Spandana Sphoorty Financial (NSE:SPANDANA) Debt-to-Equity: N/A (As of Jun. 2026)

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NSE:SPANDANA Spandana Sphoorty Financial Ltd NSE:SPANDANA
68 GF Score
Price ₹241.30
GF Value ₹206.81
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Spandana Sphoorty Financial Debt-to-Equity?

Spandana Sphoorty Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹0 Mil. Spandana Sphoorty Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹0 Mil. Spandana Sphoorty Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was ₹0 Mil.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Spandana Sphoorty Financial's Debt-to-Equity or its related term are showing as below:

NSE:SPANDANA' s Debt-to-Equity Range Over the Past 10 Years
Min: 1.01   Med: 1.7   Max: 2.59
Current: 1.85

During the past 12 years, the highest Debt-to-Equity Ratio of Spandana Sphoorty Financial was 2.59. The lowest was 1.01. And the median was 1.70.

NSE:SPANDANA's Debt-to-Equity is ranked worse than
60.44% of 455 companies
in the Credit Services industry
Industry Median: 1.24 vs NSE:SPANDANA: 1.85

Spandana Sphoorty Financial  (NSE:SPANDANA) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Spandana Sphoorty Financial Debt-to-Equity Related Terms

Spandana Sphoorty Financial Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for Spandana Sphoorty Financial's Debt-to-Equity can be seen below:

* 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 Debt-to-Equity Chart

Spandana Sphoorty Financial Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.22 1.96 2.59 2.15 1.85

Spandana Sphoorty Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A 1.48 N/A 1.85 N/A

NSE:SPANDANA vs V, MA, AXP: Debt-to-Equity Comparison

For the Credit Services subindustry, Spandana Sphoorty Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Spandana Sphoorty Financial's Debt-to-Equity falls into.


NSE:SPANDANA
68GF Score
Spandana Sphoorty Financial Ltd NSE:SPANDANA
Debt-to-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Spandana Sphoorty Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Spandana Sphoorty Financial's Debt to Equity Ratio for the fiscal year that ended in Mar. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(26314.2 + 13113.1) / 21293.9
=1.85

Spandana Sphoorty Financial's Debt to Equity Ratio for the quarter that ended in Jun. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 0) / 0
=N/A

* 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.

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 ₹241.30 is trading 16.7% above its estimated GF Value™ of ₹206.81. GuruFocus considers Spandana Sphoorty Financial to be Modestly Overvalued.

Key valuation signals for NSE:SPANDANA:

  • Debt-to-Equity: N/A
  • GF Value™: ₹206.81 vs. price of ₹241.30 (16.7% above fair value)
  • GF Score™: 68/100 with 5 warning signs

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 Business Description

Other Exchanges 890221:India542759:India
Address TSIIC, Raidurg Panmaktha, Galaxy, Wing B, 16th Floor, Plot No.1, Sy No 83/1, Hyderabad Rangareddy, Hyderabad, TG, IND, 500081
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.
68GF Score

Get the complete analysis for NSE:SPANDANA

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

₹241.30
Price
₹206.81
GF Value