Spandana Sphoorty Financial (NSE:SPANDANA) Equity-to-Asset: (As of Jun. 2026)

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NSE:SPANDANA Spandana Sphoorty Financial Ltd NSE:SPANDANA
68 GF Score
Price ₹229.25
GF Value ₹216.98
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Spandana Sphoorty Financial Equity-to-Asset?

Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Spandana Sphoorty Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was ₹ Mil. Spandana Sphoorty Financial's Total Assets for the quarter that ended in Jun. 2026 was ₹ Mil.

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

NSE:SPANDANA' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.27   Med: 0.36   Max: 0.48
Current: 0.34

During the past 13 years, the highest Equity to Asset Ratio of Spandana Sphoorty Financial was 0.48. The lowest was 0.27. And the median was 0.36.

NSE:SPANDANA's Equity-to-Asset is ranked worse than
54.23% of 555 companies
in the Credit Services industry
Industry Median: 0.4 vs NSE:SPANDANA: 0.34

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

Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.

For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.


Spandana Sphoorty Financial Equity-to-Asset Related Terms


Spandana Sphoorty Financial Equity-to-Asset Historical Data

* Premium members only.

The historical data trend for Spandana Sphoorty Financial's Equity-to-Asset 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 Equity-to-Asset Chart

Spandana Sphoorty Financial Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Equity-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.44 0.33 0.27 0.31 0.34

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
Equity-to-Asset 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 - 0.39 - 0.34 -

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

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

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

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


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

Spandana Sphoorty Financial Equity-to-Asset Calculation

Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.

Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.

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

Equity to Asset (A: Mar. 2026 )=Total Stockholders Equity/Total Assets
=21293.9/62463.7
=0.34

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

Equity to Asset (Q: Jun. 2026 )=Total Stockholders Equity/Total Assets
=/
=

* 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 ₹229.25 is trading 5.7% above its estimated GF Value™ of ₹216.98. GuruFocus considers Spandana Sphoorty Financial to be Fairly Valued.

Key valuation signals for NSE:SPANDANA:

  • Equity-to-Asset:
  • GF Value™: ₹216.98 vs. price of ₹229.25 (5.7% 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

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

₹229.25
Price
₹216.98
GF Value