Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5.03 | 4.76 | 4.70 | 4.55 | 4.62 | 6.94 | 0.91 | 7.35 | 4.76 | 4.41 | -1.03 | 14.94 |
| Interest | 0.88 | 0.98 | 0.95 | 0.73 | 0.60 | 0.54 | 0.52 | 0.71 | 0.65 | 0.64 | 1.32 | 1.20 |
| Expenses | 0.65 | 0.83 | 1.95 | 0.86 | 0.73 | 1.65 | 2.01 | 1.13 | 2.10 | 1.76 | 2.20 | 1.61 |
| Financing Profit | 3.50 | 2.95 | 1.80 | 2.96 | 3.29 | 4.75 | -1.62 | 5.51 | 2.01 | 2.01 | -4.55 | 12.13 |
| Financing Margin % | 69.58% | 61.97% | 38.30% | 65.05% | 71.21% | 68.44% | -178.02% | 74.97% | 42.23% | 45.58% | 441.75% | 81.19% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.05 | 0.02 | 0.05 | 0.00 |
| Depreciation | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.05 | 0.03 | 0.04 | 0.04 | 0.04 | 0.02 |
| Profit before tax | 3.44 | 2.89 | 1.74 | 2.92 | 3.25 | 4.71 | -1.67 | 5.49 | 2.02 | 1.99 | -4.54 | 12.11 |
| Tax % | 23.55% | 24.91% | 27.01% | 24.66% | 23.38% | 22.93% | 2.40% | 22.22% | 6.93% | 35.68% | 20.70% | 18.25% |
| Net Profit | 2.63 | 2.16 | 1.28 | 2.19 | 2.49 | 3.62 | -1.71 | 4.26 | 1.89 | 1.29 | -5.48 | 9.90 |
| EPS in Rs | 0.56 | 0.46 | 0.27 | 0.47 | 0.53 | 0.78 | -0.37 | 0.91 | 0.41 | 0.28 | -1.18 | 2.12 |
| Gross NPA % | ||||||||||||
| Net NPA % |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.01 | 12.70 | 24.34 | 33.07 | 21.61 | 21.86 | 15.28 | 16.50 | 18.58 | 17.01 | 15.63 | 23.08 |
| Interest | 1.32 | 5.32 | 12.84 | 18.88 | 8.73 | 9.46 | 3.90 | 3.99 | 3.52 | 2.39 | 3.32 | 3.81 |
| Expenses | 0.20 | 0.81 | 0.97 | 0.86 | 0.65 | 1.31 | 1.04 | 3.06 | 4.23 | 5.24 | 7.21 | 7.67 |
| Financing Profit | 0.49 | 6.57 | 10.53 | 13.33 | 12.23 | 11.09 | 10.34 | 9.45 | 10.83 | 9.38 | 5.10 | 11.60 |
| Financing Margin % | 24.38% | 51.73% | 43.26% | 40.31% | 56.59% | 50.73% | 67.67% | 57.27% | 58.29% | 55.14% | 32.63% | 50.26% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.12 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.10 | 0.25 | 0.24 | 0.17 | 0.14 | 0.14 |
| Profit before tax | 0.49 | 6.57 | 10.53 | 13.33 | 12.23 | 11.10 | 10.24 | 9.20 | 10.59 | 9.21 | 4.96 | 11.58 |
| Tax % | 36.73% | 33.49% | 30.10% | 30.01% | 25.84% | 46.58% | 26.27% | 30.00% | 25.40% | 28.23% | 34.27% | |
| Net Profit | 0.31 | 4.37 | 7.36 | 9.33 | 9.06 | 5.93 | 7.55 | 6.44 | 7.90 | 6.60 | 3.26 | 7.60 |
| EPS in Rs | 0.07 | 0.94 | 1.58 | 2.00 | 1.94 | 1.27 | 1.62 | 1.38 | 1.70 | 1.42 | 0.70 | 1.63 |
| Dividend Payout % | 0.00% | 21.33% | 15.20% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | 23% | -6% | -2% | 16% | ||
| Compounded Profit Growth | 27% | -11% | -20% | -12% | ||
