Sammaan Capital Ltd (SAMMAANCAP) AI Stock Analysis

• Market Cap: ₹118.89B
• Dividend Yield: N/A
• Average Volume (3M): 1.33M
• Price to Earnings (P/E): 8.8
• Beta (1Y): 1.78
• Revenue Growth: -4.78%
• EPS Growth: N/A
• Country: IN
• Employees: N/A
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Mortgages
• EPS (TTM): 3.78
• Shares Outstanding: 831,383,100
• 10 Day Avg. Volume: 765,085
• 30 Day Avg. Volume: 1,330,227
• PEG Ratio: 0.02
• Price to Book (P/B): 0.35
• Price to Sales (P/S): 0.90
• P/FCF Ratio: 0.87
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 52 Neutral
• Price Target: ₹161.00 ▲(7.98% Upside)

Sammaan Capital Ltd's overall stock score is primarily influenced by its financial performance, which shows significant challenges in revenue and profitability, offset by strong cash flow generation. Technical analysis indicates a bearish trend, while valuation metrics suggest the stock is reasonably priced. The absence of earnings call data and corporate events means these factors do not impact the score.

Positive Factors

Cash Flow Generation

Strong cash flow generation indicates effective financial management and provides a buffer against operational challenges, supporting long-term stability.

Steady Income Stream

A steady income stream from management fees ensures consistent revenue, enhancing financial predictability and supporting sustainable growth.

Strategic Partnerships

Strategic partnerships expand investment opportunities and strengthen market position, contributing to long-term competitive advantages.

Negative Factors

High Leverage

High leverage increases financial risk, potentially limiting flexibility and increasing vulnerability to market volatility, impacting long-term stability.

Declining Revenue

Declining revenue signals operational challenges and can hinder growth prospects, affecting the company's ability to invest in future opportunities.

Negative Profitability

Negative profitability reflects operational inefficiencies and can strain resources, limiting reinvestment capabilities and long-term growth potential.

Sammaan Capital Ltd Business Overview & Revenue Model

Company Description

Sammaan Capital Limited, together with its subsidiaries, operates as a non-banking financial company in India. The company offers home, NRI home, home renovation and extension, and rural home loans, as well as home loan balance transfers services. It also offers working capital loans for micro, small and medium enterprises; loan against property; and corporate mortgage loans; as well as emergency credit line guarantee schemes. The company was formerly known as Indiabulls Housing Finance Limited and changed its name to Sammaan Capital Limited in May 2024. Sammaan Capital Limited is based in Gurugram, India.

How the Company Makes Money

Sammaan Capital Ltd generates revenue through multiple channels, primarily from management fees and performance fees associated with its investment funds. The company charges management fees as a percentage of assets under management (AUM), providing a steady income stream. Additionally, performance fees are earned based on the profits generated by the investments, aligning the company's interests with those of its clients. Key revenue streams also include advisory fees for consulting services in mergers and acquisitions, capital raising, and strategic planning. SAMMAANCAP has established significant partnerships with various institutional investors and venture capital firms, which enhance its deal flow and investment opportunities, further contributing to its earnings.

Sammaan Capital Ltd Financial Statement Overview

Summary

Sammaan Capital Ltd faces significant financial challenges with declining revenues and negative profitability. The high debt-to-equity ratio indicates financial risk, but strong cash flow generation provides some buffer against operational difficulties.

Income Statement

Sammaan Capital Ltd has experienced significant revenue decline, with a negative revenue growth rate of -284.79% in the most recent year. The company also reported negative net income and EBIT, indicating operational challenges. Despite a historically strong gross profit margin, recent figures show a reversal, highlighting potential issues in cost management or revenue generation.

Balance Sheet

The company has a high debt-to-equity ratio of 1.96, indicating significant leverage, which poses financial risk. Return on equity is negative, reflecting poor profitability relative to shareholder investment. However, the equity ratio remains stable, suggesting a reasonable proportion of assets funded by equity.

