Spandana Sphoorty Financial (NSE:SPANDANA) EV-to-FCF: (As of Jul. 06, 2026)


NSE:SPANDANA Spandana Sphoorty Financial Ltd NSE:SPANDANA
69 GF Score
Price ₹310.55
GF Value ₹220.01
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Spandana Sphoorty Financial EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Spandana Sphoorty Financial's Enterprise Value is ₹54,209 Mil. Spandana Sphoorty Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0 Mil. Therefore, Spandana Sphoorty Financial's EV-to-FCF for today is .

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

NSE:SPANDANA' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 6.09
Current: 6.09

During the past 12 years, the highest EV-to-FCF of Spandana Sphoorty Financial was 6.09. The lowest was 0.00. And the median was 0.00.

NSE:SPANDANA's EV-to-FCF is ranked better than
70.94% of 265 companies
in the Credit Services industry
Industry Median: 13.6 vs NSE:SPANDANA: 6.09

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-06), Spandana Sphoorty Financial's stock price is ₹310.55. Spandana Sphoorty Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹-92.025. Therefore, Spandana Sphoorty Financial's PE Ratio (TTM) for today is At Loss.


Spandana Sphoorty Financial  (NSE:SPANDANA) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Spandana Sphoorty Financial's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=310.55/-92.025
=At Loss

Spandana Sphoorty Financial's share price for today is ₹310.55.
Spandana Sphoorty Financial's Earnings per Share (Diluted) 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 ₹-92.025.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Spandana Sphoorty Financial EV-to-FCF Related Terms


Spandana Sphoorty Financial EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Spandana Sphoorty Financial's EV-to-FCF 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 EV-to-FCF Chart

Spandana Sphoorty Financial Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.82 -4.01 -5.04 1.46 4.90

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
EV-to-FCF 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 1.46 0.00 0.00 0.00 4.90

NSE:SPANDANA vs V, MA, AXP: EV-to-FCF Comparison

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

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

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


NSE:SPANDANA
69GF Score
Spandana Sphoorty Financial Ltd NSE:SPANDANA
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Spandana Sphoorty Financial EV-to-FCF Calculation

Spandana Sphoorty Financial's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=54209.099/0
=

Spandana Sphoorty Financial's current Enterprise Value is ₹54,209 Mil.
Spandana Sphoorty Financial's Free Cash Flow 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 ₹0 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.

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 ₹310.55 is trading 41.2% above its estimated GF Value™ of ₹220.01. GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.

Key valuation signals for NSE:SPANDANA:

  • EV-to-FCF:
  • GF Value™: ₹220.01 vs. price of ₹310.55 (41.2% above fair value)
  • GF Score™: 69/100 with 8 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.
69GF Score

Get the complete analysis for NSE:SPANDANA

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

₹310.55
Price
₹220.01
GF Value