Spandana Sphoorty Financial (NSE:SPANDANA) EBIT: ₹-3,058 Mil (TTM As of Mar. 2026)


NSE:SPANDANA Spandana Sphoorty Financial Ltd NSE:SPANDANA
64 GF Score
Price ₹266.80
GF Value ₹217.52
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Spandana Sphoorty Financial EBIT?

Spandana Sphoorty Financial NSE:SPANDANA +1.14% 64 EBIT is ₹-3,058 Mil as of Mar. 2026. GuruFocus rates NSE:SPANDANA with a GF Score™ of 64/100 and a GF Value™ of ₹217.52 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Spandana Sphoorty Financial's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹-554 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹-3,058 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Spandana Sphoorty Financial's annualized ROC % for the quarter that ended in Mar. 2026 was -2.94%. Spandana Sphoorty Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was -192.68%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Spandana Sphoorty Financial's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was -6.07%.


Spandana Sphoorty Financial  (NSE:SPANDANA) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Spandana Sphoorty Financial's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=-2215.2 * ( 1 - 34.29% )/( (0 + 49494.9)/ 1 )
=-1455.60792/49494.9
=-2.94 %

where

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Spandana Sphoorty Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-2215.2/( ( (0 + max(0, 0)) + (182.8 + max(966.9, 0)) )/ 1 )
=-2215.2/( ( 0 + 1149.7 )/ 1 )
=-2215.2/1149.7
=-192.68 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 1188.7) - (221.8 + 0 + 0)
=966.9

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Spandana Sphoorty Financial's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=-3057.5/50331.120
=-6.07 %

* 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 EBIT Related Terms


Spandana Sphoorty Financial EBIT Historical Data

* Premium members only.

The historical data trend for Spandana Sphoorty Financial's EBIT 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 EBIT Chart

Spandana Sphoorty Financial Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,820.76 188.00 6,718.80 3,777.60 -3,057.80

Spandana Sphoorty Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT 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 -30.90 -791.20 -838.50 -874.00 -553.80

NSE:SPANDANA vs V, MA, AXP: EBIT Comparison

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

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

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


NSE:SPANDANA
64GF Score
Spandana Sphoorty Financial Ltd NSE:SPANDANA
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Spandana Sphoorty Financial EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-3,058 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹-3,058 Mil mean?
Spandana Sphoorty Financial (NSE:SPANDANA) has a EBIT of ₹-3,058 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Spandana Sphoorty Financial.
Is Spandana Sphoorty Financial's EBIT too high?
Spandana Sphoorty Financial's current EBIT is ₹-3,058 Mil. Overall, Spandana Sphoorty Financial has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's EBIT compare to V and MA?
Spandana Sphoorty Financial's EBIT of ₹-3,058 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Spandana Sphoorty Financial. Spandana Sphoorty Financial's current EBIT is ₹-3,058 Mil. 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 ₹217.52, compared to a current price of ₹266.80 — trading 22.7% above its estimated fair value. The current EBIT is ₹-3,058 Mil. Spandana Sphoorty Financial's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current EBIT is ₹-3,058 Mil as of Mar. 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 ₹266.80 is trading 22.7% above its estimated GF Value™ of ₹217.52. GuruFocus considers Spandana Sphoorty Financial to be Modestly Overvalued.

Key valuation signals for NSE:SPANDANA:

  • EBIT: ₹-3,058 Mil
  • GF Value™: ₹217.52 vs. price of ₹266.80 (22.7% above fair value)
  • GF Score™: 64/100 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.
64GF Score

Get the complete analysis for NSE:SPANDANA

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

₹266.80
Price
₹217.52
GF Value