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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Spandana Sphoorty Financial Limited is an India-based rural-focused Non-Banking Financial Company and a microfinance lender (NBFC-MFI). It offers income-generating loans under the joint liability group (JLG) model (Chetana), predominantly to women from low-income households…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling business, trading cheap versus its own history.
Spandana Sphoorty Finance is scored on the nbfc / financials framework. It keeps a thin -68.3% of every rupee of sales as net profit.
Net worth has actually shrunk (-12%/yr) — value is not being built. Return on equity is a weak -2.5%. In the latest quarter profit grew 54% versus the prior quarter.
At 3× earnings, the stock sits at the 1st percentile of its own 1.6-year range — the cheap end of where it has historically traded. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | -32.27 | 11.61 | better |
| P/B | 0.82 | 1.4 | better |
| EV/EBITDA | 12.17 | 13.86 | better |
| ROE | -2.54 | — | — |
| ROCE | 6.27 | — | — |
| ROA | -0.83 | — | — |
| Quick Ratio | 8.79 | 34.9 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue declined 57% in the latest year — a break from prior trajectory. Negative CAGR — the top line has shrunk over this window. Growth is decelerating — latest year grew slower than the year before.
2 of the 4 years shown had a loss — profitability is inconsistent. The latest year saw a +32% swing — check if it's a one-off or structural.
Operating margin has compressed from 1% to -90% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
Negative ROE — the business is destroying shareholder value. Capital efficiency declining — ROE down 33pp.
EPS outpaced profit growth — possible buybacks are concentrating earnings into fewer shares. 3947% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 3 years had negative operating cash flow — profitability on paper may not translate to cash. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 14% sequentially — momentum is building. Run-rate stepping up — recent quarters average 23% above earlier ones.
1 of 4 quarters loss-making — quarterly profitability is uneven. Profit jumped 54% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (-41% → 6%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 1.6y median.
Promoters at 48.2% — dispersed ownership; institutional flows drive the stock. FIIs trimmed 2.5pp — foreign money is rotating out.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.