What is Sangam Finserv Ltd (538714) share price return in the past 10 years?

Sangam Finserv Ltd share price has appreciated 23.6% annually (CAGR) over the past ten years.

What is the share price of Sangam Finserv Ltd (538714)?

Company share prices are keep on changing according to the market conditions. The current trading price of Sangam Finserv Ltd (538714) on 12-Jun-2026 16:59:59 at 16:59 is 40.90.

What is the P/E ratio of Sangam Finserv?

The latest standalone P/E ratio of Sangam Finserv as of 12-Jun-2026 is 58.50.

What is the P/B ratio of Sangam Finserv Ltd (538714)?

The latest standalone P/B ratio of Sangam Finserv Ltd (538714) as of 12-Jun-2026 is 1.40.

What is the 52-week high and low of Sangam Finserv Ltd (538714)?

The 52-week high of Sangam Finserv Ltd (538714) is Rs. 50.00 and the 52-week low is Rs. 25.55.

Sangam Finserv Ltd (538714) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Sangam Finserv Ltd (538714)
Brand: Sangam Finserv

Sangam Finserv Ltd (538714)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 538714 NSE: Finance - NBFC | Small Cap | Sangam Finserv Share Price

Sangam Finserv Ltd (538714)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 538714 NSE: Finance - NBFC | Small Cap | Sangam Finserv Share Price

Key Metrics

Valuation Multiples

Market Cap

₹191 Cr.

Current Price

₹40.9

52-Week Low / High

₹26 / 50

TTM EPS

₹0.7

Book Value per Share

₹29.3

P/E Ratio

58.50

Higher than its 5-year historical median

Industry PE

26.2

Price to Book (P/B)

1.40

Higher than its 5-year historical median

EV/EBITDA

27.29

Higher than its 5-year historical median

Dividend Yield

0.00%

Profitability Efficiency

Return on Equity (ROE)

5.07%

Return on Capital Employed (ROCE)

7.41%

Return on Assets (ROA)

4.17%

Growth Momentum
1-yr vs 3-yr growth

Net Interest Income Growth (1 Year)

Slowing versus 3-year growth rate

7.51%

Book Value Growth (1 Year)

Slowing versus 3-year growth rate

4.8%

Asset Quality

Gross NPA(%)

0.00%

Net NPA(%)

0.00%

TTM Sales

₹15.5 Cr.

Reserves

₹90 Cr.

Equity

₹46.6 Cr.

Face Value

₹10

All Time Low / High

₹3.70 / 69.56

Sangam Finserv stock performance

Key Ratios

Check Before You Invest

Quality

Not Good

Check detailed performance

Valuation

Overvalued

Check Valuation charts

Price Trend

Weak

Check Price chart

Q.1 Is Sangam Finserv Ltd a good quality company?

Sangam Finserv Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does Sangam Finserv Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Sangam Finserv Ltd vs Industry Peers?

Sangam Finserv Ltd AUM CAGR is -0.85%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.

Q.1 Promoter shareholding and pledge status of Sangam Finserv Ltd?

Promoters hold 63.08% of the Sangam Finserv Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 Stock return of Sangam Finserv Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 23.1% based on the current price.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	2	12.7	24.3	33.1	21.6	21.9	15.3	16.5	18.6	18.6	15
YoY Gr. Rt. %	-	532.1%	91.6%	35.9%	-34.7%	1.2%	-30.2%	8%	12.6%	0.2%	-
Adj EPS (₹ )	0.1	0.9	1.6	2	1.9	1.3	1.6	1.4	1.7	1.4	0.7
YoY Gr. Rt. %	-	1242.9%	68.1%	26.6%	-3%	-34.5%	27.6%	-14.8%	23.2%	-16.5%	-
BVPS (₹ )	15.2	16.2	17.5	19.3	21.3	22.6	24.2	25.6	27.3	28.6	29.3
YoY Gr. Rt. %	-	6.1%	8.3%	10.1%	10.4%	6%	7.2%	5.9%	6.6%	4.8%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	0.3	3.1	2.9	2.5	3	3.4	4.5	4.1	5.1	4.2	0

CAGR ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	28.1%	-3%	6.8%	0.2%
Adj EPS	39.7%	-6.1%	-4.3%	-16.5%
BVPS	7.2%	6.1%	5.8%	4.8%
Share Price	23.6%	39.2%	48.5%	3.7%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	15.5	34.4	30.3	28.2	42	27.1	49.5	39.1	42.6	35.5	21.1
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	0.4	6	9.4	10.9	9.6	5.8	6.9	5.6	6.4	5.1	2.4

