Spandana Sphoorty Financial (NSE:SPANDANA) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:SPANDANA Spandana Sphoorty Financial Ltd NSE:SPANDANA
64 GF Score
Price ₹259.80
GF Value ₹199.10
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Spandana Sphoorty Financial Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Spandana Sphoorty Financial is: High Risk: High uncertainty with risk-return tradeoff.

Spandana Sphoorty Financial  (NSE:SPANDANA) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Spandana Sphoorty Financial Risk Assessment Related Terms

NSE:SPANDANA vs V, MA, AXP: Risk Assessment Comparison

For the Credit Services subindustry, Spandana Sphoorty Financial's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Spandana Sphoorty Financial's Risk Assessment falls into.


NSE:SPANDANA
64GF Score
Spandana Sphoorty Financial Ltd NSE:SPANDANA
Risk Assessment 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 ₹259.80 is trading 30.5% above its estimated GF Value™ of ₹199.10. GuruFocus considers Spandana Sphoorty Financial to be Modestly Overvalued.

Key valuation signals for NSE:SPANDANA:

  • Risk Assessment:
  • GF Value™: ₹199.10 vs. price of ₹259.80 (30.5% above fair value)
  • GF Score™: 64/100 with 6 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.
64GF Score

Get the complete analysis for NSE:SPANDANA

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

₹259.80
Price
₹199.10
GF Value