Sangam Finserv Ltd
Fundamental Score
Sangam Finserv Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
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. This indicates sustainable profitability potential.
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 and flexibility for growth investments.
Strong Interest Coverage (5.36x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk and strong debt servicing capability.
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 while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
8 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. Review business model and competitive positioning.
Profit Decline Concern (-24.10%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
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. Assess future growth catalysts.
Weak Earnings Growth (-6.14% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (-6.14% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
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. Assess capital allocation strategy.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
Financial Statements
Comprehensive financial data for Sangam Finserv Ltd
About SANGAMFIN
Business Overview
Sangam Finserv Limited, a non-banking finance company, engages in lending and investment activities in India. It offers secured business and corporate loan; 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 Limited operates as a subsidiary of Marigold Investrade Private Limited.
Company Details
Key Leadership
Corporate Events
SANGAMFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Sangam Finserv Ltd (SANGAMFIN)?
As of 21 Jan 2026, 08:49 am IST, Sangam Finserv Ltd (SANGAMFIN) is currently trading at ₹40.85. The stock has a market capitalization of ₹150.98 (Cr).
Is SANGAMFIN share price Overvalued or Undervalued?
SANGAMFIN 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 stock appears to be Undervalued against its sector peers.
What factors affect the Sangam Finserv Ltd share price?
Key factors influencing SANGAMFIN's price include its 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.
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's P/E of 18.73x and ROE of 5.07% against the industry averages to determine its competitive standing.
What is the P/E ratio of SANGAMFIN and what does it mean?
SANGAMFIN has a P/E ratio of 18.73x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹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, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
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.
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. Return on Equity measures how efficiently Sangam Finserv Ltd generates profits from shareholders' equity.
How is SANGAMFIN's 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. A ratio below 1.0 generally indicates conservative financing.
What is SANGAMFIN's dividend yield and is it a good dividend stock?
SANGAMFIN offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has SANGAMFIN 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% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is SANGAMFIN's market capitalization category?
SANGAMFIN has a market capitalization 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 stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for SANGAMFIN?
SANGAMFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is SANGAMFIN's 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's quarterly performance?
Recent quarterly performance shows 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 stock.