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Sammaan Capital Ltd
(SAMMAANCAP)
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Rating:44Neutral
Price Target:
₹129.00
▼(-21.77% Downside)
Action:Reiterated
Date:08/24/26
The score is weighed down primarily by sharply deteriorating financial performance (large recent losses, negative operating/free cash flow in 2026, and high leverage). Technical indicators also remain bearish with price below major moving averages and negative MACD, while valuation provides limited offset because the negative P/E reflects loss-making operations and there is no dividend yield support in the data.
Positive Factors
Established housing-lending model
A defined housing-finance and retail-lending focus gives the company an established operating model tied to recurring borrower demand. Interest income and lending-related fees can support scalable revenue generation over time, provided credit performance and funding costs remain controlled.
Negative Factors
Severe earnings deterioration
The rapid shift from profits to increasingly large losses signals a material deterioration in earnings quality and sustainability. Deeply negative margins reduce internal capital generation, weaken resilience, and make future growth more dependent on a successful operating and credit-performance recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Established housing-lending model
A defined housing-finance and retail-lending focus gives the company an established operating model tied to recurring borrower demand. Interest income and lending-related fees can support scalable revenue generation over time, provided credit performance and funding costs remain controlled.
Read all positive factors
Sammaan Capital Ltd (SAMMAANCAP) vs. iShares MSCI India ETF (INDA)
Market Cap
₹152.95B
Dividend Yield1.22%
Average Volume (3M)519.09K
Price to Earnings (P/E)―
Beta (1Y)1.46
Revenue Growth-60.25%
EPS Growth-180.59%
CountryIN
Employees4,363
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)-89.33
Shares Outstanding1,164,556,900
10 Day Avg. Volume288,496
30 Day Avg. Volume519,091
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)0.64
Price to Sales (P/S)1.49
P/FCF Ratio-1.33
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)22.6
Revenue Forecast (FY)₹41.01B
Sammaan Capital Ltd Business Overview & Revenue Model
Company Description
Sammaan Capital Limited, an Indian non-banking financial company with its subsidiaries, delivers a wide array of financial products and services. These encompass diverse home financing solutions, such as loans for general residential properties, n...
How the Company Makes Money
Sammaan Capital Ltd primarily makes money through its lending business. Key revenue streams typically include (i) interest income earned on loans it originates and holds (the spread between the interest charged to borrowers and the company’s own c...
Sammaan Capital Ltd Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
42
Neutral
Cash Flow
24
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 57.39B | 81.90B | 70.93B | 67.38B | 84.81B | 87.36B |
| Gross Profit | 40.32B | 81.02B | 32.86B | 26.62B | 30.84B | 27.46B |
| EBITDA | -71.52B | -86.96B | -9.85B | 32.12B | 70.86B | 76.24B |
| Net Income | -72.36B | -71.45B | -18.07B | 12.14B | 11.30B | 11.78B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 742.43B | 701.81B | 730.66B | 749.45B | 819.73B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 109.60B | 47.34B | 44.24B | 52.32B | 79.86B |
| Total Debt | 0.00 | 518.53B | 427.26B | 484.93B | 524.03B | 608.44B |
| Total Liabilities | -189.91B | 552.52B | 483.59B | 532.75B | 575.84B | 652.99B |
| Stockholders Equity | 189.91B | 189.91B | 218.22B | 197.92B | 173.61B | 166.74B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -91.26B | 87.16B | 30.28B | 39.52B | 6.37B |
| Operating Cash Flow | 0.00 | -90.67B | 87.72B | 1.40B | 40.01B | 6.57B |
| Investing Cash Flow | 0.00 | 611.00M | -55.78B | 10.42B | 8.84B | 16.49B |
| Financing Cash Flow | 0.00 | 146.84B | -23.73B | -23.83B | -91.42B | -74.44B |
Sammaan Capital Ltd Technical Analysis
Negative
164.90
Price Trends
150.65
Negative
159.22
Negative
152.51
Negative
Market Momentum
-4.83
Positive
31.41
Neutral
20.95
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SAMMAANCAP, the sentiment is Negative. The current price of 164.9 is above the 20-day moving average (MA) of 142.47, above the 50-day MA of 150.65, and above the 200-day MA of 152.51, indicating a bearish trend. The MACD of -4.83 indicates Positive momentum. The RSI at 31.41 is Neutral, neither overbought nor oversold. The STOCH value of 20.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:SAMMAANCAP.
