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Last Updated on: 04 April, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo

Sundaram Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 2, 2025, 9:05 pm

Market Cap 49,844 Cr.
Current Price 4,482
High / Low 5,536/3,733
Stock P/E30.6
Book Value 1,126
Dividend Yield0.67 %
ROCE9.21 %
ROE14.2 %
Face Value 10.0
PEG Ratio4.73

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

View Share Price Target for Sundaram Finance Ltd

Competitors of Sundaram Finance Ltd

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
MKVentures Capital Ltd 567 Cr. 1,474 2,800/1,21227.5 2670.07 %20.6 %33.6 % 10.0
Modern Shares & Stockbrokers Ltd 14.6 Cr. 49.8 69.4/36.041.7 43.90.00 %4.33 %3.24 % 10.0
Monarch Networth Capital Ltd 2,644 Cr. 337 501/22617.0 93.00.15 %51.8 %43.4 % 10.0
Monotype India Ltd 51.3 Cr. 0.73 2.42/0.606.42 0.130.00 %438 %% 1.00
Multipurpose Trading & Agencies Ltd 5.10 Cr. 10.3 13.3/7.9326.8 10.20.00 %4.44 %3.91 % 10.0
Industry Average6,854.22 Cr1,387.6986.075,208.090.37%18.65%17.36%7.36

All Competitor Stocks of Sundaram Finance Ltd

Quarterly Result

MetricDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Revenue1,2861,2721,2461,3371,4101,4841,5821,7081,8212,1561,9522,0852,190
Interest 5515465415786226677398219109489851,0501,087
Expenses 367274331329327300382375351524402436462
Financing Profit369452375430460516461512561684565599642
Financing Margin %29%36%30%32%33%35%29%30%31%32%29%29%29%
Other Income 42373158827-9081117
Depreciation 25342933364139444853485358
Profit before tax 347441353400425533430471520541525557601
Tax % 24%21%27%30%24%23%28%30%23%28%23%27%25%
Net Profit 314398277332382509429435506472435436455
EPS in Rs 26.0030.6022.1127.5529.9638.9933.7732.8938.4724.1139.1439.2641.00
Gross NPA %
Net NPA %

Last Updated: February 28, 2025, 4:53 pm

Below is a detailed analysis of the quarterly data for Sundaram Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

  • For Interest, as of Dec 2024, the value is ₹1,087.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,050.00 Cr. (Sep 2024) to ₹1,087.00 Cr., marking an increase of 37.00 Cr..
  • For Expenses, as of Dec 2024, the value is ₹462.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 436.00 Cr. (Sep 2024) to ₹462.00 Cr., marking an increase of 26.00 Cr..
  • For Other Income, as of Dec 2024, the value is ₹17.00 Cr.. The value appears strong and on an upward trend. It has increased from 11.00 Cr. (Sep 2024) to ₹17.00 Cr., marking an increase of 6.00 Cr..
  • For Depreciation, as of Dec 2024, the value is ₹58.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 53.00 Cr. (Sep 2024) to ₹58.00 Cr., marking an increase of 5.00 Cr..
  • For Profit before tax, as of Dec 2024, the value is ₹601.00 Cr.. The value appears strong and on an upward trend. It has increased from 557.00 Cr. (Sep 2024) to ₹601.00 Cr., marking an increase of 44.00 Cr..
  • For Tax %, as of Dec 2024, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 27.00% (Sep 2024) to 25.00%, marking a decrease of 2.00%.
  • For Net Profit, as of Dec 2024, the value is ₹455.00 Cr.. The value appears strong and on an upward trend. It has increased from 436.00 Cr. (Sep 2024) to ₹455.00 Cr., marking an increase of 19.00 Cr..
  • For EPS in Rs, as of Dec 2024, the value is 41.00. The value appears strong and on an upward trend. It has increased from 39.26 (Sep 2024) to 41.00, marking an increase of 1.74.