| Stock Price CAGR | 23% | 20% | 41% | 10% | ||
| Return on Equity | 6% | 5% | 5% | 2% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 9.32 | 9.32 | 9.32 | 9.32 | 9.32 | 9.32 | 9.32 | 9.32 | 9.32 | 9.32 | 46.61 | 46.61 |
| Reserves | 61.39 | 61.70 | 66.07 | 72.31 | 80.50 | 89.86 | 95.78 | 103.33 | 109.94 | 117.81 | 86.59 | 89.79 |
| Borrowing | 6.09 | 32.86 | 105.59 | 243.88 | 340.40 | 66.74 | 69.30 | 44.07 | 33.36 | 26.63 | 26.76 | 53.98 |
| Other Liabilities | 0.09 | 0.25 | 1.49 | 2.25 | 2.70 | 1.90 | 3.86 | 2.06 | 1.50 | 1.61 | 1.63 | 1.04 |
| Total Liabilities | 76.89 | 104.13 | 182.47 | 327.76 | 432.92 | 167.82 | 178.26 | 158.78 | 154.12 | 155.37 | 161.59 | 191.42 |
| Fixed Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.73 | 0.71 | 0.51 | 0.36 | 0.39 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 67.95 | 41.15 | 20.50 | 20.50 | 20.03 | 0.27 | 0.27 | 0.26 | 9.72 | 13.31 | 36.37 | 77.14 |
| Other Assets | 8.94 | 62.98 | 161.97 | 307.26 | 412.89 | 167.55 | 177.99 | 157.79 | 143.69 | 141.55 | 124.86 | 113.89 |
| Total Assets | 76.89 | 104.13 | 182.47 | 327.76 | 432.92 | 167.82 | 178.26 | 158.78 | 154.12 | 155.37 | 161.59 | 191.42 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -6.09 | -53.44 | -85.69 | -136.36 | -95.97 | 253.61 | -1.47 | 24.96 | 20.63 | 10.35 | 28.81 | 15.29 |
| Cash from Investing Activity | 0.00 | 26.80 | 20.65 | 0.00 | 0.00 | 20.05 | 0.00 | -0.83 | -9.63 | -3.71 | -24.35 | -42.53 |
| Cash from Financing Activity | 6.01 | 26.77 | 64.83 | 137.17 | 95.17 | -273.66 | 2.56 | -25.24 | -10.71 | -6.73 | 0.13 | 27.22 |
| Net Cash Flow | -0.08 | 0.13 | -0.21 | 0.81 | -0.80 | 0.00 | 1.09 | -1.11 | 0.30 | -0.09 | 4.60 | -0.02 |
| Free Cash Flow | -6.09 | -53.44 | -85.69 | -136.36 | -95.97 | 253.61 | -1.47 | 24.13 | 20.40 | 10.31 | 28.79 | 15.12 |
| CFO/OP | -4,669% | -2,941% | -706% | -571% | -285% | 1,228% | 6% | 208% | 183% | 87% | 272% | 209% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 63.08% | 63.08% | 63.08% | 63.08% | 63.08% | 63.08% | 63.08% | 63.08% | 63.08% | 63.08% | 63.08% | 63.08% |
| Public | 36.92% | 36.93% | 36.93% | 36.93% | 36.93% | 36.93% | 36.93% | 36.92% | 36.93% | 36.93% | 36.93% | 36.92% |
| No. of Shareholders | 845 | 898 | 889 | 881 | 896 | 1,024 | 3,351 | 3,064 | 2,982 | 2,877 | 2,773 | 2,635 |
Fundamentals
Market Cap₹ 160 Cr.
Current Price₹ 34.4
Stock P/E21.1
Book Value₹ 29.3
ROCE4.73 %
ROE2.42 %
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)16%
Compounded Profit Growth (TTM)-12%
Standalone figures.
