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5427

Spandana Sphoorty Financial BSE:542759 Stock Report

Last Price

₹422.90

Market Cap

₹30.0b

7D

2.8%

1Y

-34.6%

Updated

02 Aug, 2022

Data

Company Financials +
542759 fundamental analysis
Snowflake Score
Valuation1/6
Future Growth5/6
Past Performance2/6
Financial Health4/6
Dividends0/6

542759 Stock Overview

Spandana Sphoorty Financial Limited engages in the microfinance business in India.

Spandana Sphoorty Financial Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Spandana Sphoorty Financial
Historical stock prices
Current Share Price₹422.90
52 Week High₹675.55
52 Week Low₹288.75
Beta1.18
1 Month Change2.52%
3 Month Change1.98%
1 Year Change-34.65%
3 Year Changen/a
5 Year Changen/a
Change since IPO-50.15%

Recent News & Updates

Shareholder Returns

542759IN Consumer FinanceIN Market
7D2.8%10.6%5.3%
1Y-34.6%6.5%6.6%

Return vs Industry: 542759 underperformed the Indian Consumer Finance industry which returned 6.6% over the past year.

Return vs Market: 542759 underperformed the Indian Market which returned 7.2% over the past year.

Price Volatility

Is 542759's price volatile compared to industry and market?
542759 volatility
542759 Average Weekly Movement9.3%
Consumer Finance Industry Average Movement6.6%
Market Average Movement6.6%
10% most volatile stocks in IN Market9.3%
10% least volatile stocks in IN Market4.3%

Stable Share Price: 542759 is more volatile than 90% of Indian stocks over the past 3 months, typically moving +/- 9% a week.

Volatility Over Time: 542759's weekly volatility (9%) has been stable over the past year, but is still higher than 75% of Indian stocks.

About the Company

FoundedEmployeesCEOWebsite
19988,323Shalabh Saxenahttps://www.spandanaindia.com

Spandana Sphoorty Financial Limited engages in the microfinance business in India. The company provides income generation loans for low-income households; loans against the property; personal loans for business development, purchase of livestock, house construction/renovation, and other needs; gold loans for agriculture, business, and short-term liquidity needs; and interim loans, as well as business loans. It also offers loans for women to expand their existing income-generating activities, smoothening household cash flows, and acquiring productive assets.

Spandana Sphoorty Financial Fundamentals Summary

How do Spandana Sphoorty Financial's earnings and revenue compare to its market cap?
542759 fundamental statistics
Market Cap₹29.97b
Earnings (TTM)₹694.68m
Revenue (TTM)₹4.18b

43.1x

P/E Ratio

7.2x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
542759 income statement (TTM)
Revenue₹4.18b
Cost of Revenue₹0
Gross Profit₹4.18b
Other Expenses₹3.48b
Earnings₹694.68m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

Aug 04, 2022

Earnings per share (EPS)9.79
Gross Margin100.00%
Net Profit Margin16.63%
Debt/Equity Ratio122.1%

How did 542759 perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is 542759 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 542759?

Other financial metrics that can be useful for relative valuation.

542759 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.5x

Price to Earnings Ratio vs Peers

How does 542759's PE Ratio compare to its peers?

542759 PE Ratio vs Peers
The above table shows the PE ratio for 542759 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average29.2x
540749 MAS Financial Services
19.6xn/a₹31.2b
532900 Paisalo Digital
41.7xn/a₹33.1b
539844 Equitas Holdings
22.9x47.1%₹35.0b
531179 Arman Financial Services
33.4xn/a₹10.6b
542759 Spandana Sphoorty Financial
43.1x91.2%₹30.0b

Price-To-Earnings vs Peers: 542759 is expensive based on its Price-To-Earnings Ratio (43.1x) compared to the peer average (29.2x).


