Sammaan Capital Limited (IBULHSGFIN) fair value: what the stock is really worth
As of Oct 19, 2026: fair value (intrinsic value) of Sammaan Capital Limited stock ₹214, price ₹126, upside +70.1%, quality 40 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.
How to read this chart
60‑month range ₹80.39 – ₹269.92 · fair‑value band ₹178.47 – ₹267.15 · the ₹125.65 price screens below the ₹213.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 2, 2026.
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Sammaan Capital Limited, together with its subsidiaries, operates as a non-banking financial company in India.
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It offers home, NRI home, home renovation and extension, and rural home loans, as well as home loan balance transfers; working capital loans for micro, small and medium enterprises; loan against property; and corporate mortgage loans; as well as emergency credit line guarantee schemes.
The company was formerly known as Indiabulls Housing Finance Limited and changed its name to Sammaan Capital Limited in May 2024. Sammaan Capital Limited is based in Mumbai, India.
Stock analysis
Sammaan Capital Limited (IBULHSGFIN) currently trades at ₹125.65, while our model-based Fair Value estimate is ₹213.72, implying the stock looks roughly 41.2% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of ₹368.33 per share, and 6 of the 8 models we run sit above the ₹125.65 price.
Bear case: the Earnings-Based group reads lowest at ₹136.63, and 2 of the 8 models stay below the price. Data coverage for this calculation is medium.
Scenario range: ₹178.47 (bear) to ₹267.15 (bull), the price of ₹125.65 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Sammaan Capital Limited reported revenue of ₹33.2B in FY2024 versus ₹45.9B in FY2020, a compound −7.8%/yr. Reported net income was ₹12.1B in FY2024, compounding −13.8%/yr from FY2020.
Key figures
Market cap ₹92.8B (≈ $978M) Small · P/E ratio 7.0 · P/S ratio 3.60 · EPS (TTM) ₹23.58 · Dividend yield 1.6% · Net margin 44.7% · Return on equity 6.6% · Return on assets 1.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (medium confidence).
What moves the price
The share trades about 34% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 14% fair-value upside, at 70%, IBULHSGFIN screens cheaper than that median.
Fair Value models
Bear₹178.47Fair Value ₹213.72Bull₹267.15
Price ₹125.65 · Upside +70.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.17/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+7.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−14.9%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
Compare Sammaan Capital Limited with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Mortgage Finance · 60 stocks
Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside+37.1% · Below median
Profitability
Return on equity (12 months)6.6% · Below median
Return on assets1.6% · Above median
Net margin (12 months)44.7% · Above median
Operating margin (12 months)40.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)1.2% · Below median
Dividend yield (12 months)1.6% · Bottom 25%
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Sammaan Capital Limited Fair Value". https://www.fairvalue-calculator.com/stock/IBULHSGFIN
Frequently asked questions
Is Sammaan Capital Limited (IBULHSGFIN) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of ₹213.72 versus a price of ₹125.65, about +70% upside (undervalued).
What is the fair value of IBULHSGFIN?
Our model-based fair value for Sammaan Capital Limited is ₹213.72 (as of Oct 2, 2026), built from audited fundamentals. The current price: ₹125.65.
What is the quality score of IBULHSGFIN?
Sammaan Capital Limited has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sammaan Capital Limited (IBULHSGFIN)?
Our model-based price target is the fair value of ₹213.72 (as of Oct 2, 2026) from 8 valuation models. Cautious scenario ₹178.47, optimistic scenario ₹267.15. It is a calculation from audited fundamentals, not an analyst target.
What is the Sammaan Capital Limited stock forecast for 2026?
Our models put fair value at ₹213.72, about +70% upside versus a price of ₹125.65 (undervalued). Cautious scenario ₹178.47, optimistic scenario ₹267.15. The calculation is refreshed regularly with new filings.
What is the revenue of Sammaan Capital Limited (IBULHSGFIN)?
Sammaan Capital Limited reported trailing-twelve-month revenue of about ₹27.2B (latest available figure, as of Oct 2, 2026).
Does Sammaan Capital Limited pay a dividend?
Sammaan Capital Limited currently shows a dividend yield of 1.59% relative to its recent price (as of Oct 2, 2026).
