Spandana Sphoorty [SPANDANA] vs Bajaj Finance [BAJFINANCE] Detailed Stock Comparison

Spandana Sphoorty Financial Ltd.

NSE
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Bajaj Finance Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Spandana Sphoorty Financial Ltd. wins in 5 metrics, Bajaj Finance Ltd. wins in 11 metrics, with 0 ties. Bajaj Finance Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Spandana Sphoorty Financial Ltd. Bajaj Finance Ltd. Better
P/E Ratio (TTM) 29.08 31.69 Spandana Sphoorty Financial Ltd.
Price-to-Book Ratio 0.76 5.53 Spandana Sphoorty Financial Ltd.
Debt-to-Equity Ratio 147.69 310.29 Spandana Sphoorty Financial Ltd.
PEG Ratio -0.48 54.50 Bajaj Finance Ltd.
EV/EBITDA 7.97 N/A N/A
Profit Margin (TTM) 31.69% 43.68% Bajaj Finance Ltd.
Operating Margin (TTM) -160.07% 55.55% Bajaj Finance Ltd.
EBITDA Margin (TTM) N/A 55.55% N/A
Return on Equity -39.31% 16.82% Bajaj Finance Ltd.
Return on Assets (TTM) -12.19% 3.57% Bajaj Finance Ltd.
Free Cash Flow (TTM) $36.46B $-692.36B Spandana Sphoorty Financial Ltd.
Dividend Yield N/A 10.01% N/A
1-Year Return -17.82% -1.59% Bajaj Finance Ltd.
Price-to-Sales Ratio (TTM) -6.98 13.83 Bajaj Finance Ltd.
Enterprise Value $40.68B $8,982.32B Bajaj Finance Ltd.
EV/Revenue Ratio -14.32 21.76 Bajaj Finance Ltd.
Gross Profit Margin (TTM) -12.32% N/A N/A
Revenue per Share (TTM) $-38 $66 Bajaj Finance Ltd.
Earnings per Share (Diluted) $-146.74 $28.98 Bajaj Finance Ltd.
Beta (Stock Volatility) 0.12 0.31 Spandana Sphoorty Financial Ltd.

Spandana Sphoorty Financial Ltd. vs Bajaj Finance Ltd. Stock Performance Analysis

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SPANDANA
BAJFINANCE

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Spandana Sphoorty Financial Ltd.5.28%2.19%-8.78%13.79%-12.01%-10.81%
Bajaj Finance Ltd.2.61%8.17%3.50%7.31%-6.95%-3.17%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Spandana Sphoorty Financial Ltd.-17.82%-68.00%-66.52%-72.27%-72.27%-72.27%
Bajaj Finance Ltd.-1.59%27.49%50.86%1,119.52%16,095.77%32,008.39%

Performance & Financial Health Analysis: Spandana Sphoorty Financial Ltd. vs Bajaj Finance Ltd.

MetricSPANDANABAJFINANCE
Market Information
Market Cap i₹19.36B₹5.71T
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i257,2938,128,781
90 Day Avg. Volume i260,98111,082,959
Last Close₹238.45₹942.30
52 Week Range₹181.10 - ₹305.84₹787.90 - ₹1,102.50
% from 52W High-22.03%-14.53%
All-Time High₹1,397.00 (Nov 04, 2019)₹9,788.00 (Jun 09, 2025)
% from All-Time High-82.93%-90.37%
Growth Metrics
Quarterly Revenue Growth-0.21%0.06%
Quarterly Earnings Growth-0.63%-0.06%
Financial Health
Profit Margin (TTM) i0.32%0.44%
Operating Margin (TTM) i-1.60%0.56%
Return on Equity (TTM) i-0.39%0.17%
Debt to Equity (MRQ) i147.69310.29
Cash & Liquidity
Book Value per Share (MRQ)₹292.84₹166.19
Cash per Share (MRQ)₹133.80₹20.60
Operating Cash Flow (TTM) i₹23.11B₹-147,267,100,000
Levered Free Cash Flow (TTM) i₹-10,351,000,000₹166.38B
Dividends
Last 12-Month Dividend Yield iN/A10.01%
Last 12-Month Dividend iN/A₹92.00

Valuation & Enterprise Metrics Analysis: Spandana Sphoorty Financial Ltd. vs Bajaj Finance Ltd.

MetricSPANDANA (Apr 24, 2026)BAJFINANCE (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i29.0831.69
Forward P/E i7.9922.75
PEG Ratio i-0.4854.50
Price to Sales (TTM) i-6.9813.83
Price to Book (MRQ) i0.765.53
Market Capitalization
Market Capitalization i₹19.36B₹5.71T
Enterprise Value i₹40.68B₹8.98T
Enterprise Value Metrics
Enterprise to Revenue i-14.3221.76
Enterprise to EBITDA i7.97N/A
Risk & Other Metrics
Beta i0.120.31
Book Value per Share (MRQ) i₹292.84₹166.19

Financial Statements Comparison: Spandana Sphoorty Financial Ltd. vs Bajaj Finance Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSPANDANA (2025)BAJFINANCE (2025)
Revenue/Sales i21.60B423.56B
Cost of Goods Sold i14.76BN/A
COGS % of Revenue i68.3%0.0%
Gross Profit i6.85BN/A
Gross Margin i31.7%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i4.09BN/A
Operating Margin i18.9%0.0%
EBITDA i5.10BN/A
EBITDA Margin i23.6%0.0%
Pre-Tax Income i-13.79B220.80B
Pre-Tax Income % of Revenue i-63.8%52.1%
Income Tax i-3.44B53.00B
Income Tax % of Revenue i-15.9%12.5%
Net Income (Profit) i-10.35B167.79B
Profit Margin i-47.9%39.6%

Balance Sheet & Liquidity Metrics

MetricSPANDANA (2025)BAJFINANCE (2025)
Cash & Equivalents i12.36B107.68B
Total Current Assets i66.76BN/A
Total Current Assets % of Revenue i309.1%0.0%
Total Current Liabilities i42.93BN/A
Total Current Liabilities % of Revenue i198.7%0.0%
Long-Term Debt i14.93B2.75T
Long-Term Debt % of Revenue i69.1%650.1%
Total Shareholders Equity i26.33B989.37B
Retained Earnings i-3.47B517.83B
Retained Earnings % of Revenue i-16.1%122.3%
Property, Plant & Equipment i191.10M5.52B

Cash Flow Statement Comparison

MetricSPANDANA (2025)BAJFINANCE (2025)
Operating Cash Flow i23.11B-147.27B
Operating Cash Flow % of Revenue i107.0%-34.8%
Capital Expenditures i-219.10M-5.48B
Free Cash Flow i36.46B-692.36B
FCF Margin i168.8%-163.5%
Debt Repayment i-74.45B-390.27B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricSPANDANABAJFINANCE
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i71.31M6.22B
Float Shares i42.79M2.65B
% Held by Insiders i59.31%56.26%
% Held by Institutions i8.73%24.14%
% Held by Public i31.96%19.60%

Dividend Analysis & Yield Comparison: Spandana Sphoorty Financial Ltd. vs Bajaj Finance Ltd.

MetricSPANDANABAJFINANCE
Last 12-Month Dividend iN/A₹92.00
Last 12-Month Dividend Yield iN/A10.01%
3-Year Avg Annual Dividend iN/A₹47.33
3-Year Avg Dividend Yield iN/A1.22%
3-Year Total Dividends iN/A₹142.00
Ex-Dividend DateN/AMay 30, 2025