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Volatility is a statistical measure of the dispersion of returns for a given security or market index, it shows how the price swings around its mean. The volatility here is measured as the annualized standard deviation between monthly returns from the security over the past year. In most cases, the higher the volatility, the riskier the security.
Volatility is a statistical measure of the dispersion of returns for a given security or market index. It’s often measured as standard deviation or variance of historical returns over a certain period. The volatility here is measured as the annualized standard deviation between monthly returns from the security over the past year.
Volatility reflects the uncertainty or risk of a security’s value. Generally speaking, a higher volatility suggests a higher risk, because it implies a wider fluctuation around average price. This means the price of the security can change dramatically in either direction within a short period. Conversely, a lower volatility means that the security's price is more steady, which suggests a lower risk.
Another measurement of relative volatility is Beta. Beta is a measure of systematic risk of a security or a portfolio in comparison to the market as a whole. Beta is usually compared to 1. A beta of greater than 1 indicates that the security's price will be more volatile than the market.
Spandana Sphoorty Financial Volatility Related Terms
BOM:890221 vs V, MA, AXP: Volatility Comparison
For the Credit Services subindustry, Spandana Sphoorty Financial's Volatility, along with its competitors' market caps and Volatility 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 Volatility vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's Volatility distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's Volatility falls into.
The annualized volatility is calculated as following:
σA
=
σM
*
√12
=
√ 1/(n-1) ∑(Ri - R')^2
*
√12
Where: σM is the monthly volatility, n is the number of months in the period, Ri is the security's historical monthly returns and R' is the arithmetic mean of monthly returns.
* 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 (BOM:890221) has a Volatility of 67.12% as of Sep. 22, 2026. Volatility is measured as the annualized standard deviation between monthly returns from the security over the past year. View historical data on Spandana Sphoorty Financial and its competitors.
Is Spandana Sphoorty Financial's Volatility too high?
Spandana Sphoorty Financial's current Volatility is 67.12%. Overall, Spandana Sphoorty Financial has a GF Score™ of 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's Volatility compare to V and MA?
Spandana Sphoorty Financial's Volatility of 67.12% 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 Volatility for a Credit Services company?
A good Volatility depends on the Credit Services industry context. However, Volatility 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 Volatility mean?
A high Volatility can signal that a stock is expensive relative to its fundamentals. Volatility is measured as the annualized standard deviation between monthly returns from the security over the past year. View historical data on Spandana Sphoorty Financial and its competitors. Spandana Sphoorty Financial's current Volatility is 67.12%. 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 Modestly Overvalued. The stock's GF Value™ is ₹100.29, compared to a current price of ₹114.50 — trading 14.2% above its estimated fair value. The current Volatility is 67.12%. Spandana Sphoorty Financial's overall GF Score™ is 48/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Volatility calculated?
Volatility is calculated from a company's financial statements. For Spandana Sphoorty Financial (BOM:890221), the current Volatility is 67.12% as of Sep. 22, 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 ₹114.50 is trading 14.2% above its estimated GF Value™ of ₹100.29.
GuruFocus considers Spandana Sphoorty Financial to be Modestly Overvalued.
Key valuation signals for BOM:890221:
Volatility: 67.12%
GF Value™: ₹100.29 vs. price of ₹114.50 (14.2% above fair value)
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 Ltd is an Indian non-banking financial company and microfinance institution focused on rural and semi-urban customers. Its core business is providing income-generating loans to women from low-income households through the joint liability group (JLG) model, under which small groups of borrowers cross-guarantee one another's loans. The company has diversified beyond pure microfinance into secured retail lending, including loan against property (LAP), and offers other retail loan products such as business and personal loans. It operates an extensive branch network across multiple Indian states, with a presence concentrated in rural and semi-urban areas. Revenue is generated primarily through interest and fees on its loan portfolio, and the company funds its lending through borrowings from banks and other financial institutions. It operates as a single financing segment within India.
48GF Score
Get the complete analysis for BOM:890221
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