SAMMAANCAPFinancial Services

Sammaan Capital Limited

Housing Finance Company · ISIN INE148I01020 · BSE 535789 · NSE EQ · FV ₹2
Last price
₹142
+0.02%today
What this company does

Sammaan Capital Limited operates in Housing Finance Company, part of the Financial Services sector. It booked ₹1,652 cr of revenue in its latest quarter (Q1 FY27) and kept 14.7% of sales as profit. It is the 5th largest of 9 Housing Finance Company companies we track, by market value.

In the report:
46out of 100
Equitytale Health Score
Mixed

Healthier than 46% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 129–250 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
neutral
RSI (14)
34

At close. Not part of the score.

Profitability & returns28

How much profit it earns on the money it employs

Cash quality54

Whether reported profit actually arrives as cash

Growth & consistency31

Whether sales and profit have grown, and how steadily

Valuation58

What today's price implies, against our models or its peers

Governance & risk86

How much of the promoters' stake is pledged, and how much they hold

Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.

Is this company doing well?
not investment advice
Strengths
Makes a profit
No promoter shares pledged
Watch-outs
! Sales down 31% vs last year
! Profit down 27% vs last year
! Low 5.1% return on equity
! Carries high debt (D/E 1.2)
! Operating cash flow is negative

What if I invest in SAMMAANCAP?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹142 +0.02%
latest close · 2026-09-17
1-year return
-35.1%
52-wk low ₹9152-wk high ₹279
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/E ratio16.7Average
LowAverageHigh
P/B ratio0.86Below book
Below bookModerateHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity5.1%Weak
WeakFairStrong ▸15%
Net margin14.7%Decent
ThinDecentStrong
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity1.21High
LowModerateHigh ▸1
More figures
Market cap
₹16,308 cr
Book value
₹166
EPS
₹2.13
latest quarter
Net debt
Enterprise value
EBITDA
EBIT
Operating margin
Return on assets
1.3%
Earnings yield
5.99%
P/S
2.47
Sales / share
₹57.6
Tax rate
25.4%
Face value
₹2
Shares
114.7 cr
Working capital
Current assets
Current liabilities
Delivery %
48.4%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.

Worth vs price · from the FY 2024 report & filings
not investment advice
Hard to value confidentlyLow confidence
One year's profit is a one-off (far above the multi-year norm), so its recurring earnings power is unclear.
Models span ₹86₹196, midpoint ₹134

