Sammaan Capital

Market Cap (₹ Cr.)

₹11,114

52 Week High

200.80

Book Value

₹399

52 Week Low

130.69

PE Ratio

7.99

PB Ratio

0.56

PE for Sector

18.18

PB for Sector

-4.66

ROE

6.50 %

ROCE

11.46 %

Dividend Yield

1.33 %

EPS

₹25.15

Industry

Finance

Sector

Finance - Housing

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

-1.16 %

Net Income Growth

7.92 %

Cash Flow Change

-103.08 %

ROE

-5.34 %

ROCE

-1.87 %

EBITDA Margin (Avg.)

-2.78 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Revenue	2,030	1,947	2,161	2,221	2,514	2,528	2,760	2,928	3,101	3,116	3,300	3,386	4,003	3,789	3,882	4,046	3,758	3,296	2,988	2,976	2,628	2,214	2,233	2,217	2,142	2,043	1,917	2,033	1,785	1,751	1,801	1,989	1,904	1,784	1,885	1,838	2,032	1,934	2,068
Expenses	270	169	223	205	330	274	295	298	434	337	396	578	865	290	245	416	295	344	473	655	-137	294	278	317	126	346	284	256	-3	156	220	393	355	226	308	318	479	376	777
EBITDA	1,760	1,778	1,937	2,016	2,184	2,254	2,466	2,630	2,667	2,778	2,904	2,808	3,138	3,499	3,637	3,629	3,463	2,953	2,515	2,322	2,765	1,920	1,956	1,899	2,016	1,696	1,633	1,777	1,789	1,594	1,581	1,595	1,549	1,558	1,577	1,520	1,553	1,557	1,291
Operating Profit %	84 %	90 %	88 %	89 %	85 %	88 %	88 %	88 %	85 %	88 %	87 %	82 %	78 %	92 %	94 %	90 %	92 %	90 %	84 %	78 %	105 %	87 %	87 %	86 %	94 %	83 %	85 %	87 %	100 %	91 %	88 %	80 %	81 %	87 %	84 %	82 %	76 %	80 %	62 %
Depreciation	4	4	5	5	5	5	5	5	6	6	7	7	7	8	9	10	10	26	28	18	25	24	21	24	22	18	18	20	19	17	22	22	21	18	21	22	20	18	19
Interest	1,041	1,097	1,205	1,201	1,339	1,386	1,607	1,611	1,711	1,787	1,861	1,996	2,029	2,201	2,378	2,266	2,200	2,118	1,955	1,885	1,951	1,674	1,625	1,547	1,462	1,437	1,467	1,494	1,467	1,375	1,266	1,261	1,230	1,237	1,223	1,194	1,179	1,200	1,127
Profit Before Tax	715	676	727	810	840	863	853	1,013	951	985	1,036	806	1,101	1,291	1,250	1,354	1,253	808	532	418	789	222	310	328	532	242	148	264	302	202	293	312	298	304	333	304	354	339	144
Tax	188	177	182	202	196	200	227	205	170	214	111	339	215	289	397	183	210	373	45	56	-155	17	7	-19	-5	29	-29	0	0	0	0	0	0	2	-2	0	0	-12	0
Net Profit	527	499	545	608	642	626	641	753	822	750	804	632	1,000	968	933	953	875	579	510	377	694	167	235	251	406	189	108	190	209	151	222	229	216	241	248	226	276	257	111
EPS in ₹	14.82	14.04	14.71	14.48	15.24	14.87	15.20	17.80	19.39	17.68	18.94	14.85	23.44	22.69	21.88	22.32	20.48	13.55	11.93	8.82	16.22	3.90	5.43	5.42	8.77	4.09	2.33	4.11	4.49	3.21	4.71	4.86	4.59	5.11	5.24	4.67	4.82	4.19	1.74