Price to Earnings Ratio vs Industry

How does 542759's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

Price-To-Earnings vs Industry: 542759 is expensive based on its Price-To-Earnings Ratio (43.1x) compared to the Indian Consumer Finance industry average (25.3x)


Price to Earnings Ratio vs Fair Ratio

What is 542759's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

542759 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio43.1x
Fair PE Ratio57.9x

Price-To-Earnings vs Fair Ratio: 542759 is good value based on its Price-To-Earnings Ratio (43.1x) compared to the estimated Fair Price-To-Earnings Ratio (57.9x).


Share Price vs Fair Value

What is the Fair Price of 542759 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 542759 (₹422.9) is trading above our estimate of fair value (₹297.3)

Significantly Below Fair Value: 542759 is trading above our estimate of fair value.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.


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Future Growth

How is Spandana Sphoorty Financial forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

Future Growth Score

5/6

Future Growth Score 5/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


91.2%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 542759's forecast earnings growth (91.2% per year) is above the savings rate (6.8%).

Earnings vs Market: 542759's earnings (91.2% per year) are forecast to grow faster than the Indian market (16.8% per year).

High Growth Earnings: 542759's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: 542759's revenue (46.4% per year) is forecast to grow faster than the Indian market (10.8% per year).

High Growth Revenue: 542759's revenue (46.4% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 542759's Return on Equity is forecast to be low in 3 years time (17.2%).


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Past Performance

How has Spandana Sphoorty Financial performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-11.8%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 542759 has high quality earnings.

Growing Profit Margin: 542759's current net profit margins (16.6%) are higher than last year (13.6%).


Past Earnings Growth Analysis

Earnings Trend: 542759's earnings have declined by 11.8% per year over the past 5 years.

Accelerating Growth: 542759's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 542759 had negative earnings growth (-52.1%) over the past year, making it difficult to compare to the Consumer Finance industry average (18.5%).


Return on Equity

High ROE: 542759's Return on Equity (2.3%) is considered low.


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Financial Health

How is Spandana Sphoorty Financial's financial position?

Financial Health Score

4/6

Financial Health Score 4/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: 542759's short term assets (₹67.6B) exceed its short term liabilities (₹790.4M).

Long Term Liabilities: 542759's short term assets (₹67.6B) exceed its long term liabilities (₹39.1B).


Debt to Equity History and Analysis

Debt Level: 542759's net debt to equity ratio (83.2%) is considered high.

Reducing Debt: 542759's debt to equity ratio has reduced from 178% to 122.1% over the past 5 years.

Debt Coverage: 542759's debt is well covered by operating cash flow (22.9%).

Interest Coverage: Insufficient data to determine if 542759's interest payments on its debt are well covered by EBIT.


Balance Sheet


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Dividend

What is Spandana Sphoorty Financial current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage


3.55%

Forecast Dividend Yield

Dividend Yield vs Market

Notable Dividend: Unable to evaluate 542759's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 542759's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 542759's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 542759's dividend payments have been increasing.


Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as 542759 has not reported any payouts.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

0.4yrs

Average management tenure


CEO

Shalabh Saxena

0.42

Tenure

Mr. Shalabh Saxena serves as Managing Director, Chief Executive Officer and Additional Director at Spandana Sphoorty Financial Limited since March 19, 2022. He served as Managing Director and Chief Executi...


Leadership Team

Experienced Management: 542759's management team is not considered experienced ( 0.4 years average tenure), which suggests a new team.


Board Members

Experienced Board: 542759's board of directors are considered experienced (4.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 10.3%.


Top Shareholders

Company Information

Spandana Sphoorty Financial Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Spandana Sphoorty Financial Limited
  • Ticker: 542759
  • Exchange: BSE
  • Founded: 1998
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: ₹29.968b
  • Shares outstanding: 70.95m
  • Website: https://www.spandanaindia.com

Number of Employees


Location

  • Spandana Sphoorty Financial Limited
  • Plot No 31 & 32, Ramky Selinium Towers
  • Tower A, Ground floor
  • Hyderabad
  • 500032
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/02 00:00
End of Day Share Price2022/08/02 00:00
Earnings2022/03/31
Annual Earnings2022/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.