Arthneeti

Sammaan Capital Q1 FY27 Share Price & Earnings Call Analysis

₹121.13+4.39% today
Market cap
₹14,055 Cr
ROE
-3.21%
Price to sales
1.89
Debt to equity
2.73
52W high / low
₹190 / ₹113
Sales growth (5Y)
-3.96%
EBITDA margin
45.47%
Net profit margin
-8.01%
Promoter holding
28.34%
Sales (last year)
₹7,418 Cr

Sammaan Capital Ltd, incorporated in 2005, is registered with and regulated by National Housing Bank (NHB) and is engaged in the business of providing home loans and loan against property. It also provides corporate mortgage loan - lease rental discounting and residential construction finance.[1]

Guidance scorecard · Q1 FY27 call

What Sammaan Capital Ltd's management guided
and where it ranks in Finance

#6of 59 in
Finance
Revenue40%+MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookRising

RevenueQ1 FY27 call

40%+
  • Disbursement targets: INR 30,000 crores for current financial year; INR 40,000-50,000 crores for next financial year (INR 10,000 crores in first half, INR 20,000 crores in second half).
  • Expand product suite from current 4-5 asset categories to 8 by year-end, 15 by next year.
  • Shift from mortgage-focused lending (75% current) to diversified lending with growing personal loans, unsecured products; secured assets to reduce from 90% to 80% by next year.
  • Branch network expansion to ~800 branches by end of next year, covering 20 states with a hub-and-spoke model.
  • Revenue growth driven by loan originations, fee income from asset management and direct assignment.
  • Cost-to-income expected to improve from ~50% this year to 30-35% by FY 2029.

2 more points from Sammaan Capital Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what Sammaan Capital Ltd said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • Sammaan Capital is heavily investing in technological capabilities, including building a completely new tech stack focused on digital-first strategy, digital lending, AI adoption, and data sciences to enable end-to-end digital loan journeys and servicing.
  • Investment in expanding physical presence: targeting to grow branch network to ~800 branches by end of next year, increasing master service centers' spokes for better coverage across 20 states.
  • Strategic hiring: significant capital invested in increasing senior, mid-level, and frontline management and sales/collections/credit personnel to support growth and complexity management.
  • Exploring and investing in fintech, digital, AI, and private equity startup opportunities within the larger investment holding company (IHC) group.

2 more points from Sammaan Capital Ltd's call on capex

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Full Q1 FY27 analysis

FundraisingQ1 FY27 call

See what Sammaan Capital Ltd said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Rising
  • Disbursement targets: INR 30,000 crores for the current financial year, INR 40,000 to 50,000 crores for the next financial year.
  • Q1 disbursements approximately INR 3,900 crores.
  • First half disbursement target: INR 10,000 crores; second half target: INR 20,000 crores.
  • Expansion of product segments and branch network to support disbursements.
  • Portfolio expansions including unsecured lending, loans against securities, and digital lending products underway.

2 more points from Sammaan Capital Ltd's call on the order book

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Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Sammaan Capital Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
6Sammaan Capital LtdThis stock40%+Flat₹15,549 Cr—

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Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Sammaan Capital Ltd announcements

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Financials of Sammaan Capital Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Sammaan Capital Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +2,0751,9002,2272,1432,2052,2072,4222,0172,1072,4002,2512,1581,358
Interest1,3421,3541,3501,3121,2911,3091,2381,1941,0501,1961,2861,4581,679
Expenses +2931474484785114714,8523896037245282603,255
Financing Profit440400429353402426-3,668434455480436440-3,576
Financing Margin %21%21%19%16%18%19%-151%22%22%20%19%20%-263%
Other Income +4131569503033259100-6,496
Depreciation22192323211920202521212125
Profit before tax422394422399431437-3,685417455468425419-10,097
Tax %38%25%29%24%26%25%-25%28%29%29%27%25%-20%
Net Profit +263294298303319327-2,761302324334308314-8,101
EPS in Rs3.714.164.144.104.324.42-38.124.083.914.043.723.79-69.92
Gross NPA %2.86%2.87%2.88%2.85%2.69%2.68%2.37%1.30%1.50%1.40%
Net NPA %1.90%1.69%1.66%1.71%1.52%1.52%1.40%0.80%0.80%0.80%

