	8	9	16	20	14	29	32	26	21
CWIP	0	6	0	0	0	0	0	0	0	0	0	0	0
Investments	0	0	0	0	2	65	550	115	115	306	329	425	353
Other Assets	2,169	2,341	2,085	1,920	3,754	4,824	5,375	8,211	6,736	8,850	12,509	7,557	5,127
Total Assets	2,173	2,352	2,100	1,929	3,764	4,898	5,942	8,346	6,864	9,186	12,870	8,008	5,501

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	173	-182	114	-59	-1,855	-650	-54	-1,618	820	-2,053	-2,327	3,783
Cash from Investing Activity +	50	-7	-10	-1	-6	-59	-485	514	45	-178	-257	-200
Cash from Financing Activity +	-320	222	-128	315	1,673	752	447	2,181	-1,272	2,317	3,159	-3,761
Net Cash Flow	-97	33	-24	255	-188	43	-92	1,077	-407	86	575	-179
Free Cash Flow	173	-190	104	-62	-1,860	-657	-58	-1,630	809	-2,065	-2,350	3,770
CFO/OP	90%	-92%	91%	-38%	-342%	-77%	-4%	-264%	179%	-492%	-155%	-874%

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	112.00	103.00	218.00	195.00	64.00	205.00	474.00	855.00	800.00	914.00	832.00	-3.00

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 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
ROE %					138%	29%	15%	5%	2%	0%	14%	-31%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	63.00%	62.41%	60.41%	59.89%	59.75%	56.85%	55.84%	48.13%	48.13%	48.13%	48.16%	48.16%
FIIs	20.24%	21.25%	18.74%	19.05%	21.79%	22.83%	22.64%	21.71%	19.83%	19.80%	20.26%	20.35%
DIIs	8.43%	8.43%	13.02%	13.45%	10.53%	8.96%	7.33%	6.30%	6.45%	5.65%	6.12%	5.78%
Government	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%
Public	8.32%	7.92%	7.82%	7.62%	7.92%	11.35%	14.19%	23.86%	25.59%	26.43%	25.48%	25.72%
No. of Shareholders	17,130	18,955	20,706	25,870	35,704	48,596	73,889	90,984	1,23,001	1,23,380	1,20,457	1,16,755

