Spandana Sphoorty Financial (NSE:SPANDANA) ROCE %: -3.56% (As of Mar. 2026)


NSE:SPANDANA Spandana Sphoorty Financial Ltd NSE:SPANDANA
64 GF Score
Price ₹266.80
GF Value ₹217.52
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Spandana Sphoorty Financial ROCE %?

Spandana Sphoorty Financial NSE:SPANDANA +1.14% 64 ROCE % is -3.56% as of Mar. 2026. GuruFocus rates NSE:SPANDANA with a GF Score™ of 64/100 and a GF Value™ of ₹217.52 (Modestly Overvalued). The stock has 5 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Spandana Sphoorty Financial's annualized ROCE % for the quarter that ended in Mar. 2026 was -3.56%.

Spandana Sphoorty Financial  (NSE:SPANDANA) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Spandana Sphoorty Financial ROCE % Related Terms

Spandana Sphoorty Financial ROCE % Historical Data

* Premium members only.

The historical data trend for Spandana Sphoorty Financial's ROCE % 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 ROCE % Chart

Spandana Sphoorty Financial Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.08 0.39 11.32 6.86 -5.87

Spandana Sphoorty Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.29 -7.53 -5.93 -6.18 -3.56
NSE:SPANDANA
64GF Score
Spandana Sphoorty Financial Ltd NSE:SPANDANA
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Spandana Sphoorty Financial ROCE % Calculation

Spandana Sphoorty Financial's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=-3057.8/( ( (84935.3 - 42928.5) + (62463.7 - 221.8) )/ 2 )
=-3057.8/( (42006.8+62241.9)/ 2 )
=-3057.8/52124.35
=-5.87 %

Spandana Sphoorty Financial's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=-2215.2/( ( (0 - 0) + (62463.7 - 221.8) )/ 1 )
=-2215.2/( ( 0 + 62241.9 )/ 1 )
=-2215.2/62241.9
=-3.56 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of -3.56% mean?
Spandana Sphoorty Financial (NSE:SPANDANA) has a ROCE % of -3.56% as of Mar. 2026.
Is Spandana Sphoorty Financial's ROCE % too high?
Spandana Sphoorty Financial's current ROCE % is -3.56%. Overall, Spandana Sphoorty Financial has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's ROCE % compare to V and MA?
Spandana Sphoorty Financial's ROCE % of -3.56% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Spandana Sphoorty Financial's current ROCE % is -3.56%. 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 ₹217.52, compared to a current price of ₹266.80 — trading 22.7% above its estimated fair value. The current ROCE % is -3.56%. Spandana Sphoorty Financial's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current ROCE % is -3.56% as of Mar. 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 ₹266.80 is trading 22.7% above its estimated GF Value™ of ₹217.52. GuruFocus considers Spandana Sphoorty Financial to be Modestly Overvalued.

Key valuation signals for NSE:SPANDANA:

  • ROCE %: -3.56%
  • GF Value™: ₹217.52 vs. price of ₹266.80 (22.7% above fair value)
  • GF Score™: 64/100 with 5 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

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

₹266.80
Price
₹217.52
GF Value