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Sangam Finserv

538714 BSE
₹30.08

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P/E
18.45
View as Markdown
MCP
Close 4 Nov 2026 ₹30.08 −2.82 −8.57% 1Y
Start ₹32.90

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures at the close · EPS basis: Standalone · TTM

Debt to Equity
0.40
EPS (TTM)
₹1.63
Book Value
₹29.26
Market Cap
—
P/E (TTM)
18.45
P/B
1.03
ROE
2.42%
Dividend Yield
0.00%
52W High
₹50.00
52W Low
₹25.55
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

57 Good

Data confidence 94/100

Category scores

Quality
78
Strong
Returns, margins, earnings quality 22% weight
Valuation
57
Good
Cheap vs sector & own history 24% weight
Growth
55
Average
Sales & profit trajectory 9% weight
Financial Health
58
Good
Solvency, leverage, coverage 9% weight
Momentum
17
Poor
Trend strength, vol-adjusted 12% weight
Ownership
50
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Stock is trading at 1.12 times its book value
  • Company is expected to give good quarter

Weaknesses

3
  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of -6.49% over past five years.
  • Company has a low return on equity of 4.58% over last 3 years.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1171
OscillatorsNeutral171
Moving AveragesStrong Bearish1000

Key readings

RSI (14)
41.91
Neutral
MACD (12,26,9)
−1.03
Bullish
SMA (50)
35.48
Bearish
SMA (200)
38.72
Bearish

As of

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+22.77%
5Y−6.49%
3Y−1.79%
1Y−8.11%
TTM+16.45%

Net profit

Net profit growth by window
10Y+26.53%
5Y−11.28%
3Y−20.30%
1Y−50.61%
TTM−12.24%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹12.70 Cr
Mar 2018₹24.34 Cr
Mar 2019₹33.07 Cr
Mar 2020₹21.61 Cr
Mar 2021₹21.86 Cr
Mar 2022₹15.28 Cr
Mar 2023₹16.50 Cr
Mar 2024₹18.58 Cr
Mar 2025₹17.01 Cr
Mar 2026₹15.63 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹4.37 Cr
Mar 2018₹7.36 Cr
Mar 2019₹9.33 Cr
Mar 2020₹9.06 Cr
Mar 2021₹5.93 Cr
Mar 2022₹7.55 Cr
Mar 2023₹6.44 Cr
Mar 2024₹7.90 Cr
Mar 2025₹6.60 Cr
Mar 2026₹3.26 Cr

Quarterly Results

₹ Cr
538714 quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
4.08
5.03
4.76
4.7
4.55
4.62
6.94
0.91
7.35
4.76
4.41
−1.03
14.94
Expenses
0.79
0.65
0.83
1.95
0.86
0.73
1.65
2.01
1.13
2.1
1.76
2.2
1.61
Financing Profit
2.58
3.5
2.95
1.8
2.96
3.29
4.75
−1.62
5.51
2.01
2.01
−4.55
12.13
Fin. Margin %
63.24%
69.58%
61.97%
38.3%
65.05%
71.21%
68.44%
−178.02%
74.97%
42.23%
45.58%
Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number.
81.19%
Other Income
0
0
0
0
0
0
0
0
0.01
0.05
0.02
0.05
0
Interest
0.71
0.88
0.98
0.95
0.73
0.6
0.54
0.52
0.71
0.65
0.64
1.32
1.2
Depreciation
0.06
0.06
0.06
0.06
0.04
0.04
0.04
0.05
0.03
0.04
0.04
0.04
0.02
PBT
2.52
3.44
2.89
1.74
2.92
3.25
4.71
−1.67
5.49
2.02
1.99
−4.54
12.11
Tax %
27.38%
23.55%
24.91%
27.01%
24.66%
23.38%
22.93%
2.4%
22.22%
6.93%
35.68%
20.7%
18.25%
Net Profit
1.83
2.63
2.16
1.28
2.19
2.49
3.62
−1.71
4.26
1.89
1.29
−5.48
9.9
EPS (₹)
0.39
0.56
0.46
0.27
0.47
0.53
0.78
−0.37
0.91
0.41
0.28
−1.18
2.12

