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Sammaan Capital
Sammaan Capital (SAMMAANCAP) investor relations material
Sammaan Capital Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary4 Feb, 2026
Executive summary
Announced and completed the merger of Sammaan Finserve's NBFC business into the parent, consolidating lending and distribution, and enabling expansion into non-lending financial services and fintech, following a preferential allotment to IFC and Avenir Investment RSC Ltd.
Preferential issue approved by shareholders and CCI; RBI and SEBI approvals pending, with securities to be allotted to IHC post-approval.
Consolidated revenue for Q3FY26 was ₹2,157.54 crore, with net profit at ₹314.08 crore; nine-month revenue was ₹6,808.50 crore and net profit ₹956.86 crore.
Significant one-time gain of ₹1,045.66 crore recognized under net gain on derecognition of financial instruments.
Optimistic about concluding the investment process and transitioning to a full-suite NBFC.
Financial highlights
Net worth increased to ₹22,423 crore in Q3FY26 from ₹20,331 crore in Q3FY25; total AUM rose to ₹64,200 crore from ₹61,947 crore year-over-year.
Q3FY26 PAT at ₹314 crore, up from Q3FY25; NIM stable at 5.3%, GNPA at 1.2%, NNPA at 0.7%.
For 9MFY26, PAT was ₹957 crore, compared to a consolidated loss of ₹2,132 crore in the prior year period.
Gross NPA ratio at 1.65%, Net NPA at 0.98%, and liquidity coverage ratio at 211% as of December 31, 2025.
Debt-equity ratio stood at 1.98, with total equity at ₹23,412.46 crore.
Outlook and guidance
Focus remains on mortgage loans and asset-light strategy, with technology and automation enhancements, including eMortgage for digital loan fulfillment.
Industry expects retail credit to grow at 14–16% CAGR over FY25–30, with NBFCs projected to outpace banks in MSME lending.
Co-lending regulations effective January 1, expanding eligible partners and product scope.
Business volumes expected to recover to original levels by May or June, with 15%-18% OpEx savings anticipated.
Board approved a scheme of arrangement for demerger of NBFC business from Sammaan Finserve Limited into the company, subject to regulatory approvals.
SFL NBFC demerger: remaining approvals/timeline
Recurring profit excluding derecognition gain
Avenir preferential issue: remaining approvals?
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Next Sammaan Capital earnings date
Q4 25/2615 May, 2026
Sammaan Capital
Next Sammaan Capital earnings date
Q4 25/2615 May, 2026
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Frequently asked questions
Sammaan Capital Limited (formerly Indiabulls Housing Finance Limited) is a mortgage lender. It is regulated by the National Housing Bank and is India's second largest housing finance company. The company primarily offers home loans to customers across India and has subsidiaries in the UK and Dubai.
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