Cash Flow

Sammaan Capital Ltd shows strong cash flow management with a significant increase in free cash flow growth rate of 1673.83%. The operating cash flow to net income ratio is exceptionally high, indicating efficient cash generation relative to net income. However, the sustainability of such cash flow growth is uncertain given the negative income figures.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	19.09B	70.93B	67.38B	84.81B	87.36B	98.27B
Gross Profit	7.14B	32.86B	26.62B	30.84B	27.46B	30.31B
EBITDA	-10.65B	-9.85B	32.12B	70.86B	76.24B	84.54B
Net Income	-18.00B	-18.07B	12.14B	11.30B	11.78B	12.02B
Balance Sheet
Total Assets	0.00	701.81B	730.66B	749.45B	819.73B	932.38B
Cash, Cash Equivalents and Short-Term Investments	0.00	47.34B	44.24B	52.32B	79.86B	171.03B
Total Debt	0.00	427.26B	484.93B	524.03B	613.59B	688.05B
Total Liabilities	-218.22B	483.59B	532.75B	575.84B	652.99B	771.04B
Stockholders Equity	218.22B	218.22B	197.92B	173.61B	166.74B	161.34B
Cash Flow
Free Cash Flow	0.00	87.16B	30.28B	39.52B	6.37B	70.41B
Operating Cash Flow	35.33B	87.72B	30.86B	40.01B	6.57B	70.89B
Investing Cash Flow	-24.92B	-55.78B	10.42B	8.84B	16.49B	31.03B
Financing Cash Flow	-20.57B	-23.73B	-23.83B	-91.42B	-74.44B	-106.32B

Sammaan Capital Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 149.10
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

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 149.1 is above the 20-day moving average (MA) of 144.49, below the 50-day MA of 154.27, and above the 200-day MA of 138.21, indicating a neutral trend. The MACD of -1.99 indicates Negative momentum. The RSI at 42.88 is Neutral, neither overbought nor oversold. The STOCH value of 17.59 is Positive, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VRLLOG	73 Outperform	₹43.67B	18.69	―	2.79%	4.74%	176.63%
TCI	70 Outperform	₹80.02B	18.40	―	0.94%	9.97%	16.28%
SCI	70 Outperform	₹100.10B	12.45	―	4.43%	-7.39%	-21.53%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
SAMMAANCAP	52 Neutral	₹118.89B	8.84	―	―	-4.78%	―
TVSSCS	47 Neutral	₹46.59B	82.29	―	―	5.13%	90.30%

Sammaan Capital Ltd Corporate Events

Sammaan Capital Confirms Timely Interest Payment on Private Placement NCDs

Sammaan Capital Limited has confirmed that it has made a timely payment of the entire interest due on its secured redeemable non-convertible debentures issued on a private placement basis. The company’s certification under Regulation 57 of SEBI’s Listing Obligations and Disclosure Requirements indicates that there was no delay or default in servicing this debt, underscoring Sammaan Capital’s adherence to regulatory norms and its ongoing commitment to maintaining credit discipline for its debenture holders.

Sammaan Capital Confirms Timely Interest Payments on Listed NCDs

Sammaan Capital Limited has notified the stock exchanges that it has made timely payment of interest on its secured redeemable non-convertible debentures issued through a public offering and listed on Indian stock exchanges. The company confirmed full settlement of the interest amounts due on various series of NCDs as of early January 2026, with no delays or defaults and no redemption falling due in this period, underscoring its adherence to regulatory disclosure norms and reinforcing its debt-servicing track record for investors and other stakeholders.

Sammaan Capital Closes Trading Window Ahead of December Quarter Results

Sammaan Capital Limited has notified the stock exchanges that its trading window for dealing in the company’s securities will be closed from January 1, 2026 until 48 hours after the announcement of its unaudited standalone and consolidated financial results for the quarter and nine-month period ended December 31, 2025. The company stated that this step is in line with SEBI’s Prohibition of Insider Trading Regulations, underscoring its compliance framework and temporarily restricting trading by insiders ahead of the forthcoming financial disclosure, with the exact date of the board meeting to approve these results to be communicated later.