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: March 6, 2025, 2:43 pm

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Revenue3,7034,1074,2855,0275,5886,3313,6964,7075,2925,1115,5017,2748,382
Interest 1,5161,7241,7821,8141,7351,3441,7702,4272,6592,2362,4103,4184,070
Expenses 1,2881,3891,5052,2212,7353,9069321,2221,2351,3921,2851,6321,823
Financing Profit9009939999921,1181,0809941,0571,3981,4831,8062,2242,490
Financing Margin %24%24%23%20%20%17%27%22%26%29%33%31%30%
Other Income 8-5-27781348248243543-80-54
Depreciation 10111211210610479589093101139183212
Profit before tax 8078768608931,0221,0141,4181,0161,3301,4171,7111,9612,223
Tax % 31%34%33%34%34%34%27%21%25%25%25%27%
Net Profit 6206506446627688431,2588451,2231,2961,5101,8421,799
EPS in Rs 50.7652.3051.8352.4961.5265.70104.4971.25104.87105.61119.51129.25143.51
Dividend Payout % 18%19%20%21%19%18%17%18%17%19%22%23%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)4.84%-0.92%2.80%16.01%9.77%49.23%-32.83%44.73%5.97%16.51%21.99%
Change in YoY Net Profit Growth (%)0.00%-5.76%3.72%13.22%-6.25%39.46%-82.06%77.56%-38.76%10.54%5.47%

Sundaram Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:6%
5 Years:15%
3 Years:11%
TTM:27%
Compounded Profit Growth
10 Years:10%
5 Years:12%
3 Years:9%
TTM:2%
Stock Price CAGR
10 Years:12%
5 Years:31%
3 Years:30%
1 Year:6%
Return on Equity
10 Years:14%
5 Years:14%
3 Years:14%
Last Year:14%

Last Updated: Unknown

Balance Sheet

Last Updated: March 14, 2025, 2:45 pm

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Sep 2024
Equity Capital 111111111111111110110110110110110110110
Reserves 2,5032,9693,6394,0844,6985,5396,1496,5677,6208,6859,81010,96812,400
Deposits0000000000000
Borrowings 16,79517,82818,79518,75820,21621,06925,02335,93936,46136,35642,69452,33456,256
Other Liabilities 2,6373,0053,2415,0955,7247,2682,3882,1052,3693,0033,462864893
Total Liabilities 22,04623,91425,78528,04830,74933,98633,67144,72146,56048,15456,07664,27669,659
Fixed Assets 5415595158178628214519038651,1171,2961,3891,430
CWIP 0324330000150
Investments 1,9632,4502,7314,0264,8158,6934,5395,0966,0578,0888,0825,7326,423
Other Assets 19,54220,90322,53723,20125,07024,46928,68038,72239,63838,95046,69757,15061,806
Total Assets 22,04623,91425,78528,04830,74933,98633,67144,72146,56048,15456,07664,27669,659

Below is a detailed analysis of the balance sheet data for Sundaram Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

  • For Equity Capital, as of Sep 2024, the value is ₹110.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 110.00 Cr..
  • For Reserves, as of Sep 2024, the value is ₹12,400.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,968.00 Cr. (Mar 2024) to ₹12,400.00 Cr., marking an increase of 1,432.00 Cr..
  • For Borrowings, as of Sep 2024, the value is ₹56,256.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 52,334.00 Cr. (Mar 2024) to ₹56,256.00 Cr., marking an increase of 3,922.00 Cr..
  • For Other Liabilities, as of Sep 2024, the value is ₹893.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 864.00 Cr. (Mar 2024) to ₹893.00 Cr., marking an increase of 29.00 Cr..
  • For Total Liabilities, as of Sep 2024, the value is ₹69,659.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 64,276.00 Cr. (Mar 2024) to ₹69,659.00 Cr., marking an increase of 5,383.00 Cr..
  • For Fixed Assets, as of Sep 2024, the value is ₹1,430.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,389.00 Cr. (Mar 2024) to ₹1,430.00 Cr., marking an increase of 41.00 Cr..
  • For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 5.00 Cr..
  • For Investments, as of Sep 2024, the value is ₹6,423.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,732.00 Cr. (Mar 2024) to ₹6,423.00 Cr., marking an increase of 691.00 Cr..
  • For Other Assets, as of Sep 2024, the value is ₹61,806.00 Cr.. The value appears strong and on an upward trend. It has increased from 57,150.00 Cr. (Mar 2024) to ₹61,806.00 Cr., marking an increase of 4,656.00 Cr..
  • For Total Assets, as of Sep 2024, the value is ₹69,659.00 Cr.. The value appears strong and on an upward trend. It has increased from 64,276.00 Cr. (Mar 2024) to ₹69,659.00 Cr., marking an increase of 5,383.00 Cr..

