Sangam Finserv Intrinsic Value
Sangam Finserv (SANGAMFIN) median intrinsic value is ₹20.40 from 9 valuation models (range ₹12–₹57), vs current price ₹40.91 — -50.1% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit SANGAMFIN share price.
SANGAMFIN Valuation Methods Summary — DCF, Graham Number & P/E
Sangam Finserv intrinsic value across 9 models vs current price ₹40.91 — upside/downside and value range per method. Browse SANGAMFIN income statement for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹20.40 | ₹16.32 - ₹24.48 | -50.1% | EPS: ₹1.70, Sector P/E: 12x |
| Book Value Method | asset | ₹22.64 | ₹20.38 - ₹24.90 | -44.7% | Book Value/Share: ₹28.30, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹12.27 | ₹11.04 - ₹13.50 | -70.0% | Revenue/Share: ₹4.26, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹16.36 | ₹14.72 - ₹18.00 | -60.0% | EBITDA: ₹13.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹57.44 | ₹45.95 - ₹68.93 | +40.4% | CF Growth: 5.1%, Discount: 15% |
| PEG Ratio Method | growth | ₹12.27 | ₹11.04 - ₹13.50 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹14.11 | ₹12.70 - ₹15.52 | -65.5% | Revenue Growth: 7.5%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹20.45 | ₹18.41 - ₹22.50 | -50.0% | ROE: 6.0%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹32.90 | ₹29.61 - ₹36.19 | -19.6% | EPS: ₹1.70, BVPS: ₹28.30 |
SANGAMFIN Intrinsic Value vs Market Price — All Valuation Models
Sangam Finserv fair value range ₹12–₹57 vs current market price ₹40.91 across 9 valuation models. Compare with Sangam Finserv value estimation to assess whether the stock is under or overvalued.
SANGAMFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Sangam Finserv median intrinsic value ₹20.40, current price ₹40.91 — Trading Above Calculated Value by 50.1%, margin of safety -100.0%.
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 ₹40.91, this represents a -50.1% variance from our estimated fair value.
The valuation range spans from ₹12.27 to ₹57.44, indicating ₹12.27 - ₹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 50.1%.
SANGAMFIN Financial Health — Key Ratios vs Industry Benchmarks
Sangam Finserv financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
SANGAMFIN Cash Flow Quality — Operating & Free Cash Flow
Sangam Finserv operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |