Spandana Sphoorty Financial Intrinsic Value
Spandana Sphoorty Financial (SPANDANA) median intrinsic value is ₹156.06 from 8 valuation models (range ₹78–₹649), vs current price ₹259.55 — -39.9% downside (Trading Above Calculated Value), margin of safety -66.3%. Browse SPANDANA annual financials for revenue, profit, balance sheet and cash flow data.
SPANDANA Valuation Methods Summary — DCF, Graham Number & P/E
Spandana Sphoorty Financial intrinsic value across 8 models vs current price ₹259.55 — upside/downside and value range per method. For current market price and key ratios, visit Spandana Sphoorty Financial screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹77.86 | ₹62.29 - ₹93.43 | -70.0% | EPS: ₹2.64, Sector P/E: 12x |
| Book Value Method | asset | ₹296.68 | ₹267.01 - ₹326.35 | +14.3% | Book Value/Share: ₹370.85, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹156.06 | ₹140.45 - ₹171.67 | -39.9% | Revenue/Share: ₹156.06, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹388.73 | ₹349.86 - ₹427.60 | +49.8% | EBITDA: ₹552.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹648.88 | ₹519.10 - ₹778.66 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹77.86 | ₹70.07 - ₹85.65 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹77.86 | ₹70.07 - ₹85.65 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹148.42 | ₹133.58 - ₹163.26 | -42.8% | EPS: ₹2.64, BVPS: ₹370.85 |
SPANDANA Intrinsic Value vs Market Price — All Valuation Models
Spandana Sphoorty Financial fair value range ₹78–₹649 vs current market price ₹259.55 across 8 valuation models. Also explore SPANDANA share price history to track price trends across different timeframes.
SPANDANA Intrinsic Value Analysis — Undervalued or Overvalued?
Spandana Sphoorty Financial median intrinsic value ₹156.06, current price ₹259.55 — Trading Above Calculated Value by 39.9%, margin of safety -66.3%.
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 ₹156.06 (median value). With the current market price of ₹259.55, this represents a -39.9% variance from our estimated fair value.
The valuation range spans from ₹77.86 to ₹648.88, indicating ₹77.86 - ₹648.88.
Is SPANDANA undervalued or overvalued?
Based on our multi-method analysis, Spandana Sphoorty Financial (SPANDANA) appears to be trading above calculated value by approximately 39.9%.
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 | 0.38 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 0.8% | 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 | 0.13x | 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 2025 | ₹3,669 Cr | ₹3,610 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 |
| March 2021 | ₹-1,754 Cr | ₹-1,754 Cr | Negative Cash Flow | 3/10 |