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Spandana Sphoorty FinancialNSE:SPANDANA +0.50%64 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 305.29. GuruFocus rates NSE:SPANDANA with a GF Score™ of 64/100 and a GF Value™ of ₹199.66 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 163 Credit Services companies, Spandana Sphoorty Financial ranks worse than 613496.32% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Spandana Sphoorty Financial's
Operating Income
for the
three
months ended in Jun. 2026 was ₹-67 Mil. Spandana Sphoorty Financial's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
Spandana Sphoorty Financial has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Spandana Sphoorty Financial's Interest Coverage or its related term are showing as below:
NSE:SPANDANA's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 52.24 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Spandana Sphoorty Financial Interest Coverage Related Terms
Spandana Sphoorty Financial Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NSE:SPANDANA vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Spandana Sphoorty Financial's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Spandana Sphoorty Financial (NSE:SPANDANA) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Spandana Sphoorty Financial and its competitors. This is 100% below median its historical median of 305.29. Over the past decade, Spandana Sphoorty Financial's Interest Coverage has ranged from 41.97 to 1,608.50. According to the industry distribution chart, Spandana Sphoorty Financial ranks #999999 out of 163 companies in the Credit Services industry.
Is Spandana Sphoorty Financial's Interest Coverage too high?
Spandana Sphoorty Financial's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 305.29. Over the past 10 years, this metric has ranged from a low of 41.97 to a high of 1,608.50. Based on the distribution chart, Spandana Sphoorty Financial ranks #999999 out of 163 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Spandana Sphoorty Financial ranks #999999 out of 163 companies for Interest Coverage. This places Spandana Sphoorty Financial in the lower half of its industry. The industry median Interest Coverage is 52.24. Historically, Spandana Sphoorty Financial's own Interest Coverage has ranged from 41.97 to 1,608.50 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 52.24, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Spandana Sphoorty Financial and its competitors. For the Credit Services industry, the median Interest Coverage is 52.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Spandana Sphoorty Financial's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 305.29. 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 ₹199.66, compared to a current price of ₹261.10 — trading 30.8% above its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 305.29. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current Interest Coverage is No Debt (1) 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 ₹261.10 is trading 30.8% above its estimated GF Value™ of ₹199.66.
GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.
Key valuation signals for NSE:SPANDANA:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 305.29)
GF Value™: ₹199.66 vs. price of ₹261.10 (30.8% 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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