Spencers Retail (NSE:SPENCERS) Net 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.

NSE:SPENCERS Spencers Retail Ltd NSE:SPENCERS
50 GF Score
Price ₹28.03
GF Value ₹56.61
Valuation Possible Value Trap
! 5 Warning Signs
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What is Spencers Retail Net Loan?

Net Loan only applies to banks and insurance companies.

NSE:SPENCERS
50GF Score
Spencers Retail Ltd NSE:SPENCERS
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Spencers Retail (NSE:SPENCERS) Overvalued in 2026?

Based on GuruFocus' analysis, Spencers Retail stock appears to be undervalued. The current stock price of ₹28.03 is trading 50.5% below its estimated GF Value™ of ₹56.61. GuruFocus considers Spencers Retail to be Possible Value Trap.

Key valuation signals for NSE:SPENCERS:

  • Net Loan:
  • GF Value™: ₹56.61 vs. price of ₹28.03 (50.5% below fair value)
  • GF Score™: 50/100 with 5 warning signs

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


Spencers Retail Business Description

Other Exchanges 542337:India
Address 2/4, Judges Court Road, RPSG House, Kolkata, WB, IND, 700027
Spencers Retail Ltd is an Indian organized retail company operating a chain of supermarkets, hypermarkets, and convenience stores, primarily under the Spencer's brand. Its stores offer food and groceries, fresh produce, personal care products, apparel, home essentials, and consumer electronics, along with specialty formats such as gourmet food, patisserie, and wine and liquor. The company serves individual consumers through its physical retail network and also sells online via its own e-commerce platform and third-party delivery partners. Spencers Retail operates exclusively in India, with a presence concentrated in major cities and urban markets across multiple states. Revenue is generated mainly through direct merchandise sales at its stores and online channels, supplemented by concession and franchise arrangements. The company is part of the RP-Sanjiv Goenka Group.
50GF Score

Get the complete analysis for NSE:SPENCERS

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

₹28.03
Price
₹56.61
GF Value