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Sammaan Capital Limited (SAMMAANCAP) fair value: what the stock is really worth

As of Oct 29, 2026: fair value (intrinsic value) of Sammaan Capital Limited stock ₹94.29, price ₹121, upside -22.2%, quality 26 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

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Financial Services IN

SC Sammaan Capital Limited logo Thin data Oct 29, 2026

Sammaan Capital Limited

SAMMAANCAP · NSE
Expensive, weak quality

Our calculation puts a fair price 22% below what the stock costs today.

Revenue last quarter 25% below a year ago.
Fair value ₹94.29 · Overvalued (−22.2%)
Quality 26/100
Weak Growth (revenue 5y −3.6 %/yr in INR)
Loss-making · -87.2% net margin (FY2026)
High debt
Negative free cash flow
Trails peers (1/8)
Narrow moat 26/100 · thin data
Thin data
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹281.73 ₹90.16 Fair Value ₹94.29 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year. As of Oct 29, 2026.

How to read this chart

60‑month range ₹90.16 – ₹281.73 · fair‑value band ₹70.36 – ₹140.73 · the ₹121.13 price screens above the ₹94.29 fair value. As of Oct 29, 2026.

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Company profile

Sammaan Capital Limited, together with its subsidiaries, operates as a non-banking financial company in India.

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It is involved in the business of providing finance, as well as undertakes lending and finance to persons, co-operative society, association of persons, body of individuals, companies, institutions, and firms; builders, developers, contractors, and tenants; construction, erection, building, repair, remodeling, development, improvement, purchase of houses, apartments, flats, bungalows, rooms, huts, townships, and other buildings; finance to equip amenities or conveniences, drainage facility, electric, telephonic, television, and other installations; and for purchase free hold or lease hold lands, estate or interest in property.

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 (SAMMAANCAP) currently trades at ₹121.13, while our model-based Fair Value estimate is ₹94.29, 22.2% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 96/100, which puts the data coverage at low.

Scenario range: ₹70.36 (bear) to ₹140.73 (bull), the price of ₹121.13 sits inside 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 26/100 (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 ₹81.9B in FY2026 versus ₹87.4B in FY2022, a compound −1.6%/yr. Reported net income was −₹71.4B in FY2026.

Key figures

Market cap ₹137B (≈ $1.4B) Small · EPS (TTM) ₹−89.42 · Net margin −87.2% · Return on equity −35.0% · Return on assets (EBIT) 0.0% · Operating margin 53.0% · Revenue (TTM) −₹12.6B · Revenue growth (YoY) −24.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 26 out of 100 (low confidence).

What moves the price

The share trades about 36% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 12% fair-value upside, at −22%, SAMMAANCAP screens richer than that median.

Fair Value models

Bear ₹70.36 Fair Value ₹94.29 Bull ₹140.73
Price ₹121.13 · Upside -22.2%
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.
Best data coverage
NCAV (Graham) ₹82.78 ₹110.93 ₹165.57 54
All 1 models by family
Asset-Based
NCAV (Graham) ₹82.78 ₹110.93 ₹165.57 54

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 26/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 4
How much profit the company makes from its sales and capital
Quality Growth 45
Are margins and returns getting better?
Cashflow 17
Do the profits arrive as real cash?
Financial strength 26
Debt, balance sheet and risk of trouble
Investment 95
Does it invest with discipline instead of growing at any price?
Low Volatility 71
How calm the share price moves, does not count
Momentum 15
Price trend of the last 3 to 12 months, does not count
Near the 52-week high 6
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 6/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+15.5%
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.
−1.2%
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.
−3.6%
Start year 2021 (pandemic). Over 10 years: −1.0% a year
Revenue growth 20 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.
+14.0%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
15.9% (2021) → −14.8% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

SAMMAANCAP screens overvalued: fair value 22% below the price. Compare with Rocket Companies, Inc →

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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 · 61 stocks

Beats the industry median on 1/7 measures
Overall it trails its industry peers.
Valuation
Quality Score 26 · Bottom 25%
Fair Value upside −22.2% · Below median
Profitability
Return on assets −9.6% · Bottom 25%
Net margin (12 months) −87.2% · Bottom 25%
Operating margin (12 months) 53.0% · Above median
Growth and dividend
Revenue growth (quarter YoY) −24.5% · Bottom 25%
Balance sheet
Debt / equity 2.52× · Above median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)4 · sector 58
FUTURE (revenue growth)0 · sector 37
PAST (return on equity)0 · sector 34
HEALTH (low debt)0 · sector 2
DIVIDEND (yield)0 · sector 86

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
LIC Housing Finance Limited LICHSGFIN ₹497.40 ₹994.80 +100% vs SAMMAANCAP
PennyMac Financial Services, Inc PFSI $64.41 $125.39 +95% vs SAMMAANCAP
PNB Housing Finance Limited PNBHOUSING ₹1,110 ₹1,329 +20% vs SAMMAANCAP
Aadhar Housing Finance Limited AADHARHFC ₹435.65 ₹521.20 +20% vs SAMMAANCAP
Federal National Mortgage Association FNMA $4.56 $5.09 +12% vs SAMMAANCAP
Walker & Dunlop, Inc WD $34.63 $32.19 −7% vs SAMMAANCAP
Bajaj Housing Finance Limited BAJAJHFL ₹77.64 ₹25.23 −68% vs SAMMAANCAP
Federal Home Loan Mortgage Corporation FMCKI $6.10 $1.50 −75% vs SAMMAANCAP
Rocket Companies, Inc RKT $11.84 $2.81 −76% vs SAMMAANCAP
UWM Holdings UWMC $1.49 $0.2200 −85% vs SAMMAANCAP