Sammaan Capital Allots 300,617 Shares Under 2013 ESOP, Lifts Paid-Up Capital to ₹165.94 Crore

Sammaan Capital Limited has allotted 300,617 fully paid-up equity shares of face value ₹2 each to eligible employees following the exercise of stock options granted under its 2013 employee stock option scheme. This ESOP-related issuance, approved by the company’s Nomination and Remuneration Committee, increases Sammaan Capital’s paid-up equity share capital to approximately ₹165.94 crore, spread over more than 82.86 million fully paid-up shares and 3.01 million partly paid-up shares, marginally diluting existing shareholdings while reinforcing employee ownership and alignment with long-term corporate performance.

CCI Approves Avenir’s Acquisition of Sammaan Capital Stake

Sammaan Capital Limited announced that the Competition Commission of India has approved the proposed acquisition of a controlling stake in the company by Avenir Investment RSC Ltd, a subsidiary of International Holding Company PJSC. The transaction is pending further regulatory approvals from the Securities and Exchange Board of India and the Reserve Bank of India. The acquisition is expected to enhance Sammaan Capital’s market positioning and operational capabilities, benefiting stakeholders by potentially expanding its financial services offerings.

Sammaan Capital Allots INR 300 Crore in Non-Convertible Debentures

Sammaan Capital Limited has announced the allotment of 30,000 secured, rated, listed, redeemable, non-convertible debentures (NCDs) on a private placement basis, amounting to a total of INR 300 crore. This issuance, divided into Series I and Series II, is aimed at strengthening the company’s financial position and enhancing its market offerings, with the debentures set to mature in December 2030. The move is expected to bolster Sammaan Capital’s financial stability and provide additional resources for its operations, potentially impacting its market positioning and stakeholder interests positively.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced the timely payment of interest on its secured redeemable non-convertible debentures, which were issued through a public issue and are listed on the stock exchange. This announcement underscores the company’s commitment to maintaining its financial obligations, potentially strengthening its position in the financial market and reassuring stakeholders of its operational stability.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced the timely payment of interest on its Secured and Unsecured Redeemable Non-Convertible Debentures, which were issued through a public offering and are listed on the stock exchange. This announcement underscores the company’s commitment to fulfilling its financial obligations, which may enhance its reputation and reliability in the market, potentially benefiting stakeholders and reinforcing its position in the financial services industry.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced that it has successfully made timely interest payments on its Secured Redeemable Non-Convertible Debentures, which were issued through a public offering and are listed on the stock exchange. This announcement underscores the company’s commitment to fulfilling its financial obligations, which may bolster its reputation and trust among investors and stakeholders in the financial market.

Sammaan Capital Ensures Timely Interest Payment on Debentures

Sammaan Capital Limited has announced the timely payment of interest on its Secured Redeemable Non-convertible Debentures, which were issued through a public issue and are listed on the stock exchange. This certification of payment compliance underscores the company’s commitment to fulfilling its financial obligations, potentially enhancing its reputation and reliability in the financial markets.

Sammaan Capital Ensures Timely Interest Payment on Debentures

Sammaan Capital Limited has announced the timely payment of interest on its secured redeemable non-convertible debentures, as per the Securities and Exchange Board of India’s regulations. This demonstrates the company’s commitment to fulfilling its financial obligations, potentially strengthening its reputation among investors and stakeholders.

Sammaan Capital Ensures Timely Payments on Debentures

Sammaan Capital Limited announced that it has successfully made timely payments of scheduled principal and interest amounts on its secured redeemable non-convertible debentures. This move underscores the company’s commitment to maintaining financial discipline and fulfilling its obligations to investors, potentially enhancing its reputation and stability in the financial market.

Sammaan Capital Schedules Conference Call for Q2 & H1FY26 Financial Results

Sammaan Capital Limited has announced a conference call scheduled for October 31, 2025, to discuss its unaudited standalone and consolidated financial results for the quarter and half-year ended September 30, 2025. This call will provide an opportunity for analysts and investors to engage with the company’s senior management, including the MD & CEO, Mr. Gagan Banga. The results and subsequent discussions could impact the company’s market positioning and offer insights into its financial health and strategic direction.

