Sundaram Finance Holdings Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: June 25, 2025, 8:07 pm

Market Cap	11,313 Cr.
Current Price	509
High / Low	516/240
Stock P/E	27.4
Book Value	252
Dividend Yield	1.51 %
ROCE	2.27 %
ROE	7.93 %
Face Value	5.00
PEG Ratio	0.67

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Sundaram Finance Holdings Ltd

Competitors of Sundaram Finance Holdings Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
MKVentures Capital Ltd	663 Cr.	1,724	2,400/1,151	70.6	267	0.06 %	16.5 %	9.56 %	10.0
Modern Shares & Stockbrokers Ltd	13.0 Cr.	44.2	69.4/36.4	58.9	43.5	0.00 %	3.32 %	1.74 %	10.0
Monarch Networth Capital Ltd	2,575 Cr.	325	501/251	17.2	102	0.16 %	33.3 %	26.1 %	10.0
Monotype India Ltd	51.3 Cr.	0.73	2.42/0.66	4.07	0.02	0.00 %	286 %	%	1.00
Multipurpose Trading & Agencies Ltd	4.85 Cr.	9.80	13.3/7.93	28.5	10.3	0.00 %	4.44 %	3.91 %	10.0
Industry Average	6,731.94 Cr	1,388.03		76.40	3,710.13	0.35%	19.33%	13.16%	7.36

All Competitor Stocks of Sundaram Finance Holdings Ltd

Quarterly Result

Metric	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Sales	37	19	17	20	35	24	24	25	218	43	30	33	49
Expenses	19	12	13	10	10	14	11	12	11	9	9	9	12
Operating Profit	18	7	4	10	24	10	13	13	207	34	21	24	37
OPM %	48%	38%	22%	51%	70%	41%	54%	52%	95%	79%	70%	72%	76%
Other Income	1	1	1	1	1	1	2	2	0	1	2	0	2
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	3	0	0	0	1	1	1	1	1	1	1	1	1
Profit before tax	16	8	4	10	24	10	14	15	206	34	22	23	38
Tax %	-5%	41%	103%	34%	18%	133%	37%	24%	15%	29%	35%	25%	44%
Net Profit	76	41	33	65	99	71	91	102	269	110	89	106	107
EPS in Rs	3.53	1.85	1.50	2.91	4.44	3.18	4.08	4.61	12.13	4.97	4.00	4.76	4.82

Last Updated: May 31, 2025, 7:39 am

Below is a detailed analysis of the quarterly data for Sundaram Finance Holdings Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

For Sales, as of Mar 2025, the value is 49.00 Cr.. The value appears strong and on an upward trend. It has increased from 33.00 Cr. (Dec 2024) to 49.00 Cr., marking an increase of 16.00 Cr..
For Expenses, as of Mar 2025, the value is 12.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9.00 Cr. (Dec 2024) to 12.00 Cr., marking an increase of 3.00 Cr..
For Operating Profit, as of Mar 2025, the value is 37.00 Cr.. The value appears strong and on an upward trend. It has increased from 24.00 Cr. (Dec 2024) to 37.00 Cr., marking an increase of 13.00 Cr..
For OPM %, as of Mar 2025, the value is 76.00%. The value appears strong and on an upward trend. It has increased from 72.00% (Dec 2024) to 76.00%, marking an increase of 4.00%.
For Other Income, as of Mar 2025, the value is 2.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Dec 2024) to 2.00 Cr., marking an increase of 2.00 Cr..
For Interest, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
For Depreciation, as of Mar 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 1.00 Cr..
For Profit before tax, as of Mar 2025, the value is 38.00 Cr.. The value appears strong and on an upward trend. It has increased from 23.00 Cr. (Dec 2024) to 38.00 Cr., marking an increase of 15.00 Cr..
For Tax %, as of Mar 2025, the value is 44.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Dec 2024) to 44.00%, marking an increase of 19.00%.
For Net Profit, as of Mar 2025, the value is 107.00 Cr.. The value appears strong and on an upward trend. It has increased from 106.00 Cr. (Dec 2024) to 107.00 Cr., marking an increase of 1.00 Cr..
For EPS in Rs, as of Mar 2025, the value is 4.82. The value appears strong and on an upward trend. It has increased from 4.76 (Dec 2024) to 4.82, marking an increase of 0.06.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: June 16, 2025, 3:55 pm

