Sammaan Capital Ltd (IN:SAMMAANCAP)
:SAMMAANCAP
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Sammaan Capital Ltd
(SAMMAANCAP)
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Rating:52Neutral
Price Target:
₹143.00
▼(-4.09% Downside)
Action:ReiteratedDate:11/21/25
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
Exceptionally strong free cash flow growth and a very high operating cash flow-to-net-income ratio indicate the company can generate cash despite accounting losses. This durable cash conversion supports liquidity, servicing obligations and short-term deleveraging or reinvestment over the next several months.
Negative Factors
High leverage
A debt-to-equity ratio near 2x exposes the firm to interest rate and refinancing risk and reduces financial flexibility. In a mortgage-focused business this leverage magnifies credit and market shocks, making balance-sheet repair more difficult and constraining strategic options over months.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash flow generation
Exceptionally strong free cash flow growth and a very high operating cash flow-to-net-income ratio indicate the company can generate cash despite accounting losses. This durable cash conversion supports liquidity, servicing obligations and short-term deleveraging or reinvestment over the next several months.
Read all positive factors
Sammaan Capital Ltd (SAMMAANCAP) vs. iShares MSCI India ETF (INDA)
Market Cap
₹161.25B
Dividend YieldN/A
Average Volume (3M)1.33M
Price to Earnings (P/E)9.4
Beta (1Y)1.43
Revenue Growth1.75%
EPS GrowthN/A
CountryIN
Employees4,387
SectorServices
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)3.86
Shares Outstanding1,158,670,300
10 Day Avg. Volume765,085
30 Day Avg. Volume1,330,227
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.35
Price to Sales (P/S)1.07
P/FCF Ratio0.87
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)22.6
Revenue Forecast (FY)₹41.01B
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....
How the Company Makes Money
Sammaan Capital Ltd primarily makes money through lending activities: it raises funds (e.g., via bank borrowings, bonds/debentures, securitisation/assignment transactions, and other funding lines typical for NBFCs) and deploys these funds into int...
Sammaan Capital Ltd Financial Statement Overview
Summary
Income Statement
30
Negative
Balance Sheet
40
Negative
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 19.37B | 70.93B | 67.38B | 84.81B | 87.36B | 98.27B |
| Gross Profit | 17.55B | 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
Positive
149.10
Price Trends
147.11
Positive
146.73
Positive
145.94
Positive
Market Momentum
2.92
Negative
58.69
Neutral
83.68
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SAMMAANCAP, the sentiment is Positive. The current price of 149.1 is above the 20-day moving average (MA) of 146.80, above the 50-day MA of 147.11, and above the 200-day MA of 145.94, indicating a bullish trend. The MACD of 2.92 indicates Negative momentum. The RSI at 58.69 is Neutral, neither overbought nor oversold. The STOCH value of 83.68 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:SAMMAANCAP.
Sammaan Capital Ltd Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹44.67B | 18.11 | ― | 2.79% | 1.83% | 83.49% | |
70 Outperform | ₹72.28B | 18.01 | ― | 0.94% | 8.65% | 13.08% | |
70 Outperform | ₹143.35B | 6.66 | ― | 4.43% | -1.78% | 17.37% | |
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
52 Neutral | ₹161.25B | 9.43 | ― | ― | 1.75% | ― | |
47 Neutral | ₹50.66B | 116.38 | ― | ― | 5.51% | ― |
* Services Sector Average
IN:SAMMAANCAP
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Sammaan Capital Ltd Corporate Events
Sammaan Capital Completes Timely Redemption of Secured Debentures
Apr 29, 2026
Sammaan Capital Limited has certified that it has made timely payment of both principal and interest on its secured redeemable non-convertible debentures issued on a private placement basis and listed on Indian stock exchanges. The company confirm...
No Shares Tendered So Far in Avenir’s Open Offer for Sammaan Capital
Apr 24, 2026
An open offer has been launched for the acquisition of up to 34.18 crore equity shares of Sammaan Capital Ltd, representing 26.05% of its expanded voting share capital, by Avenir Investment RSC Ltd together with IHC Capital Holding LLC, acting in ...
Sammaan Capital Confirms Timely Interest Payments on Listed Debentures
Apr 18, 2026
Sammaan Capital Limited has certified that it has made timely interest payments on multiple series of its secured redeemable non-convertible debentures issued through a public issue and listed on Indian stock exchanges. The confirmation, made unde...
Sammaan Capital Discloses Key Pre-Offer Update on 26% Open Offer
Apr 17, 2026
Sammaan Capital Limited has disclosed that it has received a pre-offer advertisement and a corrigendum to the detailed public statement from Citigroup Global Markets India, relating to an open offer made to its public shareholders. The communicati...
