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Sammaan Capital (SAMMAANCAP) investor relations material
Sammaan Capital Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary31 Oct, 2025
Executive summary
Announced a proposed preferential allotment to International Holding Company (IHC) for INR 8,850 crore, representing a 41.2% stake, with an open offer for an additional 26% at INR 139 per share, potentially raising IHC's stake to 63.4%.
Shareholder approval received; regulatory approvals from RBI, CCI, and SEBI are in process, with transaction expected to close by end of FY26 or early FY27.
Consolidated net profit for the half year ended September 30, 2025, was ₹642.77 crore, a turnaround from a loss of ₹2,433.96 crore in the same period last year.
The company is undergoing a transformation with a focus on digitalization, product diversification, and operational efficiency, leveraging synergies with IHC.
Immediate impact seen in borrowing profile, with a $450 million dollar bond issued at a 150–200 bps lower rate than prior issuance.
Financial highlights
Net worth increased to INR 22,373 crore year-over-year; AUM at nearly INR 42,000 crore, with legacy loan AUM declining by INR 9,000 crore.
Total AUM rose to ₹64,004 Cr from ₹62,928 Cr year-over-year.
NII declined to ₹975 Cr from ₹1,187 Cr; PAT improved to ₹308 Cr from a loss of ₹2,761 Cr in Q2FY25.
Net gain on derecognition recorded at INR 1,201.21 crore for the half year, up from INR 42.50 crore year-over-year.
Net interest margin at 5.5%, reflecting increased retailization of AUM.
Outlook and guidance
Disbursements targeted to increase from INR 15,000 crore annualized to INR 35,000 crore by FY27.
Product suite expansion planned, with a focus on low- to mid-income segments and moving beyond mortgages.
Anticipates a 200 bps reduction in cost of funds, potentially boosting PAT by over 50%.
Guidance for FY27 and beyond under revision; updated targets to be provided after two quarters.
Transitioning to new co-lending regulations to unlock scalability and reduce operational costs.
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Next Sammaan Capital earnings date
Q3 25/2610 Feb, 2026
Next Sammaan Capital earnings date
Q3 25/2610 Feb, 2026
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Frequently asked questions
Sammaan Capital Limited (formerly Indiabulls Housing Finance Limited) is a mortgage lender. It is regulated by the National Housing Bank and is India's second largest housing finance company. The company primarily offers home loans to customers across India and has subsidiaries in the UK and Dubai.
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