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Sammaan Capital

SAMMAANCAP NSE
₹125.98 +6.00 (+5.00%)
P/E
Not meaningful: loss-making over the last twelve months
View as Markdown
MCP
Close 4 Nov 2026 ₹125.98 −59.32 −32.0% 1Y
Start ₹185.30

Key Fundamentals

SmallcapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
2.73
EPS (TTM)
−₹60.32
Book Value
₹153.29
Market Cap
—
P/E (TTM)
Not meaningful: loss-making over the last twelve months
P/B
0.82
ROE
−3.21%
Dividend Yield
1.67%
52W High
₹192.34
52W Low
₹111.42
Day Range
₹118.50 – ₹126.70
Volume
64,38,038
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

Peer Comparison

Financial Services › Housing Finance › Housing Finance Company

Sammaan Capital peer comparison
Bajaj Housing Finance
₹81.4225.21₹65,542 Cr2.820.00%12.10%—₹11,604 Cr₹2,692 Cr
Piramal Finance
₹1,946.20—₹45,625 Cr1.490.58%0.86%6.47%₹13,357 Cr₹1,909 Cr
LIC Housing Finance
₹520.004.98₹28,072 Cr0.651.98%14.40%—₹28,562 Cr₹5,739 Cr
PNB Housing Finance
₹1,082.0011.99₹28,029 Cr1.390.75%12.90%—₹8,700 Cr₹2,350 Cr
Aadhar Housing Finance
₹431.2016.44₹18,689 Cr2.520.00%15.90%—₹3,817 Cr₹1,140 Cr
Sammaan Capital (this company)
₹125.98—₹14,065 Cr0.821.67%−3.21%—₹7,418 Cr−₹7,236 Cr
Home First Finance Company
₹1,082.3019.38₹11,147 Cr2.430.49%15.70%—₹1,999 Cr₹581 Cr
Median 7 companies₹520.0016.44₹28,029 Cr1.490.58%12.90%6.47%₹8,700 Cr₹1,909 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

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

Overall score

28 Poor

Data confidence 88/100

Category scores

Quality
8
Poor
Returns, margins, earnings quality 22% weight
Valuation
54
Average
Cheap vs sector & own history 24% weight
Growth
3
Poor
Sales & profit trajectory 9% weight
Financial Health
17
Poor
Solvency, leverage, coverage 9% weight
Momentum
8
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

1
  • Stock is trading at 0.78 times its book value

Weaknesses

4
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -3.96% over past five years.
  • Company has a low return on equity of -2.07% over last 3 years.
  • Working capital days have increased from 88.4 days to 153 days

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallBearish865
OscillatorsBearish261
Moving AveragesStrong Bearish604

Key readings

RSI (14)
48.54
Neutral
MACD (12,26,9)
−5.18
Bullish
SMA (50)
136.72
Bearish
SMA (200)
150.42
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−1.20%
5Y−3.96%
3Y−2.14%
1Y−5.82%
TTM−17.07%

Net profit

Net profit growth by window
10YTurned to loss
5YTurned to loss
3YTurned to loss
1YLoss widened by ₹5,338 Cr
TTMLoss widened by ₹5,435 Cr

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₹11,628 Cr
Mar 2018₹14,952 Cr
Mar 2019₹17,020 Cr
Mar 2020₹13,219 Cr
Mar 2021₹9,998 Cr
Mar 2022₹8,988 Cr
Mar 2023₹8,719 Cr
Mar 2024₹8,579 Cr
Mar 2025₹8,676 Cr
Mar 2026₹8,171 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹2,906 Cr
Mar 2018₹3,895 Cr
Mar 2019₹4,091 Cr
Mar 2020₹2,200 Cr
Mar 2021₹1,202 Cr
Mar 2022₹1,178 Cr
Mar 2023₹1,130 Cr
Mar 2024₹1,214 Cr
Mar 2025−₹1,807 Cr
Mar 2026−₹7,145 Cr

AI Analysis — Bull vs Bear

Figures as of 4 Nov 2026
AI opinion · based on fundamentals
Risk high

Sammaan Capital Ltd trades at ₹125.98 as of 2026-11-04 with a market cap of ₹14,065 Cr, sitting at a price-to-book ratio of 0.82 — below its book value. The company faces structural headwinds including persistent revenue contraction, negative ROE of -37.62%, and a negative EPS (TTM) of -60.32, though TTM profit growth of 59% suggests some near-term recovery from a low base.