However, the Borrowings (56,256.00 Cr.) are higher than the Reserves (₹12,400.00 Cr.), which may signal higher financial risk.

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

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +-2,210-564-1,430310-965-5,547-4,20094501,781-6,504-8,486
Cash from Investing Activity +-483-228446-83-554-1,1821,000-1,983-243-1,59766989
Cash from Financing Activity +2,7131,004757-2611,3946,7563,2121,862-122-2005,8908,754
Net Cash Flow19213-227-33-1242712-11185-1654357

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow1.001.001.002.002.003.00932.001.001.001.001.001.00

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 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
ROE %24%21%17%15%15%14%14%12%16%14%14%14%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Promoters38.49%38.49%38.49%38.49%38.49%38.49%38.49%37.88%37.87%37.86%37.23%37.22%
FIIs9.91%0.00%7.57%7.69%7.78%7.78%8.35%8.31%13.36%17.31%18.42%18.61%
DIIs14.27%24.06%16.70%16.80%16.87%16.94%16.55%16.84%12.39%8.88%8.02%7.86%
Public36.50%36.64%36.41%36.20%36.04%35.97%35.80%36.16%35.58%35.14%35.53%35.51%
Others0.82%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
No. of Shareholders24,14924,82724,07323,69323,65235,74141,73842,59742,28843,76244,16845,966

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Kotak Emerging Equity Fund - Regular Plan2,743,1042.5962.36989,5442025-04-03177.21%
Axis ELSS Tax Saver Fund2,221,8812.27779.5989,5442025-04-03124.54%
SBI Magnum Midcap Fund1,490,0003.38522.74989,5442025-04-0350.57%
Axis Midcap Fund1,113,6791.59390.71989,5442025-04-0312.54%
Axis Growth Opportunities Fund989,5443.24347.16989,5442025-04-030%
HSBC Midcap Fund743,5682.83260.87989,5442025-04-03-24.86%
Axis Small Cap Fund483,8720.91169.76989,5442025-04-03-51.1%
ICICI Prudential Equity & Debt Fund428,1550.5150.21989,5442025-04-03-56.73%
Axis Multicap Fund337,8852.49118.54989,5442025-04-03-65.85%
UTI Mid Cap Fund306,5021.1107.53989,5442025-04-03-69.03%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 130.31119.59106.48105.7471.85
Diluted EPS (Rs.) 130.31119.59106.48105.7471.85
Cash EPS (Rs.) 145.67128.00105.9899.3881.23
Book Value[Excl.RevalReserv]/Share (Rs.) 1005.281146.871006.34857.73738.21
Book Value[Incl.RevalReserv]/Share (Rs.) 1005.281146.871006.34857.73738.21
Revenue From Operations / Share (Rs.) 659.45496.93463.60476.28426.23
PBDIT / Share (Rs.) 513.03386.22340.68370.48319.21
PBIT / Share (Rs.) 496.43373.63331.50362.04311.09
PBT / Share (Rs.) 177.96155.26128.56120.6790.73
Net Profit / Share (Rs.) 129.08115.4096.8090.9473.10
NP After MI And SOA / Share (Rs.) 130.31119.58106.48105.7471.85
PBDIT Margin (%) 77.7977.7273.4877.7874.89
PBIT Margin (%) 75.2875.1871.5076.0172.98
PBT Margin (%) 26.9831.2427.7325.3321.28
Net Profit Margin (%) 19.5723.2220.8719.0917.15
NP After MI And SOA Margin (%) 19.7624.0622.9622.2016.85
Return on Networth / Equity (%) 12.9613.2913.3415.0711.85
Return on Capital Employeed (%) 48.7510.529.8611.2541.74
Return On Assets (%) 2.232.352.432.501.76
Long Term Debt / Equity (X) 0.002.662.943.350.00
Total Debt / Equity (X) 2.204.314.134.725.38
Asset Turnover Ratio (%) 0.120.100.090.090.11
Current Ratio (X) 1.173.194.174.051.18
Quick Ratio (X) 1.173.194.174.051.18
Dividend Payout Ratio (NP) (%) 0.0018.3615.0014.1837.71
Dividend Payout Ratio (CP) (%) 0.0016.6113.8113.1333.87
Earning Retention Ratio (%) 0.0081.6485.0085.8262.29
Cash Earning Retention Ratio (%) 0.0083.3986.1986.8766.13
Interest Coverage Ratio (X) 1.651.771.681.531.45
Interest Coverage Ratio (Post Tax) (X) 1.441.531.481.381.33
Enterprise Value (Cr.) 68788.5369449.2359322.3965865.5449833.86
EV / Net Operating Revenue (X) 9.4112.6811.6112.5510.61
EV / EBITDA (X) 12.1016.3215.8016.1414.17
MarketCap / Net Operating Revenue (X) 6.264.604.195.432.82
Retention Ratios (%) 0.0081.6384.9985.8162.28
Price / BV (X) 4.112.542.433.681.98
Price / Net Operating Revenue (X) 6.264.604.195.432.82
EarningsYield 0.030.050.050.040.05

