SPANDANA SPHOORTY FIN LTD
SPANDANA · General/Diversified · NSE
₹226
Current Market Price
Fair Value (DCF)
₹888
Margin of Safety
+292.6%
Updated 2d ago
YieldIQ Score
51/100
Piotroski F-Score
6/9
Economic Moat
None
Confidence
42%
ROE
—
Debt/Equity
1.48
WACC
11.1%
Market Cap
₹1,612 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
-1028.0×
EBIT covers interest
Current Ratio
1.56×
Short-term liquidity
Asset Turnover
0.25×
Revenue per ₹ of assets
Revenue CAGR (3Y)
16.0%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹226.13
Bear case
₹843.44
MoS +73.2%
Base case
₹887.83
MoS +74.5%
Bull case
₹9,102.24
MoS +97.5%
Ratio Trends
SPANDANA · last 6 annual periods
ROE
-39.3%
ROCE
-16.3%
Operating Margin
—
Debt / Equity
2.15×
PE
36.0×
EV / EBITDA
—
Historical Financials
SPANDANA · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹1483 Cr | ₹1376 Cr | ₹498 Cr | ₹676 Cr | ₹2160 Cr | +9.9% |
| EBITDA | — | ₹491 Cr | ₹29.7 Cr | ₹692 Cr | ₹-1355 Cr | — |
| EBIT | ₹624 Cr | ₹579 Cr | ₹288 Cr | ₹421 Cr | — | -9.3% |
| PAT | ₹145 Cr | ₹46.6 Cr | ₹106 Cr | ₹129 Cr | ₹-1035 Cr | — |
| EPS (diluted) | ₹22.47 | ₹7.20 | ₹14.83 | ₹17.71 | — | -5.8% |
| CFO | ₹-1342 Cr | ₹820 Cr | ₹-2171 Cr | ₹-2707 Cr | ₹3669 Cr | — |
| CapEx | — | — | — | — | ₹-22.3 Cr | — |
| FCF | — | — | — | — | ₹3646 Cr | +0.0% |
| Total Assets | — | ₹7076 Cr | ₹9383 Cr | ₹13.4K Cr | ₹8494 Cr | +4.7% |
| Total Debt | ₹3318 Cr | ₹1853 Cr | — | ₹5340 Cr | ₹5656 Cr | +14.3% |
| Shareholders' Equity | — | — | ₹3099 Cr | ₹3645 Cr | ₹2633 Cr | -4.0% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
SPANDANA vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| PFS PFS | — | — | Pending | 7.9% | — |
| SATIN SATIN | — | — | Pending | 7.3% | — |
| MUFIN MUFIN | — | — | Pending | 7.1% | — |
| UGROCAP UGROCAP | — | — | Pending | 7.0% | — |
| ARMANFIN ARMAN FIN SERV LTD | +86.9% | 63 | Data Limited | 6.0% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for SPANDANA in the last 10 years.
AI Analysis Summary
SPANDANA.NS appears undervalued by 292.6%, with a standout strength in its high interest coverage of -1028.0x, but a concern is its low revenue CAGR of 0.2% over 3 years.
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of SPANDANA →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for SPANDANA →
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Head-to-head with peers
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Analyse SPANDANANow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.