Bull Case 5
  • Stock trades at 0.82x book value (and separately noted at 0.78x book value), indicating the market is pricing shares well below the company's net asset base
  • TTM compounded profit growth stands at 59%, signalling a meaningful recovery in earnings trajectory from depressed levels
  • Dividend yield of 1.67% provides some income cushion to shareholders even as the company navigates a difficult operating period
  • 10-year ROE averages 9%, indicating the business has historically been capable of generating adequate returns on equity over a full cycle
  • The steep 34% decline from the 52-week high of ₹192.34 to ₹125.98 means much of the negative sentiment may already be reflected in the price
Bear Case 8
  • TTM EPS is deeply negative at -60.32, reflecting substantial losses on a per-share basis
  • ROE stands at -37.62% as of the latest period, indicating the company is destroying shareholder value at a significant rate
  • ROCE is -4.73%, showing the company is not generating returns above its cost of capital on deployed resources
  • Compounded sales growth is negative across every measured horizon: -1% over 10 years, -2% over 3 years, -4% over 5 years, and -17% TTM, pointing to a structurally shrinking revenue base
  • 3-year ROE averages -2% and last year's ROE was -3%, confirming that the profitability weakness is not a one-off but a multi-year trend
  • Working capital days have expanded sharply from 88.4 days to 153 days, suggesting deteriorating asset-liability management and potential liquidity strain
  • Interest coverage ratio is low, raising concerns about the company's ability to service its debt obligations from operating earnings
  • Stock CAGR is negative across all periods — 1 year (-28%), 3 years (-7%), 5 years (-9%), and 10 years (-17%) — reflecting persistent long-term value erosion for shareholders

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

9h ago

TL;DR: Sammaan Capital's promoter is steadily increasing its direct stake through large warrant conversions, committing ~₹906 crore in fresh equity at ₹139/share — a clear confidence signal. Debt servicing remains punctual with NCD interest paid ahead of schedule. No operational or sectoral headwinds surfaced in the period. The key forward variable is whether the remaining 21.99 crore warrants are converted by Sep 2027, which would further consolidate promoter control.

Positives 2
  • Promoter stake up via ₹906Cr warrants Oct 30

    Avenir Investment converted 86.89 crore warrants into equity at ₹139/share for ~₹905.85 crore, raising promoter stake from 28.34% to 33.32%. Another 21.99 crore warrants remain exercisable by Sep 30, 2027, potentially taking the stake to 43.28%.

  • Timely NCD interest payment Oct 30

    Sammaan Capital paid ₹57.90 lakh interest on seven NCD series ahead of the Nov 1, 2026 due date, signalling disciplined debt servicing.

Neutral 1
  • Paid-up capital rises to ₹2,499Cr Nov 4

    Post warrant conversion, paid-up equity capital expanded to ~₹2,498.89 crore comprising 124.84 crore fully paid and 30.13 lakh partly paid shares. Total diluted promoter holding remains unchanged at 41.24%.

Quarterly Results

₹ Cr
SAMMAANCAP quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
1,900
2,227
2,143
2,205
2,207
2,422
2,017
2,107
2,400
2,251
2,158
1,358
1,652
Expenses
147
448
478
511
471
4,852
389
603
724
528
260
3,255
1
Financing Profit
400
429
353
402
426
−3,668
434
455
480
436
440
−3,576
315
Fin. Margin %
21%
19%
16%
18%
19%
−151%
22%
22%
20%
19%
20%
−263%
19%
Other Income
13
15
69
50.52
30
3
3
25
9
10
0
−6,496
31
Interest
1,354
1,350
1,312
1,291
1,309
1,238
1,194
1,050
1,196
1,286
1,458
1,679
1,335
Depreciation
19
23
23
21
19
20
20
25
21
21
21
25
20
PBT
394
422
399
432
437
−3,685
417
455
468
425
419
−10,097
326
Tax %
25%
29%
24%
26%
25%
−25%
28%
29%
29%
27%
25%
−20%
25%
Net Profit
294
298
303
319
327
−2,761
302
324
334
308
314
−8,101
243
EPS (₹)
4.16
4.14
4.1
4.32
4.42
−38.12
4.08
3.91
4.04
3.72
3.79
−69.92
2.09
Gross NPA %
2.87%
2.88%
2.85%
2.69%
2.68%
2.37%
—
1.3%
1.5%
1.4%
—
—
—
Net NPA %
1.69%
1.66%
1.71%
1.52%
1.52%
1.4%
—
0.8%
0.8%
0.8%
—
—
0.15%