Profit & Loss

₹ Cr
538714 profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
0.34
2.01
12.7
24.34
33.07
21.61
21.86
15.28
16.5
18.58
17.01
15.63
23.08
Expenses
0.21
0.2
0.81
0.97
0.86
0.65
1.31
1.04
3.06
4.23
5.24
7.21
7.67
Financing Profit
0.04
0.49
6.57
10.53
13.33
12.23
11.09
10.34
9.45
10.83
9.38
5.1
11.6
Fin. Margin %
11.76%
24.38%
51.73%
43.26%
40.31%
56.59%
50.73%
67.67%
57.27%
58.29%
55.14%
32.63%
50.26%
Other Income
0
0
0
0
0
0
0.01
0
0
0
0
0
0.12
Interest
0.09
1.32
5.32
12.84
18.88
8.73
9.46
3.9
3.99
3.52
2.39
3.32
3.81
Depreciation
0
0
0
0
0
0
0
0.1
0.25
0.24
0.17
0.14
0.14
PBT
0.04
0.49
6.57
10.53
13.33
12.23
11.1
10.24
9.2
10.59
9.21
4.96
11.58
Tax %
50%
36.73%
33.49%
30.1%
30.01%
25.84%
46.58%
26.27%
30%
25.4%
28.23%
34.27%
—
Net Profit
0.02
0.31
4.37
7.36
9.33
9.06
5.93
7.55
6.44
7.9
6.6
3.26
7.6
EPS (₹)
0
0.07
0.94
1.58
2
1.94
1.27
1.62
1.38
1.7
1.42
0.7
1.63
Div. Payout %
0%
0%
21.33%
15.2%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
538714 balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
9.32
9.32
9.32
9.32
9.32
9.32
9.32
9.32
9.32
9.32
46.61
46.61
Reserves
61.39
61.7
66.07
72.31
80.5
89.86
95.78
103
110
118
86.59
89.79
Borrowing
6.09
32.86
106
244
340
66.74
69.3
44.07
33.36
26.63
26.76
53.98
Other Liabilities
0.09
0.25
1.49
2.25
2.7
1.9
3.86
2.06
1.5
1.61
1.63
1.04
Total Liabilities
76.89
104
182
328
433
168
178
159
154
155
162
191
Fixed Assets
0
0
0
0
0
0
0
0.73
0.71
0.51
0.36
0.39
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
67.95
41.15
20.5
20.5
20.03
0.27
0.27
0.26
9.72
13.31
36.37
77.14
Other Assets
8.94
62.98
162
307
413
168
178
158
144
142
125
114
Total Assets
76.89
104
182
328
433
168
178
159
154
155
162
191

Cash Flow

₹ Cr
538714 cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−6.09
−53.44
−85.69
−136
−95.97
254
−1.47
24.96
20.63
10.35
28.81
15.29
Investing
0
26.8
20.65
0
0
20.05
0
−0.83
−9.63
−3.71
−24.35
−42.53
Financing
6.01
26.77
64.83
137
95.17
−274
2.56
−25.24
−10.71
−6.73
0.13
27.22
Net Cash Flow
−0.08
0.13
−0.21
0.81
−0.8
0
1.09
−1.11
0.3
−0.09
4.6
−0.02
Free Cash Flow
−6.09
−53.44
−85.69
−136
−95.97
254
−1.47
24.13
20.4
10.31
28.79
15.12
CFO/OP
−4,669
−2,941
−706
−571
−285
1,228
6
208
183
87
272
209

Ratios

538714 financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
0.03%
0.44%
5.97%
9.37%
10.88%
9.59%
5.81%
6.93%
5.55%
6.41%
5.07%
2.42%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Sangam Finserv insights

44 extracted metrics across FY03–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 63.08%
  • Others 21.01%
  • Public 15.91%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about Sangam Finserv

What does Sangam Finserv Ltd do?
Sangam Finserv Ltd (formerly Suchitra Finance & Trading Co. Ltd) is an RBI- registered, non-deposit-taking NBFC- Base Layer engaged in corporate/ business lending and investments in equities, mutual funds, AIFs and debt instruments. It is promoted by Marigold Investrade Pvt. Ltd.
Where is Sangam Finserv Ltd (SANGAMFIN) listed?
Sangam Finserv Ltd trades under code 538714 on the BSE.
Which sector does Sangam Finserv Ltd belong to?
Sangam Finserv Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of Sangam Finserv Ltd?
Sangam Finserv Ltd trades at a PE ratio of 18.45 as of 4 Nov 2026, on earnings per share of ₹1.63, against a book value of ₹29.26 per share.
What is the 52-week high and low of Sangam Finserv Ltd?
Over the last 52 weeks Sangam Finserv Ltd has traded between ₹25.55 and ₹50 as of 4 Nov 2026.
What is the Return on Equity (ROE) of Sangam Finserv Ltd?
Sangam Finserv Ltd reported a return on equity of 2.42%. Its debt-to-equity ratio is 0.40.

Company Information

Sangam Finserv Ltd (formerly Suchitra Finance & Trading Co. Ltd) is an RBI- registered, non-deposit-taking NBFC- Base Layer engaged in corporate/ business lending and investments in equities, mutual funds, AIFs and debt instruments. It is promoted by Marigold Investrade Pvt. Ltd.

Website sftc.co.in
Face Value ₹10

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