Sammaan Capital Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2018 • Investing and financing related activities: 99.2% • Fee Income: 0.8%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Promoters have been increasing their shareholding - up 28.3pp over 2 years
- Comfortable capital adequacy - CAR of 20.3%
- Asset quality is healthy - gross NPA of just 0.0%
- Company generates healthy free cash flow
CONS
- Company is loss-making at the operating / net level
- Recent results are weak - TTM profit is down 732.5% versus prior year
- Company has a low return on equity of -8.8% over last 3 years
- Company has a low return on capital employed of 4.1%
- Company's sales have been declining over the last five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | 84.16 | 673.24 | 70124.93 | 0.00 | 715.28 | 22.63 | 3063.02 | 17.79 | 8.83 | 92.39 |
| PIRAMALFIN | 2256.30 | 31.65 | 53390.90 | 0.49 | 460.98 | — | 3368.27 | 33.52 | 7.74 | 64.47 |
| HUDCO | 172.70 | 8.12 | 34572.81 | 3.50 | 851.11 | 35.05 | 3717.17 | 27.10 | 8.41 | 97.08 |
| LICHSGFIN | 562.55 | 5.39 | 30943.79 | 1.78 | 1499.03 | 9.90 | 7082.59 | -1.16 | 8.59 | 97.06 |
| PNBHOUSING | 1175.00 | 13.24 | 30644.46 | 0.68 | 557.34 | 4.47 | 2263.44 | 9.02 | 9.41 | 91.52 |
| AADHARHFC | 456.35 | 17.53 | 19997.56 | 0.00 | 282.36 | 19.00 | 992.89 | 17.06 | 11.31 | 75.02 |
| SAMMAANCAP | 147.45 | 0.00 | 17171.39 | 0.00 | 243.30 | -27.22 | 1651.93 | -31.18 | -4.70 | 99.91 |
| APTUS | 249.30 | 12.68 | 12485.70 | 1.81 | 260.94 | 19.01 | 600.29 | 15.38 | 15.45 | 81.94 |
| HOMEFIRST | 1184.65 | 21.31 | 12386.64 | 0.44 | 1598.51 | 1244.52 | 5380.11 | 1086.05 | 11.13 | 77.98 |
| CANFINHOME | 781.05 | 9.21 | 10400.04 | 1.92 | 267.82 | 19.63 | 1096.15 | 7.43 | 9.14 | 91.29 |
| AAVAS | 1275.10 | 20.61 | 10110.82 | 0.00 | 142.48 | 12.34 | 546.02 | 21.42 | 9.97 | 74.58 |
| INDIASHLTR | 652.05 | 14.15 | 7118.25 | 1.53 | 137.59 | 27.24 | 408.23 | 24.73 | 12.96 | 73.07 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,766 | 1,867 | 1,767 | 1,979 | 1,903 | 2,066 | 1,902 | 1,880 | 2,192 | 2,063 | 2,046 | 1,215 | 14,944 | |
| 226 | 308 | 318 | 479 | 376 | 777 | 390 | 506 | 638 | 456 | 275 | 3,973 | 12,239 | |
| Operating Profit | 1,541 | 1,560 | 1,449 | 1,500 | 1,526 | 1,289 | 1,512 | 1,373 | 1,554 | 1,607 | 1,771 | -15,756 | 15,250 |
| OPM % | 87.22% | 83.52% | 81.98% | 75.79% | 80.23% | 62.40% | 79.49% | 73.06% | 70.90% | 77.90% | 86.56% | -1296.40% | 102.05% |
| Other Income | 18 | 18 | 71 | 52 | 31 | 2 | 3 | 25 | 8 | 7 | 7 | 8 | 247 |
| Interest | 1,237 | 1,223 | 1,194 | 1,179 | 1,200 | 1,127 | 1,111 | 971 | 1,132 | 1,221 | 1,387 | 1,576 | 12,372 |
| Depreciation | 18 | 21 | 22 | 20 | 18 | 19 | 18 | 23 | 19 | 18 | 19 | 22 | 173 |
| 304 | 333 | 304 | 354 | 339 | 144 | 386 | 405 | 412 | 373 | 373 | -10,847 | 2,952 | |
| Tax % | 20.68% | 25.60% | 25.64% | 22.14% | 24.28% | 23.41% | 26.92% | 27.46% | 27.74% | 26.23% | 23.70% | 22.05% | 23.59% |
| Net Profit | 241 | 248 | 226 | 276 | 257 | 111 | 282 | 294 | 297 | 275 | 285 | -8,455 | 2,256 |
