Sammaan Capital Ltd.
NSE: SAMMAANCAP · Housing Finance Company
Snapshot
Unlock Sammaan Capital Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Sammaan Capital Limited is a non-banking financial company that provides a diverse range of mortgage and credit products. Its portfolio includes home loans, rural housing finance, loans against property, and working capital solutions for MSMEs.
Business Model
The company generates revenue primarily through interest income earned on its loan portfolio, which includes retail home loans and corporate mortgage products. It operates as a non-banking financial institution, leveraging its capital to provide credit to individuals and small businesses.
Management Commentary
Management recently oversaw the rebranding of the company from Indiabulls Housing Finance Limited to Sammaan Capital Limited in May 2024. The strategic shift aims to align the corporate identity with its evolving business focus in the Indian financial sector.
Growth Outlook
Growth is expected to be driven by continued demand for affordable housing and rural home loans across India. The company also focuses on expanding its MSME lending segment to diversify its asset base.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its borrower base.
- Credit Risk. The company faces potential losses if borrowers default on their home or corporate mortgage obligations.
- Regulatory Risk. As a non-banking financial company, it is subject to stringent and evolving regulations from the Reserve Bank of India that may impact operational flexibility.
- Liquidity Risk. Dependence on external funding sources to maintain loan disbursements could be affected by volatility in the debt capital markets.
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Key Metrics
REVENUE
₹7,418 Cr
TTM · consolidated
NET PROFIT
₹-7,236 Cr
TTM · consolidated
EPS
₹-89.32
TTM · consolidated
RETURN ON EQUITY
-35.5%
TTM · consolidated
P/E
-1.8x
Q1 FY27 · consolidated
EBITDA MARGIN
46.1%
TTM · consolidated
NET PROFIT MARGIN
14.7%
Q1 FY27 · consolidated
Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Sammaan Capital Ltd.SAMMAANCAP | ₹18,398 Cr | -1.77 | — | -17.1% | 46.1% | -35.5% | 19.9% | +15.7% |
Aadhar Housing Finance Ltd.AADHARHFC | ₹21,146 Cr | 18.40 | — | 17.7% | 76.6% | 16.4% | — | -4.5% |
Aptus Value Housing Finance India Ltd.APTUS | ₹12,962 Cr | 13.15 | — | 22.9% | 83.5% | 21.0% | — | -21.3% |
Home First Finance Company India Ltd.HOMEFIRST | ₹12,649 Cr | 21.63 | — | 21.3% | 79.0% | 16.9% | — | -3.3% |
Can Fin Homes Ltd.CANFINHOME | ₹10,751 Cr | 9.52 | — | 8.2% | 92.1% | 20.5% | 26.9% | +6.7% |
Aavas Financiers Ltd.AAVAS | ₹10,341 Cr | 15.04 | — | 13.3% | 73.9% | 14.6% | — | -17.2% |
As of Q1 FY27
Financials
Sammaan Capital Ltd.
NSE: SAMMAANCAP · Housing Finance Company
Snapshot
Unlock Sammaan Capital Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Sammaan Capital Limited is a non-banking financial company that provides a diverse range of mortgage and credit products. Its portfolio includes home loans, rural housing finance, loans against property, and working capital solutions for MSMEs.
Business Model
The company generates revenue primarily through interest income earned on its loan portfolio, which includes retail home loans and corporate mortgage products. It operates as a non-banking financial institution, leveraging its capital to provide credit to individuals and small businesses.
Management Commentary
Management recently oversaw the rebranding of the company from Indiabulls Housing Finance Limited to Sammaan Capital Limited in May 2024. The strategic shift aims to align the corporate identity with its evolving business focus in the Indian financial sector.
Growth Outlook
Growth is expected to be driven by continued demand for affordable housing and rural home loans across India. The company also focuses on expanding its MSME lending segment to diversify its asset base.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its borrower base.
- Credit Risk. The company faces potential losses if borrowers default on their home or corporate mortgage obligations.
- Regulatory Risk. As a non-banking financial company, it is subject to stringent and evolving regulations from the Reserve Bank of India that may impact operational flexibility.
- Liquidity Risk. Dependence on external funding sources to maintain loan disbursements could be affected by volatility in the debt capital markets.
Start your research today
Unlock AI insights, financials, peers and live data on Sammaan Capital Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹7,418 Cr
TTM · consolidated
NET PROFIT
₹-7,236 Cr
TTM · consolidated
EPS
₹-89.32
TTM · consolidated
RETURN ON EQUITY
-35.5%
TTM · consolidated
P/E
-1.8x
Q1 FY27 · consolidated
EBITDA MARGIN
46.1%
TTM · consolidated
NET PROFIT MARGIN
14.7%
Q1 FY27 · consolidated
Peers · Housing Finance Company
As of Q1 FY27