Sangam Finserv Ltd - Stock Valuation and Financial Performance

BSE: 538714 | NSE: | Finance - NBFC | Small Cap

Sangam Finserv Share Price

129.90 0.90 0.70%
as on 10-Oct'24 11:57

DeciZen - make an informed investing decision on Sangam Finserv

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

Sangam Finserv stock performance -

mw4me loader
P/E Ratio (SA):
14.55
Market Cap:
120.3 Cr.
52-wk low:
54.5
52-wk high:
132

Is Sangam Finserv Ltd an attractive stock to invest in?

1. Is Sangam Finserv Ltd a good quality company?

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

2. Is Sangam Finserv Ltd undervalued or overvalued?

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

3. Is Sangam Finserv Ltd a good buy now?

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.

10 Year X-Ray of Sangam Finserv:

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

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

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.
Sangam Finserv Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)0.10.3212.724.333.121.621.915.316.519
YoY Gr. Rt. %-277.8%491.2%531.8%91.7%35.8%-34.7%1.2%-30.2%8%-
Adj EPS (₹ ) 000.34.77.9109.76.48.16.98.9
YoY Gr. Rt. %-0%1000%1318.2%68.8%26.7%-2.9%-34.6%27.4%-14.7%-
BVPS (₹ )75.875.976.280.987.696.4106.4112.7120.8127.9138.7
YoY Gr. Rt. %-0%0.4%6.2%8.3%10.1%10.4%6%7.2%5.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)000.33.12.92.533.44.54.10

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income78.4%-7.5%-8.6%8%
Adj EPS83%-2.6%-10.8%-14.7%
BVPS6%7.9%6.3%5.9%
Share Price - 15.5% 25.6% 111.9%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)36.56.915.534.430.328.24227.149.539.143.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)000.469.410.99.65.86.95.66.4

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 6.70%

Total income growth is good in last 4 quarters

Total Income has declined 13.84 CAGR in last 3 years

Net Profit has declined -10.75 CAGR in last 3 years

Latest Financials - Sangam Finserv Ltd.

Standalone Consolidated
TTM EPS (₹) 8.9 -
TTM Sales (₹ Cr.) 19 -
BVPS (₹.) 138.7 -
Reserves (₹ Cr.) 120 -
P/BV 0.93 -
PE 14.55 -
From the Market
52 Week Low / High (₹) 54.52 / 131.95
All Time Low / High (₹) 18.50 / 131.35
Market Cap (₹ Cr.) 120
Equity (₹ Cr.) 9.3
Face Value (₹) 10
Industry PE 32.4

Management X-Ray of Sangam Finserv:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Sangam Finserv

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income00213243322221517
Interest Income00213243322221516
Other Income 0000000000
Expenditure 0026142091157
Interest Expense 001513199944
Operating Expenses 0001111113
Provisions 0000000100
Exceptional Items 0000000000
Profit Before Tax 000711131211109
Taxes 0002343533
Profit After Tax 0004799686
Adjusted EPS (₹)0.00.00.34.77.910.09.76.48.16.9
Dividend Payout Ratio (%)0%0%0%21%15%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital71717175829099105113119
Share Capital 9999999999
Reserves 6161626672819096103110
Minority Interest0000000000
Long Term Borrowings000423132242010
Current Liabilities 06336521531244534534
Trade Payables0000000000
Short term borrowings06335620330942504333
Other Liabilities0-6-33-56-203-309-42-50-43-33
Total Liabilities 7177104182328433168178159154

Assets

Non Current Asset 68684121212010111
Loan Asset 0000000000
Other Non Current Asset 68684121212010111
Current Asset 3963162307413167178157143
Current Investment0000000000
Other Current Asset3963162307413167178157143
Total Assets 7177104182328433168178159154

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 5-6-53-86-136-96254-12521
Cash Flow From Investing Activity -50272100200-1-10
Cash Flow From Financing Activity 06276513795-2743-25-11
Net Cash Flow 00001-101-10
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)000581010687
DPS (₹)0001100000
BVPS (₹)767676818896106113121128

Performance Ratios

ROA (%)0.00.00.33.12.92.53.03.44.54.1
ROE (%)0.00.00.46.09.410.99.65.86.95.6
ROCE (%)0.10.22.08.49.28.57.012.18.58.5

Valuation Parameters

Price/Book(x)0.00.30.00.30.70.70.60.30.40.3

Sangam Finserv Ltd Stock News

Sangam Finserv Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Sangam Finserv on 10-Oct-2024 11:57 is ₹129.9.
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-Oct-2024 11:57 the market cap of Sangam Finserv stood at ₹120.3.
The latest P/E ratio of Sangam Finserv as of 10-Oct-2024 11:57 is 14.55.
The latest P/B ratio of Sangam Finserv as of 10-Oct-2024 11:57 is 0.93.
The 52-week high of Sangam Finserv is ₹131.9 and the 52-week low is ₹54.52.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Sangam Finserv is ₹19.03 ( Cr.) .

About Sangam Finserv Ltd

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