What is the intrinsic value of Sammaan Capital Limited (IBULHSGFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sammaan Capital Limited it is ₹213.72 per share (as of Oct 2, 2026), against a price of ₹125.65. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Sammaan Capital Limited stock overvalued or undervalued in 2026?
As of Oct 2, 2026, IBULHSGFIN trades below its calculated fair value: price ₹125.65, fair value ₹213.72, a gap of about +70% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of IBULHSGFIN?
No. The price is what the market pays today (₹125.65); the fair value is what the company's own numbers justify (₹213.72). For Sammaan Capital Limited the two are ₹88.07 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sammaan Capital Limited worth?
The market values Sammaan Capital Limited at about ₹92.8B (market capitalisation, as of Oct 2, 2026). Per share that is ₹125.65; our models calculate a fair value of ₹213.72 per share.
What do the bullish and bearish scenarios say about IBULHSGFIN?
Our models span a range for Sammaan Capital Limited: cautious scenario ₹178.47, base ₹213.72, optimistic ₹267.15 per share (as of Oct 2, 2026, price ₹125.65). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IBULHSGFIN?
Sammaan Capital Limited trades at a price-to-earnings ratio of 7.0 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹213.72 is built from several models across several years. Other multiples: P/B 0.5, P/S 3.6.
How solid is the balance sheet of Sammaan Capital Limited (IBULHSGFIN)?
Balance-sheet figures for Sammaan Capital Limited (as of Oct 2, 2026): return on equity 6.6%. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is IBULHSGFIN from its 52-week high?
Sammaan Capital Limited trades at ₹125.65, about 34% below its 52-week high of ₹189.90 and at the low of ₹125.65 (as of Oct 19, 2026). Distance from the high says nothing about value: that is what the fair value of ₹213.72 is for.
Which stocks are comparable to Sammaan Capital Limited?
From the same area (Financial Services) we also value Rocket Companies, Inc, Bajaj Housing Finance Limited, Federal Home Loan Mortgage Corporation, Federal National Mortgage Association, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sammaan Capital Limited stock attractive at the current price?
The data as of Oct 2, 2026: price ₹125.65, calculated fair value ₹213.72 (+70%), Quality Score 40/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of IBULHSGFIN calculated?
We run Sammaan Capital Limited through 8 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹213.72, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.9 % above its aggregate fair value. Sammaan Capital Limited currently trades 41 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sammaan Capital Limited (IBULHSGFIN)?
The closing price on Oct 19, 2026 was ₹125.65. Our model-based fair value is ₹213.72, about +70% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sammaan Capital Limited right now?
The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (₹178.47). The market is more pessimistic than our downside scenario. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Sammaan Capital Limited
How large is the market capitalisation of Sammaan Capital Limited (IBULHSGFIN)?
The market capitalisation of Sammaan Capital Limited is ₹92.8B (≈ $978M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sammaan Capital Limited (IBULHSGFIN)?
The price-to-sales ratio of Sammaan Capital Limited is 3.60 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sammaan Capital Limited (IBULHSGFIN)?
Earnings per share at Sammaan Capital Limited are ₹23.58 (price ÷ EPS = P/E 7.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Sammaan Capital Limited (IBULHSGFIN)?
The dividend yield of Sammaan Capital Limited is 1.6% (payout 8.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Sammaan Capital Limited (IBULHSGFIN)?
The net margin of Sammaan Capital Limited is 44.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sammaan Capital Limited (IBULHSGFIN)?
The return on equity (ROE) of Sammaan Capital Limited is 6.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Sammaan Capital Limited (IBULHSGFIN)?
The return on assets (ROA) of Sammaan Capital Limited is 1.6% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Sammaan Capital Limited (IBULHSGFIN)?
The operating margin of Sammaan Capital Limited is 40.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sammaan Capital Limited (IBULHSGFIN)?
Revenue at Sammaan Capital Limited is growing +1.2% versus a year earlier (3y avg +3.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sammaan Capital Limited (IBULHSGFIN)?
Earnings per share at Sammaan Capital Limited are growing −2.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Sammaan Capital Limited (IBULHSGFIN) generate?
The free cash flow of Sammaan Capital Limited is −₹1.8B (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Sammaan Capital Limited (IBULHSGFIN) carry?
The net debt of Sammaan Capital Limited is ₹441B (fiscal year 2024). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Oct 2, 2026