Check Before You Invest : Sammaan Capital Ltd

BSE: 535789 NSE: SAMMAANCAP ISIN: INE148I01020

| Sector: BFSI | Industry: Finance - Housing

Snapshot

Q.1 Which industry/sub-sector does Sammaan Capital Ltd belong to?

Sammaan Capital Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q.2 Is Sammaan Capital Ltd a good quality company?

Sammaan Capital Ltd is a weak quality company, based on a inconsistent 10-year financial track record.

Q.3 Is Sammaan Capital Ltd undervalued or overvalued?

Sammaan Capital Ltd appears Somewhat Undervalued, as its key valuation ratios are below with their past averages.

Q.4 Is Sammaan Capital Ltd a good buy now?

Sammaan Capital Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of Sammaan Capital Ltd?

Sammaan Capital Ltd Operating Income growth is 3.12% for FY-2025, which is above its 5-year CAGR of -7.76%, indicating faster growth.

Q.2 Return on Assets of Sammaan Capital Ltd?

Sammaan Capital Ltd Return on Asset is 1.4%, which is above its 5-year historical median of 1.2%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM%	12.39	12.23
PPOP%	74.33	13.54
RoA%	1.4	1.2

Q.3 Return on Equity (ROE) of Sammaan Capital Ltd?

Sammaan Capital Ltd Return on Equity is 4.7% for FY-2025, which is below its 5-year historical median of 5.2%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Sammaan Capital Ltd?

Sammaan Capital Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 74.33% for FY-2025, which is above its 5-year median(13.54%), indicating increasing margins.

Q.5 Net Profit Margin of Sammaan Capital Ltd?

Sammaan Capital Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 12.39% for FY-2025, which is above its 5-year median( 12.23%), indicating increasing margins.

Q.6 Total Asset growth of Sammaan Capital Ltd?

Sammaan Capital Ltd Total Asset growth is 3.17% for FY-2025, which is above its 5-year CAGR of -6.03%, indicating faster growth.

Q.7 Capital Adequacy ratio of Sammaan Capital Ltd?

Sammaan Capital Ltd Capital Adequacy ratio (CAR) is 29.52% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Q.8 Asset Quality of Sammaan Capital Ltd?

Sammaan Capital Ltd Gross Non-Performing Assets, which are loans overdue by more than 90 days, is 1.3% for FY-2025, which is below its 5-year median 2.7%, while Net Non-Performing Assets, which is GNPA minus provisions made for bad loans is 1.11% which is below its 5-year median( 2.07%), indicating improving asset quality.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Sammaan Capital Ltd?

Promoters hold 0.00% of the Sammaan Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Sammaan Capital Ltd vs Industry Peers?

Sammaan Capital Ltd AUM CAGR is -6.03%, compared to the 5-year industry median CAGR of 4.02%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Sammaan Capital Ltd vs industry peers

Sammaan Capital Ltd profit metrics are in line with the industry median level of 10.39%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	12.39	17.47
PPOP%	74.33	11.85
RoA%	1.4	1.85

Q.3 Operating efficiency of Sammaan Capital Ltd vs industry peers?

Sammaan Capital Ltd ROCE (9.2) is above the industry median of (8.9); while the current ROE (5.2) are below than the 5-year average Industry ROE (13.55). This shows that the business is positioned in the middle quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	12.39	17.47
PPOP%	74.33	11.85
RoA%	1.4	1.85
ROCE%	9.1	8.9
ROE%	4.7	13.55

Valuation & price assessment

Q.1 Stock return of Sammaan Capital Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -13.5% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	-13.5%	-2.2%	12.8%	21.3%

Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	14.61	10.50	14.89
Price to Book	0.6	0.53	1.26
Price to Sales	2.06	1.30	3.55
EV to EBITDA	5.51	7.73	10.70

Q.4 Valuation ratios of Sammaan Capital Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.6% is higher than its historical median of 0.53%, indicating that at the current price the stock is overvalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Sammaan Capital Ltd return on invested capital (ROIC) is 6.46% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 13.5%, indicating value erosion.

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