Shareholding Pattern Chart

No. of Shareholders

Spandana Sphoorty Financial Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
JM Value Fund	209,857	0.62	5.31	209,857	2026-04-28 20:42:44	0%
JM ELSS Tax Saver Fund	85,000	0.99	2.15	85,000	2026-04-28 20:42:44	0%
JM Value Fund	158,770	0.24	2.02	209,857	2026-04-28 20:42:44	-24.34%
JM ELSS Tax Saver Fund	20,731	0.12	0.26	85,000	2026-04-28 20:42:44	-75.61%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	-145.17	70.42	1.74	10.75	22.55
Diluted EPS (Rs.)	-145.17	69.38	1.74	10.72	22.47
Cash EPS (Rs.)	-141.98	73.09	3.28	11.43	23.80
Book Value[Excl.RevalReserv]/Share (Rs.)	369.24	511.20	436.62	447.20	427.75
Book Value[Incl.RevalReserv]/Share (Rs.)	369.24	511.20	436.62	447.20	427.75
Revenue From Operations / Share (Rs.)	330.27	339.93	197.34	211.71	230.53
PBDIT / Share (Rs.)	-59.44	226.89	68.55	93.52	98.15
PBIT / Share (Rs.)	-62.62	224.03	67.02	92.19	96.96
PBT / Share (Rs.)	-193.35	94.05	2.51	14.02	31.17
Net Profit / Share (Rs.)	-145.16	70.23	1.75	10.11	22.62
NP After MI And SOA / Share (Rs.)	-145.15	70.22	1.73	10.05	22.55
PBDIT Margin (%)	-17.99	66.74	34.73	44.17	42.57
PBIT Margin (%)	-18.96	65.90	33.96	43.54	42.06
PBT Margin (%)	-58.54	27.66	1.27	6.62	13.51
Net Profit Margin (%)	-43.95	20.65	0.88	4.77	9.81
NP After MI And SOA Margin (%)	-43.95	20.65	0.87	4.74	9.78
Return on Networth / Equity (%)	-39.31	13.73	0.39	2.24	5.27
Return on Capital Employeed (%)	-9.01	20.50	7.27	12.81	12.50
Return On Assets (%)	-12.18	3.74	0.13	0.98	1.69
Long Term Debt / Equity (X)	0.86	1.12	1.09	0.58	0.74
Total Debt / Equity (X)	2.15	2.59	1.96	1.22	1.95
Asset Turnover Ratio (%)	0.21	0.21	0.16	0.17	0.20
Current Ratio (X)	2.21	2.34	3.20	3.24	2.34
Quick Ratio (X)	2.21	2.34	3.19	3.24	2.34
Interest Coverage Ratio (X)	-0.45	1.75	1.06	1.20	1.49
Interest Coverage Ratio (Post Tax) (X)	-0.11	1.54	1.03	1.13	1.34
Enterprise Value (Cr.)	5485.73	13537.08	8850.52	4868.61	7881.14
EV / Net Operating Revenue (X)	2.33	5.59	6.32	3.33	5.32
EV / EBITDA (X)	-12.94	8.37	18.19	7.53	12.49
MarketCap / Net Operating Revenue (X)	0.71	2.48	2.70	1.57	2.62
Price / BV (X)	0.63	1.65	1.22	0.74	1.41
Price / Net Operating Revenue (X)	0.71	2.48	2.70	1.57	2.62
EarningsYield	-0.61	0.08	0.00	0.03	0.03

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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. 2180.72 Cr. and Equity Capital is Rs. 71.31 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Microfinance Institutions	Galaxy, Wing B, 16th Floor, Plot No.1, Sy No 83/1, Hyderabad Knowledge City, Hyderabad Telangana 500081	Contact not found

Management
Name	Position Held
Ms. Abanti Mitra	Chairman & Ind.Director
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. Ramachandra K Kamath	Non Exe. & Nominee Director
Mr. Sunish Sharma	Non Exe. & Nominee Director

FAQ

What is the intrinsic value of Spandana Sphoorty Financial Ltd and is it undervalued?

As of 28 April 2026, Spandana Sphoorty Financial Ltd's intrinsic value is ₹269.36, which is 23.56% higher than the current market price of ₹218.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (31.0 %), book value (₹257), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Spandana Sphoorty Financial Ltd?

Spandana Sphoorty Financial Ltd is trading at ₹218.00 as of 28 April 2026, with a FY2026-2027 high of ₹306 and low of ₹181. The stock is currently in the middle of its 52-week range. Market cap stands at ₹1,745 Cr..

How does Spandana Sphoorty Financial Ltd's P/E ratio compare to its industry?

Spandana Sphoorty Financial Ltd has a P/E ratio of , which is below the industry average of 124.91. This is broadly in line with or below the industry average.

Is Spandana Sphoorty Financial Ltd financially healthy?

Key indicators for Spandana Sphoorty Financial Ltd: ROCE of 3.87 % is on the lower side compared to the industry average of 21.30%; ROE of 31.0 % shows strong shareholder returns. Dividend yield is 0.00 %.

Is Spandana Sphoorty Financial Ltd profitable and how is the profit trend?

Spandana Sphoorty Financial Ltd reported a net profit of ₹-957 Cr in Mar 2025 on revenue of ₹2,181 Cr. Compared to ₹47 Cr in Mar 2022, the net profit shows a declining trend.

Does Spandana Sphoorty Financial Ltd pay dividends?

Spandana Sphoorty Financial Ltd has a dividend yield of 0.00 % at the current price of ₹218.00. The company is currently not paying meaningful dividends.