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The historical rank and industry rank for Spandana Sphoorty Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
NSE:SPANDANA's 5-Year Yield-on-Cost % is not ranked *
in the Credit Services industry.
Industry Median: 4.505 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Spandana Sphoorty Financial 5-Year Yield-on-Cost % Related Terms
NSE:SPANDANA vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Spandana Sphoorty Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Spandana Sphoorty Financial (NSE:SPANDANA) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 28, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Spandana Sphoorty Financial and its competitors. According to the industry distribution chart, Spandana Sphoorty Financial ranks #999999 out of 212 companies in the Credit Services industry.
Is Spandana Sphoorty Financial's 5-Year Yield-on-Cost % too high?
Spandana Sphoorty Financial's current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, Spandana Sphoorty Financial ranks #999999 out of 212 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Spandana Sphoorty Financial has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Spandana Sphoorty Financial ranks #999999 out of 212 companies for 5-Year Yield-on-Cost %. This places Spandana Sphoorty Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.51. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.51, based on 212 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Spandana Sphoorty Financial and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Spandana Sphoorty Financial's current 5-Year Yield-on-Cost % is 0.00. 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 Significantly Overvalued. The stock's GF Value™ is ₹202.33, compared to a current price of ₹266.00 — trading 31.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. Spandana Sphoorty Financial's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Spandana Sphoorty Financial (NSE:SPANDANA), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 28, 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 ₹266.00 is trading 31.5% above its estimated GF Value™ of ₹202.33.
GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.
Key valuation signals for NSE:SPANDANA:
5-Year Yield-on-Cost %: 0.00
GF Value™: ₹202.33 vs. price of ₹266.00 (31.5% above fair value)
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 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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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