Sammaan Capital Ltd Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
64 Neutral | ₹96.52B | 14.01 | ― | ― | 13.18% | 16.88% | |
63 Neutral | ₹114.48B | 19.87 | ― | 0.47% | 21.42% | 25.43% | |
62 Neutral | ₹112.01B | 11.38 | ― | 2.01% | 20.54% | 23.05% | |
61 Neutral | ₹198.75B | 17.27 | ― | ― | 18.04% | 19.18% | |
60 Neutral | ₹70.48B | 13.11 | ― | 2.34% | 25.32% | 26.24% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
44 Neutral | ₹152.95B | -1.50 | ― | 1.22% | -60.25% | -180.59% |
* General Sector Average
IN:SAMMAANCAP
Sammaan Capital Ltd
134.40
-28.70
-17.60%
IN:AADHARHFC
Aadhar Housing Finance Ltd
453.20
-59.70
-11.64%
IN:AAVAS
Aavas Financiers Ltd.
1,214.60
-458.80
-27.42%
IN:APTUS
Aptus Value Housing Finance India Limited
223.90
-86.36
-27.83%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,114.00
-89.47
-7.43%
IN:INDIASHLTR
India Shelter Finance Corp. Ltd.
638.00
-236.83
-27.07%
Sammaan Capital Ltd Corporate Events
Sammaan Capital Posts Strong Q2 Disbursement Growth, Expands Branch Network
Oct 5, 2026
Sammaan Capital reported a sharp expansion in business for the quarter ended 30 September 2026, with consolidated disbursements rising to about ₹6,000 crore from ₹3,875 crore in the previous quarter and assets under management increasi...
Sammaan Capital Confirms Timely Interest Payment on Listed Debentures
Sep 26, 2026
Sammaan Capital Limited has certified that it has made timely payment of interest due on its secured redeemable non-convertible debentures issued via public offering and listed on Indian stock exchanges. The disclosure was made in line with Regula...
Sammaan Capital Board Clears ₹25,000-Crore Debt Plan and Sets AGM Agenda
Sep 7, 2026
Sammaan Capital Limited’s board has approved an enabling authorization to raise up to ₹25,000 crore via secured or unsecured non-convertible debentures and bonds on a private placement basis, subject to shareholder consent at the upcom...
Sammaan Capital Confirms Timely Interest Payments on Listed NCDs
Aug 29, 2026
Sammaan Capital Ltd has certified that it has made timely payment of interest on its secured redeemable non-convertible debentures issued via public issue and listed on Indian stock exchanges. The company reported that all scheduled monthly intere...
Sammaan Capital Completes Cash Tender Offer for 2027 Social Bonds
Aug 17, 2026
Sammaan Capital Limited has announced the final results and completion of a cash tender offer for up to U.S.$18,000,000 in principal amount of its outstanding U.S.$350,000,000 9.70% Senior Secured Social Bonds due 2027. The tender offer, conducted...
Sammaan Capital Schedules Global Investor Call on Q1 FY27 Results
Aug 10, 2026
Sammaan Capital Limited, a listed Indian financial services company specializing in home loan and credit offerings, operates from Gurgaon and New Delhi while maintaining a presence on BSE, NSE, India INX, and NSE IFSC. The firm targets both domest...
Sammaan Capital Confirms Timely Interest Payment on Listed Debentures
Aug 1, 2026
Sammaan Capital Limited operates in India’s financial services sector, focusing on home loans and related credit products. The company’s debentures are listed on the National Stock Exchange of India and BSE, indicating an active presen...
Sammaan Capital Publishes Postal Ballot Notice, Opens Window for Demat of Physical Shares
Jul 11, 2026
Sammaan Capital Ltd has notified exchanges that it has dispatched a postal ballot notice to shareholders and published the requisite advertisements in Financial Express and Jan Satta, in line with SEBI disclosure norms and the Companies Act. The c...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.