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.
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Spandana Sphoorty Financial Effective Interest Rate on Debt % Related Terms
Spandana Sphoorty Financial Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for Spandana Sphoorty Financial's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
NSE:SPANDANA vs V, MA, AXP: Effective Interest Rate on Debt % Comparison
For the Credit Services subindustry, Spandana Sphoorty Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Jun. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 0.00% mean?
Spandana Sphoorty Financial (NSE:SPANDANA) has a Effective Interest Rate on Debt % of 0.00% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Spandana Sphoorty Financial and its competitors.
Is Spandana Sphoorty Financial's Effective Interest Rate on Debt % too high?
Spandana Sphoorty Financial's current Effective Interest Rate on Debt % is 0.00%. Overall, Spandana Sphoorty Financial has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's Effective Interest Rate on Debt % compare to V and MA?
Spandana Sphoorty Financial's Effective Interest Rate on Debt % of 0.00% 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 Effective Interest Rate on Debt % for a Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Spandana Sphoorty Financial and its competitors. Spandana Sphoorty Financial's current Effective Interest Rate on Debt % 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 ₹197.70, compared to a current price of ₹261.50 — trading 32.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Spandana Sphoorty Financial's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current Effective Interest Rate on Debt % 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 ₹261.50 is trading 32.3% above its estimated GF Value™ of ₹197.70.
GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.
Key valuation signals for NSE:SPANDANA:
Effective Interest Rate on Debt %: 0.00%
GF Value™: ₹197.70 vs. price of ₹261.50 (32.3% 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
Get the complete analysis for NSE:SPANDANA
Effective Interest Rate on Debt % 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 