Valuation
Market capRs 176 Cr
Enterprise valueRs 216 Cr
P/E (TTM)23.22x
Price to book1.29x
Price to sales7.65x
EV / EBITDA13.89x
EV / EBIT14.01x
EV / sales9.34x
Price to cash flow11.54x
Earnings yield4.31%
P/E, 3-year average27.70x
P/B, 3-year average0.94x
P/E, 5-year average17.12x
P/B, 5-year average0.59x
Profitability
Operating margin (excl. other income)53.87%
Operating margin (incl. other income)53.87%
EBITDA margin67.29%
Pre-tax margin50.17%
Net profit margin32.93%
Net margin, latest quarter66.27%
ROE2.42%
ROCE4.73%
ROA1.85%
ROE, 3-year average4.63%
ROCE, 3-year average7.11%
ROA, 3-year average3.71%
ROE, 5-year average5.28%
ROCE, 5-year average7.68%
ROA, 5-year average3.94%
ROIC (approx.)5.76%
Tax rate34.27%
Growth
Sales growth (latest year)-8.11%
Profit growth (latest year)-50.61%
Sales CAGR, 3 years-1.79%
Sales CAGR, 5 years-6.49%
Profit CAGR, 3 years-20.30%
Profit CAGR, 5 years-11.28%
Sales growth QoQ-1550.49%
Sales growth YoY (latest quarter)103.27%
Profit growth YoY (latest quarter)132.39%
Per share
EPS (TTM)Rs 1.63
EPS (latest year)Rs 0.70
EPS (latest quarter)Rs 2.12
EPS, 3-year averageRs 3.53
EPS, 5-year averageRs 5.12
Book value per shareRs 29.26
Sales per shareRs 4.95
Cash flow per shareRs 3.28
Free cash flow per shareRs 3.24
Efficiency
Asset turnover0.08x
Fixed asset turnover40.08x
Leverage
Total debtRs 54 Cr
Cash and bankRs 15 Cr
Net debtRs 39 Cr
Debt to equity0.40x
Net debt / EBITDA2.52x
Interest coverage4.04x
Owners' fund to total sources71.26%
Debt to assets28.20%
Cash flow
Cash from Operating Activity (latest year)Rs 15 Cr
Cash from Investing Activity (latest year)Rs -43 Cr
Cash from Financing Activity (latest year)Rs 27 Cr
Net Cash Flow (latest year)Rs -0 Cr
Free cash flow (latest year)Rs 15 Cr
FCFE (approx.: FCF + change in debt)Rs 42 Cr
Cash from ops / profit, 5 years3.15x
Sales to cash flow1.02x
Statement figures
Net sales (TTM)Rs 23 Cr
Net sales (latest year)Rs 16 Cr
Sales (latest quarter)Rs 15 Cr
Operating profit excl. other income (latest year)Rs 8 Cr
Operating profit (latest quarter)Rs 13 Cr
EBITDA (TTM)Rs 16 Cr
PBDT (TTM)Rs 12 Cr
Profit before tax (TTM)Rs 12 Cr
Tax (latest year)Rs 2 Cr
Net profit (TTM)Rs 8 Cr
Net profit (latest year)Rs 3 Cr
Net profit (latest quarter)Rs 10 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 4 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 7 Cr
Total income (latest year)Rs 16 Cr
Share capitalRs 47 Cr
ReservesRs 90 Cr
Shareholders' fundsRs 136 Cr
Total assetsRs 191 Cr
Net blockRs 0 Cr
InvestmentsRs 77 Cr
Other liabilitiesRs 1 Cr
Shares outstanding (crore)4.66
Ownership
Promoter holding63.08% (+0.00 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 23.2 is at the 86th percentile of its own 9.2-year range
(median 9.0, low 2.7, high 98.1).
P/B 1.29 is at the 83th percentile (median 0.63).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | 538714 | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | +3.2% | -2.8% | +6.0 pts |
| 1 month | -4.4% | -6.8% | +2.4 pts |
| 3 months | -5.2% | -7.6% | +2.4 pts |
| 3 years | +211.9% | +14.2% | +197.7 pts |
| 5 years | +178.4% | +27.9% | +150.5 pts |
Red flags
F-score 4 of 8| explain | Debt up, profit down Borrowings up 102% while net profit fell in 2026 |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹15 Cr +103.3% vs Jun 2025.
Net profit ₹10 Cr +132.4%.
Activity
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|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of Sangam Finserv Ltd?
Sangam Finserv Ltd (538714) has a market capitalisation of Rs 160 Cr. at the 2026-10-01 close.
What is the P/E ratio of Sangam Finserv Ltd?
Sangam Finserv Ltd trades at a P/E of 21.1 on trailing twelve-month profit, at the 2026-10-01 close.
What were Sangam Finserv Ltd's latest quarterly results?
In the Jun 2026 quarter, Sangam Finserv Ltd revenue was Rs 15 Cr (+103.3% vs Jun 2025) and net profit was Rs 10 Cr.