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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Spandana Sphoorty Financial's Debt-to-EBITDA or its related term are showing as below:
NSE:SPANDANA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -18.02 Med: 7.84 Max: 204.73
Current: -18.02
During the past 12 years, the highest Debt-to-EBITDA Ratio of Spandana Sphoorty Financial was 204.73. The lowest was -18.02. And the median was 7.84.
NSE:SPANDANA's Debt-to-EBITDA is ranked worse than 100% of 284
companies
in the Credit Services industry
Industry Median: 9.055
vs NSE:SPANDANA: -18.02
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Spandana Sphoorty Financial Debt-to-EBITDA Related Terms
Spandana Sphoorty Financial Debt-to-EBITDA 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.
NSE:SPANDANA vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Spandana Sphoorty Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Spandana Sphoorty Financial (NSE:SPANDANA) has a Debt-to-EBITDA of 0.00 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Spandana Sphoorty Financial. According to the industry distribution chart, Spandana Sphoorty Financial ranks #999999 out of 284 companies in the Credit Services industry.
Is Spandana Sphoorty Financial's Debt-to-EBITDA too high?
Spandana Sphoorty Financial's current Debt-to-EBITDA is 0.00. Based on the distribution chart, Spandana Sphoorty Financial ranks #999999 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Spandana Sphoorty Financial has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Spandana Sphoorty Financial ranks #999999 out of 284 companies for Debt-to-EBITDA. This places Spandana Sphoorty Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 9.06. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.06, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Spandana Sphoorty Financial. For the Credit Services industry, the median Debt-to-EBITDA is 9.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Spandana Sphoorty Financial's current Debt-to-EBITDA 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 ₹185.91, compared to a current price of ₹257.75 — trading 38.6% above its estimated fair value. The current Debt-to-EBITDA is 0.00. Spandana Sphoorty Financial's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current Debt-to-EBITDA 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 ₹257.75 is trading 38.6% above its estimated GF Value™ of ₹185.91.
GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.
Key valuation signals for NSE:SPANDANA:
Debt-to-EBITDA: 0.00
GF Value™: ₹185.91 vs. price of ₹257.75 (38.6% 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.
66GF Score
Get the complete analysis for NSE:SPANDANA
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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