Sammaan Capital Issues Corrigendum for Upcoming EGM

Sammaan Capital Limited has issued a corrigendum to the notice of its Extraordinary General Meeting scheduled for October 29, 2025. The corrigendum has been published in the Financial Express and Jansatta newspapers and is available on the company’s website. This announcement is part of the company’s compliance with SEBI regulations and reflects its commitment to transparent communication with stakeholders.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced that it has successfully made timely interest payments on its secured and unsecured redeemable non-convertible debentures, as per the regulations set by the Securities and Exchange Board of India. This move underscores the company’s commitment to maintaining its financial obligations and could positively impact its reputation and trustworthiness among investors and stakeholders.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced that it has successfully made timely interest payments on its secured redeemable non-convertible debentures issued through public offerings and listed on the stock exchange. This announcement underscores the company’s commitment to fulfilling its financial obligations, potentially enhancing its credibility and reliability in the financial market, which could positively impact its stakeholders and market positioning.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced the timely payment of interest on its secured redeemable non-convertible debentures, as per the regulations of the Securities and Exchange Board of India. This announcement underscores the company’s commitment to meeting its financial obligations, potentially strengthening its position in the financial services market and reassuring stakeholders of its operational reliability.

Sammaan Capital Issues Corrigendum for EGM Notice

Sammaan Capital Limited has issued a corrigendum to its Extraordinary General Meeting (EGM) notice, scheduled for October 29, 2025. This corrigendum addresses clarifications requested by the NSE and BSE regarding a proposed preferential issue of equity shares and warrants. The company plans to leverage this issue to enhance its strategic and operational capabilities, aiming for exponential growth and improved shareholder value.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced that it has successfully made timely interest payments on its secured redeemable non-convertible debentures, as per the regulations set by the Securities and Exchange Board of India. This timely payment reinforces the company’s commitment to maintaining its financial obligations and could positively impact its reputation and reliability in the financial market.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced that it has successfully made timely interest payments on its Secured Redeemable Non-convertible Debentures, which were issued through a public offering and are listed on the stock exchange. This announcement underscores the company’s commitment to fulfilling its financial obligations, potentially strengthening its position in the financial market and reassuring stakeholders of its financial stability.

Sammaan Capital Ensures Timely Interest Payment on Debentures

Sammaan Capital Limited has announced that it has successfully made the timely payment of interest on its Secured Redeemable Non-convertible Debentures, which were issued through a public issue and are listed on the stock exchange. This announcement underscores the company’s commitment to fulfilling its financial obligations, potentially strengthening its position in the financial market and ensuring confidence among its stakeholders.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced that it has successfully made timely interest payments on its secured redeemable non-convertible debentures, which are listed on the stock exchange. This announcement underscores the company’s commitment to fulfilling its financial obligations, potentially strengthening its reputation and trust among investors and stakeholders.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced that it has made timely payments of interest on its secured redeemable non-convertible debentures, which were issued through a public issue and are listed on the stock exchange. This announcement underscores the company’s commitment to fulfilling its financial obligations, potentially enhancing its reputation and reliability in the financial market.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced that it has successfully made timely interest payments on its secured and unsecured redeemable non-convertible debentures, as per the regulations set by the Securities and Exchange Board of India. This timely payment reflects the company’s commitment to maintaining its financial obligations, potentially enhancing its reputation and reliability among stakeholders and investors.

Sammaan Capital Ensures Timely Interest Payments on Debentures

Sammaan Capital Limited has announced that it has made timely interest payments on its Secured Redeemable Non-convertible Debentures issued through a public offering. This payment compliance is pursuant to the Securities and Exchange Board of India regulations, indicating the company’s commitment to maintaining its financial obligations and potentially strengthening its market position and stakeholder confidence.