Financials of Sammaan Capital Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +7,2439,22111,62814,95217,02013,2199,9988,9888,7198,5798,6768,166
Interest3,9444,9716,4118,0109,7268,5126,9396,2425,6365,3074,7915,618
Expenses +8161,1051,4852,0331,6542,0401,4291,1191,4001,5826,1794,769
Financing Profit2,4823,1453,7334,9095,6402,6671,6301,6281,6831,690-2,295-2,221
Financing Margin %34%34%32%33%33%20%16%18%19%20%-26%-27%
Other Income +94626622968412-6,475
Depreciation1920233743108977786858388
Profit before tax2,4733,1293,7724,8785,6042,5611,5621,5561,6061,646-2,376-8,784
Tax %23%25%23%21%28%15%23%24%30%26%-24%-19%
Net Profit +1,9012,3452,9063,8954,0912,2001,2021,1781,1301,214-1,807-7,145
EPS in Rs35.6537.1145.7160.8863.8034.3017.3316.7615.9716.44-21.82-61.66
Dividend Payout %50%81%39%45%42%59%33%0%5%9%-9%0%

Financials of Sammaan Capital Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital718485858584898990113163229
Reserves6,56110,61012,03814,27316,39715,45416,04516,58517,27219,67921,66018,763
Borrowing47,48761,08585,301111,056105,75679,67468,80561,35952,40348,49342,72651,853
Other Liabilities +3,1103,9356,2747,1887,8667,6608,2993,9405,1804,7745,6333,399
Total Liabilities57,22975,714103,697132,603130,104102,87293,23881,97374,94573,06070,18174,243
Fixed Assets +123136169169214450295327433325391341
CWIP000000000000
Investments6,16410,69313,61714,79219,71712,2776,1465,5465,3707,45614,21917,518
Other Assets +50,94264,88689,912117,642110,17390,14586,79676,10069,14265,27855,57156,385
Total Assets57,22975,714103,697132,603130,104102,87293,23881,97374,94573,06070,18174,243

Financials of Sammaan Capital Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-8,892-11,643-17,845-25,02421,20619,3317,0886574,0011408,772-7,466
Cash from Investing Activity +-2,093-4,997-2,107368-4,2208,2653,1031,6498841,042-5,578-1,540
Cash from Financing Activity +10,69915,33022,59123,775-7,335-27,934-10,632-7,444-9,142-2,383-2,37314,684
Net Cash Flow-286-1,3102,638-8819,650-338-440-5,138-4,257-1,2018215,678
Free Cash Flow-8,924-11,574-17,970-25,00421,11719,2977,0606383,957858,727-7,505
CFO/OP-127%-133%-167%-185%147%177%83%16%63%2%351%-213%

Financials of Sammaan Capital Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %31%27%25%29%27%14%8%7%7%7%-9%-3%

Guidance history

How Sammaan Capital Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →40%+FlatPlanned—Rising
Q4 FY26 call →40%+Up 2%+PlannedPlannedRising
Q3 FY26 call →—FlatPlannedPlanned—
Q2 FY26 call →20–40%Up 0–2%PlannedPlanned—

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

9out of 100

Momentum score · price trend

9 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−34.2%17%
Last 6 months−16.2%25%
Last 3 months−24.3%8%

The price is 90.3% below its all-time high of ₹1,242.48 (25 Jan 2018). Stocks more than 20% below their peak have their score halved, so 19 became 9.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Sammaan Capital Ltd: 0.4 × 17 + 0.4 × 25 + 0.2 × 8 = 19, halved to 9 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

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What Sammaan Capital Ltd's management said in earlier quarters

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