WEBSITE BSE:538714 NSE: SANGAMFIN Inc. Year: 1981 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 11:02
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Sangam Finserv Limited, originally incorporated as Suchitra Finance & Trading Co. Limited on December 9, 1981, is a seasoned player in the financial services sector. The company, which is registered as a Non-Banking Finance Company (NBFC) with the Reserve Bank of India since May 2, 1998, operates from its registered office in Bhilwara, Rajasthan. The company’s operating revenues range from INR 1 cr to 100 cr for the financial year ending on March 31, 2019, and it has experienced a significant EBITDA increase of 37.30% over the previous y...Read More
Sangam Finserv Limited, originally incorporated as Suchitra Finance & Trading Co. Limited on December 9, 1981, is a seasoned player in the financial services sector. The company, which is registered as a Non-Banking Finance Company (NBFC) with the Reserve Bank of India since May 2, 1998, operates from its registered office in Bhilwara, Rajasthan. The company’s operating revenues range from INR 1 cr to 100 cr for the financial year ending on March 31, 2019, and it has experienced a significant EBITDA increase of 37.30% over the previous year. Sangam Finserv Limited's achievements include maintaining a steady growth trajectory and increasing its net worth by 9.63%, reflecting the company’s financial stability and potential for future growth. Sangam Finserv Limited stands as a reputable NBFC with a history of dedicated service to the finance sector, backed by strong leadership and a culture that prioritizes customer satisfaction and financial excellence. ...Read Less
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Market Cap ₹191 Cr.
Stock P/E 29
P/B 1.4
Current Price ₹41.1
Book Value ₹ 30.1
Face Value 10
52W High ₹47.9
Dividend Yield 0%
52W Low ₹ 25.6
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 5 | 5 | 5 | 5 | 5 | 7 | 1 | 7 | 5 | 4 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 5 | 5 | 5 | 5 | 5 | 7 | 1 | 7 | 5 | 4 |
| Total Expenditure | 1 | 1 | 2 | 1 | 1 | 2 | 2 | 1 | 2 | 2 |
| Operating Profit | 4 | 4 | 3 | 4 | 4 | 5 | -1 | 6 | 3 | 3 |
| Interest Expense | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 3 | 3 | 2 | 3 | 3 | 5 | -2 | 5 | 2 | 2 |
| Provision for Tax | 1 | 1 | 0 | 1 | 1 | 1 | 0 | 1 | 0 | 1 |
| Profit After Tax | 3 | 2 | 1 | 2 | 2 | 4 | -2 | 4 | 2 | 1 |
| Adjustments | 0 | 0 | -0 | 0 | -0 | 0 | -0 | 0 | 0 | -0 |
| Profit After Adjustments | 3 | 2 | 1 | 2 | 2 | 4 | -2 | 4 | 2 | 1 |
| Adjusted Earnings Per Share | 0.6 | 0.5 | 0.3 | 0.5 | 0.5 | 0.8 | -0.4 | 0.9 | 0.4 | 0.3 |
| #(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 | 0 | 2 | 13 | 24 | 33 | 22 | 22 | 15 | 16 | 19 | 19 | 17 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 0 | 2 | 13 | 24 | 33 | 22 | 22 | 15 | 17 | 19 | 19 | 17 |
| Total Expenditure | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 3 | 4 | 7 | 7 |
| Operating Profit | 0 | 2 | 12 | 23 | 32 | 21 | 21 | 14 | 13 | 14 | 12 | 11 |
| Interest Expense | 0 | 1 | 5 | 13 | 19 | 9 | 9 | 4 | 4 | 4 | 2 | 4 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 7 | 11 | 13 | 12 | 11 | 10 | 9 | 11 | 9 | 7 |
| Provision for Tax | 0 | 0 | 2 | 3 | 4 | 3 | 5 | 3 | 3 | 3 | 3 | 2 |
| Profit After Tax | 0 | 0 | 4 | 7 | 9 | 9 | 6 | 8 | 6 | 8 | 7 | 5 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 4 | 7 | 9 | 9 | 6 | 8 | 6 | 8 | 7 | 5 |
| Adjusted Earnings Per Share | 0 | 0.1 | 0.9 | 1.6 | 2 | 1.9 | 1.3 | 1.6 | 1.4 | 1.7 | 1.4 | 1.2 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 0% | 8% | -3% | 0% |
| Operating Profit CAGR | -14% | -5% | -11% | 0% |
| PAT CAGR | -13% | -4% | -5% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 2% | 69% | 42% | 24% |
| ROE Average | 5% | 6% | 6% | 6% |
| ROCE Average | 7% | 8% | 9% | 7% |
