Sammaan Capital Ltd

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

Sammaan Capital Ltd

₹ 140 1.56%
17 Mar 11:39 a.m.
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 ₹ 11,618 Cr.
  • Current Price ₹ 140
  • High / Low ₹ 193 / 97.6
  • Stock P/E 9.06
  • Book Value ₹ 270
  • Dividend Yield 0.00 %
  • ROCE 3.65 %
  • ROE -8.66 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.51 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -8.08% over past five years.
  • Company has a low return on equity of 0.96% 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

Financial Services Financial Services Finance Housing Finance Company

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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
2,339 2,075 1,900 2,227 2,143 2,205 2,207 2,422 2,017 2,107 2,400 2,251 2,158
Interest 1,389 1,342 1,354 1,350 1,312 1,291 1,309 1,238 1,194 1,050 1,196 1,286 1,458
522 293 147 448 478 511 471 4,852 389 603 724 528 260
Financing Profit 427 440 400 429 353 402 426 -3,668 434 455 480 436 440
Financing Margin % 18% 21% 21% 19% 16% 18% 19% -151% 22% 22% 20% 19% 20%
1 4 13 15 69 50 30 3 3 25 9 10 0
Depreciation 23 22 19 23 23 21 19 20 20 25 21 21 21
Profit before tax 405 422 394 422 399 431 437 -3,685 417 455 468 425 419
Tax % 28% 38% 25% 29% 24% 26% 25% -25% 28% 29% 29% 27% 25%
291 263 294 298 303 319 327 -2,761 302 324 334 308 314
EPS in Rs 4.11 3.71 4.16 4.14 4.10 4.32 4.42 -38.12 4.08 3.91 4.04 3.72 3.79
Gross NPA % 3.30% 2.86% 2.87% 2.88% 2.85% 2.69% 2.68% 2.37% 1.30% 1.50% 1.40%
Net NPA % 2.18% 1.90% 1.69% 1.66% 1.71% 1.52% 1.52% 1.40% 0.80% 0.80% 0.80%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
5,890 7,243 9,221 11,628 14,952 17,020 13,219 9,998 8,988 8,719 8,579 8,676 8,916
Interest 3,282 3,944 4,971 6,411 8,010 9,726 8,512 6,939 6,242 5,636 5,307 4,791 4,990
632 816 1,105 1,485 2,033 1,654 2,040 1,429 1,119 1,400 1,582 6,179 2,115
Financing Profit 1,976 2,482 3,145 3,733 4,909 5,640 2,667 1,630 1,628 1,683 1,690 -2,295 1,811
Financing Margin % 34% 34% 34% 32% 33% 33% 20% 16% 18% 19% 20% -26% 20%
14 9 4 62 6 6 2 29 6 8 41 2 44
Depreciation 8 19 20 23 37 43 108 97 77 86 85 83 88
Profit before tax 1,982 2,473 3,129 3,772 4,878 5,604 2,561 1,562 1,556 1,606 1,646 -2,376 1,767
Tax % 21% 23% 25% 23% 21% 28% 15% 23% 24% 30% 26% -24%
1,569 1,901 2,345 2,906 3,895 4,091 2,200 1,202 1,178 1,130 1,214 -1,807 1,281
EPS in Rs 31.21 35.65 37.11 45.71 60.88 63.80 34.30 17.33 16.76 15.97 16.44 -21.82 15.46
Dividend Payout % 62% 50% 81% 39% 45% 42% 59% 33% 0% 5% 9% -9%
Compounded Sales Growth
10 Years: 2%
5 Years: -8%
3 Years: -1%
TTM: 1%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 171%
Stock Price CAGR
10 Years: -13%
5 Years: -6%
3 Years: 15%
1 Year: 31%
Return on Equity
10 Years: 12%
5 Years: 3%
3 Years: 1%
Last Year: -9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 67 71 84 85 85 85 84 89 89 90 113 163 163
Reserves 5,639 6,561 10,610 12,038 14,273 16,397 15,454 16,045 16,585 17,272 19,679 21,660 22,210
Borrowing 35,540 47,487 61,085 85,301 111,056 105,756 79,674 68,805 61,359 52,403 48,493 42,726 45,539
3,172 3,110 3,935 6,274 7,188 7,866 7,660 8,299 3,940 5,180 4,774 5,633 3,225
Total Liabilities 44,417 57,229 75,714 103,697 132,603 130,104 102,872 93,238 81,973 74,945 73,060 70,181 71,137
115 123 136 169 169 214 450 295 327 433 325 391 363
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 2,947 6,164 10,693 13,617 14,792 19,717 12,277 6,146 5,546 5,370 7,192 14,219 14,762
41,354 50,942 64,886 89,912 117,642 110,173 90,145 86,796 76,100 69,142 65,542 55,571 56,012
Total Assets 44,417 57,229 75,714 103,697 132,603 130,104 102,872 93,238 81,973 74,945 73,060 70,181 71,137

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-2,452 -8,892 -11,643 -17,845 -25,024 21,206 19,331 7,088 657 4,001 -123 8,772
-635 -2,093 -4,997 -2,107 368 -4,220 8,265 3,103 1,649 884 1,590 -5,578
3,090 10,699 15,330 22,591 23,775 -7,335 -27,934 -10,632 -7,444 -9,142 -2,383 -2,373
Net Cash Flow 3 -286 -1,310 2,638 -881 9,650 -338 -440 -5,138 -4,257 -916 821

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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% 31% 27% 25% 29% 27% 14% 8% 7% 7% 7% -9%

Insights

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Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 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

Shareholding Pattern

Numbers in percentages

4 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
18.31% 18.53% 22.37% 23.41% 19.33% 19.13% 19.77% 19.53% 24.69% 24.40% 19.05% 24.94%
13.04% 16.12% 16.08% 8.53% 7.15% 6.62% 6.31% 6.71% 5.92% 5.96% 16.83% 14.31%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.07%
63.78% 60.47% 59.81% 66.34% 71.79% 72.54% 72.22% 72.05% 67.49% 67.72% 62.22% 58.76%
4.88% 4.88% 1.75% 1.71% 1.71% 1.70% 1.69% 1.69% 1.91% 1.91% 1.91% 1.91%
No. of Shareholders 5,22,0334,99,9574,54,3034,50,1414,93,2884,87,8494,74,5924,59,9274,49,3734,39,2444,38,4844,21,644

* 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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