Metric	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	69	100	93	59	85	91	291	155
Expenses	49	59	62	48	61	45	48	39
Operating Profit	21	41	31	10	24	46	243	116
OPM %	30%	41%	33%	18%	28%	50%	83%	75%
Other Income	3	2	5	6	3	3	6	5
Interest	0	0	0	0	1	0	1	1
Depreciation	1	1	1	2	4	2	3	3
Profit before tax	23	42	35	14	22	47	245	117
Tax %	22%	28%	16%	32%	21%	32%	21%	34%
Net Profit	130	137	78	74	161	238	533	412
EPS in Rs	5.84	6.19	3.52	3.33	7.35	10.70	24.00	18.55
Dividend Payout %	17%	19%	24%	10%	37%	37%	32%	32%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	5.38%	-43.07%	-5.13%	117.57%	47.83%	123.95%	-22.70%
Change in YoY Net Profit Growth (%)	0.00%	-48.45%	37.94%	122.70%	-69.74%	76.12%	-146.65%

Sundaram Finance Holdings Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2018-2019 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	%
5 Years:	11%
3 Years:	22%
TTM:	-47%

Compounded Profit Growth
10 Years:	%
5 Years:	39%
3 Years:	37%
TTM:	-23%

Stock Price CAGR
10 Years:	%
5 Years:	64%
3 Years:	95%
1 Year:	96%

Return on Equity
10 Years:	%
5 Years:	8%
3 Years:	9%
Last Year:	8%

Last Updated: Unknown

Balance Sheet

Last Updated: June 16, 2025, 11:17 am

Month	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	76	76	76	76	111	111	111	111
Reserves	2,736	2,290	1,782	2,119	2,891	3,459	4,682	5,496
Borrowings	0	0	2	4	3	18	18	16
Other Liabilities	128	87	63	107	90	46	137	214
Total Liabilities	2,940	2,453	1,922	2,306	3,096	3,635	4,948	5,837
Fixed Assets	6	6	9	10	9	41	40	49
CWIP	0	0	0	0	0	0	0	0
Investments	2,910	2,420	1,879	2,269	3,053	3,553	4,708	5,738
Other Assets	24	27	35	27	34	40	200	50
Total Assets	2,940	2,453	1,922	2,306	3,096	3,635	4,948	5,837

Below is a detailed analysis of the balance sheet data for Sundaram Finance Holdings Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

For Equity Capital, as of Mar 2025, the value is 111.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 111.00 Cr..
For Reserves, as of Mar 2025, the value is 5,496.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,682.00 Cr. (Mar 2024) to 5,496.00 Cr., marking an increase of 814.00 Cr..
For Borrowings, as of Mar 2025, the value is 16.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 18.00 Cr. (Mar 2024) to 16.00 Cr., marking a decrease of 2.00 Cr..
For Other Liabilities, as of Mar 2025, the value is 214.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 137.00 Cr. (Mar 2024) to 214.00 Cr., marking an increase of 77.00 Cr..
For Total Liabilities, as of Mar 2025, the value is 5,837.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,948.00 Cr. (Mar 2024) to 5,837.00 Cr., marking an increase of 889.00 Cr..
For Fixed Assets, as of Mar 2025, the value is 49.00 Cr.. The value appears strong and on an upward trend. It has increased from 40.00 Cr. (Mar 2024) to 49.00 Cr., marking an increase of 9.00 Cr..
For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Investments, as of Mar 2025, the value is 5,738.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,708.00 Cr. (Mar 2024) to 5,738.00 Cr., marking an increase of 1,030.00 Cr..
For Other Assets, as of Mar 2025, the value is 50.00 Cr.. The value appears to be declining and may need further review. It has decreased from 200.00 Cr. (Mar 2024) to 50.00 Cr., marking a decrease of 150.00 Cr..
For Total Assets, as of Mar 2025, the value is 5,837.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,948.00 Cr. (Mar 2024) to 5,837.00 Cr., marking an increase of 889.00 Cr..

Notably, the Reserves (5,496.00 Cr.) exceed the Borrowings (16.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Month		Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Cash from Operating Activity +	147	58	62	19	30	100	132	188
Cash from Investing Activity +	-146	-30	-11	-10	-345	-25	136	-148
Cash from Financing Activity +	-1	-28	-46	-8	319	-73	-103	-211
Net Cash Flow	1	1	5	1	3	2	166	-171