| #(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 | 71 | 71 | 75 | 82 | 90 | 99 | 105 | 113 | 119 | 127 | 133 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 42 | 31 | 32 | 24 | 20 | 1 | 1 | 0 | 9 |
| Current Liability | 6 | 33 | 65 | 215 | 312 | 44 | 53 | 45 | 34 | 28 | 19 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 1 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Total Liabilities | 77 | 104 | 182 | 328 | 433 | 168 | 178 | 159 | 154 | 155 | 161 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 107 |
| Investments | 68 | 41 | 20 | 20 | 20 | 0 | 0 | 0 | 10 | 13 | 36 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 0 |
| Other Loans | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 9 | 63 | 162 | 307 | 413 | 167 | 178 | 157 | 143 | 141 | 17 |
| Total Assets | 77 | 104 | 182 | 328 | 433 | 168 | 178 | 159 | 154 | 155 | 161 |
| #(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 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 |
| Cash Flow from Operating Activities | -6 | -53 | -86 | -136 | -96 | 254 | -1 | 25 | 21 | 10 | 29 |
| Cash Flow from Investing Activities | 0 | 27 | 21 | 0 | 0 | 20 | 0 | -1 | -10 | -4 | -24 |
| Cash Flow from Financing Activities | 6 | 27 | 65 | 137 | 95 | -274 | 3 | -25 | -11 | -7 | 0 |
| Net Cash Inflow / Outflow | -0 | 0 | -0 | 1 | -1 | -0 | 1 | -1 | 0 | -0 | 5 |
| Closing Cash & Cash Equivalent | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 5 |
| # | 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) | 0.01 | 0.07 | 0.94 | 1.58 | 2 | 1.94 | 1.27 | 1.62 | 1.38 | 1.7 | 1.42 |
| CEPS(Rs) | 0.01 | 0.07 | 0.94 | 1.58 | 2 | 1.94 | 1.27 | 1.64 | 1.44 | 1.75 | 1.45 |
| DPS(Rs) | 0 | 0 | 0.2 | 0.24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 15.17 | 15.24 | 16.17 | 17.51 | 19.27 | 21.28 | 22.55 | 24.17 | 25.59 | 27.27 | 28.58 |
| Net Profit Margin | 6.92 | 15.53 | 34.38 | 30.25 | 28.23 | 41.96 | 27.12 | 49.48 | 39.06 | 42.57 | 35.47 |
| Operating Margin | 39.34 | 89.93 | 93.61 | 96.03 | 97.42 | 97.02 | 94.04 | 92.63 | 79.92 | 76.04 | 62.48 |
| PBT Margin | 12.52 | 24.31 | 51.73 | 43.28 | 40.32 | 56.61 | 50.77 | 67.1 | 55.75 | 57.07 | 49.48 |
| ROA(%) | 0.03 | 0.34 | 3.05 | 2.89 | 2.45 | 3.02 | 3.43 | 4.49 | 4.12 | 5.11 | 4.17 |
| ROE(%) | 0.03 | 0.44 | 5.96 | 9.38 | 10.89 | 9.59 | 5.8 | 6.94 | 5.56 | 6.42 | 5.07 |
| ROCE(%) | 0.18 | 2 | 8.35 | 9.23 | 8.52 | 7.03 | 12.08 | 8.54 | 8.52 | 9.22 | 7.41 |
| Price/Earnings(x) | 905.51 | 0 | 4.59 | 7.88 | 6.48 | 6.41 | 5.66 | 6.42 | 6.02 | 12.45 | 28.96 |
| Price/Book(x) | 0.3 | 0 | 0.27 | 0.71 | 0.67 | 0.59 | 0.32 | 0.43 | 0.33 | 0.77 | 1.43 |
| Dividend Yield(%) | 0 | 0 | 4.65 | 1.93 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 80.22 | 20.88 | 9.89 | 12.37 | 12.12 | 5.77 | 4.65 | 6.05 | 4.35 | 6.71 | 10.91 |
| EV/Core EBITDA(x) | 201.76 | 23.18 | 10.57 | 12.88 | 12.44 | 5.95 | 4.94 | 6.49 | 5.34 | 8.68 | 17.2 |
| Interest Earned Growth(%) | 295.23 | 487.64 | 532.06 | 91.63 | 35.86 | -34.67 | 1.2 | -30.15 | 8.04 | 12.57 | 0.18 |
| Net Profit Growth | -25.13 | 1219.43 | 1298.98 | 68.59 | 26.79 | -2.91 | -34.59 | 27.45 | -14.72 | 22.68 | -16.53 |
| EPS Growth(%) | -25.06 | 1218.11 | 1298.98 | 68.59 | 26.79 | -2.91 | -34.59 | 27.45 | -14.72 | 22.68 | -16.53 |
| Interest Coverage(x) % | 1.47 | 1.37 | 2.24 | 1.82 | 1.71 | 2.4 | 2.17 | 3.63 | 3.31 | 4.01 | 4.81 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 63.08 | 63.08 | 63.08 | 63.08 | 63.08 | 63.08 | 63.08 | 63.08 | 63.08 | 63.08 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 36.92 | 36.92 | 36.92 | 36.92 | 36.92 | 36.92 | 36.92 | 36.92 | 36.92 | 36.92 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.59 | 0.59 | 0.59 | 0.59 | 0.59 | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 1.72 | 1.72 | 1.72 | 1.72 | 1.72 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 0.93 | 0.93 | 0.93 | 0.93 | 0.93 | 4.66 | 4.66 | 4.66 | 4.66 | 4.66 |
* The pros and cons are machine generated.
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