)
Visual
test
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?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus. - 6 FebWEC
Targets 7–8% EPS growth, $37.5B capex, and coal exit by 2032 amid surging data center demand. - 6 FebBR
Q2 FY26 recurring revenue grew 8% and adjusted EPS guidance was raised to 9-12%. - 6 FebFFWM
Merger vote includes new non-voting stock class with limited conversion and no voting rights. - 6 FebKKR
Charter amendments seek to modernize governance and establish one share, one vote by 2026. - 6 FebARI
Proposed $9B real estate loan portfolio acquisition highlights disciplined, long-term strategy. - 6 FebSMCI
Q2 revenue jumped 123% to $12.7B, with FY26 guidance raised to at least $40B. - 6 FebRJF
Record revenues and assets, higher dividend, and acquisitions despite lower net income. - 6 FebFFIE
Raising capital for global EV and AI expansion, with regulatory and dilution risks highlighted.
Next Sammaan Capital earnings date
Q4 25/2615 May, 2026
Sammaan Capital
Next Sammaan Capital earnings date
Q4 25/2615 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage