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Sammaan Capital Limited (SAMMAANCAP.NS)

INR174.42 +6.45 (+3.84%)
IN NSE Financial Services Financial - Mortgages
Address 1st Floor, Tower 3A 122 004
Gurugram, IN
CEO Gagan Banga
IPO 2013-07-23
ISIN INE148I01020

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Also trades on Bombay Stock Exchange · IBULHSGFIN.BO (INR) Bombay Stock Exchange · SAMMAANCAP.BO (INR) National Stock Exchange of India · IBULHSGFIN.NS (INR) National Stock Exchange of India · SAMMAANCAP.NS (INR)
Description

Sammaan Capital Limited, an Indian non-banking financial company with its subsidiaries, delivers a wide array of financial products and services. These encompass diverse home financing solutions, such as loans for general residential properties, non-resident Indian homes, renovation and extension projects, and rural housing, alongside facilities for transferring existing home loan balances. The company also extends working capital funding to micro, small, and medium enterprises, provides financing secured by property, and offers corporate mortgage facilities. Additionally, it administers emergency credit line guarantee schemes. Previously known as Indiabulls Housing Finance Limited, the firm rebranded to Sammaan Capital Limited in May 2024. Its operations are headquartered in Gurugram, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR174.42 +6.45 (+3.84%)
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Volume Profile
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Liquidity & share structure
Average Volume
18M
Beta
0.52
Float Shares
787.86M
Free Float %
96.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+8.79% +7.78% +3.64% +0.14% -2.93% +5.92% +27.50% +52.34% -19.69% -74.97% -39.33%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
174.42
DCF (Unlevered) 255.68 +46.6%
DCF (Levered) 1,482.38 +749.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Piotroski F-Score
4 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
4 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Mortgages: +18.2%
    +15.5% Q1'26: +128.3% (vs Q1'25)
  • EPS growth Financial - Mortgages: +18.3%
    -228.5% Q1'26: -2,517.1% (vs Q1'25)
  • FCF margin FCF growth · Financial - Mortgages: +84.8%
    -153.3% Q1'26: +0.0% (vs Q1'25)
  • EBIT margin Financial - Mortgages: +34.8%
    -107.3% Q1'26: -741.7% (vs Q1'25)
  • ROIC Financial - Mortgages: +4.9%
    -14.7% Q1'26: -54.1% (vs Q1'25)
  • Share dilution Financial - Mortgages: 0.0%
    +20.3% Q1'26: +3.4% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×
    -5.96× Q1'26: -1.29× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.45) × ERP
WACC = 20% × Ke + 81% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 245.13 Current price: 174.42
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
1 Rev. Ana.
1 EPS Ana.
Mar 2027
1 Rev. Ana.
1 EPS Ana.
Revenue
90.70B
est: 41.45B (+118.8%)
116.53B
est: 53.36B (+118.4%)
148.95B
est: 67.52B (+120.6%)
170.24B
est: 72.71B (+134.1%)
129.87B
est: 46.00B (+182.3%)
98.27B
est: 32.33B (+204.0%)
87.36B
est: 28.22B (+209.6%)
84.81B
est: 29.76B (+185.0%)
67.38B
est: 31.61B (+113.1%)
70.93B
est: 39.30B (+80.5%)
38.11B
38.11B – 38.11B
-3.0% YoY
41.01B
41.01B – 41.01B
+7.6% YoY
EBITDA
79.33B
est: 24.10B (+229.2%)
101.14B
est: 31.01B (+226.1%)
126.06B
est: 39.25B (+221.2%)
153.69B
est: 42.26B (+263.7%)
110.64B
est: 26.74B (+313.8%)
84.54B
est: 18.79B (+349.9%)
76.24B
est: 16.40B (+364.8%)
70.86B
est: 17.30B (+309.7%)
32.12B
est: 18.38B (+74.8%)
-9.85B
est: 22.85B (-143.1%)
22.15B
22.15B – 22.15B
-3.0% YoY
23.84B
23.84B – 23.84B
+7.6% YoY
EBIT
79.12B
est: 23.66B (+234.5%)
100.91B
est: 30.45B (+231.4%)
125.69B
est: 38.53B (+226.2%)