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Sammaan Capital Limited · Fair Value
₹94.29 −22%Fair Value
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Cite: Fair Value Calculator (2026). "Sammaan Capital Limited Fair Value". https://www.fairvalue-calculator.com/stock/SAMMAANCAP

Frequently asked questions

Is Sammaan Capital Limited (SAMMAANCAP) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of ₹94.29 versus a price of ₹121.13, about −22% upside (overvalued).
What is the fair value of SAMMAANCAP?
Our model-based fair value for Sammaan Capital Limited is ₹94.29 (as of Oct 29, 2026), built from audited fundamentals. The current price: ₹121.13.
What is the quality score of SAMMAANCAP?
Sammaan Capital Limited has a Quality Score of 26/100. 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 (SAMMAANCAP)?
Our model-based price target is the fair value of ₹94.29 (as of Oct 29, 2026) from 1 valuation models. Cautious scenario ₹70.36, optimistic scenario ₹140.73. 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 ₹94.29, about −22% upside versus a price of ₹121.13 (overvalued). Cautious scenario ₹70.36, optimistic scenario ₹140.73. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Sammaan Capital Limited (SAMMAANCAP)?
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 ₹94.29 per share (as of Oct 29, 2026), against a price of ₹121.13. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Sammaan Capital Limited stock overvalued or undervalued in 2026?
As of Oct 29, 2026, SAMMAANCAP trades above its calculated fair value: price ₹121.13, fair value ₹94.29, a gap of about −22% (overvalued). 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 SAMMAANCAP?
No. The price is what the market pays today (₹121.13); the fair value is what the company's own numbers justify (₹94.29). For Sammaan Capital Limited the two are ₹26.84 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 ₹137B (market capitalisation, as of Oct 29, 2026). Per share that is ₹121.13; our models calculate a fair value of ₹94.29 per share.
What do the bullish and bearish scenarios say about SAMMAANCAP?
Our models span a range for Sammaan Capital Limited: cautious scenario ₹70.36, base ₹94.29, optimistic ₹140.73 per share (as of Oct 29, 2026, price ₹121.13). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Sammaan Capital Limited (SAMMAANCAP)?
Balance-sheet figures for Sammaan Capital Limited (as of Oct 29, 2026): return on equity −35.0%, debt of 2.52 per unit of equity. They feed the Quality Score of 26/100, which measures business quality independently of the share price.
How far is SAMMAANCAP from its 52-week high?
Sammaan Capital Limited trades at ₹121.13, about 36% below its 52-week high of ₹189.93 and 8% above the low of ₹112.56 (as of Oct 29, 2026). Distance from the high says nothing about value: that is what the fair value of ₹94.29 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 29, 2026: price ₹121.13, calculated fair value ₹94.29 (−22%), Quality Score 26/100, from 1 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 SAMMAANCAP calculated?
We run Sammaan Capital Limited through 1 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 ₹94.29, 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 13.1 % above its aggregate fair value. Sammaan Capital Limited itself currently trades above fair value. 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 (SAMMAANCAP)?
The closing price on Oct 29, 2026 was ₹121.13. Our model-based fair value is ₹94.29, about −22% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sammaan Capital Limited right now?
Weak quality (26/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (₹70.36 to ₹140.73) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 (SAMMAANCAP)?
The market capitalisation of Sammaan Capital Limited is ₹137B (≈ $1.4B). 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 are the earnings per share of Sammaan Capital Limited (SAMMAANCAP)?
Earnings per share at Sammaan Capital Limited are ₹−89.42. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Sammaan Capital Limited (SAMMAANCAP)?
The net margin of Sammaan Capital Limited is −87.2% (fiscal year 2026). 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 (SAMMAANCAP)?
The return on equity (ROE) of Sammaan Capital Limited is −35.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Sammaan Capital Limited (SAMMAANCAP)?
On an EBIT basis the return on assets of Sammaan Capital Limited is 0.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Sammaan Capital Limited (SAMMAANCAP)?
The operating margin of Sammaan Capital Limited is 53.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much revenue does Sammaan Capital Limited (SAMMAANCAP) generate?
Sammaan Capital Limited generates revenue of −₹12.6B (last twelve months). Revenue of the last twelve months (TTM), the most recent full year, not the calendar year.
How fast is revenue growing at Sammaan Capital Limited (SAMMAANCAP)?
Revenue at Sammaan Capital Limited is growing −24.5% versus a year earlier (3y avg −1.2%). 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 (SAMMAANCAP)?
Earnings per share at Sammaan Capital Limited are growing −50.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Sammaan Capital Limited (SAMMAANCAP) generate?
The free cash flow of Sammaan Capital Limited is −₹91.3B (fiscal year 2026). 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 (SAMMAANCAP) carry?
The net debt of Sammaan Capital Limited is ₹409B (fiscal year 2026). 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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