Spandana Sphoorty Financial Ltd Partly Paidup
Ticker: SSFLPP
Decent
66/100
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Investing Reference
Price
125.35
Market Cap
Debt/Equity
ROE %
PB
Promoter %
Pledge %
1Y Rev Growth %
5Y Rev Growth %
NP Margin %
NP Margin 5Y Avg %
Trading Reference
1M Return %
8.694
6M Return %
7.320
1Y Return %
7.320
% Away 52W High
8.496
% Away 52W Low
12.877
Daily Volume
5489
Investment Verdict
Avoid
Score 0/100 · Position size: 0%
Fundamentals/valuations or risk flags are weak. Avoid for long-term investing.
Trading Verdict
Avoid
Score 38/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
80%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
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Business Overview
Spandana Sphoorty Financial Ltd is a leading microfinance institution in India, dedicated to empowering underserved communities through accessible financial solutions. This partly paid-up stock offers investors a unique opportunity to engage with a company that prioritizes social impact while ensuring financial returns. With a strong focus on women entrepreneurs and rural development, Spandana is well-positioned to capitalize on the growing demand for microfinance services in India.
- Leading microfinance institution in India
- Focus on empowering women entrepreneurs
- Strong commitment to rural development
- Proven track record of growth and sustainability
- Attractive investment for socially conscious investors
Investment Thesis
Spandana Sphoorty Financial Ltd stands out with a strong promoter group known for credibility and governance. The company's focus on digital services positions it well for growth in the evolving financial landscape. Additionally, its attractive valuation compared to peers presents a compelling investment opportunity for retail investors.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital financial services aligns with market trends.
- Attractive valuation compared to industry peers offers a favorable entry point.
- Robust operational framework supports sustainable growth and profitability.
- Focus on financial inclusion positions the company for long-term success.
Opportunity vs Risk
Opportunities
- Growing demand for microfinance loans
- Expansion into new regions
- Strong customer base
- Government support for financial inclusion
- Technological advancements in lending
Risks ⚠️
- Regulatory changes impacting operations
- High competition in microfinance sector
- Economic downturn affecting repayments
- Rising interest rates
- Credit risk from borrowers
Peer Perspective
Spandana Sphoorty trades at a discount to peers like Muthoot Finance and Manappuram Finance, reflecting concerns over margin stability. A sustained improvement in asset quality could trigger a rerating in the near term.
📊 Stock Investment Checklist (100 Points)
Spandana Sphoorty Financial Ltd Partly Paidup • Updated: 2025-09-17 16:58:56
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10BusinessHighThe microfinance sector is growing, but competition is intense.
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10GrowthHighRevenue growth has been consistent, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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8ValuationHighValuation metrics are slightly above peers.
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7BalanceHighDebt levels are manageable, but liquidity is a concern.
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6GovernanceGoodPromoter holding is stable, but some pledging exists.
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5DriversGoodGrowth drivers are present, but execution risks are high.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 66 / 100
• Decent
The stock shows potential in a growing sector but faces challenges in profitability and execution risks.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 75/100
- Profitability: 65/100
- Governance: 60/100
- Market Confidence: 68/100