Sangam Finserv Ltd Stock Price Today (NSE: SANGAMFIN)
Fundamental Score
Sangam Finserv Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Sangam Finserv Ltd share price today is ₹40.53, up +0.00% on NSE/BSE as of 18 February 2026. Sangam Finserv Ltd (SANGAMFIN) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹150.98 (Cr). The 52-week high for SANGAMFIN share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 18.73x, SANGAMFIN is currently trading below its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 5.07% and a debt-to-equity ratio of 0.21.
Sangam Finserv Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Sangam Finserv Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Sangam Finserv Share Price: A Risk Management Perspective
Understanding the financial stability of Non-Banking Financial Companies (NBFCs) is crucial, particularly given their reliance on funding markets and sensitivity to interest rate fluctuations. Evaluating the Sangam Finserv share price necessitates a thorough examination of its financial health and competitive positioning within the sector. Currently trading at ₹38.939999, with a PE ratio of 18.73, Sangam Finserv requires a deeper dive beyond surface-level metrics.
A key concern is the Return on Capital Employed (ROCE) of 7.4%. While positive, it suggests limited profitability in relation to the capital invested in the business. This relatively low ROCE can impact the company's ability to reinvest in growth initiatives and creates a smaller economic moat compared to competitors who generate higher returns. This analysis is part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra.
Comparing Sangam Finserv to its sector peers is essential. While this analysis does not provide specific data on Apollo Finvest or Bengal & Assam, a general assessment would involve comparing profitability ratios, asset quality, and management efficiency. For instance, considering a qualitative factor like management quality, how does Sangam Finserv's leadership and strategic vision compare to that of
Apollo Finvest? A strong management team capable of navigating economic cycles and adapting to regulatory changes is a significant indicator of long-term sustainability. This observational analysis suggests that future investigation is needed to benchmark management expertise. This can be achieved via comparative analysis of recent investments from the management's side and a peer review of the company's leaders.Ultimately, evaluating the financial stability associated with Sangam Finserv's share price requires a holistic view, considering its ROCE, PE ratio, competitive positioning, and qualitative factors like management effectiveness. Further analysis is required, particularly focused on asset quality, funding sources, and the overall risk management framework to assess the long-term viability and investment risk associated with Sangam Finserv.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Sangam Finserv Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SANGAMFIN across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (83.32%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Conservative Debt Levels (D/E: 0.21)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Interest Coverage (5.36x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
Strong Cash Generation (₹82.16 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (63.08%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Below-Average Return on Equity (5.07%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (7.40%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Profit Decline Concern (-24.10%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Limited Growth History (-4.67% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Weak Earnings Growth (-6.14% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (-6.14% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Sangam Finserv Ltd Financial Statements
Comprehensive financial data for Sangam Finserv Ltd including income statement, balance sheet and cash flow
About SANGAMFIN (Sangam Finserv Ltd)
Sangam Finserv Ltd (SANGAMFIN) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (NBFC) sector with a current market capitalisation of ₹150.98 (Cr). Sangam Finserv Ltd has delivered a Return on Equity (ROE) of 5.07% and a ROCE of 7.40%. The debt-to-equity ratio stands at 0.21, reflecting the company's capital structure. Investors tracking SANGAMFIN share price can monitor key metrics including P/E ratio, promoter holding of 63.08%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
SANGAMFIN Share Price: Frequently Asked Questions
What is the current share price of Sangam Finserv Ltd (SANGAMFIN)?
As of 18 Feb 2026, 06:29 am IST, Sangam Finserv Ltd share price is ₹40.53. The SANGAMFIN stock has a market capitalisation of ₹150.98 (Cr) on NSE/BSE.
Is SANGAMFIN share price Overvalued or Undervalued?
SANGAMFIN share price is currently trading at a P/E ratio of 18.73x, compared to the industry average of 22.03x. Based on this relative valuation, the Sangam Finserv Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of SANGAMFIN share price?
The 52-week high of SANGAMFIN share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Sangam Finserv Ltd share price?
Key factors influencing SANGAMFIN share price include quarterly earnings growth (Sales Growth: 3.03%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Sangam Finserv Ltd a good stock for long-term investment?
Sangam Finserv Ltd shows a 5-year Profit Growth of -6.14% and an ROE of 5.07%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.21 before investing in SANGAMFIN shares.
How does Sangam Finserv Ltd compare with its industry peers?
Sangam Finserv Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare SANGAMFIN share price P/E of 18.73x and ROE of 5.07% against the industry averages to determine competitive standing.
What is the P/E ratio of SANGAMFIN and what does it mean?
SANGAMFIN share price has a P/E ratio of 18.73x compared to the industry average of 22.03x. Investors pay ₹19 for every ₹1 of annual earnings.
How is SANGAMFIN performing according to Bull Run's analysis?
SANGAMFIN has a Bull Run fundamental score of 29.2/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does SANGAMFIN belong to?
SANGAMFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Sangam Finserv Ltd share price.
What is Return on Equity (ROE) and why is it important for SANGAMFIN?
SANGAMFIN has an ROE of 5.07%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Sangam Finserv Ltd generates profits from shareholders capital.
How is SANGAMFIN debt-to-equity ratio and what does it indicate?
SANGAMFIN has a debt-to-equity ratio of 0.21, which indicates conservative financing with low financial risk.
What is SANGAMFIN dividend yield and is it a good dividend stock?
SANGAMFIN offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Sangam Finserv Ltd shares.
How has SANGAMFIN share price grown over the past 5 years?
SANGAMFIN has achieved 5-year growth rates of: Sales Growth -4.67%, Profit Growth -6.14%, and EPS Growth -6.14%.
What is the promoter holding in SANGAMFIN and why does it matter?
Promoters hold 63.08% of SANGAMFIN shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Sangam Finserv Ltd.
What is SANGAMFIN market capitalisation category?
SANGAMFIN has a market capitalisation of ₹151 crores, placing it in the Small-cap category.
How volatile is SANGAMFIN stock?
SANGAMFIN has a beta of N/A. A beta > 1 suggests the Sangam Finserv Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is SANGAMFIN operating profit margin trend?
SANGAMFIN has a 5-year average Operating Profit Margin (OPM) of 83.32%, indicating the company's operational efficiency.
How is SANGAMFIN quarterly performance?
Recent quarterly performance shows Sangam Finserv Ltd YoY Sales Growth of 3.03% and YoY Profit Growth of -24.10%.
What is the institutional holding pattern in SANGAMFIN?
SANGAMFIN has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the Sangam Finserv Ltd stock.