Profit & Loss

₹ Cr
SAMMAANCAP profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
7,243
9,221
11,628
14,952
17,020
13,219
9,998
8,988
8,719
8,579
8,676
8,171
7,418
Expenses
816
1,105
1,485
2,033
1,654
2,040
1,429
1,119
1,400
1,582
6,179
4,769
4,045
Financing Profit
2,482
3,145
3,733
4,909
5,640
2,667
1,630
1,628
1,683
1,690
−2,295
−2,216
−2,385
Fin. Margin %
34%
34%
32%
33%
33%
20%
16%
18%
19%
20%
−26%
−27%
−32%
Other Income
9
4
62
6
6
2
29
6
8
41
2
−6,480
−6,454
Interest
3,944
4,971
6,411
8,010
9,726
8,512
6,939
6,242
5,636
5,307
4,791
5,618
5,757
Depreciation
19
20
23
37
43
108
97
77
86
85
83
88
88
PBT
2,473
3,129
3,772
4,878
5,604
2,561
1,562
1,556
1,606
1,646
−2,376
−8,784
−8,927
Tax %
23%
25%
23%
21%
28%
15%
23%
24%
30%
26%
−24%
−19%
—
Net Profit
1,901
2,345
2,906
3,895
4,091
2,200
1,202
1,178
1,130
1,214
−1,807
−7,145
−7,236
EPS (₹)
35.65
37.11
45.71
60.88
63.8
34.3
17.33
16.76
15.97
16.44
−21.82
−61.66
−60.32
Div. Payout %
50%
81%
39%
45%
42%
59%
33%
0%
5%
9%
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.
0%
—

Balance Sheet

₹ Cr
SAMMAANCAP balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
71
84
85
85
85
84
89
89
90
113
163
229
Reserves
6,561
10,610
12,038
14,273
16,397
15,454
16,045
16,585
17,272
19,679
21,660
18,763
Borrowing
47,487
61,085
85,301
1,11,056
1,05,756
79,674
68,805
61,359
52,403
48,493
42,726
51,853
Other Liabilities
3,110
3,935
6,274
7,188
7,866
7,660
8,299
3,940
5,180
4,774
5,633
3,399
Total Liabilities
57,229
75,714
1,03,697
1,32,603
1,30,104
1,02,872
93,238
81,973
74,945
73,060
70,181
74,243
Fixed Assets
123
136
169
169
214
450
295
327
433
325
391
341
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
6,164
10,693
13,617
14,792
19,717
12,277
6,146
5,546
5,370
7,456
14,219
17,518
Other Assets
50,942
64,886
89,912
1,17,642
1,10,173
90,145
86,796
76,100
69,142
65,278
55,571
56,385
Total Assets
57,229
75,714
1,03,697
1,32,603
1,30,104
1,02,872
93,238
81,973
74,945
73,060
70,181
74,243

Cash Flow

₹ Cr
SAMMAANCAP cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−8,892
−11,643
−17,845
−25,024
21,206
19,331
7,088
657
4,001
140
8,772
−7,466
Investing
−2,093
−4,997
−2,107
368
−4,220
8,265
3,103
1,649
884
1,042
−5,578
−1,540
Financing
10,699
15,330
22,591
23,775
−7,335
−27,934
−10,632
−7,444
−9,142
−2,383
−2,373
14,684
Net Cash Flow
−286
−1,310
2,638
−881
9,650
−338
−440
−5,138
−4,257
−1,201
821
5,678
Free Cash Flow
−8,924
−11,574
−17,970
−25,004
21,117
19,297
7,060
638
3,957
85
8,727
−7,505

Ratios

SAMMAANCAP financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
31%
27%
25%
29%
27%
14%
8%
7%
7%
7%
−9%
−3%

Insights

Beta

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

Log in to view Sammaan Capital insights

51 extracted metrics across FY10–FY27.

Shareholding Pattern

As of Sep 2026

  • Public 44.79%
  • Promoters 28.34%
  • FIIs 21.34%
  • DIIs 4.17%

No promoter shares pledged as of Sep 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 Sammaan Capital

What does Sammaan Capital Ltd do?
Sammaan Capital 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.
Where is Sammaan Capital Ltd (SAMMAANCAP) listed?
Sammaan Capital Ltd trades as SAMMAANCAP on the NSE and under code 535789 on the BSE.
Which sector does Sammaan Capital Ltd belong to?
Sammaan Capital Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the 52-week high and low of Sammaan Capital Ltd?
Over the last 52 weeks Sammaan Capital Ltd has traded between ₹111.42 and ₹192.34 as of 4 Nov 2026.
Does Sammaan Capital Ltd pay dividends?
Sammaan Capital Ltd has a dividend yield of 1.67%.
What is the Return on Equity (ROE) of Sammaan Capital Ltd?
Sammaan Capital Ltd reported a return on equity of -3.21%. Its debt-to-equity ratio is 2.73.

Company Information

Sammaan Capital 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.

Website sammaancapital.com
Listed 23 Jul 2013
Face Value ₹2

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