Sammaan Capital Ltd

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

Sammaan Capital Ltd

₹ 120 -2.21%
21 May 12:16 p.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 ₹ 9,899 Cr.
  • Current Price ₹ 120
  • High / Low ₹ 184 / 97.6
  • Stock P/E
  • Book Value ₹ 263
  • Dividend Yield 1.65 %
  • ROCE 3.64 %
  • ROE -8.69 %
  • Face Value ₹ 2.00
Edit ratios

Pros

  • Stock is trading at 0.46 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -8.19% over past five years.
  • Company has a low return on equity of 0.95% 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

Consolidated Figures in Rs. Crores / View Standalone

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
2,189 2,075 2,230 2,339 2,075 1,900 2,227 2,143 2,205 2,207 2,422 2,017 2,107
Interest 1,543 1,495 1,410 1,389 1,342 1,354 1,350 1,312 1,291 1,309 1,238 1,194 1,050
256 179 406 522 293 147 448 478 511 471 4,852 389 603
Financing Profit 390 401 414 427 440 400 429 353 402 426 -3,668 434 455
Financing Margin % 18% 19% 19% 18% 21% 21% 19% 16% 18% 19% -151% 22% 22%
2 3 2 1 4 13 15 69 50 30 3 3 25
Depreciation 20 18 23 23 22 19 23 23 21 19 20 20 25
Profit before tax 372 386 393 405 422 394 422 399 431 437 -3,685 417 455
Tax % 18% 26% 26% 28% 38% 25% 29% 24% 26% 25% -25% 28% 29%
307 287 289 291 263 294 298 303 319 327 -2,761 302 324
EPS in Rs 4.36 4.05 4.09 4.11 3.71 4.16 4.14 4.10 4.32 6.59 -38.12 4.08 3.91
Gross NPA % 3.21% 2.96% 2.94% 3.30% 2.86% 2.87% 2.88% 2.85% 2.69% 2.68% 2.37% 1.14% 1.30%
Net NPA % 1.89% 1.71% 1.70% 2.18% 1.90% 1.69% 1.66% 1.71% 1.52% 1.52% 1.40% 0.66% 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
5,890 7,243 9,221 11,628 14,952 17,020 13,219 9,998 8,988 8,719 8,579 8,623
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
632 816 1,105 1,485 2,033 1,654 2,040 1,429 1,119 1,400 1,582 6,184
Financing Profit 1,976 2,482 3,145 3,733 4,909 5,640 2,667 1,630 1,628 1,683 1,690 -2,352
Financing Margin % 34% 34% 34% 32% 33% 33% 20% 16% 18% 19% 20% -27%
14 9 4 62 6 6 2 29 6 8 41 60
Depreciation 8 19 20 23 37 43 108 97 77 86 85 83
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
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
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
Dividend Payout % 62% 50% 81% 39% 45% 42% 59% 33% 0% 5% 9% 0%
Compounded Sales Growth
10 Years: 2%
5 Years: -8%
3 Years: -1%
TTM: 1%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -248%
Stock Price CAGR
10 Years: -14%
5 Years: 3%
3 Years: 4%
1 Year: -25%
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
Equity Capital 67 71 84 85 85 85 84 89 89 90 113 163
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
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
3,172 3,110 3,935 6,274 7,188 7,866 7,660 8,299 3,940 5,180 4,774 5,633
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
115 123 136 169 169 214 450 295 327 433 325 391
CWIP 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
41,354 50,942 64,886 89,912 117,642 110,173 90,145 86,796 76,100 69,142 65,542 55,571
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

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%

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