OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Spandana Sphoorty Financial OCF Yield % Related Terms
Spandana Sphoorty Financial OCF Yield % 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.
NSE:SPANDANA vs V, MA, AXP: OCF Yield % Comparison
For the Credit Services subindustry, Spandana Sphoorty Financial's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's OCF Yield % falls into.
* 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 (NSE:SPANDANA) has a OCF Yield % of 32.93 as of Jul. 08, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Spandana Sphoorty Financial and its competitors. Over the past decade, Spandana Sphoorty Financial's OCF Yield % has ranged from 32.93 to 32.93. According to the industry distribution chart, Spandana Sphoorty Financial ranks #74 out of 539 companies in the Credit Services industry, placing it in the top 13.7%.
Is Spandana Sphoorty Financial's OCF Yield % too high?
Spandana Sphoorty Financial's current OCF Yield % is 32.93. Over the past 10 years, this metric has ranged from a low of 32.93 to a high of 32.93. The Credit Services industry median OCF Yield % is 0.05. Spandana Sphoorty Financial's value of 32.93 is 65760% above this industry median. Based on the distribution chart, Spandana Sphoorty Financial ranks #74 out of 539 companies in the Credit Services industry, which is in the top quartile — a strong position 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 OCF Yield % compare to V and MA?
According to the Credit Services industry distribution chart, Spandana Sphoorty Financial ranks #74 out of 539 companies for OCF Yield %. This places Spandana Sphoorty Financial in the top 14% of its industry — outperforming the majority of peers. The industry median OCF Yield % is 0.05. Spandana Sphoorty Financial's value of 32.93 is 65760% above this benchmark. Historically, Spandana Sphoorty Financial's own OCF Yield % has ranged from 32.93 to 32.93 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 OCF Yield % for a Credit Services company?
The median OCF Yield % among Credit Services companies is 0.05, based on 539 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Spandana Sphoorty Financial's current OCF Yield % of 32.93 is 65760% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Spandana Sphoorty Financial and its competitors. For the Credit Services industry, the median OCF Yield % is 0.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Spandana Sphoorty Financial's current OCF Yield % is 32.93. 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 OCF Yield % is 32.93 and 65760% above the Credit Services industry median of 0.05. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current OCF Yield % is 32.93 as of Jul. 08, 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:
OCF Yield %: 32.93
GF Value™: ₹220.50 vs. price of ₹296.55 (34.5% above fair value)
Industry Position: 65760% above the Credit Services median (#74 of 539)
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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