Sangam Finserv Intrinsic Value
Sangam Finserv (SANGAMFIN) median intrinsic value is ₹19.20 from 9 valuation models (range ₹12–₹57), vs current price ₹39.00 — -50.8% 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 9 models vs current price ₹39.00 — upside/downside and value range per method. See SANGAMFIN P/B ratio to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹19.20 | ₹15.36 - ₹23.04 | -50.8% | EPS: ₹1.60, Sector P/E: 12x |
| Book Value Method | asset | ₹23.15 | ₹20.84 - ₹25.46 | -40.6% | Book Value/Share: ₹28.94, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹11.70 | ₹10.53 - ₹12.87 | -70.0% | Revenue/Share: ₹4.89, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹17.02 | ₹15.32 - ₹18.72 | -56.4% | EBITDA: ₹16.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹57.44 | ₹45.95 - ₹68.93 | +47.3% | CF Growth: 5.1%, Discount: 15% |
| PEG Ratio Method | growth | ₹11.70 | ₹10.53 - ₹12.87 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹13.30 | ₹11.97 - ₹14.63 | -65.9% | Revenue Growth: 7.8%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹19.50 | ₹17.55 - ₹21.45 | -50.0% | ROE: 5.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹32.28 | ₹29.05 - ₹35.51 | -17.2% | EPS: ₹1.60, BVPS: ₹28.94 |
SANGAMFIN Intrinsic Value vs Market Price — All Valuation Models
Sangam Finserv fair value range ₹12–₹57 vs current market price ₹39.00 across 9 valuation models. Check Sangam Finserv market cap to track the company's total market size over time.
SANGAMFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Sangam Finserv median intrinsic value ₹19.20, current price ₹39.00 — Trading Above Calculated Value by 50.8%, 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 ₹19.20 (median value). With the current market price of ₹39.00, this represents a -50.8% variance from our estimated fair value.
The valuation range spans from ₹11.70 to ₹57.44, indicating ₹11.70 - ₹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 50.8%.
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 | 5.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 130.0% | 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 |