Spandana Sphoorty Financial (NSE:SPANDANA) LT-Debt-to-Total-Asset: 0.63 (As of Mar. 2026)

What is Spandana Sphoorty Financial LT-Debt-to-Total-Asset?

Spandana Sphoorty Financial NSE:SPANDANA -4.51% 64 LT-Debt-to-Total-Asset is 0.63 as of Mar. 2026. GuruFocus rates NSE:SPANDANA with a GF Score™ of 64/100 and a GF Value™ of ₹220.50 (Significantly Overvalued). The stock has 8 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Spandana Sphoorty Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.63.

Spandana Sphoorty Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.18) to Mar. 2026 (0.63). It may suggest that Spandana Sphoorty Financial is progressively becoming more dependent on debt to grow their business.

Spandana Sphoorty Financial (NSE:SPANDANA) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Spandana Sphoorty Financial LT-Debt-to-Total-Asset Related Terms

Spandana Sphoorty Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Spandana Sphoorty Financial's LT-Debt-to-Total-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 LT-Debt-to-Total-Asset Chart

Spandana Sphoorty Financial Annual Data

Trend

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

LT-Debt-to-Total-Asset

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0.22

0.21

0.23

0.18

0.63

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.18	0.00	0.58	0.00	0.63

64GF Score

Spandana Sphoorty Financial Ltd NSE:SPANDANA

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Spandana Sphoorty Financial LT-Debt-to-Total-Asset Calculation

Spandana Sphoorty Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )	/	Total Assets (A: Mar. 2026 )
	=	39427.3	/	62463.7
	=	0.63

Spandana Sphoorty Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	39427.3	/	62463.7
	=	0.63

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.63 mean?

Spandana Sphoorty Financial (NSE:SPANDANA) has a LT-Debt-to-Total-Asset of 0.63 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Spandana Sphoorty Financial and its competitors.

Is Spandana Sphoorty Financial's LT-Debt-to-Total-Asset too high?

Spandana Sphoorty Financial's current LT-Debt-to-Total-Asset is 0.63. 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 LT-Debt-to-Total-Asset compare to V and MA?

Spandana Sphoorty Financial's LT-Debt-to-Total-Asset of 0.63 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 LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Spandana Sphoorty Financial and its competitors. Spandana Sphoorty Financial's current LT-Debt-to-Total-Asset is 0.63. 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 ₹220.50, compared to a current price of ₹296.55 — trading 34.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.63. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current LT-Debt-to-Total-Asset is 0.63 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 ₹296.55 is trading 34.5% above its estimated GF Value™ of ₹220.50. GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.

Key valuation signals for NSE:SPANDANA:

LT-Debt-to-Total-Asset: 0.63
GF Value™: ₹220.50 vs. price of ₹296.55 (34.5% 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

Industry Financial Services Credit Services

Comparable Companies NSE:SATIN BOM:542774 BOM:533344 BOM:543766 BOM:531179 BOM:543652 BOM:511742 BOM:530927 BOM:544055 BOM:526650 V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges 890221:India 542759:India

Address TSIIC, Raidurg Panmaktha, Galaxy, Wing B, 16th Floor, Plot No.1, Sy No 83/1, Hyderabad Rangareddy, Hyderabad, TG, IND, 500081

Website https://www.spandanasphoorty.com

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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₹296.55

Price

₹220.50

GF Value

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