| 5 | 5 | 4 | 5 | 4 | 2 | 4 | 4 | 4 | 3 | 3 | -101 | 2 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 10,125 | 13,759 | 15,408 | 11,399 | 8,655 | 7,765 | 7,478 | 7,380 | 7,610 | 7,516 | 6,818 | |
| 1,383 | 2,164 | 1,334 | 1,671 | 962 | 953 | 1,264 | 1,401 | 3,125 | 6,220 | 5,928 | |
| Operating Profit | 8,742 | 11,595 | 14,074 | 9,728 | 7,693 | 6,812 | 6,214 | 5,979 | 4,486 | 1,296 | 890 |
| OPM % | 86.34% | 84.27% | 91.34% | 85.34% | 88.89% | 87.72% | 83.09% | 81.02% | 58.94% | 17.24% | 13.06% |
| 1,274 | 72 | 167 | 626 | 98 | 83 | 106 | 229 | 1,276 | -5,591 | -6,453 | |
| Interest | 6,315 | 7,711 | 9,057 | 7,710 | 6,308 | 5,865 | 5,131 | 4,833 | 4,410 | 5,316 | 5,421 |
| Depreciation | 21 | 27 | 37 | 98 | 91 | 74 | 83 | 81 | 79 | 78 | 76 |
| Profit before Tax | 3,681 | 3,928 | 5,148 | 2,547 | 1,392 | 956 | 1,106 | 1,294 | 1,274 | -9,689 | -9,805 |
| Tax % | 22.78% | 18.92% | 27.55% | 15.19% | 23.97% | 27.18% | 25.92% | 23.51% | 25.99% | 21.59% | 21.78% |
| Net Profit | 2,842 | 3,185 | 3,729 | 2,160 | 1,058 | 696 | 819 | 990 | 943 | -7,597 | -7,669 |
| EPS | 66.48 | 74.04 | 86.85 | 50.51 | 23.71 | 14.98 | 16.09 | 17.22 | 11.37 | -65.51 | — |
| Dividend Payout % | 40.26% | 54.90% | 45.84% | 61.36% | 39.31% | 0.00% | 7.20% | 11.62% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- -1%
- 5 Years:
- -3%
- 3 Years:
- 0%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- -14%
- 5 Years:
- -6%
- 3 Years:
- -1%
- 1 Year:
- 8%
RETURN ON EQUITY
- 10 Years:
- 8%
- 5 Years:
- -3%
- 3 Years:
- -9%
- Last Year:
- -37%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 85 | 85 | 85 | 86 | 92 | 94 | 94 | 115 | 166 | 232 |
| 11,782 | 15,376 | 17,011 | 14,656 | 15,251 | 15,388 | 15,766 | 17,807 | 22,384 | 18,292 | |
| 71,119 | 1,07,961 | 98,318 | 74,501 | 64,179 | 57,436 | 48,064 | 43,768 | 40,717 | 49,256 | |
| Trade Payables | 6 | 29 | 27 | 12 | 1 | 1 | 3 | 3 | 1 | 1 |
| 19,934 | 3,449 | 4,661 | 3,049 | 3,354 | 2,623 | 3,788 | 3,877 | 4,382 | 792 | |
| Total Liabilities | 1,02,925 | 1,26,899 | 1,20,103 | 92,303 | 82,877 | 75,543 | 67,715 | 65,570 | 67,650 | 68,571 |
| 84 | 97 | 141 | 376 | 229 | 263 | 365 | 284 | 327 | 276 | |
| 14,165 | 17,927 | 25,926 | 16,167 | 10,018 | 10,223 | 9,913 | 9,945 | 16,752 | 18,283 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 7 | 6 | |
| Cash & Bank | 5,444 | 4,467 | 14,022 | 12,913 | 15,087 | 9,251 | 4,240 | 3,308 | 3,139 | 9,345 |
| 83,232 | 1,04,407 | 80,014 | 62,847 | 57,544 | 55,806 | 53,198 | 52,028 | 47,425 | 40,662 | |
| Total Assets | 1,02,925 | 1,26,899 | 1,20,103 | 92,303 | 82,877 | 75,543 | 67,715 | 65,570 | 67,650 | 68,571 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -19,736 | -23,422 | 23,396 | 13,022 | 6,167 | 1,284 | 1,801 | -1,376 | 4,416 | -6,383 | |
| Cash from Investing | -2,146 | 510 | -7,446 | 9,726 | 2,581 | 1,284 | 2,583 | 2,000 | -5,320 | -2,091 |
| Cash from Financing | 21,030 | 18,467 | -10,506 | -25,672 | -10,428 | -6,371 | -9,118 | -2,593 | -1,120 | 13,284 |
