Sammaan Capital Ltd logo

Sammaan Capital Ltd

SAMMAANCAP NSE

Indiabulls Housing Finance Ltd, incorporated in 2005, is registered with and regulated by National Housing Bank (NHB) and is engaged in the business of providing home loans and loan against property. It also provides corporate mortgage loan - lease rental discounting and residential construction finance. [1]

AI Verdict: HOLD Confidence: 4%

Sammaan Capital trades at 1.05x book value with a negative PE of -2.8, reflecting recent losses, but TTM profit growth of 64% suggests a turnaround may be underway. The poor 5-year sales CAGR of -4% and negative 3-year ROE of -2% warrant caution until sustained profitability is demonstrated.

Key Fundamentals

SmallcapHousing FinanceFinancial Services
Market Cap
₹19,997 Cr
Volatility
Moderate
P/E Ratio
-2.8
EBITDA
₹-3,102 Cr
Return on Equity
6.5%
Debt to Equity
2.19
Book Value
₹163.53
EPS
₹25.15
52W High
₹192.95
52W Low
₹114.1

Technical Indicators

Key Insights

Strengths

1
  • Stock is trading at 1.05 times its book value

Weaknesses

4
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -3.97% over past five years.
  • Company has a low return on equity of -2.06% over last 3 years.
  • Working capital days have increased from 73.3 days to 108 days

Growth Rate

Revenue Growth
-5.96% ↗
Net Income Growth
386.29% ↗
Cash Flow Change
6143.60% ↗
ROE
-234.63% ↗
ROCE
-65.45% ↗
EBITDA Margin (Avg.)
-231.58% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 1d ago
HOLD
Risk high

Sammaan Capital trades at 1.05x book value with a negative PE of -2.8, reflecting recent losses, but TTM profit growth of 64% suggests a turnaround may be underway. The poor 5-year sales CAGR of -4% and negative 3-year ROE of -2% warrant caution until sustained profitability is demonstrated.

Bull Case 7
  • Stock trades at just 1.05x book value, offering deep value entry for a Rs 19,987 Cr market cap financial services company
  • TTM compounded profit growth of 64% indicates a sharp earnings recovery trajectory
  • 1-year stock CAGR of 39% shows strong momentum and improving market sentiment
  • 3-year stock CAGR of 19% demonstrates medium-term price appreciation despite operational headwinds
  • Dividend yield of 1.16% provides some income cushion while waiting for turnaround execution
  • 10-year ROE of 9% suggests the business has historically generated reasonable returns on equity and may revert to mean
  • Price-to-book of 1.06 is well below typical financial services peers trading at 2-4x book, offering margin of safety
Bear Case 8
  • Negative PE ratio of -2.8 confirms the company is currently loss-making at the net level
  • 5-year compounded sales CAGR of -4% reflects persistent revenue shrinkage over a meaningful period
  • 3-year ROE of -2% indicates sustained destruction of shareholder value
  • Working capital days have deteriorated from 73.3 days to 108 days, signaling worsening operational efficiency
  • Low interest coverage ratio indicates the company struggles to service its debt obligations from operating profits
  • Last year ROE of -3% shows the losses are not yet behind the company
  • TTM sales growth of -6% indicates top-line contraction is accelerating rather than stabilizing
  • Zero analyst coverage with no buy, hold, or sell ratings suggests institutional disinterest or lack of visibility

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 14h ago
Positives 3
  • NCLT approves scheme first motion Jun 13

    NCLT allowed first motion for Sammaan Capital's scheme with Sammaan Finserve. Shareholders meeting convened via video conferencing, advancing the corporate restructuring.

  • Timely NCD interest payments Jun 19

    Sammaan Capital paid ₹27.26 crore interest on four NCD series on Jun 18, a day ahead of the Jun 19 due date, demonstrating strong debt servicing discipline.

  • NCD principal and interest repaid May 29

    Sammaan Capital paid ₹3,093.17 lakh in interest and principal on Secured Redeemable NCDs on May 29, ahead of due dates.

Neutral 6
  • Investor meet in Mumbai Jun 16

    Sammaan Capital held an analyst and investor meeting on Jun 19, 2026 in Mumbai, conducted by PL Capital via group meetings.

  • London investor meetings Jun 8

    Sammaan Capital held investor meetings on Jun 11-12 in London. No unpublished price sensitive information was discussed.

  • Citi India Conference attendance Jun 2

    Sammaan Capital participated in investor meetings on Jun 5 during the Citi India Conference 2026. No UPSI was discussed.

  • BofA conference participation May 27

    Sammaan Capital attended the BofA Securities 2026 India Conference on Jun 2 for one-on-one and group meetings in Mumbai.

