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Sammaan Capital

₹185.4 -0 | 0%

Market Cap ₹15415 Cr.

Stock P/E -8.5

P/B 0.7

Current Price ₹185.4

Book Value ₹ 269.1

Face Value 2

52W High ₹192.9

Dividend Yield 0%

52W Low ₹ 97.8

Sammaan Capital Research see more...

Overview Inc. Year: 2005Industry: Finance - Housing

Indiabulls Housing Finance Ltd, together with its subsidiaries, operates as a housing finance agency. The company offers domestic loans, home loan balance transfer, MSME loans, mortgage against belongings, NRI home mortgage, domestic renovation and extension loans, and rural domestic loans, in addition to credit connected subsidy and emergency credit line guarantee schemes. It serves co-operative society, affiliation of persons, people, corporations, institutions, companies, builders, contractors, tenants, developers and others. Till December 31, 2021, the Company had 141 branches. Indiabulls Housing Finance Ltd was incorporated in 2000 and is primarily based in Gurugram, India.

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Sammaan Capital Share Price

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Sammaan Capital Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Operating Revenue 1900 2227 2143 2205 2207 2422 2017 2107 2400 2251
Other Income 15 15 69 51 30 3 3 25 9 10
Total Income 1916 2242 2212 2255 2236 2425 2019 2132 2409 2261
Total Expenditure 147 448 478 511 471 4852 389 603 724 528
Operating Profit 1769 1794 1733 1744 1765 -2427 1631 1530 1685 1732
Interest Expense 1354 1350 1312 1291 1309 1238 1194 1050 1196 1286
Depreciation 19 23 23 21 19 20 20 25 21 21
Profit Before Tax 396 422 399 432 437 -3685 417 455 468 425
Provision for Tax 100 124 96 112 110 -924 115 131 134 117
Profit After Tax 296 298 303 320 327 -2761 302 324 334 308
Adjustments -2 0 0 -1 0 0 0 0 0 0
Profit After Adjustments 294 298 303 319 327 -2761 302 324 334 308
Adjusted Earnings Per Share 5.9 5.6 5.6 5.7 5.7 -38.1 4.1 4 4.1 3.8

Sammaan Capital Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 6509 8365 10493 14951 17050 13216 9927 8983 8719 8475 8623 8775
Other Income 803 936 1292 61 32 7 103 67 161 264 781 47
Total Income 7312 9300 11785 15012 17082 13224 10030 9050 8880 8739 9404 8821
Total Expenditure 876 1179 1579 2087 1710 2043 1432 1175 1554 1699 6905 2244
Operating Profit 6435 8121 10206 12925 15372 11181 8598 7875 7326 7040 2499 6578
Interest Expense 3944 4971 6411 8010 9726 8512 6939 6242 5636 5307 4791 4726
Depreciation 19 20 23 37 43 108 97 77 86 85 83 87
Profit Before Tax 2473 3129 3772 4878 5604 2561 1562 1556 1604 1649 -2376 1765
Provision for Tax 571 776 863 1005 1546 395 360 378 476 432 -568 497
Profit After Tax 1901 2353 2909 3873 4058 2166 1202 1178 1128 1217 -1807 1268
Adjustments -0 -8 -2 22 33 34 0 0 2 -3 0 0
Profit After Adjustments 1901 2345 2906 3895 4091 2200 1202 1178 1130 1214 -1807 1268
Adjusted Earnings Per Share 47.7 49.6 61.2 81.5 85.4 46.8 24.1 23.6 22.5 21.5 -22.2 16

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 2% -1% -8% 3%
Operating Profit CAGR -65% -32% -26% -9%
PAT CAGR -248% NAN% NAN% NAN%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 28% 16% 6% -11%
ROE Average -9% 2% 4% 16%
ROCE Average 4% 8% 9% 10%

Sammaan Capital Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 6632 10694 12122 14358 16482 15538 16134 16674 17361 19792 21822
Minority's Interest 2 0 0 0 0 0 0 0 0 0 0
Borrowings 29105 35521 54116 89419 89762 69333 57805 46876 37269 40108 34285
Current Liability 21621 29533 37104 28076 23282 17104 18239 17749 19641 12746 13589
Other Liabilities & Provisions 1185 2051 3141 288 463 509 391 119 232 185 -278
Total Liabilities 58546 77799 106484 132141 129990 102484 92568 81418 74509 72831 69419
Loans 40151 53193 73670 109833 92387 70211 65407 59950 55831 52749 44915
Investments 23 724 797 2790 2019 4420 5104 4938 5247 5602 14002
Fixed Assets 123 136 169 169 214 450 295 327 433 293 391
Other Loans 795 1470 2671 651 884 1294 662 1175 1433 0 0
Other Non Current Assets 615 414 285 129 136 739 154 149 166 2102 2928
Current Assets 16839 21862 28892 18568 34350 24700 19561 11896 8955 10820 6146
Total Assets 58546 77799 106484 132141 129990 102484 92568 81418 74509 72831 69419

