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During the past 12 months, Spandana Sphoorty Financial's average Book Value Per Share Growth Rate was -31.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -16.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -8.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 40.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of Spandana Sphoorty Financial was 362.10% per year. The lowest was -16.70% per year. And the median was 10.50% per year.
During the past 12 years, the highest P/B Ratio of Spandana Sphoorty Financial was 3.61. The lowest was 0.65. And the median was 1.32.
Warning Sign:
Spandana Sphoorty Financial Ltd stock PB Ratio (=1.09) is close to 2-year high of 1.19.
Spandana Sphoorty Financial (NSE:SPANDANA) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Spandana Sphoorty Financial Book Value per Share Related Terms
Spandana Sphoorty Financial Book Value per Share Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Spandana Sphoorty Financial Book Value per Share Chart
NSE:SPANDANA vs V, MA, AXP: Book Value per Share Comparison
For the Credit Services subindustry, Spandana Sphoorty Financial's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Spandana Sphoorty Financial PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Spandana Sphoorty Financial (NSE:SPANDANA) has a Book Value per Share of ₹0.00 as of Jun. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Spandana Sphoorty Financial and its competitors.
Is Spandana Sphoorty Financial's Book Value per Share too high?
Spandana Sphoorty Financial's current Book Value per Share is ₹0.00. Overall, Spandana Sphoorty Financial has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's Book Value per Share compare to V and MA?
Spandana Sphoorty Financial's Book Value per Share of ₹0.00 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Credit Services company?
A good Book Value per Share depends on the Credit Services industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Spandana Sphoorty Financial and its competitors. Spandana Sphoorty Financial's current Book Value per Share is ₹0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Spandana Sphoorty Financial stock overvalued right now?
Based on GuruFocus' analysis, Spandana Sphoorty Financial (NSE:SPANDANA) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹197.70, compared to a current price of ₹261.50 — trading 32.3% above its estimated fair value. The current Book Value per Share is ₹0.00. Spandana Sphoorty Financial's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current Book Value per Share is ₹0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Spandana Sphoorty Financial (NSE:SPANDANA) Overvalued in 2026?
Based on GuruFocus' analysis, Spandana Sphoorty Financial stock appears to be overvalued.
The current stock price of ₹261.50 is trading 32.3% above its estimated GF Value™ of ₹197.70.
GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.
Key valuation signals for NSE:SPANDANA:
Book Value per Share: ₹0.00
GF Value™: ₹197.70 vs. price of ₹261.50 (32.3% above fair value)
No single metric tells the full story. See the NSE:SPANDANA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Spandana Sphoorty Financial Ltd is a rural-focused nonbanking financial company (NBFC) and microfinance institution (MFI) with an extensive footprint across India. Its primary objective is to provide incomegenerating loans through the joint liability group (JLG) model, focusing on supporting women from low-income rural and semi-urban households. The group is also expanding to Loan Against Property (LAP) and Nano loans through subsidiary. It has a single business segment which is financing. The company operates in India and generates key revenue from giving loans.
64GF Score
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Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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