Sammaan Capital Ltd logo

Sammaan Capital Ltd

SAMMAANCAP NSE

Key Fundamentals

SmallcapHousing FinanceFinancial Services
Market Cap
₹17,365 Cr
Volatility
Moderate
P/E Ratio
-2.4
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
₹116.7

Insights

Beta

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

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50 extracted metrics + investor summaries across FY11–FY27.

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Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

1
  • Stock is trading at 0.91 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 2d ago
AI opinion · based on fundamentals
Risk high

Sammaan Capital Ltd trades at a market cap of ₹17,614 Cr with a P/B of 0.92x, reflecting below-book valuation amid persistent operational challenges including negative ROE of -3% last year, a negative PE of -2.4x, and declining sales at -17% TTM. The stock has recovered 24% over the past year but remains down significantly over longer periods.

Bull Case 6
  • Stock trades at 0.92x book value, offering a discount to tangible net worth
  • TTM profit growth of 59% indicates a potential turnaround in earnings trajectory
  • 1-year stock CAGR of 24% shows renewed investor interest and momentum
  • Dividend yield of 1.33% provides some income cushion during the turnaround phase
  • Market cap of ₹17,614 Cr gives the company meaningful scale in the financial services space
  • 10-year historical ROE averaged 9%, suggesting the business model can generate reasonable returns under normalized conditions
Bear Case 8
  • Negative PE ratio of -2.4x signals the company is currently loss-making at the net level
  • 3-year ROE of -2% and last year ROE of -3% reflect sustained destruction of shareholder value
  • TTM sales declined 17% year-over-year, indicating significant revenue contraction
  • 5-year compounded sales growth of -4% shows a prolonged structural decline in top-line
  • Working capital days increased from 73.3 to 108 days, indicating deteriorating asset quality or collection efficiency
  • Low interest coverage ratio raises concerns about debt servicing ability in a rising rate environment
  • 5-year stock CAGR of -6% and 10-year CAGR of -15% reflect long-term wealth destruction for investors
  • 5-year ROE of just 1% suggests the business has struggled to generate meaningful returns even over a medium-term horizon

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

AI News Digest

Anthropic anthropic claude-opus-4.6 1d ago
Headwinds 2
  • CBI probe on ED allegations Aug 18

    Supreme Court directed CBI to investigate six ED allegations against Sammaan Capital, including fund misuse and a ₹1,574 crore deal, intensifying regulatory scrutiny.

  • Q1FY27 profit drops 27% Aug 19

    Net profit fell 27% to ₹243.3 crore and revenue declined 31% to ₹1,651.9 crore in Q1FY27, though cost of funds improved to 10%.

Positives 5
  • HC dismisses ED money-laundering case Aug 14

    Karnataka High Court dismissed the ED's money-laundering case against Sammaan Capital on grounds of insufficient legal basis, removing a key legal overhang.

  • Credit rating upgraded to AA+ Aug 19

    Company achieved credit rating upgrade to AA+ and reduced cost of funds to 10%, with capital adequacy ratio at 20.1%.

  • ₹92,000 crore disbursement target by FY30 Aug 17

    Company targets annual loan disbursements of up to ₹92,000 crore by FY29-FY30, with ₹30,000 crore targeted for FY27.

  • $18M bond tender completed Aug 17

    Completed cash tender offer for US$18 million of 9.70% Senior Secured Social Bonds due 2027, paying US$18.79 million and reducing outstanding to US$306 million.

  • Timely NCD interest payments Aug 06

    Paid ₹912.25 crore interest on NCDs ahead of due date, demonstrating strong liquidity and debt servicing capability across multiple series.

Neutral 3
  • Regular NCD interest payments Aug 24

    Multiple timely interest payments made across 20+ NCD series totaling ₹398.63 lakh to ₹38.98 lakh per tranche, with no delays certified by Company Secretary.

  • EGM scheduled for Sep 10 Aug 07

    EGM set for September 10, 2026 via VC/OAVM to approve NCLT-directed scheme of arrangement with wholly owned subsidiary Sammaan Finserve Limited.

  • Company denies ED allegations Aug 18

    Sammaan Capital denies any allegations and claims the ED views it as a victim, seeking to clarify its position in the ongoing regulatory matter.

TL;DR: Sammaan Capital is navigating a mixed environment — the HC dismissal of ED's money-laundering case is a major positive, but the SC-directed CBI probe on separate allegations keeps regulatory risk alive. Operationally, the company is executing well with AA+ rating upgrade, 10% cost of funds, and ambitious growth targets despite a weak Q1FY27. The trend is cautiously improving as legal overhangs reduce and the company scales toward ₹30,000 crore FY27 disbursements.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
1,900
2,227
2,143
2,205
2,207
2,422
2,017
2,107
2,400
2,251
2,158
1,358
1,652
Expenses
147
448
478
511
471
4,852
389
603
724
528
260
3,255
1
Financing Profit
400
429
353
402
426
-3,668
434
455
480
436
440
-3,576
315
Fin. Margin %
21%
19%
16%
18%
19%
-151%
22%
22%
20%
19%
20%
-263%
19%
Other Income
13
15
69
50
30
3
3
25
9
10
0
-6,496
31
Interest
1,354
1,350
1,312
1,291
1,309
1,238
1,194
1,050
1,196
1,286
1,458
1,679
1,335
Depreciation
19
23
23
21
19
20
20
25
21
21
21
25
20
PBT
394
422
399
431
437
-3,685
417
455
468
425
419
-10,097
326
Tax %
25%
29%
24%
26%
25%
-25%
28%
29%
29%
27%
25%
-20%
25%
Net Profit
294
298
303
319
327
-2,761
302
324
334
308
314
-8,101
243
EPS in Rs
4.16
4.14
4.1
4.32
4.42
-38.12
4.08
3.91
4.04
3.72
3.79
-69.92
2.09
Gross NPA %
2.87%
2.88%
2.85%
2.69%
2.68%
2.37%
—
1.3%
1.5%
1.4%
—
—
—
Net NPA %
1.69%
1.66%
1.71%
1.52%
1.52%
1.4%
—
0.8%
0.8%
0.8%
—
—
0.15%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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
7,418
Expenses
816
1,105
1,485
2,033
1,654
2,040
1,429
1,119
1,400
1,582
6,179
4,769
4,045
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
-2,385
Fin. Margin %
34%
34%
32%
33%
33%
20%
16%
18%
19%
20%
-26%
-27%
-32%
Other Income
9
4
62
6
6
2
29
6
8
41
2
-6,475
-6,454
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
5,757
Depreciation
19
20
23
37
43
108
97
77
86
85
83
88
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
-8,927
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
-7,236
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
-60.32
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 Housing 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 ₹17365.07 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 -2.40. 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 ₹116.7 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 1.34%. 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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