Free Cash Flow

Month	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	21.00	41.00	29.00	6.00	21.00	28.00	225.00	100.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	55	38	30	33	22	28	8
Inventory Days
Days Payable
Cash Conversion Cycle	55	38	30	33	22	28	8
Working Capital Days	61	60	69	34	52	69	13
ROCE %		2%	2%	1%	1%	1%	6%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	55.59%	55.59%	55.59%	55.59%	55.59%	55.59%	55.59%	55.29%	54.97%	54.97%	54.97%	54.97%
FIIs	0.00%	0.00%	0.18%	0.22%	0.19%	0.19%	0.22%	0.29%	0.23%	0.79%	1.04%	1.02%
DIIs	6.17%	5.89%	5.57%	5.57%	5.57%	5.58%	5.46%	5.46%	5.45%	5.30%	5.19%	5.19%
Public	37.61%	37.89%	38.03%	37.99%	38.01%	38.01%	38.09%	38.32%	38.72%	38.31%	38.17%	38.19%
Others	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.64%	0.64%
No. of Shareholders	31,091	31,227	31,253	31,333	30,885	30,407	32,104	33,559	33,201	34,448	37,142	39,448

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Nippon India Small Cap Fund	9,378,006	0.31	136.97	9,378,006	2025-04-22 17:25:19	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	5.00	5.00	5.00	5.00	5.00
Basic EPS (Rs.)	18.55	24.00	10.70	7.72	4.89
Diluted EPS (Rs.)	18.55	24.00	10.70	7.72	4.89
Cash EPS (Rs.)	3.61	8.78	1.49	0.97	0.73
Book Value[Excl.RevalReserv]/Share (Rs.)	252.43	215.80	160.74	135.16	145.27
Book Value[Incl.RevalReserv]/Share (Rs.)	252.43	215.80	160.74	135.16	145.27
Revenue From Operations / Share (Rs.)	6.96	13.12	4.07	3.78	3.93
PBDIT / Share (Rs.)	5.46	11.20	2.19	1.22	1.05
PBIT / Share (Rs.)	5.32	11.07	2.12	1.02	0.95
PBT / Share (Rs.)	5.27	11.02	2.10	0.98	0.94
Net Profit / Share (Rs.)	3.47	8.65	1.42	0.77	0.63
NP After MI And SOA / Share (Rs.)	18.55	24.00	10.70	7.35	4.89
PBDIT Margin (%)	78.41	85.39	53.89	32.30	26.72
PBIT Margin (%)	76.46	84.38	52.10	27.06	24.20
PBT Margin (%)	75.76	83.97	51.62	26.05	23.94
Net Profit Margin (%)	49.90	65.95	34.84	20.60	16.26
NP After MI And SOA Margin (%)	266.57	183.00	262.65	194.49	124.35
Return on Networth / Equity (%)	7.35	11.12	6.65	5.43	3.36
Return on Capital Employeed (%)	2.03	4.98	1.30	0.73	0.62
Return On Assets (%)	7.06	10.77	6.53	5.27	3.20
Asset Turnover Ratio (%)	0.02	0.06	0.02	0.03	0.02
Current Ratio (X)	262.02	242.66	171.91	541.48	258.12
Quick Ratio (X)	262.00	242.66	171.91	541.48	258.12
Dividend Payout Ratio (NP) (%)	0.00	8.33	14.02	13.61	10.22
Dividend Payout Ratio (CP) (%)	0.00	8.28	13.92	13.25	10.02
Earning Retention Ratio (%)	0.00	91.67	85.98	86.39	89.78
Cash Earning Retention Ratio (%)	0.00	91.72	86.08	86.75	89.98
Interest Coverage Ratio (X)	111.21	210.04	111.99	32.14	103.43
Interest Coverage Ratio (Post Tax) (X)	71.78	163.23	73.41	21.50	63.93
Enterprise Value (Cr.)	6792.23	4251.74	1734.73	1524.68	1137.05
EV / Net Operating Revenue (X)	43.94	14.59	19.18	18.17	19.14
EV / EBITDA (X)	56.03	17.09	35.59	56.25	71.62
MarketCap / Net Operating Revenue (X)	44.04	15.22	19.36	18.34	19.33
Retention Ratios (%)	0.00	91.66	85.97	86.38	89.77
Price / BV (X)	1.21	0.92	0.49	0.51	0.52
Price / Net Operating Revenue (X)	44.04	15.22	19.36	18.35	19.33
EarningsYield	0.06	0.12	0.13	0.10	0.06

