Spotify Technology (WBO:SPOT) Gross Loan

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WBO:SPOT Spotify Technology SA WBO:SPOT
80 GF Score
Price €448.50
GF Value €465.61
Valuation Fairly Valued
! 2 Warning Signs
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What is Spotify Technology Gross Loan?

Gross Loan only applies to banks.

WBO:SPOT
80GF Score
Spotify Technology SA WBO:SPOT
Gross Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Spotify Technology (WBO:SPOT) Overvalued in 2026?

Based on GuruFocus' analysis, Spotify Technology stock appears to be undervalued. The current stock price of €448.50 is trading 3.7% below its estimated GF Value™ of €465.61. GuruFocus considers Spotify Technology to be Fairly Valued.

Key valuation signals for WBO:SPOT:

  • Gross Loan:
  • GF Value™: €465.61 vs. price of €448.50 (3.7% below fair value)
  • GF Score™: 80/100 with 2 warning signs

No single metric tells the full story. See the WBO:SPOT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Spotify Technology Business Description

Address Regeringsgatan 19, Stockholm, SWE, 111 53
Spotify Technology is the world's largest music streaming service, with well over 600 million monthly active users across more than 180 markets. Its freemium model converts ad-supported listeners into Premium subscribers, who account for the substantial majority of revenue; the ad-supported tier monetizes the remainder through audio and podcast advertising. Beyond music licensed from the major labels, Spotify has invested heavily in podcasts, where it is a leading global platform, and audiobooks, included within Premium plans, positioning itself as an all-audio platform. Machine-learning-driven personalization (Discover Weekly, AI DJ) underpins engagement, and recent years brought its first sustained profitability alongside price increases. Founded in 2006 by Daniel Ek and Martin Lorentzon in Stockholm, Spotify is headquartered in Luxembourg with shares listed on the NYSE.
80GF Score

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Gross Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€448.50
Price
€465.61
GF Value