Spandana Sphoorty Financial (BOM:890221) FFO

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

BOM:890221 Spandana Sphoorty Financial Ltd BOM:890221
48 GF Score
Price ₹114.50
GF Value ₹100.29
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Spandana Sphoorty Financial FFO?

FFO (Funds from operations) only applies to REITs.

BOM:890221
48GF Score
Spandana Sphoorty Financial Ltd BOM:890221
FFO is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Spandana Sphoorty Financial (BOM:890221) Overvalued in 2026?

Based on GuruFocus' analysis, Spandana Sphoorty Financial stock appears to be overvalued. The current stock price of ₹114.50 is trading 14.2% above its estimated GF Value™ of ₹100.29. GuruFocus considers Spandana Sphoorty Financial to be Modestly Overvalued.

Key valuation signals for BOM:890221:

  • FFO:
  • GF Value™: ₹100.29 vs. price of ₹114.50 (14.2% above fair value)
  • GF Score™: 48/100 with 5 warning signs

No single metric tells the full story. See the BOM:890221 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Spandana Sphoorty Financial Business Description

Other Exchanges SPANDANA:India542759:India
Address TSIIC, Raidurg Panmaktha, Galaxy, Wing B, 16th Floor, Plot No.1, Sy No 83/1, Rangareddy, Hyderabad Knowledge City, Hyderabad, TG, IND, 500081
Spandana Sphoorty Financial Ltd is an Indian non-banking financial company and microfinance institution focused on rural and semi-urban customers. Its core business is providing income-generating loans to women from low-income households through the joint liability group (JLG) model, under which small groups of borrowers cross-guarantee one another's loans. The company has diversified beyond pure microfinance into secured retail lending, including loan against property (LAP), and offers other retail loan products such as business and personal loans. It operates an extensive branch network across multiple Indian states, with a presence concentrated in rural and semi-urban areas. Revenue is generated primarily through interest and fees on its loan portfolio, and the company funds its lending through borrowings from banks and other financial institutions. It operates as a single financing segment within India.
48GF Score

Get the complete analysis for BOM:890221

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

₹114.50
Price
₹100.29
GF Value