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	55,143	74,385	1,00,290	1,26,899	1,20,103	92,653	83,472	76,079	68,141	65,797
Fixed Assets	52	65	84	97	141	376	229	263	365	284
Current Assets	14,996	20,161	27,127	6,751	17,152	16,667	18,158	14,300	9,778	10,720
Capital Work in Progress	0	0	0	0	0	0	0	0	0	0
Investments	5,982	9,791	12,635	17,927	25,926	16,167	10,018	10,223	9,913	9,681
Other Assets	49,109	64,528	87,571	1,08,875	94,036	76,110	73,226	65,593	57,863	55,831
Total Liabilities	48,650	63,881	88,421	1,11,344	1,02,844	77,723	67,950	60,427	52,112	47,741
Current Liabilities	19,304	27,835	34,385	59,926	54,334	37,791	12,381	9,469	10,350	11,556
Non Current Liabilities	29,347	36,046	54,036	51,418	48,510	39,932	55,569	50,957	41,762	36,186
Total Equity	6,492	10,504	11,869	15,555	17,259	14,930	15,522	15,652	16,029	18,056
Reserve & Surplus	6,421	10,420	11,785	15,470	17,173	14,844	15,430	15,559	15,935	17,941
Share Capital	71	84	85	85	85	86	92	94	94	115

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-341	-1,272	2,577	-1,032	9,474	-1,865	-246	-3,640	-4,768	-278
Investing Activities	-2,092	-4,968	-2,146	510	-7,446	9,726	2,581	1,284	2,583	2,549
Operating Activities	-8,459	-12,384	-16,307	-20,009	27,426	14,080	7,601	1,448	1,767	34
Financing Activities	10,210	16,080	21,030	18,467	-10,506	-25,672	-10,428	-6,371	-9,118	-2,860

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Feb 2024	Mar 2024	Jun 2024	Aug 2024	Sept 2024
Promoter	21.70 %	21.69 %	21.69 %	9.72 %	9.66 %	9.59 %	9.59 %	9.59 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
FIIs	33.61 %	33.63 %	27.13 %	28.40 %	26.36 %	25.04 %	24.04 %	21.73 %	18.31 %	18.54 %	22.37 %	23.42 %	20.41 %	19.33 %	19.14 %	19.89 %	19.77 %
DIIs	12.74 %	12.90 %	12.39 %	14.88 %	13.56 %	9.83 %	11.10 %	13.10 %	13.04 %	16.13 %	16.08 %	8.55 %	6.60 %	7.25 %	6.83 %	6.73 %	6.49 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	28.27 %	28.10 %	35.10 %	43.35 %	45.51 %	50.66 %	50.38 %	50.69 %	63.76 %	60.45 %	59.80 %	66.33 %	71.29 %	71.71 %	72.34 %	71.69 %	72.05 %

Show % Change

Dividend History

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Housing Finance	125.84	1,06,267.15	57.48	7,617.71	34.46	1,731	18.15	31.97
HUDCO	201.19	41,349.24	16.77	7,948.10	12.16	2,117	52.47	38.12
LIC Housing Finance	611.25	33,856.38	6.93	27,277.80	20.02	4,760	11.40	43.10
PNB Housing Finance	866.05	22,447.82	13.36	7,057.09	8.08	1,508	22.63	37.97
Aadhar Housing Finance	422.95	18,195.32	21.83	2,586.98	26.59	750	15.31	42.60
Aptus Value Housing Finance	317.40	15,656.95	23.19	1,416.84	24.98	612	22.94	34.75
Aavas Financiers	1,641.30	12,978.82	26.46	2,020.69	25.46	491	14.81	36.73
Sammaan Capital	159.70	11,113.63	7.99	8,624.77	-1.16	1,217	-1,026.48	63.00
Can Fin Homes	822.65	11,079.75	13.51	3,524.70	28.49	751	33.80	41.38
Home First Finance Company	1,069.60	9,385.88	27.42	1,156.55	45.37	306	24.12	41.29