Sangam Finserv Intrinsic Value
SANGAMFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹20.40 | ₹16.32 - ₹24.48 | -51.3% | EPS: ₹1.70, Sector P/E: 12x |
| Book Value Method | asset | ₹22.64 | ₹20.38 - ₹24.90 | -46.0% | Book Value/Share: ₹28.30, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹12.57 | ₹11.31 - ₹13.83 | -70.0% | Revenue/Share: ₹4.26, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹16.76 | ₹15.08 - ₹18.44 | -60.0% | EBITDA: ₹13.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹57.44 | ₹45.95 - ₹68.93 | +37.1% | CF Growth: 5.1%, Discount: 15% |
| PEG Ratio Method | growth | ₹12.57 | ₹11.31 - ₹13.83 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹14.11 | ₹12.70 - ₹15.52 | -66.3% | Revenue Growth: 7.5%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹20.95 | ₹18.86 - ₹23.05 | -50.0% | ROE: 6.0%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹32.90 | ₹29.61 - ₹36.19 | -21.5% | EPS: ₹1.70, BVPS: ₹28.30 |
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Valuation Comparison Chart
SANGAMFIN Intrinsic Value Analysis
What is the intrinsic value of SANGAMFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Sangam Finserv (SANGAMFIN) is ₹20.40 (median value). With the current market price of ₹41.89, this represents a -51.3% variance from our estimated fair value.
The valuation range spans from ₹12.57 to ₹57.44, indicating ₹12.57 - ₹57.44.
Is SANGAMFIN undervalued or overvalued?
Based on our multi-method analysis, Sangam Finserv (SANGAMFIN) appears to be trading above calculated value by approximately 51.3%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.94 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 1.22 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 6.0% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 24.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.12x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Sangam Finserv
Additional stock information and data for SANGAMFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹29 Cr | ₹17 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹10 Cr | ₹8 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹21 Cr | ₹16 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹25 Cr | ₹25 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹-2 Cr | ₹-2 Cr | Negative Cash Flow | 3/10 |