SAMMAANCAP

Sammaan Capital Limited

Housing finance company offering home loans and retail mortgage products under IHC group

Financial Services›Financial Services›Finance›Housing Finance Company

sammaancapital.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹133.86
Market cap
15,290 Cr
Stock P/E
Loss (TTM EPS ₹-91.65)
P/B
0.81
Dividend yield
0.0%
ROE (FY26)
-37.6%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Sammaan Capital (formerly Indiabulls Housing Finance) is a lender focused on secured, mortgage-backed loans, such as home loans and loans against property, sold through a branch network and digital channels in India.

Company snapshot

5thBy market cap

Ranked among 14 companies in Housing Finance Company.

What we see

Concerns
  • ✗Net margin is negative — the company is spending more than it earns right now.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income—350 Cr281 Cr380 Cr—697 Cr444 Cr368 Cr163 Cr42 Cr-574 Cr-257 Cr
Other income15 Cr69 Cr51 Cr30 Cr3 Cr3 Cr25 Cr9 Cr10 Cr0.33 Cr4 Cr31 Cr
Net operating income15 Cr419 Cr332 Cr409 Cr3 Cr699 Cr469 Cr377 Cr173 Cr43 Cr-570 Cr-226 Cr
Employee cost151 Cr152 Cr150 Cr153 Cr204 Cr180 Cr201 Cr184 Cr202 Cr103 Cr184 Cr177 Cr
Other expenses40 Cr45 Cr72 Cr59 Cr135 Cr72 Cr112 Cr74 Cr98 Cr182 Cr113 Cr65 Cr
Provisions & contingencies————————————
Depreciation23 Cr23 Cr21 Cr19 Cr20 Cr20 Cr25 Cr21 Cr21 Cr21 Cr25 Cr20 Cr
Profit before tax422 Cr399 Cr431 Cr437 Cr-3,685 Cr417 Cr455 Cr468 Cr425 Cr419 Cr-10,097 Cr326 Cr
Tax %29.3%24.2%25.9%25.3%25.1%27.5%28.8%28.6%27.4%25.1%19.8%25.4%
Net profit298 Cr303 Cr319 Cr327 Cr-2,761 Cr302 Cr324 Cr334 Cr308 Cr314 Cr-8,101 Cr243 Cr
EPS (₹)₹6.54₹6.37₹5.70₹5.43₹-44.23₹4.17₹4.11₹4.10₹3.79₹3.86₹-99.10₹2.13

