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10 Yrs X-Ray 
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Analyst Note 
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About
Sammaan Capital Ltd (SAMMAANCAP)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 535789 NSE: SAMMAANCAP Finance - Housing | Small Cap | Sammaan Capital Share Price
₹147.45 -2.30 (-1.54%)
As on 11-Sep'26 16:01
Sammaan Capital Ltd (SAMMAANCAP)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 535789 NSE: SAMMAANCAP Finance - Housing | Small Cap | Sammaan Capital Share Price
₹147.45 -2.30 (-1.54%)
As on 11-Sep'26 16:01
Key Metrics
Valuation Multiples
Market Cap
₹17,439 Cr.
Current Price
₹147.5
52-Week Low / High
₹129 / 193
TTM EPS
₹-62.1
Book Value per Share
₹153.3
P/E Ratio
0.00
Lower than its 5-year historical median
Industry PE
13.3
Price to Book (P/B)
0.98
Higher than its 5-year historical median
EV/EBITDA
17.29
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
-36.49%
Return on Capital Employed (ROCE)
-4.70%
Return on Assets (ROA)
-10.13%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-31.27%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
-41.25%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹7,418 Cr.
Reserves
₹17,614 Cr.
Equity
₹232.9 Cr.
Face Value
₹2
All Time Low / High
₹72.47 / 1283.86
Check Before You Invest
Quality
Not GoodValuation
FairCheck Valuation charts
Price Trend
Weak
Is Sammaan Capital Ltd a good quality company?
Sammaan Capital 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 Sammaan Capital Ltd performance compare with that of its Peers?
AUM Growth of Sammaan Capital Ltd vs Industry Peers?
Sammaan Capital Ltd AUM CAGR is -3.72%, compared to the 5-year industry median CAGR of 4.92%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of Sammaan Capital Ltd?
Promoters hold 28.34% of the Sammaan Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Sammaan Capital Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -14.3% 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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Sammaan Capital Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 10,125 | 13,759 | 15,408 | 11,399 | 8,655 | 7,765 | 7,478 | 7,380 | 7,610 | 7,516 | 6,818 | |
| YoY Gr. Rt. % | - | 35.9% | 12% | -26% | -24.1% | -10.3% | -3.7% | -1.3% | 3.1% | -1.2% | - | |
| Adj EPS (₹ ) | 59.8 | 66.6 | 77.8 | 45.1 | 20.4 | 13.3 | 15.5 | 17.2 | 11.4 | -65.5 | -65.9 | |
| YoY Gr. Rt. % | - | 11.4% | 16.8% | -42.1% | -54.7% | -35.1% | 16.9% | 11.2% | -34% | -676.2% | - | |
| BVPS (₹ ) | 249.7 | 323.3 | 356.8 | 307.5 | 296 | 294.7 | 300 | 311.7 | 271.9 | 159.7 | 161 | |
| YoY Gr. Rt. % | - | 29.5% | 10.4% | -13.8% | -3.8% | -0.4% | 1.8% | 3.9% | -12.8% | -41.3% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 3.2 | 2.8 | 3 | 2 | 1.2 | 0.9 | 1.1 | 1.5 | 1.4 | -11.2 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -3.3% | -2.8% | 0.2% | -1.2% | ||||
| Adj EPS | -201% | -226.3% | -261.7% | -676.2% | ||||
| BVPS | -4.8% | -11.6% | -19% | -41.3% | ||||
| Share Price | -14.5% | -6.2% | -3.6% | 7.8% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | 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 (%) | 28.1 | 23.2 | 24.2 | 19 | 12.2 | 9 | 11 | 13.4 | 12.4 | -101.1 | -112.5 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 25.4 | 23.3 | 22.9 | 13.6 | 7 | 4.5 | 5.2 | 5.9 | 4.7 | -37 | -40.9 | |
