Sangam Finserv Intrinsic Value
Sangam Finserv (SANGAMFIN) median intrinsic value is ₹14.80 from 8 valuation models (range ₹11–₹57), vs current price ₹37.01 — -60.0% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit Sangam Finserv stock price NSE.
SANGAMFIN Valuation Methods Summary — DCF, Graham Number & P/E
Sangam Finserv intrinsic value across 8 models vs current price ₹37.01 — upside/downside and value range per method. Analyse SANGAMFIN institutional holdings to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹11.10 | ₹8.88 - ₹13.32 | -70.0% | EPS: ₹0.70, Sector P/E: 12x |
| Book Value Method | asset | ₹23.15 | ₹20.84 - ₹25.46 | -37.4% | Book Value/Share: ₹28.94, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹11.10 | ₹9.99 - ₹12.21 | -70.0% | Revenue/Share: ₹3.19, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹14.80 | ₹13.32 - ₹16.28 | -60.0% | EBITDA: ₹8.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹57.44 | ₹45.95 - ₹68.93 | +55.2% | CF Growth: 5.1%, Discount: 15% |
| PEG Ratio Method | growth | ₹11.10 | ₹9.99 - ₹12.21 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹11.10 | ₹9.99 - ₹12.21 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹21.35 | ₹19.22 - ₹23.49 | -42.3% | EPS: ₹0.70, BVPS: ₹28.94 |
SANGAMFIN Intrinsic Value vs Market Price — All Valuation Models
Sangam Finserv fair value range ₹11–₹57 vs current market price ₹37.01 across 8 valuation models. Read SANGAMFIN ex-dividend dates for the complete payout history and dividend yield track record.
SANGAMFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Sangam Finserv median intrinsic value ₹14.80, current price ₹37.01 — Trading Above Calculated Value by 60.0%, margin of safety -100.0%.
What is the intrinsic value of SANGAMFIN?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Sangam Finserv (SANGAMFIN) is ₹14.80 (median value). With the current market price of ₹37.01, this represents a -60.0% variance from our estimated fair value.
The valuation range spans from ₹11.10 to ₹57.44, indicating ₹11.10 - ₹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 60.0%.
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 | 0.30 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 2.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 53.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | 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 |