Sangam Finserv Intrinsic Value
Sangam Finserv intrinsic value. Sangam Finserv (SANGAMFIN) median intrinsic value is ₹17.02 from 9 valuation models (range ₹10–₹32), vs current price ₹32.97 — -48.4% downside (Trading Above Calculated Value), margin of safety -93.7%. Compare with Sangam Finserv value estimation to assess whether the stock is under or overvalued.
SANGAMFIN Valuation Methods Summary — DCF, Graham Number & P/E
Sangam Finserv intrinsic value across 9 models vs current price ₹32.97 — upside/downside and value range per method. Read SANGAMFIN ex-dividend dates for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹19.20 | ₹15.36 - ₹23.04 | -41.8% | EPS: ₹1.60, Sector P/E: 12x |
| Book Value Method | asset | ₹23.15 | ₹20.84 - ₹25.46 | -29.8% | Book Value/Share: ₹28.94, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹9.89 | ₹8.90 - ₹10.88 | -70.0% | Revenue/Share: ₹4.89, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹17.02 | ₹15.32 - ₹18.72 | -48.4% | EBITDA: ₹16.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹29.63 | ₹23.70 - ₹35.56 | -10.1% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹10.24 | ₹9.22 - ₹11.26 | -68.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹13.30 | ₹11.97 - ₹14.63 | -59.7% | Revenue Growth: 7.8%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹17.02 | ₹15.32 - ₹18.72 | -48.4% | ROE: 5.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹32.28 | ₹29.05 - ₹35.51 | -2.1% | EPS: ₹1.60, BVPS: ₹28.94 |
SANGAMFIN Intrinsic Value vs Market Price — All Valuation Models
Sangam Finserv fair value range ₹10–₹32 vs current market price ₹32.97 across 9 valuation models. For current market price and key ratios, visit Sangam Finserv stock price NSE.
SANGAMFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Sangam Finserv median intrinsic value ₹17.02, current price ₹32.97 — Trading Above Calculated Value by 48.4%, margin of safety -93.7%.
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 ₹17.02 (median value). With the current market price of ₹32.97, this represents a -48.4% variance from our estimated fair value.
The valuation range spans from ₹9.89 to ₹32.28, indicating ₹9.89 - ₹32.28.
Is SANGAMFIN undervalued or overvalued?
Based on our multi-method analysis, Sangam Finserv (SANGAMFIN) appears to be trading above calculated value by approximately 48.4%.
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 | 0.47 | 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 2026 | ₹15 Cr | ₹-7 Cr | Positive Operating Cash Flow | 6/10 |
| 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 |