Sammaan Capital Ltd

Sammaan Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Sammaan Capital Ltd

₹ 160 6.02%
21 Nov - close price
indiabulls.com BSE: 535789 NSE: SAMMAANCAP
About

Indiabulls Housing Finance 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]

Key Points

Offerings
Home Loans: The Co focuses on middle-income-affordable housing loans with an average ticket size of Rs. 35 lakhs/25 lakhs for urban/semi-urban loans. [1]
LAP: The average ticket size under LAP is Rs. 73 lakhs with an average term of 7 years. [2]

Website BSE NSE
  • Market Cap ₹ 11,803 Cr.
  • Current Price ₹ 160
  • High / Low ₹ 209 / 130
  • Stock P/E
  • Book Value ₹ 276
  • Dividend Yield 1.25 %
  • ROCE 10.1 %
  • ROE 6.56 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.58 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -12.8% over past five years.
  • Company has a low return on equity of 6.77% over last 3 years.
  • Dividend payout has been low at 4.76% of profits over last 3 years

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

Part of BSE 250 SmallCap Index Nifty Smallcap 250 BSE Allcap BSE Financial Services BSE SmallCap Select Index

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 2,233 2,274 2,189 2,075 2,230 2,339 2,075 1,900 2,227 2,143 2,205 2,207 2,422
Interest 1,571 1,577 1,543 1,495 1,410 1,389 1,342 1,354 1,350 1,312 1,291 1,309 1,238
254 257 256 179 406 522 293 147 448 478 511 471 4,852
Financing Profit 408 441 390 401 414 427 440 400 429 353 402 426 -3,668
Financing Margin % 18% 19% 18% 19% 19% 18% 21% 21% 19% 16% 18% 19% -151%
0 3 2 3 2 1 4 13 15 69 50 30 3
Depreciation 19 20 20 18 23 23 22 19 23 23 21 19 20
Profit before tax 390 424 372 386 393 405 422 394 422 399 431 437 -3,685
Tax % 27% 29% 18% 26% 26% 28% 38% 25% 29% 24% 26% 25% -25%
286 303 307 287 289 291 263 294 298 303 319 327 -2,761
EPS in Rs 4.13 4.34 4.36 4.05 4.09 4.11 3.71 4.16 4.14 4.10 4.32 6.59 -38.12
Gross NPA % 2.69% 3.18% 3.21% 2.96% 2.94% 3.30% 2.86% 2.87% 2.88% 2.85% 2.69% 2.68%
Net NPA % 1.53% 1.80% 1.89% 1.71% 1.70% 2.18% 1.90% 1.69% 1.66% 1.71% 1.52% 1.52%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 4,730 5,890 7,243 9,221 11,628 14,952 17,020 13,219 9,998 8,988 8,719 8,579 8,976
Interest 2,599 3,282 3,944 4,971 6,411 8,010 9,726 8,512 6,939 6,242 5,636 5,307 5,151
514 632 816 1,105 1,485 2,033 1,654 2,040 1,429 1,119 1,400 1,582 6,313
Financing Profit 1,616 1,976 2,482 3,145 3,733 4,909 5,640 2,667 1,630 1,628 1,683 1,690 -2,487
Financing Margin % 34% 34% 34% 34% 32% 33% 33% 20% 16% 18% 19% 20% -28%
48 14 9 4 62 6 6 2 29 6 8 41 151
Depreciation 9 8 19 20 23 37 43 108 97 77 86 85 82
Profit before tax 1,655 1,982 2,473 3,129 3,772 4,878 5,604 2,561 1,562 1,556 1,606 1,646 -2,418
Tax % 24% 21% 23% 25% 23% 21% 28% 15% 23% 24% 30% 26%
1,266 1,569 1,901 2,345 2,906 3,895 4,091 2,200 1,202 1,178 1,130 1,214 -1,812
EPS in Rs 26.84 31.21 35.65 37.11 45.71 60.88 63.80 34.30 17.33 16.76 15.97 16.44 -23.11
Dividend Payout % 50% 62% 50% 81% 39% 45% 42% 59% 33% 0% 5% 9%
Compounded Sales Growth
10 Years: 4%
5 Years: -13%
3 Years: -5%
TTM: 5%
Compounded Profit Growth
10 Years: -2%
5 Years: -22%
3 Years: 0%
TTM: -258%
Stock Price CAGR
10 Years: -9%
5 Years: -5%
3 Years: -4%
1 Year: -2%
Return on Equity
10 Years: 16%
5 Years: 8%
3 Years: 7%
Last Year: 7%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 62 67 71 84 85 85 85 84 89 89 90 113 145
Reserves 5,006 5,639 6,561 10,610 12,038 14,273 16,397 15,454 16,045 16,585 17,272 19,679 19,834
31,286 35,540 47,487 61,085 85,301 111,056 105,756 79,674 68,805 61,359 52,403 48,493 45,944
2,787 3,172 3,110 3,935 6,274 7,188 7,866 7,660 8,299 3,940 5,180 4,774 4,662
Total Liabilities 39,141 44,417 57,229 75,714 103,697 132,603 130,104 102,872 93,238 81,973 74,945 73,060 70,585
58 115 123 136 169 169 214 450 295 327 433 325 333
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 2,308 2,947 6,164 10,693 13,617 14,792 19,717 12,277 6,146 5,546 5,370 7,192 8,131
36,775 41,354 50,942 64,886 89,912 117,642 110,173 90,145 86,796 76,100 69,142 65,542 62,121
Total Assets 39,141 44,417 57,229 75,714 103,697 132,603 130,104 102,872 93,238 81,973 74,945 73,060 70,585

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-3,609 -2,452 -8,892 -11,643 -17,845 -25,024 21,206 19,331 7,088 657 4,001 -123
5,052 -635 -2,093 -4,997 -2,107 368 -4,220 8,265 3,103 1,649 884 1,590
5,227 3,090 10,699 15,330 22,591 23,775 -7,335 -27,934 -10,632 -7,444 -9,142 -2,383
Net Cash Flow 6,671 3 -286 -1,310 2,638 -881 9,650 -338 -440 -5,138 -4,257 -916

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 29% 31% 27% 25% 29% 27% 14% 8% 7% 7% 7%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
9.72% 9.66% 9.59% 9.60% 9.60% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
29.07% 26.81% 25.06% 24.04% 21.73% 18.31% 18.53% 22.37% 23.41% 19.33% 19.13% 19.77%
14.21% 13.11% 9.81% 11.09% 13.10% 13.04% 16.12% 16.08% 8.53% 7.15% 6.62% 6.31%
43.35% 45.51% 50.66% 50.41% 50.70% 63.78% 60.47% 59.81% 66.34% 71.79% 72.54% 72.22%
3.66% 4.91% 4.88% 4.88% 4.88% 4.88% 4.88% 1.75% 1.71% 1.71% 1.70% 1.69%
No. of Shareholders 4,70,1045,45,7385,77,5315,51,6915,10,5215,22,0334,99,9574,54,3034,50,1414,93,2884,87,8494,74,592

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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