Sammaan Capital Ltd

Sammaan Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Sammaan Capital Ltd

₹ 173 3.35%
27 May - close price
sammaancapital.com BSE: 535789 NSE: SAMMAANCAP
About

Indiabulls Housing Finance Ltd, incorporated in 2005, is registered with and regulated by National Housing Bank (NHB) and is engaged in the business of providing home loans and loan against property. It also provides corporate mortgage loan - lease rental discounting and residential construction finance. [1]

Key Points

Offerings[1]
1 Home Loans: The company offers home loans in the affordable housing segment with loan amounts ranging from Rs. 15-30 lakh and interest rates between 9.75% and 11.50% with an average tenure of 15 years and are available to salaried and self-employed customers.

Website BSE NSE
  • Market Cap ₹ 20,092 Cr.
  • Current Price ₹ 173
  • High / Low ₹ 193 / 114
  • Stock P/E
  • Book Value ₹ 172
  • Dividend Yield 0.00 %
  • ROCE 3.24 %
  • ROE -5.14 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 1.01 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -2.93% over past five years.
  • Company has a low return on equity of 1.42% over last 3 years.
  • Working capital days have increased from 54.0 days to 80.6 days

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

Part of BSE 500 Nifty 500 BSE Financial Services BSE SmallCap Select Index BSE 250 SmallCap Index

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
1,900 1,766 1,867 1,767 1,979 1,903 2,066 1,902 1,880 2,192 2,063 2,046 1,215
Interest 1,230 1,237 1,223 1,194 1,179 1,200 1,127 1,111 971 1,132 1,221 1,387 1,576
355 226 308 318 479 376 777 390 506 638 456 275 3,973
Financing Profit 315 304 336 254 321 326 162 401 402 422 385 384 -4,334
Financing Margin % 17% 17% 18% 14% 16% 17% 8% 21% 21% 19% 19% 19% -357%
4 18 18 71 52 31 2 3 25 8 7 7 -6,491
Depreciation 21 18 21 22 20 18 19 18 23 19 18 19 22
Profit before tax 298 304 333 304 354 339 144 386 405 412 373 373 -10,847
Tax % 28% 21% 26% 26% 22% 24% 23% 27% 27% 28% 26% 24% -22%
216 241 248 226 276 257 111 282 294 297 275 285 -8,455
EPS in Rs 3.06 3.41 3.44 3.06 3.73 3.47 1.53 3.81 3.54 3.59 3.33 3.44 -72.97
Gross NPA % 3.37% 1.55% 1.83% 2.07% 1.91% 1.65%
Net NPA % 2.02% 0.92% 1.10% 1.20% 1.11% 0.98%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
7,131 8,839 11,241 13,745 15,407 11,399 8,719 7,765 7,364 7,484 7,662 7,516
Interest 3,844 4,842 6,315 7,711 9,057 7,710 6,308 5,865 5,131 4,833 4,410 5,316
744 927 1,290 2,093 1,196 1,059 958 883 1,061 1,331 1,904 5,342
Financing Profit 2,543 3,069 3,637 3,942 5,154 2,630 1,452 1,018 1,171 1,320 1,348 -3,142
Financing Margin % 36% 35% 32% 29% 33% 23% 17% 13% 16% 18% 18% -42%
8 3 65 14 31 14 31 12 17 55 4 -6,469
Depreciation 18 19 21 27 37 98 91 74 83 81 79 78
Profit before tax 2,533 3,053 3,681 3,928 5,148 2,547 1,392 956 1,106 1,294 1,274 -9,689
Tax % 22% 25% 23% 19% 28% 15% 24% 27% 26% 24% 26% -22%
1,978 2,294 2,842 3,185 3,729 2,160 1,058 696 819 990 943 -7,597
EPS in Rs 37.09 36.31 44.71 49.79 58.17 33.67 15.26 9.90 11.58 13.40 11.38 -65.57
Dividend Payout % 49% 83% 40% 55% 46% 61% 39% 0% 7% 12% 18% 0%
Compounded Sales Growth
10 Years: -2%
5 Years: -3%
3 Years: 1%
TTM: -2%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -216%
Stock Price CAGR
10 Years: -13%
5 Years: -3%
3 Years: 20%
1 Year: 43%
Return on Equity
10 Years: 9%
5 Years: 3%
3 Years: 1%
Last Year: -5%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 71 84 85 85 85 86 92 94 94 115 166 232
Reserves 6,421 10,420 11,785 15,470 17,173 14,844 15,430 15,559 15,935 17,941 22,627 19,684
Borrowing 45,556 59,963 82,512 104,217 96,205 73,041 63,072 56,897 47,473 43,565 40,384 48,096
3,094 3,918 5,909 7,127 6,639 4,682 4,878 3,529 4,639 4,176 4,888 3,113
Total Liabilities 55,143 74,385 100,290 126,899 120,103 92,653 83,472 76,079 68,141 65,797 68,065 71,124
52 65 84 97 141 376 229 263 365 284 327 276
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 6,731 11,248 14,165 17,927 25,926 16,167 10,018 10,223 9,913 9,945 16,752 18,283
48,360 63,072 86,041 108,875 94,036 76,110 73,226 65,593 57,863 55,567 50,985 52,566
Total Assets 55,143 74,385 100,290 126,899 120,103 92,653 83,472 76,079 68,141 65,797 68,065 71,124

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-8,459 -12,384 -16,307 -20,009 27,426 14,080 7,601 1,448 1,767 30 6,692 -5,111
-2,092 -4,968 -2,146 510 -7,446 9,726 2,581 1,284 2,583 2,000 -5,320 -2,091
10,210 16,080 21,030 18,467 -10,506 -25,672 -10,428 -6,371 -9,118 -2,593 -1,120 13,284
Net Cash Flow -341 -1,272 2,577 -1,032 9,474 -1,865 -246 -3,640 -4,768 -563 252 6,082
Free Cash Flow -8,488 -12,306 -16,423 -19,987 27,344 14,049 7,571 1,430 1,724 -24 6,650 -5,142
CFO/OP -122% -147% -155% -163% 202% 142% 98% 29% 35% 0% 116% -225%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 33% 27% 25% 23% 23% 13% 7% 4% 5% 6% 5% -5%

Insights

In beta
Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Capital Adequacy Ratio
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Gearing (Debt to Equity)
x
Gross Stage 3 / GNPA Ratio
%
Net Stage 3 / NNPA Ratio
%
Total Assets Under Management (AUM)
₹ Crore
Legacy Loan AUM
₹ Crore
Consolidated Disbursements
₹ Crore
Growth AUM
₹ Crore

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Shareholding Pattern

Numbers in percentages

9 Recently
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
18.53% 22.37% 23.41% 19.33% 19.13% 19.77% 19.53% 24.69% 24.40% 19.05% 24.94% 46.21%
16.12% 16.08% 8.53% 7.15% 6.62% 6.31% 6.71% 5.92% 5.96% 16.83% 14.31% 12.08%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.07% 0.53%
60.47% 59.81% 66.34% 71.79% 72.54% 72.22% 72.05% 67.49% 67.72% 62.22% 58.76% 39.81%
4.88% 1.75% 1.71% 1.71% 1.70% 1.69% 1.69% 1.91% 1.91% 1.91% 1.91% 1.37%
No. of Shareholders 4,99,9574,54,3034,50,1414,93,2884,87,8494,74,5924,59,9274,49,3734,39,2444,38,4844,21,6444,07,005

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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