Sangam Finserv (BSE: SANGAMFIN) had a P/E of 18.5× on 6 Nov 2026, and the shares are 40% below their 52-week high. Its ROE of 2.4% is the lowest among the 7 largest Credit Services peers, and net profit fell 20% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.03× book value. It is a small-cap company with a market cap of ₹140 Cr, ranked 79th of 193 Credit Services companies by market cap; the shares fell 8.5% over the past year.
- ₹29.42
- ₹30.01
- ₹29.42
- ₹30.02
- 441
Health check
- ReturnsIn line
−8.5% over a year, better than 3 of 7 peers.
- Price tagCheaper
P/B 1.03 vs peer median 2.62.
- GrowthShrinking
Profit −20.3% a year over 3 years.
- ProfitabilityWeak
ROE 2.4% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags2 to check
Return on equity is low at 2.4%.
Small cap
Market sensitivity
Key metrics
- Market cap
- ₹140 Cr
- Small cap
- P/E
- 18.5
- Industry 15.5
- Price to book
- 1.03
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 2.4%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹1.62
- OPM (TTM)
- 88.1%
- Net margin 45.8%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +132.3%
- Latest quarter vs a year ago
- Price to sales
- 7.21
Strengths and risks
Strengths
- Quarterly profit up 132.3% on a year ago.
Risks to check
- Return on equity is low at 2.4%.
- 40% below its 52-week high.
About Sangam Finserv
Sangam Finserv Limited, a non-banking finance company, engages in lending and investment activities in India. It offers secured business and corporate loans; and invests in shares, securities, and other financial instruments. The company was formerly known as Suchitra Finance & Trading Company Limited and changed its name to Sangam Finserv Limited in June 2023. Sangam Finserv Limited was incorporated in 1981 and is based in Mumbai, India. Sangam Finserv…
- Headquarters
- Mumbai
- Employees
- 40
- Sector
- Financial Services
- ISIN
- INE475D01010
- Website
- sftc.co.in
Price range
- Avg volume (3M)
- 2.4K
- 1-year return
- minus 8.5%
- From 52-week high
- minus 40.0%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| SANGAMFINSangam Finserv | 30.01 | minus 0.03% | 140 | 18.5 | 1.03 | 2.4% | – | −20.3% | 0.00% | minus 8.5% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 6.7 | 4.2 | 3.8 | −2.3 | 13.7 | |
| 0.7 | 0.7 | 0.6 | 1.3 | 1.2 | |
| 0 | 0 | 0 | 0 | 0 | |
| 5.5 | 2 | 2 | −4.5 | 12.1 | |
| 22.3% | 6.8% | 35.4% | −20.7% | 18.3% | |
| 4.3 | 1.9 | 1.3 | −5.5 | 9.9 | |
| 0.91 | 0.40 | 0.28 | -1.18 | 2.12 |
Profit & loss
- Profit CAGR 3Y
- −20.3%
- EPS CAGR 3Y
- −20.3%
- ROE
- 2.4%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 12.5 | 15 | 14.5 | 12.3 | |
| – | +20.2% | minus 3.9% | minus 15.3% | |
| 4 | 3.5 | 2.4 | 3.3 | |
| 0.3 | 0.2 | 0.2 | 0.1 | |
| 9.2 | 10.6 | 9.2 | 5 | |
| 29.9% | 25.4% | 28.3% | 34.3% | |
| 6.4 | 7.9 | 6.6 | 3.3 | |
| – | +22.7% | minus 16.5% | minus 50.6% | |
| 1.38 | 1.70 | 1.42 | 0.70 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 9.3 | 9.3 | 46.6 | 46.6 | |
| 110 | 118 | 86.6 | 89.8 | |
| 33.4 | 26.6 | 26.8 | 54 | |
| 1.5 | 1.6 | 1.6 | 1 | |
| 154 | 155 | 162 | 191 | |
| 0.6 | 0.5 | 0.3 | 0.4 | |
| 9.7 | 13.3 | 36.4 | 77.2 | |
| 0.4 | 0.3 | 4.8 | 4.8 | |
| 143 | 141 | 120 | 109 | |
| 154 | 155 | 162 | 191 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 20.6 | 10.4 | 28.8 | 15.3 | |
| −9.6 | −3.7 | −24.3 | −42.5 | |
| −10.7 | −6.7 | 0.1 | 27.2 | |
| 0.3 | −0.1 | 4.6 | −0 | |
| −0.2 | −0 | −0 | −0.2 | |
| 20.4 | 10.3 | 28.8 | 15.1 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.
Major shareholders
Filings & events
News
No recent news coverage found.