Valuation of Sammaan Capital - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 11,785 | 15,012 | 17,082 | 13,224 | 10,030 | 9,050 | 8,880 | 8,739 | 9,404 | 9,090 |
| Exceptional Items ⓘ | 1,292 | 61 | 32 | 7 | 103 | 67 | 161 | 264 | 781 | 924 |
| Expenditure ⓘ + | 8,013 | 10,134 | 11,478 | 10,663 | 8,468 | 7,494 | 7,276 | 7,090 | 11,779 | 11,376 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -6,499 |
| Profit Before Tax ⓘ | 3,772 | 4,878 | 5,604 | 2,561 | 1,562 | 1,556 | 1,604 | 1,649 | -2,376 | -8,784 |
| Taxes ⓘ | 863 | 1,005 | 1,546 | 395 | 360 | 378 | 476 | 432 | -568 | -1,640 |
| Profit After Tax | 2,909 | 3,873 | 4,058 | 2,166 | 1,202 | 1,178 | 1,128 | 1,217 | -1,807 | -7,145 |
| Adjusted EPS (₹) | 61.2 | 81.5 | 85.4 | 46.8 | 24.1 | 23.6 | 22.5 | 21.5 | -22.2 | -62.5 |
| Dividend Payout Ratio (%) | 39.40% | 44.90% | 41.80% | 59.10% | 33.40% | 0% | 5% | 9.30% | 0% | 0% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 12,122 | 14,358 | 16,482 | 15,538 | 16,134 | 16,674 | 17,361 | 19,792 | 21,822 | 17,926 |
| Short term borrowings | 18,033 | 21,638 | 15,994 | 10,341 | 11,000 | 14,483 | 15,134 | 8,385 | 8,419 | 13,934 |
| Long Term Borrowings | 57,257 | 89,706 | 90,226 | 69,843 | 58,196 | 46,995 | 37,501 | 40,294 | 34,007 | 36,693 |
| Current Liabilities | 37,104 | 28,076 | 23,282 | 17,104 | 18,239 | 17,749 | 19,641 | 12,746 | 13,589 | 15,990 |
| Trade Payables | 6 | 29 | 32 | 12 | 1 | 1 | 4 | 3 | 2 | 1 |
| Other Liabilities | -18,039 | -21,666 | -16,026 | -10,353 | -11,001 | -14,484 | -15,132 | -8,388 | -8,421 | -12,869 |
| Total Liabilities ⓘ | 1,06,484 | 1,32,141 | 1,29,990 | 1,02,484 | 92,568 | 81,418 | 74,509 | 72,831 | 69,419 | 71,674 |
Assets | ||||||||||
| Non Current Asset + | 77,592 | 1,13,573 | 95,639 | 77,114 | 71,622 | 66,540 | 63,110 | 60,778 | 62,527 | 58,211 |
| Current Asset + | 28,892 | 18,568 | 34,350 | 25,369 | 20,946 | 14,878 | 11,399 | 12,053 | 6,892 | 13,463 |
| Total Assets ⓘ | 1,06,484 | 1,32,141 | 1,29,990 | 1,02,484 | 92,568 | 81,418 | 74,509 | 72,831 | 69,419 | 71,674 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -17,845 | -25,024 | 21,206 | 19,331 | 7,089 | 657 | 4,001 | 140 | 8,772 | -7,466 |
| Cash Flow From Investing Activity ⓘ | -2,107 | 368 | -4,220 | 8,265 | 3,103 | 1,649 | 884 | 1,042 | -5,578 | -1,540 |
| Cash Flow From Financing Activity ⓘ | 22,591 | 23,775 | -7,335 | -27,934 | -10,632 | -7,444 | -9,142 | -2,383 | -2,373 | 14,684 |
| Net Cash Flow ⓘ | 2,638 | -881 | 9,650 | -338 | -440 | -5,138 | -4,257 | -1,201 | 821 | 5,678 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 68.60 | 91.30 | 95.70 | 52.50 | 27 | 26.40 | 25.20 | 21.50 | -22.20 | -62.50 |
| DPS (₹) | 27 | 41 | 40 | 31 | 9 | 0 | 1.30 | 2 | 0 | 0 |
| BVPS (₹) | 285.9 | 334.4 | 381.8 | 366.1 | 358.1 | 370.2 | 383.1 | 347.7 | 265 | 153.9 |
Performance Ratios | ||||||||||
| ROA (%) | 3.2 | 3.3 | 3.1 | 1.9 | 1.2 | 1.4 | 1.5 | 1.7 | -2.5 | -10.1 |
| ROE (%) | 25.5 | 29.4 | 26.5 | 13.7 | 7.7 | 7.3 | 6.7 | 6.6 | -8.8 | -36.5 |
| ROCE (%) | 12.0 | 11.6 | 12.4 | 10.2 | 9.4 | 9.6 | 9.8 | 10.1 | 3.7 | -4.7 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 3.5 | 3.7 | 2.3 | 0.3 | 0.6 | 0.4 | 0.3 | 0.5 | 0.4 | 1.0 |
Top 5 Mutual Funds Holding
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Announcements
Sammaan Capital Ltd FAQs
The current trading price of Sammaan Capital on 11-Sep-2026 16:01 is ₹147.4.
