Spandana Sphoorty Financial (NSE:SPANDANA) Scaled Net Operating Assets: N/A (As of Mar. 2026)


NSE:SPANDANA Spandana Sphoorty Financial Ltd NSE:SPANDANA
64 GF Score
Price ₹283.70
GF Value ₹219.26
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Spandana Sphoorty Financial Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Spandana Sphoorty Financial's operating assets for the quarter that ended in Mar. 2026 was ₹49,717 Mil. Spandana Sphoorty Financial's operating liabilities for the quarter that ended in Mar. 2026 was ₹1,741 Mil. Spandana Sphoorty Financial's Total Assets for the quarter that ended in Dec. 2025 was ₹0 Mil. Therefore, Spandana Sphoorty Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was N/A.


Spandana Sphoorty Financial Scaled Net Operating Assets Historical Data

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The historical data trend for Spandana Sphoorty Financial's Scaled Net Operating Assets 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 Scaled Net Operating Assets Chart

Spandana Sphoorty Financial Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Scaled Net Operating Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.67 1.14 1.20 0.47 0.57

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
Scaled Net Operating Assets 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 0.00 0.00 0.00 0.00 0.00

NSE:SPANDANA vs V, MA, AXP: Scaled Net Operating Assets Comparison

For the Credit Services subindustry, Spandana Sphoorty Financial's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's Scaled Net Operating Assets distribution charts can be found below:

* The bar in red indicates where Spandana Sphoorty Financial's Scaled Net Operating Assets falls into.


NSE:SPANDANA
64GF Score
Spandana Sphoorty Financial Ltd NSE:SPANDANA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Spandana Sphoorty Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Spandana Sphoorty Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(49716.7-1740.7)/84935.3
=0.56

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=62463.7 - 12747
=49716.7

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=41168 - 39427.3 - 0
=1740.7

Spandana Sphoorty Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(49716.7-1740.7)/0
=N/A

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=62463.7 - 12747
=49716.7

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=41168 - 39427.3 - 0
=1740.7

* 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.

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 ₹283.70 is trading 29.4% above its estimated GF Value™ of ₹219.26. GuruFocus considers Spandana Sphoorty Financial to be Modestly Overvalued.

Key valuation signals for NSE:SPANDANA:

  • Scaled Net Operating Assets: N/A
  • GF Value™: ₹219.26 vs. price of ₹283.70 (29.4% above fair value)
  • GF Score™: 64/100 with 8 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹283.70
Price
₹219.26
GF Value