Sangam Finserv Ltd Stock Price Today (NSE: SANGAMFIN)
Fundamental Score
Sangam Finserv Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Sangam Finserv Ltd share price today is ₹41.90, up +3.46% on NSE/BSE as of 7 August 2026. Sangam Finserv Ltd (SANGAMFIN) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹185.80 (Cr). The 52-week high for SANGAMFIN share price is ₹50.00 and the 52-week low is ₹25.55. At a P/E ratio of 56.99x, SANGAMFIN is currently trading above its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 2.42% and a debt-to-equity ratio of 0.40.
Sangam Finserv Ltd Share Price Chart — NSE/BSE Historical Performance
Sangam Finserv Ltd share price chart: -4.50% return over the past month. 52-week high ₹50.00, 52-week low ₹25.55.
Sangam Finserv Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹41.90 | ₹41.90 | ₹38.30 | ₹41.90 | 239.00 (Cr) | |
| ₹40.90 | ₹42.00 | ₹40.50 | ₹40.50 | 3.49K (Cr) | |
| ₹40.00 | ₹41.27 | ₹38.00 | ₹39.77 | 208.00 (Cr) | |
| ₹46.40 | ₹46.40 | ₹40.00 | ₹40.00 | 2.34K (Cr) | |
| ₹38.96 | ₹40.90 | ₹35.15 | ₹40.90 | 5.67K (Cr) | |
| ₹36.70 | ₹38.20 | ₹36.70 | ₹38.20 | 45.00 (Cr) | |
| ₹39.00 | ₹39.00 | ₹36.59 | ₹36.70 | 173.00 (Cr) | |
| ₹36.51 | ₹39.00 | ₹36.50 | ₹39.00 | 819.00 (Cr) | |
| ₹37.50 | ₹37.50 | ₹36.00 | ₹36.51 | 52.00 (Cr) | |
| ₹37.02 | ₹38.00 | ₹37.02 | ₹37.50 | 26.00 (Cr) |
Sangam Finserv Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹38.96 | ₹46.40 | ₹35.15 | ₹41.90 | +7.55% | |
| ₹40.00 | ₹44.24 | ₹36.00 | ₹38.20 | -4.50% | |
| ₹41.25 | ₹45.00 | ₹35.00 | ₹39.94 | -3.18% | |
| ₹37.46 | ₹50.00 | ₹36.10 | ₹41.25 | +10.12% | |
| ₹36.13 | ₹44.50 | ₹33.35 | ₹38.27 | +5.92% | |
| ₹40.00 | ₹47.50 | ₹35.00 | ₹36.13 | -9.67% | |
| ₹39.71 | ₹43.50 | ₹36.00 | ₹40.00 | +0.73% | |
| ₹28.85 | ₹47.87 | ₹28.85 | ₹39.08 | +35.46% | |
| ₹31.90 | ₹32.90 | ₹25.55 | ₹28.85 | -9.56% | |
| ₹33.40 | ₹38.00 | ₹28.05 | ₹31.27 | -6.38% | |
| ₹32.11 | ₹34.00 | ₹29.70 | ₹30.24 | -5.82% | |
| ₹39.65 | ₹42.90 | ₹31.25 | ₹32.21 | -18.76% |
AI Research Briefing
Powered by Gemini · 2026-04-09
Micro-cap NBFC with weak financials; any technical bounce is a mirage.
WHAT'S HAPPENING NOW (last 2-4 weeks)
No major catalysts found after live search. The company submitted a SEBI compliance certificate for Q4FY26. Markets Mojo upgraded the stock to 'Sell' on technical improvements despite weak fundamentals on March 26, 2026, after downgrading it to 'Strong Sell' amid weak financials and mixed technicals on March 23, 2026.
CORE STORY (THE REAL GAME)
Sangam Finserv is a micro-cap NBFC operating in a crowded and competitive space. The market is likely pricing in a turnaround story based on technical improvements, but fundamental weaknesses persist.
- Markets Mojo upgrade based on technicals, but fundamentals remain weak
- NBFC sector showing overall growth
- Recent price volatility
- Significant order wins
- Substantial improvement in quarterly results
- Major acquisition or merger
- Micro/SME cap: Illiquidity risk
- Negative sales and profit CAGR over 5 years
- 64.36% decline in net profit in the quarter ended December 2025
Promoter holding steady at 63.08%. No FII/DII activity.
RBI maintaining steady repo rates provides a stable environment for NBFCs, but rising inflation and geopolitical risks remain a concern.
No major news found after live search.
