Is Sangam Finserv Ltd (538714) 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 .

Is Sangam Finserv Ltd (538714) 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 .

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

Sangam Finserv Ltd share price has appreciated 24.7% annually (CAGR) over the past ten years.

Is Sangam Finserv Ltd (538714) 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.

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 08-May-2026 16:59:59 at 16:59 is 44.40.

What is the market cap of Sangam Finserv Ltd (538714)?

Market capitalization is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 08-May-2026 at 16:59, the market cap of Sangam Finserv stood at Rs. 206.96 Cr.

What is the P/E ratio of Sangam Finserv?

The latest standalone P/E ratio of Sangam Finserv as of 08-May-2026 is 36.14.

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

The latest standalone P/B ratio of Sangam Finserv Ltd (538714) as of 08-May-2026 is 1.47.

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

The 52-week high of Sangam Finserv Ltd (538714) is Rs. 47.87 and the 52-week low is Rs. 25.55.

What is the TTM revenue of Sangam Finserv Ltd (538714)?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Sangam Finserv is Rs. 17.43 (Cr.).

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

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

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

	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	17
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	1.2
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	30.1
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 ⓘ

CAGR Colour Code Guide ⓘ


	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	24.7%	45.8%	72.2%	11.2%

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	32.9
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	4.1

Recent Performance Summary

Total Income has increased 6.80 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 4.20%

Net Profit has declined -4.30 CAGR in last 3 years

Total income growth is poor in last 4 quarters

	Standalone	Consolidated
TTM EPS (₹)	1.2	-
TTM Sales (₹ Cr.)	17.4	-
BVPS (₹) ⓘ	30.1	-
Reserves (₹ Cr.) ⓘ	94	-
P/BV ⓘ	1.47	-
PE ⓘ	36.14	-

From the Market
52 Week Low / High (₹)	25.55 / 47.87
All Time Low / High (₹)	3.70 / 69.56
Market Cap (₹ Cr.)	207
Equity (₹ Cr.)	46.6
Face Value (₹)	10
Industry PE ⓘ	28.3

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

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

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

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%

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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

Sangam Finserv Share Price