Spandana Sphoorty Financial (NSE:SPANDANA) Moat Score: 0/10 (As of Jul. 07, 2026)


NSE:SPANDANA Spandana Sphoorty Financial Ltd NSE:SPANDANA
69 GF Score
Price ₹310.55
GF Value ₹220.26
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Spandana Sphoorty Financial Moat Score?

Spandana Sphoorty Financial has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Spandana Sphoorty Financial has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Spandana Sphoorty Financial might have No Moat - No discernible moat.

Spandana Sphoorty Financial  (NSE:SPANDANA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Spandana Sphoorty Financial Moat Score Related Terms

NSE:SPANDANA
69GF Score
Spandana Sphoorty Financial Ltd NSE:SPANDANA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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% above its estimated GF Value™ of ₹220.26. GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.

Key valuation signals for NSE:SPANDANA:

  • Moat Score: 0
  • GF Value™: ₹220.26 vs. price of ₹310.55 (41% 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

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

₹310.55
Price
₹220.26
GF Value