Free Cash Flow 5Y: ₹82.16 Cr
The company's future hinges on its ability to improve its financial performance and capitalize on the growing NBFC sector. However, significant challenges remain.
Primary Thesis Risk
Inability to improve financial performance will lead to collapse.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Sangam Finserv Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
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
4 factors identified
Strong Operating Margins (74.92%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Strong Cash Generation (₹98.75 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
10 factors identified
Below-Average Return on Equity (2.42%)
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 (4.73%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Premium Valuation Risk (P/E: 56.99x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Profit Decline Concern (-220.47%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Revenue Contraction (-213.19%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Limited Growth History (-6.66% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Weak Earnings Growth (-11.28% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (-11.28% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Weak Interest Coverage (2.49x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
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 vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Sangam Finserv Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Sangam Finserv LtdSangam Finserv ...Selected✓ SANGAMFIN • 538714 | 22.2/100 | ₹41.90₹42 | ₹185.80₹185.80 | 56.99Average 57.0 Average | 2.42%Poor 2.42% Poor | 4.73%Poor 4.73% Poor | 0.40Excellent 0.4 Excellent | -11.28%Poor -11.28% Poor | -6.66%Poor -6.66% Poor | 0.00% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
Sangam Finserv Ltd PE Ratio History
Historical price-to-earnings ratio for SANGAMFIN — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹1.42 | ₹28.85 | 20.3x |
| FY 2024 | ₹1.70 | ₹52.37 | 30.8x |
| FY 2023 | ₹1.38 | ₹13.01 | 9.4x |
| FY 2022 | ₹1.62 | ₹11.56 | 7.1x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Sangam Finserv Ltd Quarterly Performance
Latest quarterly metrics for SANGAMFIN — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
-213.19%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
-220.47%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
-6.66%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
-11.28%
Compounded annual net profit growth over 5 years
Sangam Finserv Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for SANGAMFIN — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Sangam Finserv Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Sangam Finserv Ltd (SANGAMFIN) — sourced from NSE/BSE filings.
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About SANGAMFIN (Sangam Finserv Ltd)
Sangam Finserv Ltd is a Non-Banking Financial Company (NBFC) deeply rooted in the Indian financial landscape. Founded several decades ago, the company has evolved to become a notab...le player in providing financial solutions tailored to specific market needs. The core business revolves around strategic lending and investment practices, designed to generate sustainable growth and returns. Sangam Finserv actively engages in the provision of financial support through carefully structured loan products and also participates in the capital markets through investments in diverse financial instruments, seeking to capitalize on emerging opportunities within the Indian economy. The company focuses on identifying and serving underserved segments within the Indian market. Sangam Finserv provides secured loans, primarily targeting businesses. This approach allows them to mitigate risk while providing essential capital to enterprises that may not have easy access to traditional banking services. Further, the company participates in the financial markets by investing in equities, bonds, and other assets. This allows Sangam Finserv to diversify its income streams and capitalize on growth opportunities present within the broader economic environment. All activities are conducted under a stringent framework of regulatory compliance. Headquartered in Mumbai, a major financial hub of India, Sangam Finserv operates with a commitment to ethical practices and responsible lending. As a subsidiary of Marigold, Sangam Finserv leverages the parent company's resources and expertise to further strengthen its operations and expand its reach. Sangam Finserv's strategic focus remains on fostering financial inclusion and contributing to the economic growth of the nation by providing targeted and accessible financial services. Through its dual approach of lending and investment, Sangam Finserv strives to create value for its stakeholders and solidify its position as a reliable and trusted NBFC.
Company Details
Key Leadership
Corporate Events
SANGAMFIN Share Price: Frequently Asked Questions
What is the current share price of Sangam Finserv Ltd?
Sangam Finserv Ltd (SANGAMFIN) trades at ₹41.90 on NSE and BSE. Market cap ₹185.80 (Cr). Educational data only.
What is the P/E ratio of Sangam Finserv Ltd?
Sangam Finserv Ltd has a P/E of 56.99x vs industry average 22.18x.
What is the Bull Run score for Sangam Finserv Ltd?
Sangam Finserv Ltd has a Bull Run score of 22.2/100 based on 25+ financial parameters.
Does Sangam Finserv Ltd pay dividends?
Sangam Finserv Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Sangam Finserv Ltd?
Sangam Finserv Ltd has ROE of 2.42%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Sangam Finserv Ltd?
Sangam Finserv Ltd has debt-to-equity of 0.40.
Is Sangam Finserv Ltd a good investment?
Bull Run gives Sangam Finserv Ltd a score of 22.2/100. This is not investment advice — consult a SEBI-registered advisor.