Spandana Sphoorty Financial Intrinsic Value
Spandana Sphoorty Financial intrinsic value. Spandana Sphoorty Financial (SPANDANA) median intrinsic value is ₹138.50 from 8 valuation models (range ₹64–₹534), vs current price ₹213.52 — -35.1% downside (Trading Above Calculated Value), margin of safety -54.2%. For current market price and key ratios, visit Spandana Sphoorty Financial screener.
SPANDANA Valuation Methods Summary — DCF, Graham Number & P/E
Spandana Sphoorty Financial intrinsic value across 8 models vs current price ₹213.52 — upside/downside and value range per method. Read SPANDANA dividend yield for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹64.06 | ₹51.25 - ₹76.87 | -70.0% | EPS: ₹2.64, Sector P/E: 12x |
| Book Value Method | asset | ₹213.00 | ₹191.70 - ₹234.30 | -0.2% | Book Value/Share: ₹266.25, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹138.50 | ₹124.65 - ₹152.35 | -35.1% | Revenue/Share: ₹138.50, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹345.00 | ₹310.50 - ₹379.50 | +61.6% | EBITDA: ₹552.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹533.80 | ₹427.04 - ₹640.56 | +150.0% | CF Growth: 1.2%, Discount: 15% |
| PEG Ratio Method | growth | ₹64.06 | ₹57.65 - ₹70.47 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹64.06 | ₹57.65 - ₹70.47 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹125.76 | ₹113.18 - ₹138.34 | -41.1% | EPS: ₹2.64, BVPS: ₹266.25 |
SPANDANA Intrinsic Value vs Market Price — All Valuation Models
Spandana Sphoorty Financial fair value range ₹64–₹534 vs current market price ₹213.52 across 8 valuation models. Compare with SPANDANA fair price to assess whether the stock is under or overvalued.
SPANDANA Intrinsic Value Analysis — Undervalued or Overvalued?
Spandana Sphoorty Financial median intrinsic value ₹138.50, current price ₹213.52 — Trading Above Calculated Value by 35.1%, margin of safety -54.2%.
What is the intrinsic value of SPANDANA?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Spandana Sphoorty Financial (SPANDANA) is ₹138.50 (median value). With the current market price of ₹213.52, this represents a -35.1% variance from our estimated fair value.
The valuation range spans from ₹64.06 to ₹533.80, indicating ₹64.06 - ₹533.80.
Is SPANDANA undervalued or overvalued?
Based on our multi-method analysis, Spandana Sphoorty Financial (SPANDANA) appears to be trading above calculated value by approximately 35.1%.
SPANDANA Financial Health — Key Ratios vs Industry Benchmarks
Spandana Sphoorty Financial financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.39 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 0.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 46.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.18x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
SPANDANA Cash Flow Quality — Operating & Free Cash Flow
Spandana Sphoorty Financial operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹883 Cr | ₹883 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹3,681 Cr | ₹3,615 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-2,679 Cr | ₹-2,765 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-2,171 Cr | ₹-2,259 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹863 Cr | ₹863 Cr | Positive Free Cash Flow | 8/10 |