Sangam Finserv

₹123 0 | 0%

WEBSITE BSE:538714 NSE : SANGAMFIN 17 May, 10:15

Market Cap ₹115 Cr.

Stock P/E 12.9

P/B 0.9

Current Price ₹123

Book Value ₹ 135.1

Face Value 10

52W High ₹123.5

Dividend Yield 0%

52W Low ₹ 54.5

Edit Ratio

Sangam Finserv Research see more...

Overview Inc. Year: 1981Industry: Finance - NBFC

Sangam Finserv Share Price

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

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Peer Comparison

Sangam Finserv Quarterly Results

#(Fig in Cr.)	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Jun 2023	Sep 2023	Dec 2023
Operating Revenue	4	4	4	4	4	4	4	4	5	5
Other Income	0	0	0	0	0	0	0	0	0	0
Total Income	4	4	4	4	4	4	5	4	5	5
Total Expenditure	0	0	0	0	0	0	0	1	1	1
Operating Profit	4	3	4	3	4	4	4	3	4	4
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	3	2	3	3	3	3	3	3
Provision for Tax	1	1	1	1	1	1	1	1	1	1
Profit After Tax	2	2	2	2	2	2	2	2	3	2
Adjustments	0	0	-0	0	-0	0	0	0	0	0
Profit After Adjustments	2	2	2	2	2	2	2	2	3	2
Adjusted Earnings Per Share	2.2	2.2	2.1	1.6	1.8	2.3	2.4	2	2.8	2.3

Sangam Finserv Profit & Loss

#(Fig in Cr.)	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	2	13	24	33	22	22	15	16	18
Other Income	0	0	0	0	0	0	0	0	0
Total Income	2	13	24	33	22	22	15	17	19
Total Expenditure	0	1	1	1	1	1	1	3	3
Operating Profit	2	12	23	32	21	21	14	13	15
Interest Expense	1	5	13	19	9	9	4	4	4
Depreciation	0	0	0	0	0	0	0	0	0
Profit Before Tax	0	7	11	13	12	11	10	9	12
Provision for Tax	0	2	3	4	3	5	3	3	4
Profit After Tax	0	4	7	9	9	6	8	6	9
Adjustments	0	0	0	0	0	0	0	0	0
Profit After Adjustments	0	4	7	9	9	6	8	6	9
Adjusted Earnings Per Share	0.3	4.7	7.9	10	9.7	6.4	8.1	6.9	9.5

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	7%	-10%	-8%	0%
Operating Profit CAGR	-7%	-15%	-11%	0%
PAT CAGR	-25%	-13%	-3%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	108%	44%	11%	NA%
ROE Average	6%	6%	8%	5%
ROCE Average	9%	10%	9%	6%

Sangam Finserv Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	71	71	71	71	75	82	90	99	105	113	119
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	42	31	32	24	20	1	1
Current Liability	0	0	6	33	65	215	312	44	53	45	34
Other Liabilities & Provisions	0	0	0	0	0	1	-0	-0	-0	-0	-0
Total Liabilities	71	71	77	104	182	328	433	168	178	159	154
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	63	68	68	41	20	20	20	0	0	0	10
Fixed Assets	0	0	0	0	0	0	0	0	0	1	1
Other Loans	0	0	0	0	0	0	0	1	0	0	0
Other Non Current Assets	0	0	0	0	0	0	0	0	0	0	0
Current Assets	8	3	9	63	162	307	413	167	178	157	143
Total Assets	71	71	77	104	182	328	433	168	178	159	154

Sangam Finserv Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	1	0	0	0	0	0	1	0	0	1	0
Cash Flow from Operating Activities	-1	5	-6	-53	-86	-136	-96	254	-1	25	21
Cash Flow from Investing Activities	-0	-5	0	27	21	0	0	20	0	-1	-10
Cash Flow from Financing Activities	0	0	6	27	65	137	95	-274	3	-25	-11
Net Cash Inflow / Outflow	-1	0	-0	0	-0	1	-1	-0	1	-1	0
Closing Cash & Cash Equivalent	0	0	0	0	0	1	0	0	1	0	0

Sangam Finserv Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0	0	0.03	0.33	4.68	7.9	10.01	9.72	6.36	8.1	6.91
CEPS(Rs)	0.01	0.03	0.03	0.34	4.69	7.9	10.01	9.72	6.36	8.21	7.18
DPS(Rs)	0	0	0	0	1	1.2	0	0	0	0	0
Book NAV/Share(Rs)	0	0	75.85	76.18	80.87	87.56	96.36	106.38	112.74	120.84	127.93
Net Profit Margin	11.79	36.52	6.92	15.53	34.38	30.25	28.23	41.96	27.12	49.48	39.06
Operating Margin	18.17	46.27	39.34	89.93	93.61	96.03	97.42	97.02	94.04	92.63	79.92
PBT Margin	18.17	46.27	12.52	24.31	51.73	43.28	40.32	56.61	50.77	67.1	55.75
ROA(%)	0.01	0.04	0.03	0.34	3.05	2.89	2.45	3.02	3.43	4.49	4.12
ROE(%)	0.01	0.04	0.03	0.44	5.96	9.38	10.89	9.59	5.8	6.94	5.56
ROCE(%)	0.02	0.06	0.18	2	8.35	9.23	8.52	7.03	12.08	8.54	8.52
Price/Earnings(x)	0	0	905.51	0	4.59	7.88	6.48	6.41	5.66	6.42	6.02
Price/Book(x)	0	0	0.3	0	0.27	0.71	0.67	0.59	0.32	0.43	0.33
Dividend Yield(%)	0	0	0	0	4.65	1.93	0	0	0	0	0
EV/Net Sales(x)	105.28	105.67	80.22	20.88	9.89	12.37	12.12	5.77	4.65	6.05	4.35
EV/Core EBITDA(x)	568.42	223.26	201.76	23.18	10.57	12.88	12.44	5.95	4.94	6.49	5.34
Interest Earned Growth(%)	-69.25	-1.14	295.23	487.64	532.06	91.63	35.86	-34.67	1.2	-30.15	8.04
Net Profit Growth	193.72	206.17	-25.13	1219.43	1298.98	68.59	26.79	-2.91	-34.59	27.45	-14.72
EPS Growth(%)	0	0	0	1218.11	1298.98	68.59	26.79	-2.91	-34.59	27.45	-14.72
Interest Coverage(x) %	0	0	1.47	1.37	2.24	1.82	1.71	2.4	2.17	3.63	3.31

Sangam Finserv Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
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 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0.59	0.59	0.59	0.59	0.59	0.59	0.59	0.59	0.59	0.59
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	0.34	0.34	0.34	0.34	0.34
Others	0	0	0	0	0	0	0	0	0	0
Total	0.93	0.93	0.93	0.93	0.93	0.93	0.93	0.93	0.93	0.93

Pros

Stock is trading at 0.9 times its book value
Company is almost debt free.

Cons

Company has a low return on equity of 6% over the last 3 years.
The company has delivered a poor profit growth of -3% over past five 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.