Sammaan Capital Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 6674 6388 2497 5134 4252 13903 13565 13124 7986 3729 2529
Cash Flow from Operating Activities -8892 -11643 -17845 -25024 21206 19331 7089 657 4001 140 8772
Cash Flow from Investing Activities -2093 -4997 -2107 368 -4220 8265 3103 1649 884 1042 -5578
Cash Flow from Financing Activities 10699 15330 22591 23775 -7335 -27934 -10632 -7444 -9142 -2383 -2373
Net Cash Inflow / Outflow -286 -1310 2638 -881 9650 -338 -440 -5138 -4257 -1201 821
Closing Cash & Cash Equivalent 6388 5078 5135 4252 13903 13565 13124 7986 3729 2529 3350

Sammaan Capital Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 47.69 49.64 61.16 81.46 85.37 46.81 24.07 23.58 22.46 21.49 -22.22
CEPS(Rs) 48.16 50.25 61.69 81.77 85.57 48.39 26 25.13 24.12 23.03 -21.2
DPS(Rs) 26 45 27 41 40 31 9 0 1.12 2 0
Book NAV/Share(Rs) 166.29 226.34 255.05 298.23 340.5 326.5 319.37 330.23 341.7 347.69 265.01
Net Profit Margin 29.21 28.13 27.72 25.91 23.8 16.39 12.1 13.11 12.93 14.36 -20.96
Operating Margin 98.59 96.84 97.04 86.2 89.91 83.78 85.63 86.8 83.04 82.07 28.01
PBT Margin 37.99 37.41 35.95 32.63 32.87 19.38 15.73 17.32 18.39 19.45 -27.55
ROA(%) 3.68 3.45 3.16 3.25 3.1 1.86 1.23 1.35 1.45 1.65 -2.54
ROE(%) 30.84 27.17 25.5 29.36 26.54 13.68 7.68 7.26 6.7 6.61 -8.77
ROCE(%) 13.46 12.87 12.04 11.57 12.38 10.18 9.44 9.57 9.8 10.08 3.64
Price/Earnings(x) 10.43 11.62 14.54 13.55 8.96 1.84 7.28 5.97 3.87 7.83 0
Price/Book(x) 2.99 2.55 3.49 3.7 2.25 0.26 0.55 0.43 0.25 0.48 0.4
Dividend Yield(%) 4.66 6.96 2.71 3.31 4.67 32.11 4.58 0 1.28 1.19 0
EV/Net Sales(x) 9.81 10.21 11.62 10.63 7.49 5.2 6.1 6.54 5.91 6.4 5.49
EV/Core EBITDA(x) 9.92 10.52 11.94 12.3 8.31 6.14 7.04 7.46 7.04 7.7 18.94
Interest Earned Growth(%) 19.42 28.51 25.45 42.49 14.04 -22.48 -24.89 -9.51 -2.94 -2.8 1.75
Net Profit Growth 21.21 23.76 23.62 33.17 4.76 -46.62 -44.52 -1.98 -4.25 7.92 -248.52
EPS Growth(%) 14.18 4.09 23.2 33.18 4.8 -45.16 -48.59 -2.03 -4.73 -4.33 -203.4
Interest Coverage(x) % 1.63 1.63 1.59 1.61 1.58 1.3 1.23 1.25 1.28 1.31 0.5

Sammaan Capital Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 0 0 0 0 0 0 0 0 0 0
FII 18.52 22.37 23.42 19.33 19.14 19.77 19.53 24.69 24.4 19.05
DII 16.09 16.07 8.53 7.15 6.62 6.31 6.3 5.87 5.9 16.78
Public 65.28 61.56 68.05 73.51 74.25 73.92 74.17 69.44 69.7 64.16
Others 0.12 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Stock is trading at 0.7 times its book value
  • Company has reduced debt.

Cons

  • Promoter holding is low: 0%.
  • Company has a low return on equity of 2% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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