After reviewing the key financial ratios for Sundaram Finance Holdings Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 25, the value is 5.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 5.00.
For Basic EPS (Rs.), as of Mar 25, the value is 18.55. This value is within the healthy range. It has decreased from 24.00 (Mar 24) to 18.55, marking a decrease of 5.45.
For Diluted EPS (Rs.), as of Mar 25, the value is 18.55. This value is within the healthy range. It has decreased from 24.00 (Mar 24) to 18.55, marking a decrease of 5.45.
For Cash EPS (Rs.), as of Mar 25, the value is 3.61. This value is within the healthy range. It has decreased from 8.78 (Mar 24) to 3.61, marking a decrease of 5.17.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 252.43. It has increased from 215.80 (Mar 24) to 252.43, marking an increase of 36.63.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 252.43. It has increased from 215.80 (Mar 24) to 252.43, marking an increase of 36.63.
For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 6.96. It has decreased from 13.12 (Mar 24) to 6.96, marking a decrease of 6.16.
For PBDIT / Share (Rs.), as of Mar 25, the value is 5.46. This value is within the healthy range. It has decreased from 11.20 (Mar 24) to 5.46, marking a decrease of 5.74.
For PBIT / Share (Rs.), as of Mar 25, the value is 5.32. This value is within the healthy range. It has decreased from 11.07 (Mar 24) to 5.32, marking a decrease of 5.75.
For PBT / Share (Rs.), as of Mar 25, the value is 5.27. This value is within the healthy range. It has decreased from 11.02 (Mar 24) to 5.27, marking a decrease of 5.75.
For Net Profit / Share (Rs.), as of Mar 25, the value is 3.47. This value is within the healthy range. It has decreased from 8.65 (Mar 24) to 3.47, marking a decrease of 5.18.
For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 18.55. This value is within the healthy range. It has decreased from 24.00 (Mar 24) to 18.55, marking a decrease of 5.45.
For PBDIT Margin (%), as of Mar 25, the value is 78.41. This value is within the healthy range. It has decreased from 85.39 (Mar 24) to 78.41, marking a decrease of 6.98.
For PBIT Margin (%), as of Mar 25, the value is 76.46. This value exceeds the healthy maximum of 20. It has decreased from 84.38 (Mar 24) to 76.46, marking a decrease of 7.92.
For PBT Margin (%), as of Mar 25, the value is 75.76. This value is within the healthy range. It has decreased from 83.97 (Mar 24) to 75.76, marking a decrease of 8.21.
For Net Profit Margin (%), as of Mar 25, the value is 49.90. This value exceeds the healthy maximum of 10. It has decreased from 65.95 (Mar 24) to 49.90, marking a decrease of 16.05.
For NP After MI And SOA Margin (%), as of Mar 25, the value is 266.57. This value exceeds the healthy maximum of 20. It has increased from 183.00 (Mar 24) to 266.57, marking an increase of 83.57.
For Return on Networth / Equity (%), as of Mar 25, the value is 7.35. This value is below the healthy minimum of 15. It has decreased from 11.12 (Mar 24) to 7.35, marking a decrease of 3.77.
For Return on Capital Employeed (%), as of Mar 25, the value is 2.03. This value is below the healthy minimum of 10. It has decreased from 4.98 (Mar 24) to 2.03, marking a decrease of 2.95.
For Return On Assets (%), as of Mar 25, the value is 7.06. This value is within the healthy range. It has decreased from 10.77 (Mar 24) to 7.06, marking a decrease of 3.71.
For Asset Turnover Ratio (%), as of Mar 25, the value is 0.02. It has decreased from 0.06 (Mar 24) to 0.02, marking a decrease of 0.04.
For Current Ratio (X), as of Mar 25, the value is 262.02. This value exceeds the healthy maximum of 3. It has increased from 242.66 (Mar 24) to 262.02, marking an increase of 19.36.
For Quick Ratio (X), as of Mar 25, the value is 262.00. This value exceeds the healthy maximum of 2. It has increased from 242.66 (Mar 24) to 262.00, marking an increase of 19.34.
For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 8.33 (Mar 24) to 0.00, marking a decrease of 8.33.
For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 8.28 (Mar 24) to 0.00, marking a decrease of 8.28.
For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 91.67 (Mar 24) to 0.00, marking a decrease of 91.67.
For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 91.72 (Mar 24) to 0.00, marking a decrease of 91.72.
For Interest Coverage Ratio (X), as of Mar 25, the value is 111.21. This value is within the healthy range. It has decreased from 210.04 (Mar 24) to 111.21, marking a decrease of 98.83.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 71.78. This value is within the healthy range. It has decreased from 163.23 (Mar 24) to 71.78, marking a decrease of 91.45.
For Enterprise Value (Cr.), as of Mar 25, the value is 6,792.23. It has increased from 4,251.74 (Mar 24) to 6,792.23, marking an increase of 2,540.49.
For EV / Net Operating Revenue (X), as of Mar 25, the value is 43.94. This value exceeds the healthy maximum of 3. It has increased from 14.59 (Mar 24) to 43.94, marking an increase of 29.35.
For EV / EBITDA (X), as of Mar 25, the value is 56.03. This value exceeds the healthy maximum of 15. It has increased from 17.09 (Mar 24) to 56.03, marking an increase of 38.94.
For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 44.04. This value exceeds the healthy maximum of 3. It has increased from 15.22 (Mar 24) to 44.04, marking an increase of 28.82.
For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 91.66 (Mar 24) to 0.00, marking a decrease of 91.66.
For Price / BV (X), as of Mar 25, the value is 1.21. This value is within the healthy range. It has increased from 0.92 (Mar 24) to 1.21, marking an increase of 0.29.
For Price / Net Operating Revenue (X), as of Mar 25, the value is 44.04. This value exceeds the healthy maximum of 3. It has increased from 15.22 (Mar 24) to 44.04, marking an increase of 28.82.
For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has decreased from 0.12 (Mar 24) to 0.06, marking a decrease of 0.06.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Sundaram Finance Holdings Ltd as of June 28, 2025 is: 444.65

