542759 Stock Overview
Spandana Sphoorty Financial Limited engages in the microfinance business in India.
Spandana Sphoorty Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₹422.90|
|52 Week High||₹675.55|
|52 Week Low||₹288.75|
|1 Month Change||2.52%|
|3 Month Change||1.98%|
|1 Year Change||-34.65%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-50.15%|
Recent News & Updates
|542759||IN Consumer Finance||IN Market|
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.
|542759 Average Weekly Movement||9.3%|
|Consumer Finance Industry Average Movement||6.6%|
|Market Average Movement||6.6%|
|10% most volatile stocks in IN Market||9.3%|
|10% least volatile stocks in IN Market||4.3%|
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
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
|542759 fundamental statistics|
Is 542759 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|542759 income statement (TTM)|
|Cost of Revenue||₹0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 04, 2022
|Earnings per share (EPS)||9.79|
|Net Profit Margin||16.63%|
How did 542759 perform over the long term?See historical performance and comparison
Is 542759 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is 542759's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does 542759's PE Ratio compare to its peers?
|542759 PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
540749 MAS Financial Services
532900 Paisalo Digital
539844 Equitas Holdings
531179 Arman Financial Services
542759 Spandana Sphoorty Financial
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.
|Current PE Ratio||43.1x|
|Fair PE Ratio||57.9x|
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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How is Spandana Sphoorty Financial forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Future Growth Score5/6
Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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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How has Spandana Sphoorty Financial performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
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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How is Spandana Sphoorty Financial's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
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.
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What is Spandana Sphoorty Financial current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Cash Flow Coverage
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.
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How experienced are the management team and are they aligned to shareholders interests?
Average management 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...
Experienced Management: 542759's management team is not considered experienced ( 0.4 years average tenure), which suggests a new team.
Experienced Board: 542759's board of directors are considered experienced (4.8 years average tenure).
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.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 10.3%.
Spandana Sphoorty Financial Limited's employee growth, exchange listings and data sources
- 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
- Spandana Sphoorty Financial Limited
- Plot No 31 & 32, Ramky Selinium Towers
- Tower A, Ground floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/02 00:00|
|End of Day Share Price||2022/08/02 00:00|
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.