| 2,577 | -1,032 | 9,474 | -1,865 | -246 | -3,640 | -4,768 | -563 | 252 | 6,082 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-11 - Sammaan Capital Limited has informed the Exchange regarding 'Allotment of 77,500 Secured, Rated, Listed, Taxable, Redeemable, Fully Paid-Up Non-Convertible Debentures on Private Placement basis Intimation under SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015'.
2026-09-10 - Please find enclosed Voting Result and Scrutinizer s Report on National Company Law Tribunal, New Delhi Bench, convened meeting of the Equity Shareholders of Sammaan Capital Limited held on Thursday, September 10, 2026.
2026-09-10 - Members of the Exchange are hereby informed that the trading in Non-Convertible Debentures of Sammaan Capital Limited shall be suspended w.e.f. September 11, 2026 (ISIN No. INE148I08272, INE148I07PY7, INE148I07PX9, INE148I07QE7, INE148I07GJ7, INE148I07GK5, INE148I07PZ4, INE148I07QA5, INE148I07GL3, INE148I07QB3, INE148I07GN9, INE148I08231, INE148I08249 & INE148I08256) on account of Maturity.
2026-09-10 - Summary of Proceedings of Meeting of Equity Shareholders of Sammaan Capital Limited ( the Company ) held on Thursday, September 10, 2026 pursuant to the Order dated June 12, 2026 read with Rectification / Clarification Order dated July 10, 2026 of the Hon ble National Company Law Tribunal, New Delhi Bench.
2026-09-09 - please find enclosed clippings of Notice published in newspaper on September 9, 2026 w.r.t. 21st Annual General Meeting (AGM) of the Company, detailing the procedure with respect to the e-voting facility being provided by the Company to all its Members to enable them to cast their vote on the matters listed in the Notice convening AGM of the Company, scheduled to be held on Wednesday, September 30, 2026 at 11:30 A.M. (IST) through Video Conferencing ( VC ) / Other Audio Visual Means ( OAVM ) facility.
2026-09-09 - Sammaan Capital Limited has informed the Exchange regarding 'Pursuant to Regulation 57 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby certify that our Company has made timely payment of interest amount in respect of the following NCDs issued by our Company, on private placement basis and listed on the Stock Exchanges'.
2026-09-09 - Sammaan Capital Limited has informed the Exchange regarding 'Pursuant to Regulation 57 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby certify that our Company has made timely payment of interest amount in respect of the Secured Redeemable Non-Convertible Debentures issued by our Company, on private placement basis and listed on the Stock Exchanges'.
2026-09-09 - Sammaan Capital Limited has informed the Exchange regarding 'Pursuant to Regulation 57 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby certify that our Company has made timely payment of interest amount in respect of the Secured Redeemable Non-Convertible Debentures issued by our Company, through Public Issue, and listed on the Stock Exchanges'.
2026-09-08 - Sammaan Capital Limited has informed the Exchange regarding 'Notice convening 21st Annual General Meeting of Shareholders of the Company, along with Annual Report for the financial year 2025-26'.
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