153.27B
est: 41.49B (+269.4%)
109.56B
est: 26.25B (+317.4%)
83.58B
est: 18.45B (+353.0%)
75.46B
est: 16.10B (+368.6%)
70.01B
est: 16.98B (+312.3%)
31.28B
est: 18.04B (+73.4%)
-10.68B
est: 22.43B (-147.6%)
21.75B
21.75B – 21.75B
-3.0% YoY
23.40B
23.40B – 23.40B
+7.6% YoY
Net Income
23.45B
est: 34.82B (-32.7%)
29.06B
est: 41.45B (-29.9%)
38.95B
est: 53.04B (-26.6%)
40.91B
est: 58.18B (-29.7%)
22.00B
est: 34.61B (-36.4%)
12.02B
est: 14.88B (-19.2%)
11.78B
est: 16.55B (-28.8%)
11.30B
est: 14.94B (-24.4%)
12.14B
est: 15.58B (-22.0%)
-18.07B
est: -17.23B (-4.9%)
14.49B
14.49B – 14.49B
+184.1% YoY
15.30B
15.30B – 15.30B
+5.6% YoY
SGA
4.36B
est: 605.23M (+621.0%)
426.70M
est: 779.02M (-45.2%)
602.70M
est: 985.86M (-38.9%)
467.40M
est: 1.06B (-56.0%)
647.90M
est: 671.58M (-3.5%)
682.90M
est: 472.01M (+44.7%)
4.85B
est: 412.00M (+1,076.2%)
5.40B
est: 434.46M (+1,143.5%)
6.33B
est: 461.56M (+1,272.1%)
7.77B
est: 2.59B (+199.7%)
2.51B
2.51B – 2.51B
-3.0% YoY
2.70B
2.70B – 2.70B
+7.6% YoY
EPS
53.37
est: 51.44 (+3.8%)
68.80
est: 61.23 (+12.4%)
81.74
est: 78.35 (+4.3%)
85.47
est: 85.94 (-0.5%)
46.12
est: 51.13 (-9.8%)
24.72
est: 21.98 (+12.5%)
23.56
est: 24.45 (-3.6%)
22.47
est: 22.07 (+1.8%)
23.78
est: 23.01 (+3.3%)
-26.70
est: -25.45 (-4.9%)
21.41
21.41 – 21.41
+184.1% YoY
22.60
22.60 – 22.60
+5.6% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 C+ 2/5 4/5 1/5 1/5 1/5 1/5 4/5
2026-05-20 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-19 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-18 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-15 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-14 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-13 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-12 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-11 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-08 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-07 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-06 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-05 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-04 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-30 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-29 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-28 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-27 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-24 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-23 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-22 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-21 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-20 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-17 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-16 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-15 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
33.40B
OE per share TTM
44.58
Owner's Yield
26.49%
Maintenance CapEx ratio
1.82%
Maint CapEx / Avg PPE
3.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
-20.02M
Shares Outstanding
813.51M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Gagan Banga MD, Chief Executive Officer & Whole Time Director 179M male
Mukesh Kumar Garg Chief Financial Officer 85M male
Sachin Chaudhary Chief Operating Officer & Whole-Time Director 75M male
Amit Kumar Jain Senior VP of Corporate Secretarial, Company Secretary & Compliance Officer 11M male
Neeraj Tyagi General Counsel & Legal male
Niharika Bhardwaj Chief People Officer female
Sunil Kumar Gupta Chief Sales Officer male
Vinay Gupta Chief Compliance Officer male
Dharmvir Kumar Singh Chief Technology Officer male
Himanshu Mody Deputy Chief Executive Officer male
Naveen Uppal Chief Risk Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits