SPANDANA
Spandana Sphoorty Financial Limited
Each stock's 10,000-path forecast, rendered as light.
Spandana Sphoorty Financial Limited (SPANDANA) Stock Analysis & Case Study
Is SPANDANA a good buy? The data-driven verdict.
Spandana Sphoorty Financial Limited (SPANDANA) trades at ₹257,on the numbers it high-risk on the numbers, a Downstox Snapshot Score of 25/100.
On the numbers, Spandana Sphoorty Financial Limited (SPANDANA) high-risk on the numbers, a Downstox Snapshot Score of 25/100, weighing expensive at 240.0× earnings, ROE of -29.4%, a 48% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027-2031.
Last updated . Data snapshot for research, not investment advice.
SPANDANA fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How SPANDANA ranks against the 2,373 companies in our screener
- SPANDANA's market cap of 2,067 Cr ranks in the 51st percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SPANDANA's book value of ₹240 ranks in the 76th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SPANDANA's promoter holding of 48.2% ranks in the 27th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SPANDANA's 3-year profit (PAT) growth of -31.0% ranks in the 6th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SPANDANA's 3-year revenue growth of -10.0% ranks in the 10th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for SPANDANA, as of 9 Aug 2026, so it is not ranked here.
Is SPANDANA overvalued? SPANDANA P/E vs peers
SPANDANA trades at 240.0× earnings. We don't have a verified sector peer group for this stock yet, so no sector peer median or peer comparison table is shown here. Showing one anyway would compare it against an arbitrary set of large-cap names, not real sector peers.
SPANDANA share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 6.9y of SPANDANA history (-17%/yr drift, 51%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| SPANDANA 2027 | ₹131 | ₹251 | ₹482 | -2% |
| SPANDANA 2028 | ₹99 | ₹245 | ₹610 | -5% |
| SPANDANA 2029 | ₹78 | ₹239 | ₹737 | -7% |
| SPANDANA 2030 | ₹65 | ₹233 | ₹838 | -9% |
| SPANDANA 2031 | ₹52 | ₹228 | ₹994 | -12% |
Median (P50) is the central estimate; the P10-P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability SPANDANA goes up, or doubles?
The bull case for SPANDANA
- Low price-to-book of 1.07×, the market is paying little over the company's net assets.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹737.
The bear case & risks
- SPANDANA's P/E of 240.0x is lower than 4% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SPANDANA's Piotroski F-Score of 1/8 ranks in the bottom 1% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- High historical volatility (51%/yr) means a wide, bumpy range of outcomes, size positions accordingly.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹78.
SPANDANA volatility & expected range, how bumpy is the ride?
Over the last 6.9 years SPANDANA compounded at -17%/year with annualized volatility of 51%. That volatility implies a 1-year 80% range of ₹131-₹482, the honest backbone behind any single price target.
SPANDANA price forecast, the full 60-month probability fan
SPANDANA price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds SPANDANA hits common targets within the simulated horizon?
Full multi-horizon detail on the SPANDANA price target & forecast page.
SPANDANA Piotroski F-Score: 1/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. SPANDANA scores 1/8, weak on the financial-strength checks.
SPANDANA MTF margin & leverage across 10 brokers
Margin Trading Facility lets you buy SPANDANA with part of the capital. Lower margin % = higher leverage. Rates compared across 10 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 37.42% | 2.7× |
| Zerodha | 37.36% | 2.7× |
| Groww | 37.58% | 2.7× |
| Dhan | 40.00% | 2.5× |
| Kotak Neo | 40.00% | 2.5× |
| Paytm Money | 38.70% | 2.6× |
| PocketfulCHEAPEST | 36.85% | 2.7× |
| Anand Rathi | 37.36% | 2.7× |
| Bajaj Broking | 45.00% | 2.2× |
| Share India | 37.53% | 2.7× |
Compare every broker on the SPANDANA MTF page.
About Spandana Sphoorty Financial Limited: sector, index & market-cap context
Spandana Sphoorty Financial Limited (SPANDANA) is a small-cap NSE-listed company, with a market capitalisation of ₹2,064 Cr. See more stocks on our screener.
How the SPANDANA Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Spandana Sphoorty Financial Limited's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
SPANDANA analysis, FAQs
Is Spandana Sphoorty Financial Limited (SPANDANA) a good buy?
On the numbers, Spandana Sphoorty Financial Limited (SPANDANA) high-risk on the numbers, a Downstox Snapshot Score of 25/100, weighing expensive at 240.0× earnings, ROE of -29.4%, a 48% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is SPANDANA overvalued or undervalued?
SPANDANA trades at 240.0× earnings, expensive versus the ~22× long-run Nifty average.
What is the SPANDANA share price target for 2031?
SPANDANA's probability-weighted 2031 median target is ₹228, with an 80% range of ₹52-₹994 (10,000-path Monte-Carlo).
What is the probability SPANDANA doubles in 5 years?
The modelled probability of SPANDANA reaching ₹516 (2×) within 5 years is 24%.
What is the bull case for SPANDANA?
Low price-to-book of 1.07×, the market is paying little over the company's net assets.
What are the risks in SPANDANA?
SPANDANA's P/E of 240.0x is lower than 4% of the 2,373 NSE companies in our screener, as of 9 Aug 2026. SPANDANA's Piotroski F-Score of 1/8 ranks in the bottom 1% of the 2,373 NSE companies in our screener, as of 9 Aug 2026. High historical volatility (51%/yr) means a wide, bumpy range of outcomes, size positions accordingly.