Sammaan CapitalNSE:SAMMAANCAP -1.09%62 Interest Coverage is 0.48 as of Mar. 2026, which is 52% below its 10-year median of 1.00. GuruFocus rates NSE:SAMMAANCAP with a GF Score™ of 62/100 and a GF Value™ of ₹112.97 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 21 Banks companies, Sammaan Capital ranks worse than 100% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Sammaan Capital's
Operating Income
for the
three
months ended in Mar. 2026 was ₹8,132 Mil. Sammaan Capital's Interest Expense for the
three
months ended in Mar. 2026 was ₹-16,786 Mil.
Sammaan Capital's interest coverage for the quarter that ended in Mar. 2026 was 0.48.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Sammaan Capital Ltds earnings cannot cover its interest expense. If the situation continues, the company may have to issue more debt.
The historical rank and industry rank for Sammaan Capital's Interest Coverage or its related term are showing as below:
NSE:SAMMAANCAP'
s Interest Coverage Range Over the Past 10 Years
Min: 0.58 Med: 1 Max: 1.27
Current: 0.58
NSE:SAMMAANCAP's Interest Coverage is ranked worse than 100% of 21
companies
in the Banks industry
Industry Median: 22.68
vs NSE:SAMMAANCAP: 0.58
Sammaan Capital (NSE:SAMMAANCAP) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Sammaan Capital Interest Coverage Related Terms
Sammaan Capital Interest Coverage Historical Data
* Premium members only.
The historical data trend for Sammaan Capital's Interest Coverage can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NSE:SAMMAANCAP vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, Sammaan Capital's Interest Coverage, along with its competitors' market caps and Interest Coverage data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sammaan Capital Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, Sammaan Capital's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Sammaan Capital's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Sammaan Capital (NSE:SAMMAANCAP) has a Interest Coverage of 0.48 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Sammaan Capital and its competitors. This is 52% below median its historical median of 1.00. Over the past decade, Sammaan Capital's Interest Coverage has ranged from 0.58 to 1.27. According to the industry distribution chart, Sammaan Capital ranks #21 out of 21 companies in the Banks industry.
Is Sammaan Capital's Interest Coverage too high?
Sammaan Capital's current Interest Coverage of 0.48 is 52% below median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 1.27. The Banks industry median Interest Coverage is 22.68. Sammaan Capital's value of 0.48 is 97.9% below this industry median. Based on the distribution chart, Sammaan Capital ranks #21 out of 21 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sammaan Capital has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sammaan Capital's Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, Sammaan Capital ranks #21 out of 21 companies for Interest Coverage. This places Sammaan Capital in the lower half of its industry. The industry median Interest Coverage is 22.68. Sammaan Capital's value of 0.48 is 97.9% below this benchmark. Historically, Sammaan Capital's own Interest Coverage has ranged from 0.58 to 1.27 over the past decade. While the company's 10-year median is 1.00 vs. the industry median of 22.68, Sammaan Capital has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 22.68, based on 21 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sammaan Capital's current Interest Coverage of 0.48 is 97.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Sammaan Capital and its competitors. For the Banks industry, the median Interest Coverage is 22.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sammaan Capital's current Interest Coverage is 0.48, which is 52% below median its own 10-year median of 1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sammaan Capital stock overvalued right now?
Based on GuruFocus' analysis, Sammaan Capital (NSE:SAMMAANCAP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹112.97, compared to a current price of ₹169.81 — trading 50.3% above its estimated fair value. The current Interest Coverage is 0.48, which is 52% below median its 10-year median of 1.00 and 97.9% below the Banks industry median of 22.68. Sammaan Capital's overall GF Score™ is 62/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Sammaan Capital (NSE:SAMMAANCAP), the current Interest Coverage is 0.48 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sammaan Capital (NSE:SAMMAANCAP) Overvalued in 2026?
Based on GuruFocus' analysis, Sammaan Capital stock appears to be overvalued.
The current stock price of ₹169.81 is trading 50.3% above its estimated GF Value™ of ₹112.97.
GuruFocus considers Sammaan Capital to be Significantly Overvalued.
Key valuation signals for NSE:SAMMAANCAP:
Interest Coverage: 0.48 (52% below median its 10-year median of 1.00)
GF Value™: ₹112.97 vs. price of ₹169.81 (50.3% above fair value)
Industry Position: 97.9% below the Banks median (#21 of 21)
No single metric tells the full story. See the NSE:SAMMAANCAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sammaan Capital Ltd is a mortgage-focused non-banking financial company in India. The company is engaged in providing finance and lending to individuals, co-operative societies, associations, companies, builders, developers, contractors, tenants, and others. The lending services cover construction, building, repair, remodeling, purchase of houses, apartments, flats, and bungalows. All of the company's activities are conducted within India.
62GF Score
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