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	2	13	24	33	22	22	15	17	19	19
Interest Income	2	13	24	33	22	22	15	16	19	19
Other Income ⓘ	0	0	0	0	0	1	0	0	0	2
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Expenditure ⓘ +	2	6	14	20	9	11	5	7	8	9
Interest Expense ⓘ	1	5	13	19	9	9	4	4	4	2
Operating Expenses ⓘ	0	1	1	1	1	1	1	3	4	5
Provisions	0	0	0	0	0	1	0	0	0	2
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	0	7	11	13	12	11	10	9	11	9
Taxes ⓘ	0	2	3	4	3	5	3	3	3	3
Profit After Tax	0	4	7	9	9	6	8	6	8	7
Adjusted EPS (₹)	0.1	0.9	1.6	2.0	1.9	1.3	1.6	1.4	1.7	1.4
Dividend Payout Ratio (%)	0%	21.40%	15.20%	0%	0%	0%	0%	0%	0%	0%

Valuation of Sangam Finserv - Standalone

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	71	75	82	90	99	105	113	119	127	133
Share Capital ⓘ	9	9	9	9	9	9	9	9	9	47
Reserves ⓘ	62	66	72	81	90	96	103	110	118	87
Short term borrowings	33	56	203	309	42	50	43	33	26	18
Long Term Borrowings	0	42	31	32	24	20	1	0	0	9
Current Liabilities	33	65	215	312	44	53	45	34	28	19
Trade Payables	0	0	0	0	0	0	0	0	0	0
Other Liabilities	-33	-56	-203	-309	-42	-50	-43	-33	-26	-18
Total Liabilities ⓘ	104	182	328	433	168	178	159	154	155	161
Assets
Non Current Asset +	41	21	21	20	1	0	1	11	14	144
Loan Asset	0	0	0	0	0	0	0	0	0	107
Other Non Current Asset ⓘ	41	21	21	20	1	0	1	11	14	37
Current Asset +	63	162	307	413	167	178	157	143	141	17
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	63	162	307	413	167	178	157	143	141	17
Total Assets ⓘ	104	182	328	433	168	178	159	154	155	161

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-53	-86	-136	-96	254	-1	25	21	10	29
Cash Flow From Investing Activity ⓘ	27	21	0	0	20	0	-1	-10	-4	-24
Cash Flow From Financing Activity ⓘ	27	65	137	95	-274	3	-25	-11	-7	0
Net Cash Flow ⓘ	0	-0	1	-1	-0	1	-1	0	-0	5

Financial Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	0.30	4.70	7.90	10	9.70	6.40	8.10	6.90	8.50	1.40
DPS (₹)	0	1	1.20	0	0	0	0	0	0	0
BVPS (₹)	76.2	80.9	87.6	96.4	106.4	112.7	120.8	127.9	136.4	28.6
Performance Ratios
ROA (%)	0.3	3.1	2.9	2.5	3.0	3.4	4.5	4.1	5.1	4.2
ROE (%)	0.4	6.0	9.4	10.9	9.6	5.8	6.9	5.6	6.4	5.1
ROCE (%)	2.0	8.4	9.2	8.5	7.0	12.1	8.5	8.5	9.2	7.4
Valuation Parameters
Price/Book(x)	0.0	0.3	0.7	0.7	0.6	0.3	0.4	0.3	0.8	1.4

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Sangam Finserv Ltd FAQs

The current trading price of Sangam Finserv on 12-Jun-2026 16:59 is ₹40.90.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Jun-2026 the market cap of Sangam Finserv stood at ₹190.7 Cr

The latest P/E ratio of Sangam Finserv as of 11-Jun-2026 is 58.50.

The latest P/B ratio of Sangam Finserv as of 11-Jun-2026 is 1.40.

The 52-week high of Sangam Finserv is ₹50.00 and the 52-week low is ₹25.55.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Sangam Finserv is ₹15.49 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Sangam Finserv Ltd is a below average quality company.

The key valuation ratios of Sangam Finserv Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Sangam Finserv Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Sangam Finserv Ltd

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Sangam Finserv Ltd (538714)

Sangam Finserv Ltd (538714)

Sangam Finserv stock performance

Check Before You Invest

Quality

Valuation

Price Trend

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

CAGR ⓘ

Key Financial Ratios

Profit And Loss

Valuation of Sangam Finserv - Standalone

Price Calculator

Price Chart

Price to Earnings

Price to Sales

Price to Book

EV to EBITDA

Dividend History

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

Balance Sheet

Equity and Liabilities

Assets

Cash Flow

Financial Ratio

Operational & Financial Ratios

Performance Ratios

Valuation Parameters

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Sangam Finserv Ltd FAQs

What is the share price of Sangam Finserv?

What is the market cap of Sangam Finserv?

What is the P/E ratio of Sangam Finserv?

What is the P/B ratio of Sangam Finserv?

What is the 52-week high and low of Sangam Finserv?

What is the TTM revenue of Sangam Finserv?

Is Sangam Finserv Ltd a good quality company?

Is Sangam Finserv Ltd undervalued or overvalued?

Is Sangam Finserv Ltd a good buy now?

About Sangam Finserv Ltd

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