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income——5,803 Cr3,037 Cr2,783 Cr2,341 Cr2,040 Cr1,477 Cr2,388 Cr-31 CrSign in free for the trailing twelve months
Other income1,292 Cr1,578 Cr7 Cr7 Cr103 Cr11 Cr7 Cr150 Cr60 Cr24 CrSign in free for the trailing twelve months
Net operating income1,292 Cr1,578 Cr5,811 Cr3,043 Cr2,885 Cr2,352 Cr2,046 Cr1,627 Cr2,448 Cr-7 CrSign in free for the trailing twelve months
Employee cost500 Cr581 Cr777 Cr605 Cr253 Cr468 Cr515 Cr619 Cr738 Cr673 CrSign in free for the trailing twelve months
Other expenses985 Cr1,393 Cr300 Cr255 Cr223 Cr187 Cr219 Cr197 Cr377 Cr468 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation23 Cr37 Cr43 Cr108 Cr97 Cr77 Cr86 Cr85 Cr83 Cr88 CrSign in free for the trailing twelve months
Profit before tax3,772 Cr4,976 Cr5,637 Cr2,595 Cr1,562 Cr1,556 Cr1,606 Cr1,646 Cr-2,376 Cr-8,784 CrSign in free for the trailing twelve months
Tax %22.9%23.1%27.4%15.2%23.1%24.3%29.7%26.2%23.9%18.7%Sign in free for the trailing twelve months
Net profit2,909 Cr3,847 Cr4,091 Cr2,200 Cr1,202 Cr1,178 Cr1,130 Cr1,214 Cr-1,807 Cr-7,145 CrSign in free for the trailing twelve months
EPS (₹)₹68.80₹90.51₹95.83₹51.70₹27.72₹26.42₹25.19₹23.78₹-26.70₹-87.72Sign in free for the trailing twelve months
Dividend payout %————34.7%-1.3%0.1%4.9%——Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital85 Cr85 Cr85 Cr84 Cr89 Cr89 Cr90 Cr113 Cr163 Cr229 Cr
Reserves12,038 Cr13,338 Cr16,397 Cr15,454 Cr16,045 Cr16,585 Cr17,272 Cr19,679 Cr21,660 Cr18,763 Cr
Borrowings72,149 Cr93,808 Cr1,05,756 Cr79,674 Cr68,805 Cr61,359 Cr52,403 Cr48,493 Cr42,726 Cr51,604 Cr
Other liabilities19,434 Cr24,671 Cr7,866 Cr7,660 Cr8,299 Cr3,940 Cr5,181 Cr4,781 Cr5,633 Cr3,648 Cr
Total liabilities1,03,705 Cr1,31,903 Cr1,30,104 Cr1,02,872 Cr93,238 Cr81,973 Cr74,945 Cr73,066 Cr70,181 Cr74,243 Cr
Fixed assets (net)90 Cr100 Cr135 Cr121 Cr83 Cr67 Cr78 Cr101 Cr91 Cr100 Cr
CWIP——0 Cr0 Cr0 Cr—0 Cr0 Cr0 Cr0 Cr
Investments13,617 Cr14,871 Cr19,717 Cr12,277 Cr6,146 Cr5,546 Cr5,370 Cr7,225 Cr14,219 Cr17,518 Cr
Loans & advances——92,387 Cr70,211 Cr65,407 Cr59,950 Cr55,831 Cr53,013 Cr44,915 Cr36,026 Cr
Trade receivables14 Cr31 Cr36 Cr29 Cr24 Cr9 Cr28 Cr15 Cr14 Cr19 Cr
Cash & bank5,683 Cr4,748 Cr13,903 Cr13,565 Cr13,124 Cr7,986 Cr3,698 Cr2,814 Cr3,350 Cr9,027 Cr
Other assets84,301 Cr1,12,154 Cr3,927 Cr6,669 Cr8,454 Cr8,415 Cr9,940 Cr9,899 Cr7,592 Cr11,553 Cr
Total assets1,03,705 Cr1,31,903 Cr1,30,104 Cr1,02,872 Cr93,238 Cr81,973 Cr74,945 Cr73,066 Cr70,181 Cr74,243 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-17,845 Cr-23,954 Cr21,206 Cr19,331 Cr7,089 Cr657 Cr4,001 Cr-123 Cr8,772 Cr-7,466 Cr
Cash from investing-2,107 Cr473 Cr-4,220 Cr8,265 Cr3,103 Cr1,649 Cr884 Cr1,590 Cr-5,578 Cr-1,540 Cr
Cash from financing22,591 Cr22,599 Cr-7,335 Cr-27,934 Cr-10,632 Cr-7,444 Cr-9,142 Cr-2,383 Cr-2,373 Cr14,684 Cr
Net cash flow2,638 Cr-883 Cr9,650 Cr-338 Cr-440 Cr-5,138 Cr-4,257 Cr-916 Cr821 Cr5,678 Cr
Free cash flow (OCF − Capex)-17,901 Cr-24,000 Cr21,105 Cr19,299 Cr7,054 Cr637 Cr3,952 Cr-182 Cr8,722 Cr-7,519 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %24.0%28.7%24.8%14.2%7.4%7.1%6.5%6.1%-8.3%-37.6%
Debt / equity5.956.996.425.134.263.683.022.451.962.72