AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
Analyst coverage unavailable
Fundamentals
Fundamentals institutional score is 20 using EVA spread proxy -47.0%; growth durability 49.9.
Valuation
Valuation institutional score is 91 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
No usable analyst target or recommendation data was available.
Technical Structure
Technicals institutional score is 89 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 2 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. valuation and technical structure provide support, while fundamentals and market sentiment remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Forward outlook is unavailable because live next-12-month estimate data is not available for this ticker right now.
5Y Average
0.83
Current
0.70
Overvalued
0.95
Undervalued
0.70
Peers & Comparison
Sector: Financials · Theme: Home Financing
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
AAVAS FINANCIERS LIMITED AAVASHome Financing | +16.9% | 42.5% | 15.8x Undervalued | -43% vs avg | -18.7% |
PIRAMAL FINANCE LIMITED PIRAMALFINHome Financing | +30.4% | 32.6% | 28.4x Fair | +2% vs avg | +58.8% |
INDIA SHELTER FIN CORP L INDIASHLTRHome Financing | +21.8% | 48.0% | 13.7x Undervalued | -51% vs avg | -30.4% |
IFCI LTD IFCISpecialized Finance | — | 0.0% | 106.7x Premium | +284% vs avg | +42.9% |
INDIAN RENEWABLE ENERGY IREDASpecialized Finance | +23.7% | 46.0% | 16.9x Undervalued | -39% vs avg | -16.4% |
LIC HOUSING FINANCE LTD LICHSGFINHome Financing | +14.5% | 65.2% | 4.8x Undervalued | -83% vs avg | -12.8% |
REC LIMITED RECLTDSpecialized Finance | +25.2% | 68.9% | 6.1x Undervalued | -78% vs avg | -10.8% |
AUTHUM INVEST & INFRA LTD AIILSpecialized Finance | +14.1% | 82.1% | 29.9x Fair | +8% vs avg | +3.7% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
AAVAS FINANCIERS LIMITED AAVASHome Financing | +16.9% | 42.5% | 15.8x Undervalued | -83% vs avg | -18.7% |
PIRAMAL FINANCE LIMITED PIRAMALFINHome Financing | +30.4% | 32.6% | 28.4x Undervalued | -69% vs avg | +58.8% |
INDIA SHELTER FIN CORP L INDIASHLTRHome Financing | +21.8% | 48.0% | 13.7x Undervalued | -85% vs avg | -30.4% |
LIC HOUSING FINANCE LTD LICHSGFINHome Financing | +14.5% | 65.2% | 4.8x Undervalued | -95% vs avg | -12.8% |
PNB HOUSING FIN LTD. PNBHOUSINGHome Financing | +5.8% | 61.4% | 12.8x Undervalued | -86% vs avg | +49.8% |
APTUS VALUE HSG FIN I LTD APTUSHome Financing | +16.8% | 61.8% | 13.1x Undervalued | -86% vs avg | -26.5% |
FEDERAL BANK LTD FEDERALBNKPrivate Banks | +21.4% | 30.7% | 18.8x Undervalued | -79% vs avg | +82.2% |
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 624.6x Premium | +583% vs avg | -5.7% |
SAMMAAN CAPITAL LIMITED is compared against the Home Financing cohort. Peers include AAVAS FINANCIERS LIMITED, PIRAMAL FINANCE LIMITED, INDIA SHELTER FIN CORP L — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹2.05K CrDec 2025Latest net profit
₹314 CrDec 2025Latest EPS
₹3.43Dec 2025Net margin
87.3%Dec 2025Performance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Earnings
Revenue is shown in crores. EPS is rupees per share.
- Revenue
- EPS
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Dec 2025
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Debt
- Free cash flow
- Cash & equivalents
Results
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,900 | 1,766 | 1,867 | 1,767 | 1,979 | 1,903 | 2,066 | 1,902 | 1,880 | 2,192 | 2,063 | 2,046 |
| Expenses | 162 | 192 | 174 | 178 | 205 | 195 | 306 | 364 | 261 | 223 | 258 | 242 |
| Operating Profit | 1,716 | 1,556 | 1,672 | 1,567 | 1,755 | 1,690 | 1,741 | 1,520 | 1,596 | 1,951 | 1,786 | 1,786 |
| OPM % | 90.35% | 88.12% | 89.55% | 88.66% | 88.66% | 88.81% | 84.26% | 79.88% | 84.9% | 89% | 86.57% | 87.27% |
| Other Income | 4.3 | 17.78 | 17.61 | 71.32 | 52.33 | 31.04 | 1.69 | 2.8 | 25.21 | 8.33 | 6.57 | 7.34 |
| Interest | 1,230 | 1,237 | 1,223 | 1,194 | 1,179 | 1,200 | 1,127 | 1,111 | 971 | 1,132 | 1,221 | 1,387 |
| Depreciation | 21.18 | 17.89 | 21.24 | 21.93 | 19.84 | 18.19 | 19.14 | 18.47 | 22.9 | 18.69 | 18.44 | 18.51 |
| Profit before tax | 491 | 338 | 467 | 444 | 628 | 520 | 615 | 412 | 650 | 827 | 571 | 406 |
| Tax % | 16.72% | 18.61% | 18.62% | 17.55% | 12.47% | 18.19% | 5.49% | 25.23% | 17.7% | 13.81% | 17.16% | 22.79% |
| Net Profit | 409 | 275 | 380 | 366 | 550 | 426 | 581 | 308 | 535 | 713 | 473 | 314 |
| EPS in Rs | 4.27 | 4.75 | 5.24 | 4.34 | 4.82 | 4.19 | 1.74 | 3.80 | 3.80 | 3.59 | 3.32 | 3.43 |
All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.