Spandana Sphoorty Financial Limited

BSE:542759 Stock Report

Market Cap: ₹21.3b

Spandana Sphoorty Financial Valuation

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

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

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: Insufficient data to calculate 542759's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 542759's fair value for valuation analysis.

Key Valuation Metric

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

Key metric: As 542759 is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for 542759. This is calculated by dividing 542759's market cap by their current revenue.
What is 542759's PS Ratio?
PS Ratio4.9x
Sales₹4.37b
Market Cap₹21.31b

Price to Sales Ratio vs Peers

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

The above table shows the PS ratio for 542759 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average5.7x
REPCOHOME Repco Home Finance
2.8x9.0%₹21.0b
NORTHARC Northern Arc Capital
2.8xn/a₹28.2b
508954 Finkurve Financial Services
13.8xn/a₹12.9b
FEDFINA Fedbank Financial Services
3.5x26.5%₹33.6b
542759 Spandana Sphoorty Financial
4.9x39.4%₹21.3b

Price-To-Sales vs Peers: 542759 is good value based on its Price-To-Sales Ratio (4.9x) compared to the peer average (5.7x).

Price to Sales Ratio vs Industry

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

11 CompaniesPrice / SalesEstimated GrowthMarket Cap
RNFI RNFI Services
0.8xn/aUS$81.22m
539113 Paul Merchants
0.07xn/aUS$31.69m
DELPHIFX Delphi World Money
0.1xn/aUS$22.14m
531688 Prithvi Exchange (India)
0.04xn/aUS$16.98m
542759 4.9xIndustry Avg. 5.0xNo. of Companies12PS048121620+
11 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: 542759 is good value based on its Price-To-Sales Ratio (4.9x) compared to the Indian Consumer Finance industry average (5x).

Price to Sales Ratio vs Fair Ratio

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

542759 PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio4.9x
Fair PS Ratio6.7x

Price-To-Sales vs Fair Ratio: 542759 is good value based on its Price-To-Sales Ratio (4.9x) compared to the estimated Fair Price-To-Sales Ratio (6.7x).

Analyst Price Targets

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

The above table shows the analyst 542759 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹299.25
₹490.86
+64.0%
38.0%₹925.00₹335.00n/a7
Feb ’26₹321.25
₹490.86
+52.8%
38.0%₹925.00₹335.00n/a7
Jan ’26₹330.10
₹541.57
+64.1%
29.8%₹925.00₹410.00n/a7
Dec ’25₹396.60
₹541.57
+36.6%
29.8%₹925.00₹410.00n/a7
Nov ’25₹419.20
₹613.00
+46.2%
26.4%₹925.00₹500.00n/a7
Oct ’25₹587.50
₹909.86
+54.9%
13.9%₹1,184.00₹780.00n/a7
Sep ’25₹629.00
₹909.86
+44.7%
13.9%₹1,184.00₹780.00n/a7
Aug ’25₹671.35
₹998.63
+48.7%
20.2%₹1,450.00₹800.00n/a8
Jul ’25₹731.50
₹1,218.88
+66.6%
10.2%₹1,450.00₹1,065.00n/a8
Jun ’25₹756.95
₹1,218.88
+61.0%
10.2%₹1,450.00₹1,065.00n/a8
May ’25₹870.90
₹1,218.88
+40.0%
10.2%₹1,450.00₹1,065.00n/a8
Apr ’25₹882.00
₹1,335.25
+51.4%
8.0%₹1,450.00₹1,150.00n/a8
Mar ’25₹915.15
₹1,335.25
+45.9%
8.0%₹1,450.00₹1,150.00n/a8
Feb ’25₹995.00
₹1,354.57
+36.1%
7.4%₹1,450.00₹1,150.00₹321.257
Jan ’25₹1,128.90
₹1,201.17
+6.4%
8.4%₹1,400.00₹1,065.00₹330.106
Dec ’24₹1,013.20
₹1,134.50
+12.0%
4.4%₹1,207.00₹1,065.00₹396.606
Nov ’24₹889.75
₹1,134.50
+27.5%
4.4%₹1,207.00₹1,065.00₹419.206
Oct ’24₹834.95
₹982.83
+17.7%
8.5%₹1,100.00₹847.00₹587.506
Sep ’24₹819.40
₹982.83
+19.9%
8.5%₹1,100.00₹847.00₹629.006
Aug ’24₹836.95
₹966.17
+15.4%
9.1%₹1,100.00₹847.00₹671.356
Jul ’24₹717.20
₹846.75
+18.1%
3.9%₹900.00₹815.00₹731.504
Jun ’24₹689.70
₹840.50
+21.9%
4.6%₹900.00₹800.00₹756.954
May ’24₹595.60
₹783.75
+31.6%
8.6%₹900.00₹735.00₹870.904
Apr ’24₹532.60
₹783.75
+47.2%
8.6%₹900.00₹735.00₹882.004
Mar ’24₹564.35
₹783.75
+38.9%
8.6%₹900.00₹735.00₹915.154
Feb ’24₹559.95
₹783.75
+40.0%
8.6%₹900.00₹735.00₹995.004
Analyst Price Target
Consensus Narrative from 7 Analysts
₹491.60
Fair Value
39.1% undervalued intrinsic discount
7
Number of Analysts

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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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/16 09:12
End of Day Share Price 2025/02/14 00:00
Earnings2024/12/31
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Spandana Sphoorty Financial Limited is covered by 15 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullAnand Rathi Shares and Stock Brokers Limited
Yuvraj ChoudharyAnand Rathi Shares and Stock Brokers Limited
Praveen AgarwalAxis Capital Limited