Spandana Sphoorty Financial (BOM:890221) Research & Development: ₹0 Mil (TTM As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BOM:890221 Spandana Sphoorty Financial Ltd BOM:890221
45 GF Score
Price ₹137.10
GF Value ₹92.21
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Spandana Sphoorty Financial Research & Development?

Spandana Sphoorty Financial BOM:890221 +0.07% 45 Research & Development is ₹0 Mil as of Jun. 2026. GuruFocus rates BOM:890221 with a GF Score™ of 45/100 and a GF Value™ of ₹92.21 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Research & Development is the aggregate amount of research and development expenses during the year. Spandana Sphoorty Financial's Research & Development for the three months ended in Jun. 2026 was ₹0 Mil. Its Research & Development for the trailing twelve months (TTM) ended in Jun. 2026 was ₹0 Mil.

Spandana Sphoorty Financial  (BOM:890221) Research & Development Explanation

If competitive advantage is created by a patent or tech advantage, at some point it will disappear.

High R&D usually dictates high SG&A which threatens the competitive advantage.

Spandana Sphoorty Financial Research & Development Related Terms

Spandana Sphoorty Financial Research & Development Historical Data

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The historical data trend for Spandana Sphoorty Financial's Research & Development 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 Research & Development Chart

Spandana Sphoorty Financial Annual Data
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Spandana Sphoorty Financial Quarterly Data
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BOM:890221
45GF Score
Spandana Sphoorty Financial Ltd BOM:890221
Research & Development is just one metric. See GF Score™, valuation, warning signs, and more.
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Spandana Sphoorty Financial Research & Development Calculation

This is the expense the company spent on research and development.

Research & Development for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0 Mil.

* 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.

Frequently Asked Questions Learn more about Research & Development →
What does a Research & Development of ₹0 Mil mean?
Spandana Sphoorty Financial (BOM:890221) has a Research & Development of ₹0 Mil as of Jun. 2026. Research and development expense is the total cost for research and development activities. View historical data on Spandana Sphoorty Financial and its competitors.
Is Spandana Sphoorty Financial's Research & Development too high?
Spandana Sphoorty Financial's current Research & Development is ₹0 Mil. Overall, Spandana Sphoorty Financial has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's Research & Development compare to V and MA?
Spandana Sphoorty Financial's Research & Development of ₹0 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 Research & Development for a Credit Services company?
A good Research & Development depends on the Credit Services industry context. However, Research & Development 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 Research & Development mean?
A high Research & Development can signal that a stock is expensive relative to its fundamentals. Research and development expense is the total cost for research and development activities. View historical data on Spandana Sphoorty Financial and its competitors. Spandana Sphoorty Financial's current Research & Development is ₹0 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 (BOM:890221) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹92.21, compared to a current price of ₹137.10 — trading 48.7% above its estimated fair value. The current Research & Development is ₹0 Mil. Spandana Sphoorty Financial's overall GF Score™ is 45/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Research & Development calculated?
Research & Development is calculated from a company's financial statements. For Spandana Sphoorty Financial (BOM:890221), the current Research & Development is ₹0 Mil as of Jun. 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 (BOM:890221) Overvalued in 2026?

Based on GuruFocus' analysis, Spandana Sphoorty Financial stock appears to be overvalued. The current stock price of ₹137.10 is trading 48.7% above its estimated GF Value™ of ₹92.21. GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.

Key valuation signals for BOM:890221:

  • Research & Development: ₹0 Mil
  • GF Value™: ₹92.21 vs. price of ₹137.10 (48.7% above fair value)
  • GF Score™: 45/100 with 6 warning signs

No single metric tells the full story. See the BOM:890221 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Spandana Sphoorty Financial Business Description

Other Exchanges SPANDANA: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.
45GF Score

Get the complete analysis for BOM:890221

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

₹137.10
Price
₹92.21
GF Value