EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Spandana Sphoorty Financial EBITDA Margin % Related Terms
Spandana Sphoorty Financial EBITDA Margin % 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: EBITDA Margin % Comparison
For the Credit Services subindustry, Spandana Sphoorty Financial's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's EBITDA Margin % 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.
Spandana Sphoorty Financial (NSE:SPANDANA) has a EBITDA Margin % of -22.15% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Spandana Sphoorty Financial and its competitors. According to the industry distribution chart, Spandana Sphoorty Financial ranks #361 out of 414 companies in the Credit Services industry, placing it in the top 87.2%.
Is Spandana Sphoorty Financial's EBITDA Margin % too high?
Spandana Sphoorty Financial's current EBITDA Margin % is -22.15%. Based on the distribution chart, Spandana Sphoorty Financial ranks #361 out of 414 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Spandana Sphoorty Financial ranks #361 out of 414 companies for EBITDA Margin %. This places Spandana Sphoorty Financial in the lower half of its industry. The industry median EBITDA Margin % is 20.91. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Spandana Sphoorty Financial and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Spandana Sphoorty Financial's current EBITDA Margin % is -22.15%. 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 EBITDA Margin % is -22.15%. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current EBITDA Margin % is -22.15% 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:
EBITDA Margin %: -22.15%
GF Value™: ₹217.52 vs. price of ₹266.80 (22.7% 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.
64GF Score
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