StockAnalyzer

Financial Analysis

DashboardSectorsComparablesScreenerUniverseMicrocapsAI 2nd OrderTheme MapEnergy & MaterialsMacroWatchlistCompareMi CarteraPortfolio

Recent

v0.1
SPANDANA.NS$248.55-3.15%
Fair $248.55+0.0%

SPANDANA.NS

Spandana Sphoorty Financial Limited

Financial Services / Credit ServicesNSE

$248.55

-8.17 (-3.15%)

Fairly Valued+0.0%Fair Value $248.55Fund rank 19/100 · Data gapFallback financials|
SA 20/D
F-Score: 4/9
Declining RevenueMargin CompressionLow Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 19/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 3/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

20/100

D

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 3unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Revenue has declined for 2 consecutive years Operating margin has declined for 3 consecutive years ROE is -32.8%, below the 5% threshold
Thesis & Journal · SPANDANA.NSLocal privado en este navegador · Spandana Sphoorty Financial Limited
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$22.0B

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-32.8%

↓

Gross Margin

-7.8%

↓

Debt/Equity

1.85

↑
52-Week Range$249
$181$306

TradingView lightweight chart

SPANDANA.NS price, volumen y niveles de valoración

Último $251.38Periodo -70.3%
Fair value: $248.55

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2023–2026 · 3 años de histórico normalizado

Revenue CAGR

-8.7%

FCF CAGR

—

FCF margin

91.0%

FCF / Net income

-1.26x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $9.65B · net income $-6.99B · FCF $8.78B

2023-FY → 2026-FY

Gross margin

-7.8%-51.4% pts

Operating margin

-31.7%-63.9% pts

Net margin

-72.4%-73.4% pts

FCF margin

91.0%+263.2% pts
MetricTTM
2026
2025
2024
2023
Income Statement
Revenue$9.65B$9.65B$21.94B$22.16B$12.68B
Net Income$-6.99B$-6.99B$-10.35B$5.01B$123.1M
EBITDA$-2.90B$-2.90B$4.00B$6.92B$296.7M
EPS——-145.1765.981.65
Gross Margin-7.8%-7.8%28.7%39.9%43.5%
Operating Margin-31.7%-31.7%17.2%29.6%32.2%
Net Margin-72.4%-72.4%-47.2%22.6%1.0%
Balance Sheet
Debt/Equity1.851.852.152.591.96
Current Ratio237.22237.22———
Cash Flow
Free Cash Flow$8.78B$8.78B$36.59B$-27.05B$-21.84B
Returns
ROE-32.8%-32.8%-39.3%13.7%0.4%
Valuation
P/E———13.61325.97
EV/EBITDA——15.3321.43312.90
P/B1.031.030.651.871.30
Growth & Yield
Revenue Growth-56.0%-56.0%-1.0%74.7%—
EPS Growth——-320.0%3887.4%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -13.1%

Total return

-13.1%

Start / end P/E

n/dx → n/dx

EPS bridge

-145.17 → n/d

Residual

-13.1%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-13.1%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.