Sammaan Capital Ltd logo

Sammaan Capital Ltd

SAMMAANCAP NSE

Key Fundamentals

SmallcapHousing FinanceFinancial Services
Market Cap
₹19,146 Cr
Volatility
Moderate
P/E Ratio
-2.7
EBITDA
₹-3,102 Cr
Return on Equity
-8.28%
Debt to Equity
2.19
Book Value
₹163.53
EPS
₹25.15
52W High
₹192.95
52W Low
₹114.1

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Tapetide Score

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Technical Indicators

Key Insights

Strengths

1
  • Stock is trading at 1.00 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 15h ago
AI opinion · based on fundamentals
Risk high

Sammaan Capital Ltd trades at a market cap of ₹19,146 Cr with a price-to-book of 1.02x, reflecting near book value. The company posted a negative PE of -2.7x due to recent losses, though TTM profit growth of 64% suggests a potential recovery trajectory against a backdrop of declining sales and weak return ratios over the past several years.

Bull Case 7
  • Stock trades at 1.00x book value, offering potential margin of safety for a financial services company with ₹19,146 Cr market cap
  • TTM compounded profit growth of 64% indicates a significant improvement in profitability from prior loss-making periods
  • 1-year stock CAGR of 35% reflects strong recent price momentum and renewed investor interest
  • 10-year average ROE of 9% demonstrates the company has historically been capable of generating reasonable returns on equity
  • Dividend yield of 1.2% provides some income cushion despite the company's current loss-making status
  • Transition from negative PE (-2.7x) toward profitability — 64% TTM profit growth — suggests the business may be at an inflection point
  • Price-to-book of 1.02x is significantly below typical financial services sector multiples, implying limited downside from asset value perspective
Bear Case 8
  • Negative PE ratio of -2.7x confirms the company is currently loss-making on a trailing basis
  • 5-year compounded sales growth of -4% and TTM sales decline of -6% indicate a structurally shrinking revenue base
  • 3-year ROE of -2% and last year ROE of -3% show persistent destruction of shareholder value
  • Low interest coverage ratio signals potential stress in servicing debt obligations from operating earnings
  • Working capital days have deteriorated from 73.3 days to 108 days, indicating weakening operational efficiency and potential asset quality concerns
  • 10-year stock CAGR of -14% reflects massive long-term wealth destruction for investors who held through this period
  • 5-year stock CAGR of -8% shows the underperformance is not just a distant historical issue but persists in the medium term
  • 5-year ROE of just 1% suggests the business has struggled to generate any meaningful return on equity even in better periods

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

AI News Digest

Anthropic anthropic claude-opus-4.6 1d ago
Positives 4
  • ₹912 cr NCD interest paid Aug 6

    Sammaan Capital paid ₹9,122.50 lacs interest on Secured Redeemable NCDs ahead of the due date, demonstrating strong debt-servicing capability.

  • $18M bond tender closed Aug 3

    Successfully closed tender offer for $18M of 9.70% Senior Secured Social Bonds due 2027, with demand exceeding the early deadline triggering a ~15.1% scaling factor.

  • Consistent NCD interest payments Jul 17

    Paid ₹93.64 lakh across eight NCD series on Jul 17, ahead of the Jul 19 due date, part of a pattern of early payments throughout July-August 2026.

  • NBFC demerger scheme progressing Aug 7

    EGM scheduled for Sep 10, 2026 to approve demerger of NBFC business from subsidiary Sammaan Finserve into Sammaan Capital, with RBI, BSE and NSE no-objection letters secured.

Neutral 6
  • EGM set for Sep 10 Aug 7

    NCLT-ordered EGM via VC/OAVM to approve scheme of arrangement; remote e-voting open Sep 6-9 with Sep 2 cut-off date. No fresh equity shares to be issued.

  • Multiple routine NCD payments Aug 1

    Timely interest payments across 20+ NCD series totaling ₹398.63 lakh (Aug 1), ₹8.42 lacs (Jul 27), ₹7.70 lacs (Aug 6), and others through Jul-Aug 2026.

  • $18M bond buyback announced Jul 20

    Announced tender offer to repurchase $18M of 9.70% bonds due 2027 at early consideration of $1,035 per $1,000 principal amount.

  • NCLT scheme order clarified Jul 13

    NCLT modified Jun 12 order on Jul 10, allowing e-voting and updating meeting protocols for the Sammaan Capital demerger scheme.

  • Director appointment postal ballot Jul 10

    Postal ballot initiated to appoint Alwyn Dinesh Crasta as Non-Executive Non-Independent Director for five years; e-voting open Jul 12 to Aug 10, 2026.

  • Bond buyback committee meeting Jul 15

    Committee met Jul 20 to consider buyback of USD denominated bonds, subject to regulatory approvals.

TL;DR: Sammaan Capital is demonstrating strong financial discipline with consistent early NCD interest payments and successful closure of an $18M bond tender offer. The NBFC demerger scheme is progressing smoothly with all regulatory clearances in place. No material headwinds are visible in the news flow. The trend is stable-to-positive, with the company actively managing its debt profile and simplifying corporate structure ahead of the Sep 10 EGM.

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 Jun 2026
Public 28.65%
Promoters 28.34%
FIIs 19.60%
Others 15.42%
DIIs 7.99%
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 2026Jun 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%
28.34%
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%
19.60%
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%
7.99%
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%
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%
28.65%
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%
15.42%
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
3,99,460

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 ₹19145.72 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 -2.70. 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 1.20%. 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 -8.28%. 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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