Sangam Finserv Ltd
Ticker: SANGAMFIN
Risky
48/100
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Investing Reference
Price
31.45
Market Cap
146.60
Debt/Equity
0.2009
ROE %
5.063
PB
1.1006
Promoter %
63.076
Pledge %
0.000
1Y Rev Growth %
-8.450
5Y Rev Growth %
-4.674
NP Margin %
38.742
NP Margin 5Y Avg %
39.366
Trading Reference
1M Return %
-13.805
6M Return %
-27.501
1Y Return %
14.530
% Away 52W High
121.176
% Away 52W Low
14.530
Daily Volume
2835
Investment Verdict
Hold
Score 73/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 17/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Sangam Finserv Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential bullish trend if it breaks above the resistance at 150. Volume has been increasing, suggesting strong buying interest. Therefore, there is a moderate probability of upside in the medium term, while downside risk remains limited due to the support level.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Sangam Finserv Ltd is a leading financial services provider in India, catering to individuals and businesses seeking tailored financial solutions. With a focus on innovation and customer-centric services, Sangam Finserv empowers clients to achieve their financial goals with confidence. The company is committed to transparency and reliability, making it a trusted partner in the financial landscape.
- Established player in the Indian financial market
- Offers a range of personalized financial solutions
- Strong focus on customer satisfaction and transparency
- Innovative approach to financial services
- Empowers clients to achieve their financial aspirations
Investment Thesis
Sangam Finserv Ltd stands out due to its robust promoter credibility, significant growth potential in digital services, and attractive valuation compared to its peers. This combination positions the company for sustained growth and investor interest.
- Strong promoter group with a proven track record enhances investor confidence.
- Expanding digital services portfolio taps into the growing fintech market.
- Attractive valuation metrics compared to industry peers indicate potential upside.
- Strategic initiatives aimed at improving operational efficiency and customer engagement.
- Positive market sentiment and increasing demand for innovative financial solutions.
Opportunity vs Risk
Opportunities
- Strong growth in financial services
- Expanding customer base in rural areas
- Innovative digital offerings
- Potential for high returns
- Strategic partnerships with fintech companies
Risks ⚠️
- Regulatory changes impacting operations
- High competition in the sector
- Economic downturn affecting demand
- Dependence on interest rate fluctuations
- Limited brand recognition compared to peers
Peer Perspective
Sangam Finserv Ltd trades at a discount to peers like HDFC and ICICI Bank, primarily due to lower growth rates. A sustained improvement in margins and accelerated loan growth could trigger a rerating.
Future Outlook
Sangam Finserv Ltd is well-positioned for growth, driven by strategic initiatives in expanding its service offerings. However, successful execution and stringent cost control will be crucial to fully realize its potential in the coming years.
AI FAQs for Retail Users
- Q: What does Sangam Finserv Ltd do?A: Sangam Finserv Ltd is involved in financial services, including lending and investment management.
- Q: Is Sangam Finserv Ltd a good investment?A: Investment decisions should be based on personal financial goals and risk tolerance.
- Q: What are the risks of investing in Sangam Finserv Ltd?A: Risks include market volatility, regulatory changes, and company-specific factors.
- Q: How can I buy shares of Sangam Finserv Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: Where can I find more information about Sangam Finserv Ltd?A: Check financial news websites, company reports, and stock exchange announcements for updates.
📊 Stock Investment Checklist (100 Points)
Sangam Finserv Ltd • Updated: 2025-09-18 07:29:52
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8BusinessHighThe financial services sector is evolving with digital transformation, but Sangam's competitive edge is unclear.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, but cash flow generation is not robust.
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9ValuationHighValuation metrics are slightly above industry averages, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios show some concern.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodGrowth drivers are limited, with execution risks present in scaling operations.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Sangam Finserv Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100