Citigroup Issues SEBI-Regulated Pre-Offer Notice for Sammaan Capital
Apr 16, 2026
Citigroup Global Markets India Private Ltd has issued a pre-offer advertisement and a corrigendum to an earlier detailed public statement for the attention of Sammaan Capital Ltd’s public shareholders. The move is made under SEBI’s Sub...
Sammaan Capital files SEBI Regulation 74(5) compliance certificate for March quarter
Apr 15, 2026
Sammaan Capital Limited has submitted a compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018, for the quarter ended March 31, 2026. The filing confirms that details of all securities demateria...
CRISIL Upgrades Sammaan Capital to AA+ on IHC-Backed Strengthening
Apr 10, 2026
Credit rating agency CRISIL has upgraded Sammaan Capital Limited’s long-term debt rating to CRISIL AA+/Stable, citing the company’s strategic importance to, and strong support from, new promoter International Holding Company, as well a...
Sammaan Capital Announces Tender Offer for Partial Buyback of 2030 Social Bonds
Apr 7, 2026
Sammaan Capital Limited’s Securities Issuance and Investment Committee has approved a cash tender offer to buy back up to U.S.$45 million of its outstanding U.S.$450 million 7.5% Senior Secured Social Bonds due 2030. The move includes cleari...
Sammaan Capital to Weigh Buyback of USD-Denominated Bonds on April 7
Apr 1, 2026
Sammaan Capital Limited has notified the stock exchanges that its Securities and Investment Committee will meet on April 7, 2026, to consider and potentially approve a buyback of its USD-denominated bonds. The proposed bond buyback, subject to app...
Sammaan Capital launches NCD buyback as IHC takes strategic control
Apr 1, 2026
Sammaan Capital has outlined a new capital and liability strategy following its integration into the International Holding Company group, leveraging IHC’s strong sovereign-linked credit profile to enhance its own ratings and funding access. ...
Moody’s Lifts Sammaan Capital to B1 as SEBI Clears Strategic Capital Infusion
Mar 28, 2026
Sammaan Capital Limited has secured all necessary regulatory approvals from SEBI to proceed with a preferential issue of equity shares and warrants to Avenir Investment RSC Ltd, which is owned and controlled by Abu Dhabi–based International ...
Sammaan Capital Clears All Regulatory Hurdles for ₹8,850 Crore Control Deal
Mar 27, 2026
Sammaan Capital Limited has secured all necessary regulatory clearances, including final approvals from the Securities and Exchange Board of India for an indirect change of control at its asset management unit, paving the way for Avenir Investment...
RBI Clears Avenir’s Controlling Stake Buy in Sammaan Capital, SEBI Nod Pending
Mar 24, 2026
Sammaan Capital Limited has secured Reserve Bank of India approval for Avenir Investment RSC Ltd, owned by International Holding Company PJSC, to acquire a controlling stake via a large preferential equity issue, including an indirect change of co...
Sammaan Capital Confirms Timely NCD Payments and Redemptions
Mar 21, 2026
Sammaan Capital Limited has informed the stock exchanges that it has made timely payment of scheduled principal and interest on its secured redeemable non-convertible debentures issued via public issue and listed on NSE and BSE. The company detail...
Sammaan Capital Confirms Timely Interest Payment on Listed NCDs
Mar 6, 2026
Sammaan Capital Limited has certified that it has made a timely interest payment on a tranche of its secured redeemable non-convertible debentures issued on a private placement basis and listed on Indian stock exchanges. The company confirmed full...
Sammaan Capital Confirms Timely Interest Payment on Listed Debentures
Mar 6, 2026
Sammaan Capital Limited has informed stock exchanges that it has made timely payment of interest on its secured redeemable non-convertible debentures issued on a private placement basis. The company confirmed that the full interest amount due on a...
Sammaan Capital Confirms Timely Interest Payments on Listed Debentures
Mar 6, 2026
Sammaan Capital Ltd has notified stock exchanges that it has made timely interest payments on several series of secured redeemable non-convertible debentures issued through a public offering and listed on Indian exchanges. The confirmation, filed ...
Sammaan Capital Confirms Timely Interest Payment on Secured NCDs
Feb 3, 2026
Sammaan Capital Limited has notified the stock exchanges that it has made the scheduled interest payment in full on its secured redeemable non-convertible debentures issued on a private placement basis. The company confirmed that the entire quarte...
Sammaan Capital Confirms Timely Interest Payments on Listed NCDs
Jan 31, 2026
Sammaan Capital Limited has certified to the National Stock Exchange of India and BSE that it has made timely payment of interest on its listed secured redeemable non-convertible debentures issued via public issue. The company confirmed full settl...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.