SPANDANA (Spandana Sphoorty Financial Ltd) vs BSE Sensex 30 Comparison

SPANDANA

BSE Sensex 30

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SPANDANA

BSE Sensex 30

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SPANDANA

BSE Sensex 30

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BSE Sensex 30

SPANDANA

AXP

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BAJFINANCE

DFS

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Back to SPANDANA Analysis

Spandana Sphoorty Financial Ltd
Glance View

Market Cap

23.7B INR

Industry

Financial Services

Spandana Sphoorty Financial Ltd. engages in the provision of financial services. The company is headquartered in Hyderabad, Telangana. The company went IPO on 2019-08-19. The firm operates through the financing segment. The Company’s products include Abhilasha/Chethana (JLG loans), loan against property (LAP), personal loans and interim loans. Abhilasha/Chethana (JLG loans) loans are given for women in setting up and expanding income-generating activities, smoothen household cash flows and acquiring productive assets. Loan against property (LAP) loans are given for business expansion or working capital requirements or to acquire assets, which is offered in the states of Andhra Pradesh, Telangana, Karnataka and Tamil Nadu. Personal loans are given exclusively to business development, purchase of livestock, house construction/renovation, or any other emergency needs. Interim loans are given to assist borrowers who are struggling to meet short-term liquidity requirements. The firm has over 18 states with approximately 1,010 branches.

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SPANDANA Intrinsic Value

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

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US		American Express Co NYSE:AXP	Select
US		Capital One Financial Corp NYSE:COF	Select
IN		Bajaj Finance Ltd NSE:BAJFINANCE	Select
US		Discover Financial Services NYSE:DFS	Select
US		Synchrony Financial NYSE:SYF	Select
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Select
US		SoFi Technologies Inc NASDAQ:SOFI	Select
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	Select
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	Select
US	S	Santander Consumer USA Holdings Inc F:77S	Select

US		American Express Co NYSE:AXP	Add
US		Capital One Financial Corp NYSE:COF	Add
IN		Bajaj Finance Ltd NSE:BAJFINANCE	Add
US		Discover Financial Services NYSE:DFS	Add
US		Synchrony Financial NYSE:SYF	Add
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Add
US		SoFi Technologies Inc NASDAQ:SOFI	Add
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	Add
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	Add
US	S	Santander Consumer USA Holdings Inc F:77S	Add

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CH	G	Galderma Group AG SIX:GALD	Add
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IN		Jio Financial Services Ltd NSE:JIOFIN	Add

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SPANDANA

vs

BSE Sensex 30

Stocks Performance
SPANDANA vs BSE Sensex 30

Performance Gap
SPANDANA vs BSE Sensex 30

Performance By Year
SPANDANA vs BSE Sensex 30

Competitors Performance
Spandana Sphoorty Financial Ltd vs Peers

Spandana Sphoorty Financial Ltd
Glance View

Company

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SPANDANA vs BSE Sensex 30

Stocks Performance SPANDANA vs BSE Sensex 30

Performance Gap SPANDANA vs BSE Sensex 30

Performance By Year SPANDANA vs BSE Sensex 30

Competitors Performance Spandana Sphoorty Financial Ltd vs Peers

Spandana Sphoorty Financial Ltd Glance View

Company

Help

Tools

Stocks

SPANDANA

vs

BSE Sensex 30

Stocks Performance
SPANDANA vs BSE Sensex 30

Performance Gap
SPANDANA vs BSE Sensex 30

Performance By Year
SPANDANA vs BSE Sensex 30

Competitors Performance
Spandana Sphoorty Financial Ltd vs Peers

Spandana Sphoorty Financial Ltd
Glance View