  • Routine NCD interest paid Jun 9

    Sammaan Capital paid ₹149.35 lacs interest on Secured Redeemable NCDs on Jun 8 and ₹7.70 lacs on Jun 5, both on or ahead of schedule.

  • Physical investor meeting May 26

    Sammaan Capital held an investor meeting on May 29, 2026 in physical mode.

TL;DR: Sammaan Capital is maintaining a strong debt servicing track record with multiple NCD payments made on or ahead of schedule, totalling over ₹30 crore in recent weeks. The NCLT first motion approval for its scheme with Sammaan Finserve signals corporate restructuring is progressing. Active investor engagement across global conferences (London, Mumbai, Citi, BofA) suggests management is building institutional interest. No visible headwinds in recent news, though execution on the NCLT scheme and sustained liquidity for debt obligations remain areas to watch.

Quarterly Results

  Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue
2,075
1,900
2,227
2,143
2,205
2,207
2,422
2,017
2,107
2,400
2,251
2,158
1,358
Expenses
293
147
448
478
511
471
4,852
389
603
724
528
260
3,255
Financing Profit
440
400
429
353
402
426
-3,668
434
455
480
436
440
-3,576
Fin. Margin %
21%
21%
19%
16%
18%
19%
-151%
22%
22%
20%
19%
20%
-263%
Other Income
4
13
15
69
50
30
3
3
25
9
10
0
-6,496
Interest
1,342
1,354
1,350
1,312
1,291
1,309
1,238
1,194
1,050
1,196
1,286
1,458
1,679
Depreciation
22
19
23
23
21
19
20
20
25
21
21
21
25
PBT
422
394
422
399
431
437
-3,685
417
455
468
425
419
-10,097
Tax %
38%
25%
29%
24%
26%
25%
-25%
28%
29%
29%
27%
25%
-20%
Net Profit
263
294
298
303
319
327
-2,761
302
324
334
308
314
-8,101
EPS in Rs
3.71
4.16
4.14
4.1
4.32
4.42
-38.12
4.08
3.91
4.04
3.72
3.79
-69.92
Gross NPA %
2.86%
2.87%
2.88%
2.85%
2.69%
2.68%
2.37%
—
1.3%
1.5%
1.4%
—
—
Net NPA %
1.9%
1.69%
1.66%
1.71%
1.52%
1.52%
1.4%
—
0.8%
0.8%
0.8%
—
—
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue
7,243
9,221
11,628
14,952
17,020
13,219
9,998
8,988
8,719
8,579
8,676
8,166
Expenses
816
1,105
1,485
2,033
1,654
2,040
1,429
1,119
1,400
1,582
6,179
4,769
Financing Profit
2,482
3,145
3,733
4,909
5,640
2,667
1,630
1,628
1,683
1,690
-2,295
-2,221
Fin. Margin %
34%
34%
32%
33%
33%
20%
16%
18%
19%
20%
-26%
-27%
Other Income
9
4
62
6
6
2
29
6
8
41
2
-6,475
Interest
3,944
4,971
6,411
8,010
9,726
8,512
6,939
6,242
5,636
5,307
4,791
5,618
Depreciation
19
20
23
37
43
108
97
77
86
85
83
88
PBT
2,473
3,129
3,772
4,878
5,604
2,561
1,562
1,556
1,606
1,646
-2,376
-8,784
Tax %
23%
25%
23%
21%
28%
15%
23%
24%
30%
26%
-24%
-19%
Net Profit
1,901
2,345
2,906
3,895
4,091
2,200
1,202
1,178
1,130
1,214
-1,807
-7,145
EPS in Rs
35.65
37.11
45.71
60.88
63.8
34.3
17.33
16.76
15.97
16.44
-21.82
-61.66
Div. Payout %
50%
81%
39%
45%
42%
59%
33%
0%
5%
9%
-9%
0%
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
71
84
85
85
85
84
89
89
90
113
163
229
Reserves
6,561
10,610
12,038
14,273
16,397
15,454
16,045
16,585
17,272
19,679
21,660
18,763
Borrowing
47,487
61,085
85,301
1,11,056
1,05,756
79,674
68,805
61,359
52,403
48,493
42,726
51,853
Other Liabilities
3,110
3,935
6,274
7,188
7,866
7,660
8,299
3,940
5,180
4,774
5,633
3,399
Total Liabilities
57,229
75,714
1,03,697
1,32,603
1,30,104
1,02,872
93,238
81,973
74,945
73,060
70,181
74,243
Fixed Assets
123
136
169
169
214
450
295
327
433
325
391
341
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
6,164
10,693
13,617
14,792
19,717
12,277
6,146
5,546
5,370
7,456
14,219
17,518
Other Assets
50,942
64,886
89,912
1,17,642
1,10,173
90,145
86,796
76,100
69,142
65,278
55,571
56,385
Total Assets
57,229
75,714
1,03,697
1,32,603
1,30,104
1,02,872
93,238
81,973
74,945
73,060
70,181
74,243
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-8,892
-11,643
-17,845
-25,024
21,206
19,331
7,088
657
4,001
140
8,772
-7,466
Investing
-2,093
-4,997
-2,107
368
-4,220
8,265
3,103
1,649
884
1,042
-5,578
-1,540
Financing
10,699
15,330
22,591
23,775
-7,335
-27,934
-10,632
-7,444
-9,142
-2,383
-2,373
14,684
Net Cash Flow
-286
-1,310
2,638
-881
9,650
-338
-440
-5,138
-4,257
-1,201
821
5,678
Free Cash Flow
-8,924
-11,574
-17,970
-25,004
21,117
19,297
7,060
638
3,957
85
8,727
-7,505
CFO/OP
-127
-133
-167
-185
147
177
83
16
63
2
351
-213
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
31%
27%
25%
29%
27%
14%
8%
7%
7%
7%
-9%
-3%

