Spandana Sphoorty Financial Limited engages in the microfinance business in India.
Spandana Sphoorty Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₹542.90|
|52 Week High||₹479.80|
|52 Week Low||₹830.00|
|1 Month Change||-13.71%|
|3 Month Change||-16.92%|
|1 Year Change||-2.49%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-35.96%|
Recent News & Updates
Spandana Sphoorty Financial Limited Just Beat Revenue Estimates By 7.7%
Spandana Sphoorty Financial Limited ( NSE:SPANDANA ) last week reported its latest first-quarter results, which makes...
|SPANDANA||IN Consumer Finance||IN Market|
Return vs Industry: SPANDANA underperformed the Indian Consumer Finance industry which returned 91.7% over the past year.
Return vs Market: SPANDANA underperformed the Indian Market which returned 68.3% over the past year.
Stable Share Price: SPANDANA is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: SPANDANA's weekly volatility (4%) has been stable over the past year.
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
|SPANDANA fundamental statistics|
Is SPANDANA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SPANDANA income statement (TTM)|
|Cost of Revenue||₹0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
Nov 14, 2021
|Earnings per share (EPS)||21.75|
|Net Profit Margin||12.85%|
How did SPANDANA perform over the long term?See historical performance and comparison
Is Spandana Sphoorty Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SPANDANA (₹542.9) is trading below our estimate of fair value (₹586.24)
Significantly Below Fair Value: SPANDANA is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: SPANDANA is poor value based on its PE Ratio (25x) compared to the Indian Consumer Finance industry average (21.9x).
PE vs Market: SPANDANA is poor value based on its PE Ratio (25x) compared to the Indian market (22.2x).
Price to Earnings Growth Ratio
PEG Ratio: SPANDANA is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: SPANDANA is overvalued based on its PB Ratio (1.3x) compared to the IN Consumer Finance industry average (0.9x).
How is Spandana Sphoorty Financial forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SPANDANA's forecast earnings growth (47.8% per year) is above the savings rate (6.7%).
Earnings vs Market: SPANDANA's earnings (47.8% per year) are forecast to grow faster than the Indian market (19.1% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: SPANDANA's revenue (14.6% per year) is forecast to grow faster than the Indian market (12.8% per year).
High Growth Revenue: SPANDANA's revenue (14.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SPANDANA's Return on Equity is forecast to be low in 3 years time (18.9%).
How has Spandana Sphoorty Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SPANDANA has high quality earnings.
Growing Profit Margin: SPANDANA's current net profit margins (12.9%) are lower than last year (28.1%).
Past Earnings Growth Analysis
Earnings Trend: SPANDANA's earnings have grown by 4.4% per year over the past 5 years.
Accelerating Growth: SPANDANA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SPANDANA had negative earnings growth (-55.8%) over the past year, making it difficult to compare to the Consumer Finance industry average (5.7%).
Return on Equity
High ROE: SPANDANA's Return on Equity (5.1%) is considered low.
How is Spandana Sphoorty Financial's financial position?
Financial Position Analysis
Short Term Liabilities: SPANDANA's short term assets (₹84.2B) exceed its short term liabilities (₹34.1B).
Long Term Liabilities: SPANDANA's short term assets (₹84.2B) exceed its long term liabilities (₹24.2B).
Debt to Equity History and Analysis
Debt Level: SPANDANA's debt to equity ratio (195.3%) is considered high.
Reducing Debt: SPANDANA's debt to equity ratio has reduced from 339.9% to 195.3% over the past 5 years.
Debt Coverage: SPANDANA's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if SPANDANA's interest payments on its debt are well covered by EBIT.
What is Spandana Sphoorty Financial current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate SPANDANA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate SPANDANA'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 SPANDANA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if SPANDANA's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of SPANDANA's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mrs. Padmaja Reddy Gangireddy serves as Director at Spandana Sphoorty Financial Ltd since April 19, 2003 and also serves as its Managing Director. She founded Spandana Sphoorty Financial Limited in 1997. S...
CEO Compensation Analysis
Compensation vs Market: Padmaja's total compensation ($USD713.50K) is above average for companies of similar size in the Indian market ($USD287.98K).
Compensation vs Earnings: Padmaja's compensation has been consistent with company performance over the past year.
Experienced Management: SPANDANA's management team is not considered experienced ( 1.2 years average tenure), which suggests a new team.
Experienced Board: SPANDANA's board of directors are considered experienced (4.4 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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Spandana Sphoorty Financial Limited's employee growth, exchange listings and data sources
- Name: Spandana Sphoorty Financial Limited
- Ticker: SPANDANA
- Exchange: NSEI
- Founded: 1998
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹34.967b
- Shares outstanding: 64.41m
- 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||2021/10/19 15:46|
|End of Day Share Price||2021/10/19 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.