| Margins | Cost of funds declining from 10.5% to target 9.3% by year-end. |
|---|---|
| Demand visibility | Strong; targeting 15+ product boxes by end of next year. |
| Management confidence | High; 100% confidence in hitting disbursement and recovery projections. |
Growth
AUM increased to INR 56,239 Cr; Q1 disbursements reached INR 3,875 Cr. Q1 PAT at INR 243 Cr.
Outlook
Disbursement target of INR 30,000 Cr for FY27 and INR 40,000-50,000 Cr for FY28. Target cost-to-income 30-35% by FY29.
Risks
Transition from monoline to multi-product; high current cost of funds relative to AAA peers.
Last quarter's promises, checked
Delivered
- Guided Q3 PAT ~INR 302 Cr → delivered INR 314 Cr (= BEAT)
- Guided GNPA 1.3% → delivered 1.2% (= BEAT)
- Guided NNPA 0.8% → delivered 0.7% (= BEAT)
Partly delivered
- Guided recovery INR 400-500 Cr/qtr → Q1 FY27 PAT suggests partial progress (= PARTIAL)
Missed
- Guided AUM INR 44,000 Cr → delivered INR 56,239 Cr (= MISS)
- Guided PAT growth → delivered INR 243 Cr in Q1 FY27 (= MISS)
Investor Presentation filed with BSE, 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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