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of June 28, 2025, Sundaram Finance Holdings Ltd is Overvalued by 12.64% compared to the current share price 509.00

Intrinsic Value of Sundaram Finance Holdings Ltd as of June 28, 2025 is: 626.90

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of June 28, 2025, Sundaram Finance Holdings Ltd is Undervalued by 23.16% compared to the current share price 509.00

Last 5 Year EPS CAGR: 40.99%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The company has higher reserves (3,181.88 cr) compared to borrowings (7.63 cr), indicating strong financial stability. The company has shown consistent growth in sales (117.88 cr) and profit (68.13 cr) over the years.	The stock has a low average ROCE of 1.86%, which may not be favorable. The stock has a high average Working Capital Days of 51.14, which may not be favorable. The stock has a high average Cash Conversion Cycle of 30.57, which may not be favorable.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Sundaram Finance Holdings Ltd:
1. Net Profit Margin: 49.9%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 2.03% (Industry Average ROCE: 19.33%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 7.35% (Industry Average ROE: 13.16%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 71.78
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 262
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 27.4 (Industry average Stock P/E: 76.4)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 0
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Sundaram Finance Holdings Ltd. is a Public Limited Listed company incorporated on 13/10/1993 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65100TN1993PLC025996 and registration number is 025996. Currently Company is involved in the business activities of Financial service activities, except insurance and pension funding. Company's Total Operating Revenue is Rs. 275.97 Cr. and Equity Capital is Rs. 111.05 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Finance & Investments	21, Patullos Road, Chennai (Madras) Tamil Nadu 600002	investorservices@sundaramholdings.in http://www.sundaramholdings.in

Management
Name	Position Held
Mr. Harsha Viji	Chairman
Mr. R Venkatraman	Director
Ms. Shobhana Ramachandhran	Director
Ms. Sripriya Kumar	Director
Mr. Srivats Ram	Director
Mr. Ananth Ramanujam	Director
Ms. Priyamvada Ramkumar	Director
Mr. Sriram Viji	Director

FAQ

What is the intrinsic value of Sundaram Finance Holdings Ltd?

Sundaram Finance Holdings Ltd's intrinsic value (as of 28 June 2025) is 444.65 — 12.64% lower the current market price of 509.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 11,313 Cr. market cap, FY2025-2026 high/low of 516/240, reserves of 5,496 Cr, and liabilities of 5,837 Cr.

What is the Market Cap of Sundaram Finance Holdings Ltd?

The Market Cap of Sundaram Finance Holdings Ltd is 11,313 Cr..

What is the current Stock Price of Sundaram Finance Holdings Ltd as on 28 June 2025?

The current stock price of Sundaram Finance Holdings Ltd as on 28 June 2025 is 509.

What is the High / Low of Sundaram Finance Holdings Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Sundaram Finance Holdings Ltd stocks is ₹516/240.

What is the Stock P/E of Sundaram Finance Holdings Ltd?

The Stock P/E of Sundaram Finance Holdings Ltd is 27.4.

What is the Book Value of Sundaram Finance Holdings Ltd?

The Book Value of Sundaram Finance Holdings Ltd is 252.

What is the Dividend Yield of Sundaram Finance Holdings Ltd?

The Dividend Yield of Sundaram Finance Holdings Ltd is 1.51 %.

What is the ROCE of Sundaram Finance Holdings Ltd?

The ROCE of Sundaram Finance Holdings Ltd is 2.27 %.

What is the ROE of Sundaram Finance Holdings Ltd?

The ROE of Sundaram Finance Holdings Ltd is 7.93 %.

What is the Face Value of Sundaram Finance Holdings Ltd?

The Face Value of Sundaram Finance Holdings Ltd is 5.00.