Spruce Power Holding Corp (SPRU)
NYSEInformation TechnologySolarSnapshot 2026-11-04
$1.39+2.96%
Close 2026-11-04 · 1-day change
NYSEInformation TechnologySolarSnapshot 2026-11-04
QuarterlyIQ Insights · SPRU
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -89.7% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 17.8% |
Growth built into the price is above our model estimate.
The price assumes 107.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Elevated risk of a next-quarter earnings miss: this name has been missing across recent quarters and is a smaller-cap name (higher miss base rate). A fundamental tilt, not a price call.
Model as of 2026-11-04 · Compared with 3 industry peers
SPRU — credit agreement
Dated 2026-11-05
Entry into a Material Definitive Agreement Second KeyBank Credit Agreement Amendment Certain of the Company’s subsidiaries entered into an amendment, dated as of October 30, 2026, to that certain Amended and Restated Credit Agreement, dated as of March 19, 2021 (as amended, restated, or modified from time to time, the “ Second KeyBank Credit Agreement ”), by and among KWS Solar Term Parent 1, LLC, KWS Solar Term Parent 2, LLC, KWS Solar Term Parent 3, LLC and Spruce Power 3 HoldCo, LLC, each…
Why it matters: Spruce paid down $7.9 million of debt in Q2 and held $81.5 million in cash and restricted cash. New figures test that trend.
Watch forQ3 debt principal falls from $679.5 million, while cash and restricted cash stay at or above $81.5 million.
Also watch forQ3 debt principal rises above $679.5 million, or cash and restricted cash fall below $81.5 million.
Why it matters: Q2 revenue fell to $30.3 million from $33.3 million a year earlier. A further drop would add to pressure on results.
Worry ifQ3 revenue is below $30.3 million and lower than Q3 2025.
Less concerning ifQ3 revenue is at least $30.3 million and does not decline year over year.
Why it matters: Gross portfolio value fell from $840 million in Q1 to $802 million in Q2. A further fall would deepen that decline.
Worry ifQ3 gross portfolio value on a PV6 basis is below $802 million.
Less concerning ifQ3 gross portfolio value is at least $802 million, ending the decline from Q1.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$203 on $10,000 · ±2.0% | How much price usually moves either way. |
| Bad day | $698 loss on $10,000 · 7.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $7,988 loss on $10,000 · 79.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.