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q1 FY27 (consolidated)
Revenue from Operations₹1,652 cr
Other Income₹31 cr
Total Income₹1,683 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹177 cr
Finance Costs₹1,335 cr
Depreciation & Amortisation₹20 cr
Other Expenses₹65 cr
Total Expenses₹1,357 cr
Profit before Tax₹326 cr
Tax Expense₹83 cr
Net Profit₹243 cr
Net margin on total income14.5%
Where the money goes · Q1 FY27
% of total income
Employee benefit expense₹177 cr9.5%
Finance costs₹1,335 cr71.9%
Depreciation & amortisation₹20 cr1.1%
Tax expense₹83 cr4.5%
Profit for the period₹243 cr13.1%
Total income ₹1,683 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ3 FY26Q4 FY26Q1 FY27
Revenue2,158 cr1,358 cr1,652 cr
Total income2,158 cr1,361 cr1,683 cr
Expenses1,739 cr4,959 cr1,357 cr
Profit before tax419 cr-10,097 cr326 cr
Tax105 cr-1,995 cr83 cr
Net profit (owners' share)314 cr-8,101 cr243 cr
Net margin (owners' share, on revenue)14.6%-596.7%14.7%
EPS (₹)3.86-99.102.13
YoY (latest quarter): total income -30.2% · net profit -27.2%
Balance sheet & cash flow · as of Mar 2026
High debt
Total assets
₹74,243 cr
Shareholder equity
₹18,991 cr
parent shareholders
Total debt
₹23,000 cr
Cash
₹9,027 cr
Cash flow · H1 FY26
Operating
₹-2,681 cr
Investing
₹-987 cr
Financing
₹2,807 cr
Peer comparison
Housing Finance Company · by market value
CompanyPriceMarket capP/E
Bajaj Housing Finance Limited₹83₹68,879 cr24.0
LIC Housing Finance Limited₹546₹30,046 cr5.0
PNB Housing Finance Limited₹1,104₹28,756 cr12.9
Aadhar Housing Finance Limited₹469₹20,527 cr18.1
Sammaan Capital Limitedthis company₹142₹16,308 cr16.7
Home First Finance Company India Limited₹1,173₹12,264 cr19.2
Aptus Value Housing Finance India Limited₹239₹11,977 cr11.5
Can Fin Homes Limited₹774₹10,312 cr9.6
Aavas Financiers Limited₹1,292₹10,223 cr17.9
Same industry · latest reported numbers · not a recommendation.
Corporate actions
Dividend yield
trailing 12 months
Dividend / share (TTM)
Last dividend
₹2
ex 20 Sep 2024
ActionDetailEx-date
Dividend₹2 / share20 Sep 2024
Rights issue2:11 Feb 2024
Dividend₹1.25 / share18 Sep 2023
Dividend₹9 / share28 May 2021
Dividend₹6 / share13 Feb 2020
Dividend₹7 / share18 Nov 2019
Who owns it · 2026-06-30
No pledge
Promoter
28.3%
FII / Foreign
19.6%
DII / Domestic
8.0%
Retail / others
42.7%
Promoter stake up 28.3% over the last 12 quarters.
Smart-money activity
Insider trades
SoldHemal Navinchandra Zaveri · Employees/Designated Employees6,000 · ₹11.1 L23 Nov 23
SoldPradeep Kumar · Employees/Designated Employees7,770 · ₹14.4 L23 Nov 23
SoldPatil Vishal Prem · Employees/Designated Employees50,000 · ₹92.0 L22 Nov 23
Bulk / block deals
short · NSE110 Sep 26
short · NSE2,0007 Sep 26
short · NSE5274 Sep 26
Stake changes
BoughtAvenir Investment RSC Ltd · promoter→ 28.50% · 41,11026 May 26
BoughtBlackRock, Inc. (on behalf of discretionary management clients)→ 7.76%1 Apr 26
BoughtAvenir Investment RSC Ltd→ 28.40% · 33.00 cr31 Mar 26
Promoter pledges
ReleasedYes Bank Limited75.00 L · 1.75% held14 Jun 19
Releaseddeutsche Investments India Private Ltd42.00 L · 0.98% held14 Jun 19
ReleasedECL Finance Limited12.00 L · 0.28% held10 May 19
What shareholders were asked to approve

A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.

Court Convened Meeting · 10 Sep 2026
See the official result
1
Approval of scheme of arrangement between Sammaan Finserve Limited (“Demerged Company” or “SFL”) and Sammaan Capital Limited (“Resulting Company” or “SCL”) and their respective shareholders and creditors under Sections 230-232 read with Section 52, Section 66 and other applicable provisions of the Companies Act, 2013 (“Act”) and other applicable regulatory requirements (the “Scheme").
Backed by 100% of shareholders other than promotersneeded 75%
17.30 cr votes for, 1.34 L against · 0% of mutual funds and other big investors said no

Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.

Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 1 named members
owning 28.3% between them · as of 2026-06-30
Avenir Investment RSC Ltd28.34%

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

Money it raised, and what it did with it

When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.

₹5,653 cr raised in Mar 2026 by selling shares to selected investors

As of Mar 2026, the company says it has spent 0% of what it set aside. CRISIL Ratings Limited watches the spending on the exchange’s behalf.

Onward Lending Purposes
0%
of what was set aside
General corporate purposes
0%
of what was set aside

The rupee amounts in this company’s own breakdown don’t add up to the amount it says it raised — a common filing slip, where a table meant to be read in lakhs is entered as whole rupees. Rather than guess which is right, we show only the percentages, which are unaffected.

₹1,265 cr raised in Jan 2025 by selling shares to large investors

As of Mar 2025, the company says it has spent 100% of what it set aside. CRISIL Ratings Limited watches the spending on the exchange’s behalf.

Augmenting the capital base of our Company
99%
of what was set aside
General corporate purposes
spent more than set aside
103%
of what was set aside

The rupee amounts in this company’s own breakdown don’t add up to the amount it says it raised — a common filing slip, where a table meant to be read in lakhs is entered as whole rupees. Rather than guess which is right, we show only the percentages, which are unaffected.

Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.