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.
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.
Spandana Sphoorty Financial's Enterprise Value for the quarter that ended in Jun. 2026 was ₹23,809 Mil.
Spandana Sphoorty Financial's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was ₹-2,334 Mil. Spandana Sphoorty Financial's Earnings Yield (Joel Greenblatt) for the quarter that ended in Jun. 2026 was -9.79%.
The historical rank and industry rank for Spandana Sphoorty Financial's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
NSE:SPANDANA'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -16.28 Med: 5.19 Max: 36.88
Current: -4.93
During the past 12 years, the highest Earnings Yield (Joel Greenblatt) of Spandana Sphoorty Financial was 36.88%. The lowest was -16.28%. And the median was 5.19%.
NSE:SPANDANA's Earnings Yield (Joel Greenblatt) % is ranked worse than 91.06% of 548
companies
in the Credit Services industry
Industry Median: 0.88
vs NSE:SPANDANA: -4.93
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Spandana Sphoorty Financial's Forward Rate of Return (Yacktman) % for the quarter that ended in Jun. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Spandana Sphoorty Financial Earnings Yield (Joel Greenblatt) % Related Terms
Spandana Sphoorty Financial Earnings Yield (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Spandana Sphoorty Financial's Earnings Yield (Joel Greenblatt) % 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.
For the Credit Services subindustry, Spandana Sphoorty Financial's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's Earnings Yield (Joel Greenblatt) % falls into.
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Spandana Sphoorty Financials Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Mar. 2026 is calculated as
Spandana Sphoorty Financial's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-2,334 Mil.
What does a Earnings Yield (Joel Greenblatt) % of -9.79% mean?
Spandana Sphoorty Financial (NSE:SPANDANA) has a Earnings Yield (Joel Greenblatt) % of -9.79% as of Jun. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Spandana Sphoorty Financial and its competitors. According to the industry distribution chart, Spandana Sphoorty Financial ranks #499 out of 548 companies in the Credit Services industry, placing it in the top 91.1%.
Is Spandana Sphoorty Financial's Earnings Yield (Joel Greenblatt) % too high?
Spandana Sphoorty Financial's current Earnings Yield (Joel Greenblatt) % is -9.79%. Based on the distribution chart, Spandana Sphoorty Financial ranks #499 out of 548 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Spandana Sphoorty Financial has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's Earnings Yield (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Spandana Sphoorty Financial ranks #499 out of 548 companies for Earnings Yield (Joel Greenblatt) %. This places Spandana Sphoorty Financial in the lower half of its industry. The industry median Earnings Yield (Joel Greenblatt) % is 0.88. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 0.88, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Spandana Sphoorty Financial and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 0.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Spandana Sphoorty Financial's current Earnings Yield (Joel Greenblatt) % is -9.79%. 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 Modestly Overvalued. The stock's GF Value™ is ₹208.91, compared to a current price of ₹244.30 — trading 16.9% above its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is -9.79%. Spandana Sphoorty Financial's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current Earnings Yield (Joel Greenblatt) % is -9.79% 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 ₹244.30 is trading 16.9% above its estimated GF Value™ of ₹208.91.
GuruFocus considers Spandana Sphoorty Financial to be Modestly Overvalued.
Key valuation signals for NSE:SPANDANA:
Earnings Yield (Joel Greenblatt) %: -9.79%
GF Value™: ₹208.91 vs. price of ₹244.30 (16.9% 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.
68GF Score
Get the complete analysis for NSE:SPANDANA
Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:SPANDANA has been successfully added to your 
