Is Sammaan Capital a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Sammaan Capital Ltd is a average quality company .

Is Sammaan Capital undervalued or overvalued?

The key valuation ratios of Sammaan Capital Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone .

What is Sammaan Capital share price return in the past 10 years?

Sammaan Capital Ltd share price has declined -7.4% annually (CAGR) over the past ten years.

Is Sammaan Capital a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Sammaan Capital Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

Sammaan Capital Ltd - Stock Valuation and Financial Performance

Name: Sammaan Capital
Brand: Sammaan Capital

BSE: 535789 | NSE: SAMMAANCAP | Finance - Housing | Small Cap

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Sammaan Capital Share Price

₹163.40 5.25 3.32%
as on 20-Sep'24 16:01

10 Year X-Ray of Sammaan Capital:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Operating Income (₹ Cr.)	6,292	8,007	10,125	13,759	15,408	11,399	8,655	7,765	7,478	7,380	7,516
YoY Gr. Rt. %	-	27.3%	26.5%	35.9%	12%	-26%	-24.1%	-10.3%	-3.7%	-1.3%	-
Adj EPS (₹ )	49.6	48.6	59.8	66.6	77.8	45.1	20.4	13.3	15.5	17.2	13.5
YoY Gr. Rt. %	-	-2.1%	23.1%	11.4%	16.8%	-42.1%	-54.7%	-35.1%	16.9%	11.2%	-
BVPS (₹ )	162.8	222.3	249.7	323.3	356.8	307.5	296	294.7	300	311.7	244.6
YoY Gr. Rt. %	-	36.6%	12.3%	29.5%	10.4%	-13.8%	-3.8%	-0.4%	1.8%	3.9%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	4	3.5	3.2	2.8	3	2	1.2	0.9	1.1	1.5	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	1.8%	-13.7%	-5.2%	-1.3%
Adj EPS	-11.1%	-26%	-5.5%	11.2%
BVPS	7.5%	-2.7%	1.7%	3.9%
Share Price	-7.4%	-15.6%	-4.2%	-3.2%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	18.4	20.5	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	31.4	28.7	28.1	23.2	24.2	19	12.2	9	11	13.4	13.4
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	33.1	27	25.4	23.3	22.9	13.6	7	4.5	5.2	5.9	5.5

Recent Performance Summary

Total income growth is not so good in last 4 quarters

Return on Equity has declined versus last 3 years average to 4.90%

Total Income has declined 1.21 CAGR in last 3 years

Net Profit has declined -5.52 CAGR in last 3 years

Latest Financials - Sammaan Capital Ltd.

	Standalone	Consolidated
TTM EPS (₹)	13.5	16.7
TTM Sales (₹ Cr.)	7,516	8,781
BVPS (₹.) ⓘ	244.6	268.7
Reserves (₹ Cr.) ⓘ	18,063	19,863
P/BV ⓘ	0.67	0.61
PE ⓘ	12.10	9.76

From the Market
52 Week Low / High (₹)	131.10 / 209.56
All Time Low / High (₹)	72.47 / 1283.86
Market Cap (₹ Cr.)	12,169
Equity (₹ Cr.)	148.9
Face Value (₹)	2
Industry PE ⓘ	23.3

Management X-Ray of Sammaan Capital:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Sammaan Capital

