Arthneeti

Sangam Finserv Share Price & Earnings Call Analysis

₹31.70-5.37% today
Market cap
₹148 Cr
P/E
19.45
ROE
2.42%
PEG
-0.97
Price to sales
6.41
Debt to equity
0.40
52W high / low
₹45.0 / ₹26.9
Sales growth (5Y)
-6.49%
EBITDA margin
66.77%
Net profit margin
20.86%
Promoter holding
63.08%
Sales (last year)
₹23 Cr

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 Sangam Finserv 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%+₹2,632 Cr69.0
240%+Up 2%+₹458 Cr23.7
340%+Up 0–2%₹877 Cr29.8
440%+Flat₹40,658 Cr37.4
540%+Flat₹16,070 Cr70.5
640%+Flat₹13,546 Cr—

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Financials of Sangam Finserv

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

Financials of Sangam Finserv

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +4.424.085.034.764.704.554.626.940.917.354.764.41-1.03
Interest1.250.710.880.980.950.730.600.540.520.710.650.641.32
Expenses +2.440.790.650.831.950.860.731.652.011.132.101.762.20
Financing Profit0.732.583.502.951.802.963.294.75-1.625.512.012.01-4.55
Financing Margin %16.52%63.24%69.58%61.97%38.30%65.05%71.21%68.44%-178.02%74.97%42.23%45.58%441.75%
Other Income +0.000.000.000.000.000.000.000.000.000.010.050.020.05
Depreciation0.070.060.060.060.060.040.040.040.050.030.040.040.04
Profit before tax0.662.523.442.891.742.923.254.71-1.675.492.021.99-4.54
Tax %43.94%27.38%23.55%24.91%27.01%24.66%23.38%22.93%2.40%22.22%6.93%35.68%20.70%
Net Profit +0.361.832.632.161.282.192.493.62-1.714.261.891.29-5.48
EPS in Rs0.080.390.560.460.270.470.530.78-0.370.910.410.28-1.18
Gross NPA %
Net NPA %

Financials of Sangam Finserv

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +0.342.0112.7024.3433.0721.6121.8615.2816.5018.5817.0115.49
Interest0.091.325.3212.8418.888.739.463.903.993.522.393.32
Expenses +0.210.200.810.970.860.651.311.043.064.235.247.21
Financing Profit0.040.496.5710.5313.3312.2311.0910.349.4510.839.384.96
Financing Margin %11.76%24.38%51.73%43.26%40.31%56.59%50.73%67.67%57.27%58.29%55.14%32.02%
Other Income +0.000.000.000.000.000.000.010.000.000.000.000.14
Depreciation0.000.000.000.000.000.000.000.100.250.240.170.14
Profit before tax0.040.496.5710.5313.3312.2311.1010.249.2010.599.214.96
Tax %50.00%36.73%33.49%30.10%30.01%25.84%46.58%26.27%30.00%25.40%28.23%34.27%
Net Profit +0.020.314.377.369.339.065.937.556.447.906.603.26
EPS in Rs0.000.070.941.582.001.941.271.621.381.701.420.70
Dividend Payout %0.00%0.00%21.33%15.20%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Financials of Sangam Finserv

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital9.329.329.329.329.329.329.329.329.329.3246.6146.61
Reserves61.3961.7066.0772.3180.5089.8695.78103.33109.94117.8186.5989.79
Borrowing6.0932.86105.59243.88340.4066.7469.3044.0733.3626.6326.7653.98
Other Liabilities +0.090.251.492.252.701.903.862.061.501.611.631.04
Total Liabilities76.89104.13182.47327.76432.92167.82178.26158.78154.12155.37161.59191.42
Fixed Assets +0.000.000.000.000.000.000.000.730.710.510.360.39
CWIP0.000.000.000.000.000.000.000.000.000.000.000.00
Investments67.9541.1520.5020.5020.030.270.270.269.7213.3136.3777.14
Other Assets +8.9462.98161.97307.26412.89167.55177.99157.79143.69141.55124.86113.89
Total Assets76.89104.13182.47327.76432.92167.82178.26158.78154.12155.37161.59191.42

Financials of Sangam Finserv

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 +-6.09-53.44-85.69-136.36-95.97253.61-1.4724.9620.6310.3528.8115.29
Cash from Investing Activity +0.0026.8020.650.000.0020.050.00-0.83-9.63-3.71-24.35-42.53
Cash from Financing Activity +6.0126.7764.83137.1795.17-273.662.56-25.24-10.71-6.730.1327.22
Net Cash Flow-0.080.13-0.210.81-0.800.001.09-1.110.30-0.094.60-0.02
Free Cash Flow-6.09-53.44-85.69-136.36-95.97253.61-1.4724.1320.4010.3128.7915.12
CFO/OP-4,669%-2,941%-706%-571%-285%1,228%6%208%183%87%272%212%

Financials of Sangam Finserv

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %0.03%0.44%5.97%9.37%10.88%9.59%5.81%6.93%5.55%6.41%5.07%2.42%

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