Business Description
Spandana Sphoorty Financial Ltd
ISIN : INE572J01011
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Traded in other countries / regions
SPANDANA.India IPO Date
2019-08-19Description
Spandana Sphoorty Financial Ltd is a rural-focused non-banking financial company with a geographically diversified presence in India. It offers income generation loans under the joint liability group model, predominantly to women from low-income households in rural areas. Further, it also offers, Gold loans, Interim loans, Loan against Property, and others. It has a single business segment which is financing. The company operates in India and generates key revenue from interest income.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.24 | |||||
| Equity-to-Asset | 0.3 | |||||
| Debt-to-Equity | 2.31 | |||||
| Debt-to-EBITDA | 11.77 | |||||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 3/9 | |||||
| Altman Z-Score | 2 | |||||
| Beneish M-Score | -0.44 | |||||
| WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | -2.2 | |||||
| 3-Year EBITDA Growth Rate | -16.4 | |||||
| 3-Year EPS without NRI Growth Rate | -18.1 | |||||
| 3-Year FCF Growth Rate | -265.8 | |||||
| 3-Year Book Growth Rate | 2.3 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 48.26 | |||||
| 9-Day RSI | 50.79 | |||||
| 14-Day RSI | 49.88 | |||||
| 6-1 Month Momentum % | -2.87 | |||||
| 12-1 Month Momentum % | 33.59 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 2685.07 | |||||
| Quick Ratio | 2685.07 | |||||
| Cash Ratio | 459.81 | |||||
| Days Inventory | 2.59 | |||||
| Days Sales Outstanding | 4.53 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Average Share Buyback Ratio | -3.3 | |||||
| Shareholder Yield % | -42.7 |
Profitability Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 39.45 | |||||
| Operating Margin % | 31.17 | |||||
| Net Margin % | 23.17 | |||||
| FCF Margin % | -105.96 | |||||
| ROE % | 15.55 | |||||
| ROA % | 5.34 | |||||
| ROIC % | 6.26 | |||||
| ROC (Joel Greenblatt) % | 719.41 | |||||
| ROCE % | 7.19 | |||||
| Years of Profitability over Past 10-Year | 9 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 13.35 | |||||
| PE Ratio without NRI | 11.27 | |||||
| PS Ratio | 3.1 | |||||
| PB Ratio | 1.88 | |||||
| Price-to-Tangible-Book | 1.88 | |||||
| EV-to-EBIT | 18.98 | |||||
| EV-to-EBITDA | 18.49 | |||||
| EV-to-Revenue | 5.92 | |||||
| EV-to-FCF | -5.61 | |||||
| Price-to-Graham-Number | 1 | |||||
| Price-to-Net-Current-Asset-Value | 2.16 | |||||
| Earnings Yield (Greenblatt) % | 5.27 | |||||
| FCF Yield % | -34.79 | |||||
| Forward Rate of Return (Yacktman) % | -17.28 |
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