Shareholding Pattern

As of Mar 2026
FIIs 46.20%
Public 26.64%
Others 14.55%
DIIs 12.61%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Feb 2024Mar 2024Jun 2024Aug 2024Sep 2024Dec 2024Jan 2025Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters
21.70%
21.69%
21.69%
9.72%
9.66%
9.59%
9.59%
9.59%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
19.14%
19.89%
19.77%
19.53%
27.41%
24.69%
24.40%
19.05%
24.94%
46.20%
DIIs
12.73%
12.87%
2.44%
4.29%
4.23%
0.99%
11.07%
13.10%
13.04%
16.13%
15.85%
8.25%
5.88%
7.25%
6.83%
6.73%
6.49%
6.71%
6.72%
5.91%
5.96%
16.83%
14.39%
12.61%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
19.66%
20.10%
26.45%
33.97%
38.50%
43.26%
38.90%
36.63%
41.11%
41.32%
41.99%
48.40%
41.64%
43.16%
44.20%
43.07%
43.31%
42.42%
37.48%
40.58%
40.11%
40.10%
37.57%
26.64%
Others
45.91%
45.34%
49.41%
52.02%
47.61%
46.15%
40.44%
40.67%
45.85%
42.55%
42.16%
43.34%
52.48%
49.59%
29.84%
30.32%
30.43%
31.33%
28.39%
28.81%
29.53%
24.02%
23.10%
14.55%
No. of Shareholders
3,33,306
3,21,487
4,16,663
4,70,104
5,45,738
5,77,531
5,51,691
5,10,521
5,22,033
4,99,957
4,54,303
4,50,141
4,80,648
4,93,288
4,87,849
4,76,014
4,74,592
4,59,927
4,53,971
4,49,373
4,39,244
4,38,484
4,21,644
4,07,005

Documents

Frequently Asked Questions about Sammaan Capital Ltd

What does Sammaan Capital Ltd do?
Indiabulls Housing Finance Ltd, incorporated in 2005, is registered with and regulated by National Housing Bank (NHB) and is engaged in the business of providing home loans and loan against property. It also provides corporate mortgage loan - lease rental discounting and residential construction ...
Where is Sammaan Capital Ltd (SAMMAANCAP) listed?
Sammaan Capital Ltd is listed on the Indian stock exchanges. It is listed on NSE: SAMMAANCAP and BSE: 535789. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Sammaan Capital Ltd belong to?
Sammaan Capital Ltd operates in the Financial Services sector within the Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Sammaan Capital Ltd?
Sammaan Capital Ltd has a market capitalisation of approximately ₹19997.43 Cr. Based on this, it is classified as a Mid Cap stock.
What is the PE ratio of Sammaan Capital Ltd?
The Price-to-Earnings (PE) ratio of Sammaan Capital Ltd is -2.80. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Sammaan Capital Ltd?
Over the past 52 weeks, Sammaan Capital Ltd has traded between a low of ₹114.1 and a high of ₹192.95. This range helps investors understand the stock's price volatility and recent trading levels.
Does Sammaan Capital Ltd pay dividends?
Yes, Sammaan Capital Ltd has a dividend yield of 1.16%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Sammaan Capital Ltd?
Sammaan Capital Ltd has a Return on Equity (ROE) of 6.50%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Sammaan Capital Ltd on Tapetide?
On Tapetide, you can view Sammaan Capital Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Indiabulls Housing Finance Ltd, incorporated in 2005, is registered with and regulated by National Housing Bank (NHB) and is engaged in the business of providing home loans and loan against property. It also provides corporate mortgage loan - lease rental discounting and residential construction finance. [1]

Website sammaancapital.com
Listed 2013-07-23
Face Value ₹ 2
Issued Size 82,83,62,949

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