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Last Updated: October 15, 2025, 10:22 pm
Author: Getaka|Social: XLinkedIn

Sundaram Finance Holdings Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹532.05Overvalued by 22.21%vs CMP ₹684.00

P/E (33.0) × ROE (7.9%) × BV (₹252.00) × DY (0.85%)

₹326.19Overvalued by 52.31%vs CMP ₹684.00
MoS: -109.7% (Negative)Confidence: 63/100 (Moderate)Models: 1 Fair, 8 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹654.5323%Fair (-4.3%)
Graham NumberEarnings₹342.6717%Over (-49.9%)
Earnings PowerEarnings₹150.5011%Over (-78%)
DCFCash Flow₹507.2411%Over (-25.8%)
Net Asset ValueAssets₹252.367%Over (-63.1%)
EV/EBITDAEnterprise₹63.559%Over (-90.7%)
Earnings YieldEarnings₹207.107%Over (-69.7%)
ROCE CapitalReturns₹13.087%Over (-98.1%)
Revenue MultipleRevenue₹10.466%Over (-98.5%)
Consensus (9 models)₹326.19100%Overvalued
Key Drivers: Wide model spread (₹10–₹655) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 23.0%

*Investments are subject to market risks

Investment Snapshot

53
Sundaram Finance Holdings Ltd scores 53/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health61/100 · Moderate
ROCE 2.3% WeakROE 7.9% AverageD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money60/100 · Moderate
FII holding up 0.39% (6mo) Slight increasePromoter holding at 55.0% Stable
Earnings Quality65/100 · Strong
OPM expanding (39% → 79%) Improving
Quarterly Momentum15/100 · Weak
Revenue (4Q): -6% YoY DecliningProfit (4Q): -20% YoY DecliningOPM: 26.0% (down 53.0% YoY) Margin pressure
Industry Rank65/100 · Strong
P/E 33.0 vs industry 98.5 Cheaper than peersROCE 2.3% vs industry 21.7% Below peers3Y sales CAGR: 22% High growth

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: October 15, 2025, 10:22 pm

Market Cap 15,197 Cr.
Current Price 684
Intrinsic Value₹326.19
High / Low 702/240
Stock P/E33.0
Book Value 252
Dividend Yield0.85 %
ROCE2.27 %
ROE7.93 %
Face Value 5.00
PEG Ratio1.43

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

View Share Price Target for Sundaram Finance Holdings Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Sundaram Finance Holdings Ltd 15,197 Cr. 684 702/24033.0 2520.85 %2.27 %7.93 % 5.00
Computer Age Management Services Ltd 16,252 Cr. 655 875/61136.6 45.61.89 %54.8 %43.9 % 2.00
RRP Semiconductor Ltd 13,265 Cr. 9,736 11,902/642 6.860.00 %80.2 %209 % 10.0
JSW Holdings Ltd 13,056 Cr. 11,762 27,760/11,25090.2 30,2550.00 %0.82 %0.69 % 10.0
Edelweiss Financial Services Ltd 10,052 Cr. 106 131/73.517.0 46.71.41 %13.3 %8.68 % 1.00
Industry Average6,725.79 Cr1,029.6498.514,364.490.43%21.71%14.20%7.23

All Competitor Stocks of Sundaram Finance Holdings Ltd

Quarterly Result

MetricJun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Sales 1917203524242521843303349179
Expenses 121310101411121199912132
Operating Profit 7410241013132073421243747
OPM % 38%22%51%70%41%54%52%95%79%70%72%76%26%
Other Income 11111220120243
Interest 0000000000005
Depreciation 0001111111113
Profit before tax 8410241014152063422233882
Tax % 41%103%34%18%133%37%24%15%29%35%25%44%24%
Net Profit 41336599719110226911089106107158
EPS in Rs 1.851.502.914.443.184.084.6112.134.974.004.764.827.13

Last Updated: August 20, 2025, 3:00 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: October 15, 2025, 4:21 am

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 6910093598591291155291
Expenses 4959624861454839162
Operating Profit 214131102446243116129
OPM % 30%41%33%18%28%50%83%75%44%
Other Income 3256336547
Interest 000010116
Depreciation 111242335
Profit before tax 234235142247245117165
Tax % 22%28%16%32%21%32%21%34%
Net Profit 1301377874161238533412460
EPS in Rs 5.846.193.523.337.3510.7024.0018.5520.71
Dividend Payout % 17%19%24%10%37%37%32%32%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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:-6%
Compounded Profit Growth
10 Years:%
5 Years:39%
3 Years:36%
TTM:-20%
Stock Price CAGR
10 Years:%
5 Years:56%
3 Years:83%
1 Year:20%
Return on Equity
10 Years:%
5 Years:8%
3 Years:9%
Last Year:8%

Last Updated: September 5, 2025, 1:36 pm

Balance Sheet

Last Updated: October 10, 2025, 3:02 pm

MonthMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital 76767676111111111111
Reserves 2,7362,2901,7822,1192,8913,4594,6825,496
Borrowings 00243181816
Other Liabilities 12887631079046137214
Total Liabilities 2,9402,4531,9222,3063,0963,6354,9485,837
Fixed Assets 669109414049
CWIP 00000000
Investments 2,9102,4201,8792,2693,0533,5534,7085,738
Other Assets 24273527344020050
Total Assets 2,9402,4531,9222,3063,0963,6354,9485,837

Reserves and Borrowings Chart

Cash Flow - No data available for this post.