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of Sammaan Capital

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	7,199	8,916	11,399	13,831	15,576	12,025	8,753	7,848	7,584	7,609
Interest Income	6,292	8,007	10,125	13,759	15,408	11,399	8,655	7,765	7,478	7,380
Other Income ⓘ	907	909	1,274	72	167	626	98	83	106	229
Expenditure ⓘ	4,666	5,863	7,719	9,903	10,428	9,478	7,361	6,892	6,478	6,315
Interest Expense ⓘ	3,844	4,842	6,315	7,711	9,057	7,710	6,308	5,865	5,131	4,833
Operating Expenses ⓘ	444	598	685	802	951	795	425	616	716	805
Provisions	378	423	719	1,389	420	974	628	412	631	677
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	2,533	3,053	3,681	3,929	5,148	2,547	1,392	956	1,106	1,294
Taxes ⓘ	555	759	838	743	1,418	387	334	260	287	304
Profit After Tax	1,978	2,294	2,842	3,185	3,729	2,160	1,058	696	819	990
Adjusted EPS (₹)	49.6	48.6	59.8	66.6	77.8	45.1	20.4	13.3	15.5	17.2
Dividend Payout Ratio (%)	47%	83%	40%	55%	46%	61%	39%	0%	7%	12%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Equity Capital	6,492	10,504	11,869	15,555	17,259	14,930	15,522	15,652	16,029	18,056
Share Capital ⓘ	71	84	85	85	85	86	92	94	94	115
Reserves ⓘ	6,421	10,420	11,784	15,470	17,173	14,844	15,430	15,559	15,935	17,941
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	29,734	37,090	54,036	85,864	83,505	63,407	52,710	44,149	34,535	27,824
Current Liabilities	20,110	28,751	37,020	25,480	19,339	13,966	14,645	15,741	17,151	19,690
Trade Payables	3	9	6	29	27	12	1	1	3	3
Short term borrowings	10,491	13,661	16,583	19,291	13,821	10,174	10,821	12,880	13,174	15,762
Other Liabilities	-10,495	-13,670	-16,589	-19,320	-13,848	-10,185	-10,822	-12,881	-13,177	-15,765
Total Liabilities ⓘ	56,337	76,346	1,02,925	1,26,899	1,20,103	92,303	82,877	75,543	67,715	65,570
Assets
Non Current Asset	40,535	55,268	75,128	1,09,081	85,813	68,882	62,199	62,210	58,131	54,602
Loan Asset	38,486	52,024	70,747	1,02,044	76,637	58,505	53,109	50,757	47,659	44,884
Other Non Current Asset ⓘ	2,049	3,244	4,381	7,037	9,175	10,377	9,090	11,453	10,472	9,718
Current Asset	15,802	21,078	27,797	17,818	34,290	23,421	20,678	13,333	9,585	10,968
Current Investment	5,982	9,791	12,635	11,721	17,765	7,900	2,527	809	2,069	1,709
Other Current Asset	9,820	11,286	15,162	6,097	16,525	15,521	18,151	12,524	7,516	9,259
Total Assets ⓘ	56,337	76,346	1,02,925	1,26,899	1,20,103	92,303	82,877	75,543	67,715	65,570

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	-8,459	-12,384	-16,307	-20,009	27,426	14,080	7,601	1,448	1,767	34
Cash Flow From Investing Activity ⓘ	-2,092	-4,968	-2,146	510	-7,446	9,726	2,581	1,284	2,583	2,549
Cash Flow From Financing Activity ⓘ	10,210	16,080	21,030	18,467	-10,506	-25,672	-10,428	-6,371	-9,118	-2,860
Net Cash Flow ⓘ	-341	-1,272	2,577	-1,032	9,474	-1,865	-246	-3,640	-4,768	-278

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	56	54	67	75	87	51	23	15	17	17
DPS (₹)	26	45	27	41	40	31	9	0	1	2
BVPS (₹)	183	249	280	362	400	345	332	330	336	312
Performance Ratios
ROA (%)	4.0	3.5	3.2	2.8	3.0	2.0	1.2	0.9	1.1	1.5
ROE (%)	33.1	27.0	25.4	23.3	22.9	13.6	7.0	4.5	5.2	5.9
ROCE (%)	13.9	12.9	12.1	10.9	12.2	10.2	9.3	9.0	9.2	9.8
Valuation Parameters
Price/Book(x)	3.1	2.6	3.6	3.4	2.1	0.3	0.6	0.5	0.3	0.5

Sammaan Capital Ltd Stock News

Sammaan Capital Ltd FAQs

What is the share price of Sammaan Capital?

Company share prices are keep on changing according to the market conditions. The closing price of Sammaan Capital on 20-Sep-2024 16:01 is ₹163.4.

What is the market cap of Sammaan Capital?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 20-Sep-2024 16:01 the market cap of Sammaan Capital stood at ₹12,168.7.

What is the P/E ratio of Sammaan Capital?

The latest P/E ratio of Sammaan Capital as of 20-Sep-2024 16:01 is 12.10.

What is the P/B ratio of Sammaan Capital?

