Spandana Sphoorty Financial (NSE:SPANDANA) Long-Term Debt: ₹39,427 Mil (As of Mar. 2026)

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NSE:SPANDANA Spandana Sphoorty Financial Ltd NSE:SPANDANA
64 GF Score
Price ₹296.90
GF Value ₹223.24
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Spandana Sphoorty Financial Long-Term Debt?

Spandana Sphoorty Financial NSE:SPANDANA -1.49% 64 Long-Term Debt is ₹39,427 Mil as of Mar. 2026. GuruFocus rates NSE:SPANDANA with a GF Score™ of 64/100 and a GF Value™ of ₹223.24 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Spandana Sphoorty Financial's Long-Term Debt for the quarter that ended in Mar. 2026 was ₹39,427 Mil.

Spandana Sphoorty Financial's quarterly Long-Term Debt declined from Sep. 2025 (₹32,892 Mil) to Dec. 2025 (₹0 Mil) but then increased from Dec. 2025 (₹0 Mil) to Mar. 2026 (₹39,427 Mil).

Spandana Sphoorty Financial's annual Long-Term Debt declined from Mar. 2024 (₹31,137 Mil) to Mar. 2025 (₹14,931 Mil) but then increased from Mar. 2025 (₹14,931 Mil) to Mar. 2026 (₹39,427 Mil).

Spandana Sphoorty Financial  (NSE:SPANDANA) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Spandana Sphoorty Financial Long-Term Debt Related Terms

Spandana Sphoorty Financial Long-Term Debt Historical Data

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The historical data trend for Spandana Sphoorty Financial's Long-Term 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 Long-Term Debt Chart

Spandana Sphoorty Financial Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15,572.09 19,204.20 31,136.80 14,931.30 39,427.30

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
Long-Term Debt 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 14,931.30 0.00 32,892.00 0.00 39,427.30
NSE:SPANDANA
64GF Score
Spandana Sphoorty Financial Ltd NSE:SPANDANA
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of ₹39,427 Mil mean?
Spandana Sphoorty Financial (NSE:SPANDANA) has a Long-Term Debt of ₹39,427 Mil as of Mar. 2026.
Is Spandana Sphoorty Financial's Long-Term Debt too high?
Spandana Sphoorty Financial's current Long-Term Debt is ₹39,427 Mil. 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 Long-Term Debt compare to V and MA?
Spandana Sphoorty Financial's Long-Term Debt of ₹39,427 Mil 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 Long-Term Debt for a Credit Services company?
A good Long-Term Debt depends on the Credit Services industry context. However, Long-Term 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Spandana Sphoorty Financial's current Long-Term Debt is ₹39,427 Mil. 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 ₹223.24, compared to a current price of ₹296.90 — trading 33% above its estimated fair value. The current Long-Term Debt is ₹39,427 Mil. Spandana Sphoorty Financial's overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current Long-Term Debt is ₹39,427 Mil as of Mar. 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 ₹296.90 is trading 33% above its estimated GF Value™ of ₹223.24. GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.

Key valuation signals for NSE:SPANDANA:

  • Long-Term Debt: ₹39,427 Mil
  • GF Value™: ₹223.24 vs. price of ₹296.90 (33% above fair value)
  • GF Score™: 64/100 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.
64GF Score

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

₹296.90
Price
₹223.24
GF Value