| Management target | Revenue FY30 |
|---|
| Margins | Declining cost of funds from 10.0% to targeted 7.8% by FY30. |
|---|---|
| Demand visibility | Strong retail demand; targeting ₹50k-92k Cr annual disbursals by FY30. |
| Management confidence | High, supported by IHC Group and rating upgrades. |
Growth
PAT reached ₹243 Cr ($25.5 Mn); Disbursements stood at ₹3,875 Cr with 97% being secured loans.
Outlook
Targets AAA rating by FY28; plans to expand branch network from 270 to ~1,605 by FY30.
Risks
High stock cost of funds at 10.0%, though trending downwards; transition to new statutory auditors by 2027.
Last quarter's promises, checked
Delivered
- Guided PAT growth vs Q3FY25 loss → delivered ₹314 Cr PAT (= BEAT)
- Guided Gross NPA <1.3% → delivered 1.2% (= BEAT)
- Guided Net NPA <0.8% → delivered 0.7% (= BEAT)
Partly delivered
- Guided branch expansion to 10/quarter → delivered Calibrated pace (= PARTIAL)
Missed
- Guided cost of funds to <8% post-investment → delivered 10.0% (= MISS)
Investor Presentation filed with NSE, NSE: SAMMAANCAP. Summary written with AI assistance from the document.
Sammaan Capital Ltd: key numbers
- Share price
- ₹140.61
- Market cap
- ₹16,347 Cr
- Revenue (annual)
- ₹8,166 Cr
- Net profit (annual)
- ₹-7,145 Cr
- P/E (TTM)
- -2.3×Sector 22.0×
- Promoter holding
- 28.34%
- FII holding
- 19.60%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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