Free Cash Flow

MonthMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow21.0041.0029.006.0021.0028.00225.00100.00

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

MonthMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 553830332228814
Inventory Days
Days Payable
Cash Conversion Cycle 553830332228814
Working Capital Days 6160693452691354
ROCE %2%2%1%1%1%6%2%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Promoters 55.59%55.59%55.59%55.59%55.59%55.29%54.97%54.97%54.97%54.97%54.97%54.97%
FIIs 0.18%0.22%0.19%0.19%0.22%0.29%0.23%0.79%1.04%1.02%1.01%1.43%
DIIs 5.57%5.57%5.57%5.58%5.46%5.46%5.45%5.30%5.19%5.19%5.19%5.15%
Public 38.03%37.99%38.01%38.01%38.09%38.32%38.72%38.31%38.17%38.19%38.19%37.81%
Others 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.64%0.64%0.64%0.64%
No. of Shareholders 31,25331,33330,88530,40732,10433,55933,20134,44837,14239,44839,00137,271

Shareholding Pattern Chart

No. of Shareholders

Sundaram Finance Holdings Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Nippon India Small Cap Fund 8,201,672 0.49 329.838,206,3292025-12-15 03:04:08-0.06%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 5.005.005.005.005.00
Basic EPS (Rs.) 18.5524.0010.707.724.89
Diluted EPS (Rs.) 18.5524.0010.707.724.89
Cash EPS (Rs.) 3.618.781.490.970.73
Book Value[Excl.RevalReserv]/Share (Rs.) 252.43215.80160.74135.16145.27
Book Value[Incl.RevalReserv]/Share (Rs.) 252.43215.80160.74135.16145.27
Revenue From Operations / Share (Rs.) 6.9613.124.073.783.93
PBDIT / Share (Rs.) 5.4611.202.191.221.05
PBIT / Share (Rs.) 5.3211.072.121.020.95
PBT / Share (Rs.) 5.2711.022.100.980.94
Net Profit / Share (Rs.) 3.478.651.420.770.63
NP After MI And SOA / Share (Rs.) 18.5524.0010.707.354.89
PBDIT Margin (%) 78.4185.3953.8932.3026.72
PBIT Margin (%) 76.4684.3852.1027.0624.20
PBT Margin (%) 75.7683.9751.6226.0523.94
Net Profit Margin (%) 49.9065.9534.8420.6016.26
NP After MI And SOA Margin (%) 266.57183.00262.65194.49124.35
Return on Networth / Equity (%) 7.3511.126.655.433.36
Return on Capital Employeed (%) 2.034.981.300.730.62
Return On Assets (%) 7.0610.776.535.273.20
Asset Turnover Ratio (%) 0.020.060.020.030.02
Current Ratio (X) 262.02242.66171.91541.48258.12
Quick Ratio (X) 262.00242.66171.91541.48258.12
Dividend Payout Ratio (NP) (%) 0.008.3314.0213.6110.22
Dividend Payout Ratio (CP) (%) 0.008.2813.9213.2510.02
Earning Retention Ratio (%) 0.0091.6785.9886.3989.78
Cash Earning Retention Ratio (%) 0.0091.7286.0886.7589.98
Interest Coverage Ratio (X) 111.21210.04111.9932.14103.43
Interest Coverage Ratio (Post Tax) (X) 71.78163.2373.4121.5063.93
Enterprise Value (Cr.) 6792.234251.741734.731524.681137.05
EV / Net Operating Revenue (X) 43.9414.5919.1818.1719.14
EV / EBITDA (X) 56.0317.0935.5956.2571.62
MarketCap / Net Operating Revenue (X) 44.0415.2219.3618.3419.33
Retention Ratios (%) 0.0091.6685.9786.3889.77
Price / BV (X) 1.210.920.490.510.52
Price / Net Operating Revenue (X) 44.0415.2219.3618.3519.33
EarningsYield 0.060.120.130.100.06

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

TSF Investments 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.
INDUSTRYADDRESSCONTACT
Finance & Investments21, Patullos Road, Chennai (Madras) Tamil Nadu 600002Contact not found
Management
NamePosition Held
Mr. Harsha VijiChairman
Mr. R VenkatramanDirector
Ms. Shobhana RamachandhranDirector
Ms. Sripriya KumarDirector
Mr. Srivats RamDirector
Mr. Ananth RamanujamDirector
Ms. Priyamvada RamkumarDirector
Mr. Sriram VijiDirector

FAQ

What is the intrinsic value of Sundaram Finance Holdings Ltd and is it undervalued?

As of 15 April 2026, Sundaram Finance Holdings Ltd's intrinsic value is ₹326.19, which is 52.31% lower than the current market price of ₹684.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (7.93 %), book value (₹252), dividend yield (0.85 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Sundaram Finance Holdings Ltd?

Sundaram Finance Holdings Ltd is trading at ₹684.00 as of 15 April 2026, with a FY2026-2027 high of ₹702 and low of ₹240. The stock is currently near its 52-week high. Market cap stands at ₹15,197 Cr..

How does Sundaram Finance Holdings Ltd's P/E ratio compare to its industry?

Sundaram Finance Holdings Ltd has a P/E ratio of 33.0, which is below the industry average of 98.51. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Sundaram Finance Holdings Ltd financially healthy?

Key indicators for Sundaram Finance Holdings Ltd: ROCE of 2.27 % is on the lower side compared to the industry average of 21.71%; ROE of 7.93 % is below ideal levels (industry average: 14.20%). Dividend yield is 0.85 %.

Is Sundaram Finance Holdings Ltd profitable and how is the profit trend?

Sundaram Finance Holdings Ltd reported a net profit of ₹412 Cr in Mar 2025 on revenue of ₹155 Cr. Compared to ₹161 Cr in Mar 2022, the net profit shows an improving trend.

Does Sundaram Finance Holdings Ltd pay dividends?

Sundaram Finance Holdings Ltd has a dividend yield of 0.85 % at the current price of ₹684.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Sundaram Finance Holdings Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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