The latest P/B ratio of Sammaan Capital as of 20-Sep-2024 16:01 is 0.67.

What is the 52-week high and low of Sammaan Capital?

The 52-week high of Sammaan Capital is ₹209.6 and the 52-week low is ₹131.1.

What is the TTM revenue of Sammaan Capital?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Sammaan Capital is ₹7,516 ( Cr.) .

About Sammaan Capital Ltd

Indiabulls Housing Finance Ltd. (IBHFL) is one of largest housing finance company in the country. Customer delight is and has always been a priority for company. its competency to deliver to its customers quick solution and seamless experiences lies in the expertise of its employees operating out of its national wide network of branches, its external channel partners and ahead-of-its-me digital platform that offer customized solutions and round-the-clock service to its customers.

Business area of the economy

The Company is primarily engaged in the business to provide finance. It also undertakes lending and finance to any person or persons, co-operative society, association of persons, body of individuals, companies, institutions, firms, builders, developers, contractors, tenants and others either at interest or without and/or with or without any security for construction, erection, building, repair, remodeling, development, improvement, purchase of houses, apartments, flats, bungalows, rooms, huts, townships and/or other buildings and real estate. Its offerings include home loans for resident Indians, home loans for non-resident Indians (NRIs), loan against property and home loan balance transfer. The Company also offers home renovation loan, rural home loans and home extension loans.

Company’s offerings

Home Loan
Home Loan Balance Transfer
MSMSE Loans & LAP
Home Loans for NRI's
Home Renovation Loan
Home Extension Loans
Rural Home Loans
Pradhan Mantri Awas Yojana
ECLGS

Awards and Accolades

2011

Award for ‘The Best Stall’.
Award for ‘The Best Customer Service’.
‘People’s Choice Award for Most Preferred Brand in Housing Finance’.
Award for ‘Excellence in Home Loan Banking’.

2012

Award for ‘Best Employer Brand’.

2013

Award for ‘Best Housing Finance Company of the Year’.
Award for ‘Housing Finance Company of the Year’.

2014

Award for ‘Fastest Growing Housing Finance Company of the Year 2013-14’.

2015

Award for ‘Best Housing Finance Company’.
Award for ‘Best Affordable Housing Finance Company of the Year’.

2016

SKOCH Smart Technologies Sustainable Growth - Silver Award (e-Home Loans).
Certificate of Excellence at the BFSI Tech Maestro Awards 2016.
Housing Finance Company of the Year at the Navabharat Realty Business Achievers Awards 2016.
‘BFSI Digital Innovators Award (Customer Experience)’.
‘Most Promising Brand for Housing Finance of the Year.
Award for ‘Best Housing Finance Company in Punjab’.
Award for ‘Excellence in Home Loan Banking’.

2017

Award for ‘Gold Level - Arogya World Healthy Workplace’.
Award for 'Excellence in Cost Management'.
SKOCH Order-of-Merit Award (Housing Finance).
Award for ‘Most Innovative Citizen Engagement Through Technology’.
Award for ‘Best use of Digital Media - 100% Dad Campaign’.
Certificate for ‘Risk Management’ at the ‘Golden Peacock Awards’.
Award for ‘Excellence in Home Loan Banking’.

2018

Best Social Media Brand in the BFSI sector (Financial Services).
Awards for Annual Report, Brand Film and Table Calendar 2017-18.

2019

Ranked 20th among India’s Best Companies to Work For 2019.
India’s Best Workplaces in BFSI-2019.
India’s Best Workplaces in NBFC- 2019.

Milestones

2013

IBFSL revenue merged into IBHFL.

2015

Rating upgraded to AAA.
Gross disbursement cross Rs 1,00,000 crore.

2016

Raised Rs. 4,000 crore through QIP.

2017

Included in NIFTY50 Index.
Balance sheet crosses Rs. 1.04 trillion.

2020

Indiabulls Housing Finance has launched its QIP (qualified institutional placement) and set the floor price at Rs 206.70 per equity share for the issue.
Indiabulls Housing Finance has sold a portion of its stake in OakNorth Holding -- the wholly owning parent company of OakNorth Bank to HighSage Ventures LLC for Rs 440 crore.