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

  • For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
  • For Basic EPS (Rs.), as of Mar 24, the value is 130.31. This value is within the healthy range. It has increased from 119.59 (Mar 23) to 130.31, marking an increase of 10.72.
  • For Diluted EPS (Rs.), as of Mar 24, the value is 130.31. This value is within the healthy range. It has increased from 119.59 (Mar 23) to 130.31, marking an increase of 10.72.
  • For Cash EPS (Rs.), as of Mar 24, the value is 145.67. This value is within the healthy range. It has increased from 128.00 (Mar 23) to 145.67, marking an increase of 17.67.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 1,005.28. It has decreased from 1,146.87 (Mar 23) to 1,005.28, marking a decrease of 141.59.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 1,005.28. It has decreased from 1,146.87 (Mar 23) to 1,005.28, marking a decrease of 141.59.
  • For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 659.45. It has increased from 496.93 (Mar 23) to 659.45, marking an increase of 162.52.
  • For PBDIT / Share (Rs.), as of Mar 24, the value is 513.03. This value is within the healthy range. It has increased from 386.22 (Mar 23) to 513.03, marking an increase of 126.81.
  • For PBIT / Share (Rs.), as of Mar 24, the value is 496.43. This value is within the healthy range. It has increased from 373.63 (Mar 23) to 496.43, marking an increase of 122.80.
  • For PBT / Share (Rs.), as of Mar 24, the value is 177.96. This value is within the healthy range. It has increased from 155.26 (Mar 23) to 177.96, marking an increase of 22.70.
  • For Net Profit / Share (Rs.), as of Mar 24, the value is 129.08. This value is within the healthy range. It has increased from 115.40 (Mar 23) to 129.08, marking an increase of 13.68.
  • For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 130.31. This value is within the healthy range. It has increased from 119.58 (Mar 23) to 130.31, marking an increase of 10.73.
  • For PBDIT Margin (%), as of Mar 24, the value is 77.79. This value is within the healthy range. It has increased from 77.72 (Mar 23) to 77.79, marking an increase of 0.07.
  • For PBIT Margin (%), as of Mar 24, the value is 75.28. This value exceeds the healthy maximum of 20. It has increased from 75.18 (Mar 23) to 75.28, marking an increase of 0.10.
  • For PBT Margin (%), as of Mar 24, the value is 26.98. This value is within the healthy range. It has decreased from 31.24 (Mar 23) to 26.98, marking a decrease of 4.26.
  • For Net Profit Margin (%), as of Mar 24, the value is 19.57. This value exceeds the healthy maximum of 10. It has decreased from 23.22 (Mar 23) to 19.57, marking a decrease of 3.65.
  • For NP After MI And SOA Margin (%), as of Mar 24, the value is 19.76. This value is within the healthy range. It has decreased from 24.06 (Mar 23) to 19.76, marking a decrease of 4.30.
  • For Return on Networth / Equity (%), as of Mar 24, the value is 12.96. This value is below the healthy minimum of 15. It has decreased from 13.29 (Mar 23) to 12.96, marking a decrease of 0.33.
  • For Return on Capital Employeed (%), as of Mar 24, the value is 48.75. This value is within the healthy range. It has increased from 10.52 (Mar 23) to 48.75, marking an increase of 38.23.
  • For Return On Assets (%), as of Mar 24, the value is 2.23. This value is below the healthy minimum of 5. It has decreased from 2.35 (Mar 23) to 2.23, marking a decrease of 0.12.
  • For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 2.66 (Mar 23) to 0.00, marking a decrease of 2.66.
  • For Total Debt / Equity (X), as of Mar 24, the value is 2.20. This value exceeds the healthy maximum of 1. It has decreased from 4.31 (Mar 23) to 2.20, marking a decrease of 2.11.
  • For Asset Turnover Ratio (%), as of Mar 24, the value is 0.12. It has increased from 0.10 (Mar 23) to 0.12, marking an increase of 0.02.
  • For Current Ratio (X), as of Mar 24, the value is 1.17. This value is below the healthy minimum of 1.5. It has decreased from 3.19 (Mar 23) to 1.17, marking a decrease of 2.02.
