Spandana Sphoorty Financial Intrinsic Value
Spandana Sphoorty Financial (SPANDANA) median intrinsic value is ₹156.06 from 8 valuation models (range ₹78–₹654), vs current price ₹261.50 — -40.3% downside (Trading Above Calculated Value), margin of safety -67.6%. 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 ₹261.50 — 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 | ₹78.45 | ₹62.76 - ₹94.14 | -70.0% | EPS: ₹2.64, Sector P/E: 12x |
| Book Value Method | asset | ₹296.68 | ₹267.01 - ₹326.35 | +13.5% | Book Value/Share: ₹370.85, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹156.06 | ₹140.45 - ₹171.67 | -40.3% | Revenue/Share: ₹156.06, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹388.73 | ₹349.86 - ₹427.60 | +48.7% | EBITDA: ₹552.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹653.75 | ₹523.00 - ₹784.50 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹78.45 | ₹70.61 - ₹86.30 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹78.45 | ₹70.61 - ₹86.30 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹148.42 | ₹133.58 - ₹163.26 | -43.2% | EPS: ₹2.64, BVPS: ₹370.85 |
SPANDANA Intrinsic Value vs Market Price — All Valuation Models
Spandana Sphoorty Financial fair value range ₹78–₹654 vs current market price ₹261.50 across 8 valuation models. Analyse Spandana Sphoorty Financial shareholding analysis to track promoter, FII and institutional holdings.
SPANDANA Intrinsic Value Analysis — Undervalued or Overvalued?
Spandana Sphoorty Financial median intrinsic value ₹156.06, current price ₹261.50 — Trading Above Calculated Value by 40.3%, margin of safety -67.6%.
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 ₹261.50, this represents a -40.3% variance from our estimated fair value.
The valuation range spans from ₹78.45 to ₹653.75, indicating ₹78.45 - ₹653.75.
Is SPANDANA undervalued or overvalued?
Based on our multi-method analysis, Spandana Sphoorty Financial (SPANDANA) appears to be trading above calculated value by approximately 40.3%.
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 |