Sammaan Capital Ltd

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

Sammaan Capital Ltd

₹ 121 -0.97%
21 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 ₹ 10,022 Cr.
  • Current Price ₹ 121
  • High / Low ₹ 184 / 97.6
  • Stock P/E 10.6
  • Book Value ₹ 275
  • Dividend Yield 1.65 %
  • ROCE 9.11 %
  • ROE 4.62 %
  • Face Value ₹ 2.00
Edit ratios

Pros

  • Stock is trading at 0.44 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -7.76% over past five years.
  • Company has a low return on equity of 5.16% over last 3 years.
  • Dividend payout has been low at 6.27% of profits over last 3 years

* 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

Sector: Finance Industry: Finance - Housing

Part of BSE 500 Nifty 500 BSE SmallCap BSE Allcap BSE Financial Services

Edit Columns
Loading peers table ...

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
1,781 1,745 1,797 1,985 1,900 1,766 1,867 1,767 1,979 1,903 2,066 1,902 1,880
Interest 1,467 1,375 1,266 1,261 1,230 1,237 1,223 1,194 1,179 1,200 1,127 1,111 971
-3 156 220 393 355 226 308 318 479 376 777 390 506
Financing Profit 317 214 311 331 315 304 336 254 321 326 162 401 402
Financing Margin % 18% 12% 17% 17% 17% 17% 18% 14% 16% 17% 8% 21% 21%
4 5 4 3 4 18 18 71 52 31 2 3 25
Depreciation 19 17 22 22 21 18 21 22 20 18 19 18 23
Profit before tax 302 202 293 312 298 304 333 304 354 339 144 386 405
Tax % 31% 25% 24% 26% 28% 21% 26% 26% 22% 24% 23% 27% 27%
209 151 222 229 216 241 248 226 276 257 111 282 294
EPS in Rs 2.97 2.14 3.14 3.24 3.06 3.41 3.44 3.06 3.73 5.17 1.53 3.81 3.54
Gross NPA % 4.11% 3.37% 1.55%
Net NPA % 2.36% 2.02% 0.92%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
5,685 7,131 8,839 11,241 13,745 15,407 11,399 8,719 7,765 7,364 7,484 7,610
Interest 3,232 3,844 4,842 6,315 7,711 9,057 7,710 6,308 5,865 5,131 4,833 4,410
557 744 927 1,290 2,093 1,196 1,059 958 883 1,061 1,331 1,909
Financing Profit 1,895 2,543 3,069 3,637 3,942 5,154 2,630 1,452 1,018 1,171 1,320 1,292
Financing Margin % 33% 36% 35% 32% 29% 33% 23% 17% 13% 16% 18% 17%
13 8 3 65 14 31 14 31 12 17 55 61
Depreciation 8 18 19 21 27 37 98 91 74 83 81 79
Profit before tax 1,901 2,533 3,053 3,681 3,928 5,148 2,547 1,392 956 1,106 1,294 1,274
Tax % 21% 22% 25% 23% 19% 28% 15% 24% 27% 26% 24% 26%
1,510 1,978 2,294 2,842 3,185 3,729 2,160 1,058 696 819 990 943
EPS in Rs 30.13 37.09 36.31 44.71 49.79 58.17 33.67 15.26 9.90 11.58 13.40 11.38
Dividend Payout % 64% 49% 83% 40% 55% 46% 61% 39% 0% 7% 12% 0%
Compounded Sales Growth
10 Years: 1%
5 Years: -8%
3 Years: -1%
TTM: 2%
Compounded Profit Growth
10 Years: -7%
5 Years: -15%
3 Years: 11%
TTM: -5%
Stock Price CAGR
10 Years: -14%
5 Years: 3%
3 Years: 5%
1 Year: -27%
Return on Equity
10 Years: 12%
5 Years: 5%
3 Years: 5%
Last Year: 5%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 67 71 84 85 85 85 86 92 94 94 115 166
Reserves 5,400 6,421 10,420 11,785 15,470 17,173 14,844 15,430 15,559 15,935 17,941 22,627
Borrowing 34,490 45,556 59,963 82,512 104,217 96,205 73,041 63,072 56,897 47,473 43,565 40,384
3,121 3,094 3,918 5,909 7,127 6,639 4,682 4,878 3,529 4,639 4,176 4,888
Total Liabilities 43,078 55,143 74,385 100,290 126,899 120,103 92,653 83,472 76,079 68,141 65,797 68,065
46 52 65 84 97 141 376 229 263 365 284 327
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 3,491 6,731 11,248 14,165 17,927 25,926 16,167 10,018 10,223 9,913 9,681 16,752
39,541 48,360 63,072 86,041 108,875 94,036 76,110 73,226 65,593 57,863 55,831 50,985
Total Assets 43,078 55,143 74,385 100,290 126,899 120,103 92,653 83,472 76,079 68,141 65,797 68,065

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-1,362 -8,459 -12,384 -16,307 -20,009 27,426 14,080 7,601 1,448 1,767 34 6,692
-671 -2,092 -4,968 -2,146 510 -7,446 9,726 2,581 1,284 2,583 2,549 -5,320
1,964 10,210 16,080 21,030 18,467 -10,506 -25,672 -10,428 -6,371 -9,118 -2,860 -1,120
Net Cash Flow -69 -341 -1,272 2,577 -1,032 9,474 -1,865 -246 -3,640 -4,768 -278 252

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 29% 33% 27% 25% 23% 23% 13% 7% 4% 5% 6% 5%

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
9.59% 9.60% 9.60% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
25.06% 24.04% 21.73% 18.31% 18.53% 22.37% 23.41% 19.33% 19.13% 19.77% 19.53% 24.69%
9.81% 11.09% 13.10% 13.04% 16.12% 16.08% 8.53% 7.15% 6.62% 6.31% 6.71% 5.92%
50.66% 50.41% 50.70% 63.78% 60.47% 59.81% 66.34% 71.79% 72.54% 72.22% 72.05% 67.49%
4.88% 4.88% 4.88% 4.88% 4.88% 1.75% 1.71% 1.71% 1.70% 1.69% 1.69% 1.91%
No. of Shareholders 5,77,5315,51,6915,10,5215,22,0334,99,9574,54,3034,50,1414,93,2884,87,8494,74,5924,59,9274,49,373

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Right Issue

Credit ratings

Concalls