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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-08-28), Spandana Sphoorty Financial's 3-1 Month Momentum % is 2.85%.
The industry rank for Spandana Sphoorty Financial's 3-1 Month Momentum % or its related term are showing as below:
NSE:SPANDANA's 3-1 Month Momentum % is ranked better than 53.64% of 563
companies
in the Credit Services industry
Industry Median: -0.61
vs NSE:SPANDANA: 2.85
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Spandana Sphoorty Financial 3-1 Month Momentum % Related Terms
NSE:SPANDANA vs V, MA, AXP: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, Spandana Sphoorty Financial's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's 3-1 Month Momentum % 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 3-1 Month Momentum % of 2.85% as of Aug. 28, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Spandana Sphoorty Financial and its competitors. According to the industry distribution chart, Spandana Sphoorty Financial ranks #261 out of 563 companies in the Credit Services industry, placing it in the top 46.4%.
Is Spandana Sphoorty Financial's 3-1 Month Momentum % too high?
Spandana Sphoorty Financial's current 3-1 Month Momentum % is 2.85%. Based on the distribution chart, Spandana Sphoorty Financial ranks #261 out of 563 companies in the Credit Services industry, which is above the industry midpoint. Overall, Spandana Sphoorty Financial has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's 3-1 Month Momentum % compare to V and MA?
According to the Credit Services industry distribution chart, Spandana Sphoorty Financial ranks #261 out of 563 companies for 3-1 Month Momentum %. This puts Spandana Sphoorty Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
A good 3-1 Month Momentum % depends on the Credit Services industry context. However, 3-1 Month Momentum % 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Spandana Sphoorty Financial and its competitors. Spandana Sphoorty Financial's current 3-1 Month Momentum % is 2.85%. 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 Modestly Overvalued. The stock's GF Value™ is ₹208.91, compared to a current price of ₹244.30 — trading 16.9% above its estimated fair value. The current 3-1 Month Momentum % is 2.85%. Spandana Sphoorty Financial's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current 3-1 Month Momentum % is 2.85% as of Aug. 28, 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 ₹244.30 is trading 16.9% above its estimated GF Value™ of ₹208.91.
GuruFocus considers Spandana Sphoorty Financial to be Modestly Overvalued.
Key valuation signals for NSE:SPANDANA:
3-1 Month Momentum %: 2.85%
GF Value™: ₹208.91 vs. price of ₹244.30 (16.9% 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.
68GF Score
Get the complete analysis for NSE:SPANDANA
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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