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 10-Sep-2026 the market cap of Sammaan Capital stood at ₹17,439.2 Cr
The latest P/E ratio of Sammaan Capital as of 10-Sep-2026 is 0.00.
The latest P/B ratio of Sammaan Capital as of 10-Sep-2026 is 0.93.
The 52-week high of Sammaan Capital is ₹192.9 and the 52-week low is ₹129.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Sammaan Capital is ₹6,818 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Sammaan Capital Ltd is a below average quality company.
The key valuation ratios of Sammaan Capital Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Sammaan Capital Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
About Sammaan Capital Ltd
Indiabulls Housing Finance Ltd. (IBHFL) is one of largest housing finance company in the country. Customer delight is and has always been a priority for company. its competency to deliver to its customers quick solution and seamless experiences lies in the expertise of its employees operating out of its national wide network of branches, its external channel partners and ahead-of-its-me digital platform that offer customized solutions and round-the-clock service to its customers.
Business area of the economy
The Company is primarily engaged in the business to provide finance. It also undertakes lending and finance to any person or persons, co-operative society, association of persons, body of individuals, companies, institutions, firms, builders, developers, contractors, tenants and others either at interest or without and/or with or without any security for construction, erection, building, repair, remodeling, development, improvement, purchase of houses, apartments, flats, bungalows, rooms, huts, townships and/or other buildings and real estate. Its offerings include home loans for resident Indians, home loans for non-resident Indians (NRIs), loan against property and home loan balance transfer. The Company also offers home renovation loan, rural home loans and home extension loans.
Company’s offerings
- Home Loan
- Home Loan Balance Transfer
- MSMSE Loans & LAP
- Home Loans for NRI's
- Home Renovation Loan
- Home Extension Loans
- Rural Home Loans
- Pradhan Mantri Awas Yojana
- ECLGS
Awards and Accolades
2011
- Award for ‘The Best Stall’.
- Award for ‘The Best Customer Service’.
- ‘People’s Choice Award for Most Preferred Brand in Housing Finance’.
- Award for ‘Excellence in Home Loan Banking’.
2012
- Award for ‘Best Employer Brand’.
2013
- Award for ‘Best Housing Finance Company of the Year’.
- Award for ‘Housing Finance Company of the Year’.
2014
- Award for ‘Fastest Growing Housing Finance Company of the Year 2013-14’.
2015
- Award for ‘Best Housing Finance Company’.
- Award for ‘Best Affordable Housing Finance Company of the Year’.
2016
- SKOCH Smart Technologies Sustainable Growth - Silver Award (e-Home Loans).
- Certificate of Excellence at the BFSI Tech Maestro Awards 2016.
- Housing Finance Company of the Year at the Navabharat Realty Business Achievers Awards 2016.
- ‘BFSI Digital Innovators Award (Customer Experience)’.
- ‘Most Promising Brand for Housing Finance of the Year.
- Award for ‘Best Housing Finance Company in Punjab’.
- Award for ‘Excellence in Home Loan Banking’.
2017
- Award for ‘Gold Level - Arogya World Healthy Workplace’.
- Award for 'Excellence in Cost Management'.
- SKOCH Order-of-Merit Award (Housing Finance).
- Award for ‘Most Innovative Citizen Engagement Through Technology’.
- Award for ‘Best use of Digital Media - 100% Dad Campaign’.
- Certificate for ‘Risk Management’ at the ‘Golden Peacock Awards’.
- Award for ‘Excellence in Home Loan Banking’.
2018
- Best Social Media Brand in the BFSI sector (Financial Services).
- Awards for Annual Report, Brand Film and Table Calendar 2017-18.
2019
- Ranked 20th among India’s Best Companies to Work For 2019.
- India’s Best Workplaces in BFSI-2019.
- India’s Best Workplaces in NBFC- 2019.
Milestones
2013
- IBFSL revenue merged into IBHFL.
2015
- Rating upgraded to AAA.
- Gross disbursement cross Rs 1,00,000 crore.
2016
- Raised Rs. 4,000 crore through QIP.
2017
- Included in NIFTY50 Index.
- Balance sheet crosses Rs. 1.04 trillion.
2020
- Indiabulls Housing Finance has launched its QIP (qualified institutional placement) and set the floor price at Rs 206.70 per equity share for the issue.
- Indiabulls Housing Finance has sold a portion of its stake in OakNorth Holding -- the wholly owning parent company of OakNorth Bank to HighSage Ventures LLC for Rs 440 crore.
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