SAMMAANCAP
Sammaan Capital Limited (SAMMAANCAP) Stock Analysis
Sammaan Capital Limited, formerly Indiabulls Housing Finance, provides housing and property-backed loans in India. It originates home loans, LAP, and developer financing through branches and digital channels. The company serves retail borrowers and real estate developers in the mortgage market. It is listed on Indian stock exchanges.
Financial Services › Mortgage Finance
₹133.90
+5.87% 1W | -17.90% 52W
Market Cap
15.4k CR
P/E Ratio
–
52W High
₹192.9
52W Low
₹125.7
Div. Yield
0%
Beta
0.6
50 DMA
₹145.5
200 DMA
₹152.3
Profit Margin
0%
Inst. Own.
11.2%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| Financing Margin % | 21% | 19% | 16% | 18% | 19% | -151% | 22% | 22% | 20% | 19% | 20% | -263% | 19% |
| Other Income | 13 | 15 | 69 | 50 | 30 | 3 | 3 | 25 | 9 | 10 | 0 | -6,496 | 31 |
| Depreciation | 19 | 23 | 23 | 21 | 19 | 20 | 20 | 25 | 21 | 21 | 21 | 25 | 20 |
| Profit before tax | 394 | 422 | 399 | 431 | 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 in Rs | 4.16 | 4.14 | 4.10 | 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% | 1.30% | 1.50% | 1.40% | ||||
| Net NPA % | 1.69% | 1.66% | 1.71% | 1.52% | 1.52% | 1.40% | 0.80% | 0.80% | 0.80% | 0.15% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| Financing 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 |
| Depreciation | 19 | 20 | 23 | 37 | 43 | 108 | 97 | 77 | 86 | 85 | 83 | 88 | 88 |
| Profit before tax | 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 in Rs | 35.65 | 37.11 | 45.71 | 60.88 | 63.80 | 34.30 | 17.33 | 16.76 | 15.97 | 16.44 | -21.82 | -61.66 | -60.32 |
| Dividend Payout % | 50% | 81% | 39% | 45% | 42% | 59% | 33% | 0% | 5% | 9% | -9% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | -2.0% | -4.0% | -1.0% |
Shareholding Pattern
FIIs19.05%
DIIs16.83%
Public62.22%
FIIs24.94%
DIIs14.31%
Public58.76%
FIIs46.21%
DIIs12.08%
Public39.81%
Promoters28.34%
FIIs19.60%
DIIs7.94%
Public42.71%
Promoters28.34%
FIIs21.34%
DIIs4.13%
Public44.78%
FIIs18.31%
DIIs13.04%
Public63.78%
FIIs19.33%
DIIs7.15%
Public71.79%
FIIs24.69%
DIIs5.92%
Public67.49%
FIIs46.21%
DIIs12.08%
Public39.81%
Promoters28.34%
FIIs21.34%
DIIs4.13%
Public44.78%
SAMMAANCAP
Holdings Analysis
Key strengths & risk signals
45
Overall
37
Fundamental
53
Technical
Risks (4)
LOW MARGIN! 0% profit margin - thin profits.
WEAK POSITION! Current price (133.9) is below both moving averages.
WEAK YEAR! Stock declined 17.9% in the last year.
WEAK! Trading at 12.2% of 52W range - near yearly lows.
Strengths (4)
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 5,980,868 vs down days: 4,369,486. Ratio: 1.37x
NEUTRAL! RSI at 42.5 - balanced momentum.
Fundamental & Technical Analysis
45Overall
37Fundamental
53Technical
Fundamental Breakdown
Growth Quality
17/30
Revenue CAGR: 21.0% (EXCELLENT, 15/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
0/10
LOW MARGIN! 0% profit margin - thin profits.
PEG Valuation
0/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.96 - caution advised.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 60.47% public ownership - higher volatility risk.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (145.5) is below 200-day average (152.3) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (133.9) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
2/10
WEAK YEAR! Stock declined 17.9% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 5,980,868 vs down days: 4,369,486. Ratio: 1.37x
RSI
3/5
NEUTRAL! RSI at 42.5 - balanced momentum.
52W Range
1/5
WEAK! Trading at 12.2% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 5.9% (1 week), -5.9% (1 month), -18.2% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
SAMMAANCAP
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-23 | Concall PDF | |
| Q3FY262026-02-10 | Concall PDF | |
| Q2FY262025-11-03 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SAMMAANCAP | ₹133.90 | – | – | 21.0% | – | -17.9% | 45 | APPROACHING RESISTANCE | -27.2% | -103.0% | -30.1% | +0.1% |
| HOMEFIRST | ₹1,099.80 | 19.9 | 51.4% | 33.7% | 33.3% | -9.0% | 64 | BREAKDOWN | +34.5% | +7.0% | +17.4% | +7.0% |
| AADHARHFC | ₹447.00 | 17.4 | 48.2% | 21.7% | 26.2% | -12.3% | 70 | BREAKOUT | +19.0% | -9.2% | +15.6% | +2.9% |
| APTUS | ₹222.50 | 11.3 | 61.8% | 23.0% | 23.3% | -28.6% | 64 | CONSOLIDATING DOWN | +19.0% | 0.0% | +19.3% | +1.9% |
| CANFINHOME | ₹732.10 | 8.5 | 67.1% | 16.0% | 19.0% | -8.3% | 63 | CONSOLIDATING DOWN | – | +2.7% | +16.7% | -0.9% |
| AAVAS | ₹1,195.20 | 13.9 | 42.5% | 18.8% | 15.1% | -24.1% | 68 | CONSOLIDATING DOWN | +23.1% | -5.7% | +12.2% | +2.4% |
| INDIASHLTR | ₹620.60 | 13.1 | 48.0% | 37.8% | 48.0% | -27.8% | 55 | BREAKDOWN | +20.0% | +2.1% | +22.1% | +5.3% |
| LICHSGFIN | ₹521.00 | 5 | 65.2% | 10.3% | 24.7% | -5.9% | 70 | BREAKDOWN | +9.9% | +0.4% | -2.4% | -12.6% |
Data from TradeAlone · Updated daily
SAMMAANCAP News
Sammaan Capital Limited Cleared in Delhi Police Investigation, Reinforces Commitment to Transparency2026-08-18Sammaan Capital Limited (sammaancap) Investor Presentation | Q1fy27: Disbursals Surge, Rating Upgrades and Cost of Funds Decline2026-08-15Sammaan Capital Limited (SAMMAANCAP) falls 5% intraday2026-08-14Sammaan Capital Limited (sammaancap) Marks First Full Quarter Under IHC with AUM Gaining Momentum2026-08-13Sammaan Capital Limited (sammaancap) Unveils Q1fy27 Investor Presentation: Strong Growth and Strategic Expansion2026-08-13Sammaan Capital Limited (SAMMAANCAP) gains 5% intraday2026-06-30