  • For Quick Ratio (X), as of Mar 24, the value is 1.17. This value is within the healthy range. It has decreased from 3.19 (Mar 23) to 1.17, marking a decrease of 2.02.
  • For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 18.36 (Mar 23) to 0.00, marking a decrease of 18.36.
  • For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 16.61 (Mar 23) to 0.00, marking a decrease of 16.61.
  • For Earning Retention Ratio (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 81.64 (Mar 23) to 0.00, marking a decrease of 81.64.
  • For Cash Earning Retention Ratio (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 83.39 (Mar 23) to 0.00, marking a decrease of 83.39.
  • For Interest Coverage Ratio (X), as of Mar 24, the value is 1.65. This value is below the healthy minimum of 3. It has decreased from 1.77 (Mar 23) to 1.65, marking a decrease of 0.12.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.44. This value is below the healthy minimum of 3. It has decreased from 1.53 (Mar 23) to 1.44, marking a decrease of 0.09.
  • For Enterprise Value (Cr.), as of Mar 24, the value is 68,788.53. It has decreased from 69,449.23 (Mar 23) to 68,788.53, marking a decrease of 660.70.
  • For EV / Net Operating Revenue (X), as of Mar 24, the value is 9.41. This value exceeds the healthy maximum of 3. It has decreased from 12.68 (Mar 23) to 9.41, marking a decrease of 3.27.
  • For EV / EBITDA (X), as of Mar 24, the value is 12.10. This value is within the healthy range. It has decreased from 16.32 (Mar 23) to 12.10, marking a decrease of 4.22.
  • For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 6.26. This value exceeds the healthy maximum of 3. It has increased from 4.60 (Mar 23) to 6.26, marking an increase of 1.66.
  • For Retention Ratios (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 81.63 (Mar 23) to 0.00, marking a decrease of 81.63.
  • For Price / BV (X), as of Mar 24, the value is 4.11. This value exceeds the healthy maximum of 3. It has increased from 2.54 (Mar 23) to 4.11, marking an increase of 1.57.
  • For Price / Net Operating Revenue (X), as of Mar 24, the value is 6.26. This value exceeds the healthy maximum of 3. It has increased from 4.60 (Mar 23) to 6.26, marking an increase of 1.66.
  • For EarningsYield, as of Mar 24, the value is 0.03. This value is below the healthy minimum of 5. It has decreased from 0.05 (Mar 23) to 0.03, marking a decrease of 0.02.

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 Ltd as of April 4, 2025 is: 3,940.38

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 April 4, 2025, Sundaram Finance Ltd is Overvalued by 12.08% compared to the current share price 4,482.00

Intrinsic Value of Sundaram Finance Ltd as of April 4, 2025 is: 4,195.51

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 April 4, 2025, Sundaram Finance Ltd is Overvalued by 6.39% compared to the current share price 4,482.00

Last 5 Year EPS CAGR: 6.47%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

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 Ltd:
    1. Net Profit Margin: 19.57%
      • 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: 48.75% (Industry Average ROCE: 18.65%)
      • 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%: 12.96% (Industry Average ROE: 17.36%)
      • 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): 1.44
      • 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: 1.17
      • 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: 30.6 (Industry average Stock P/E: 86.07)
      • 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: 2.2
      • 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 Ltd. is a Public Limited Listed company incorporated on 11/08/1954 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65191TN1954PLC002429 and registration number is 002429. Currently Company is involved in the business activities of Financial service activities, except insurance and pension funding. Company's Total Operating Revenue is Rs. 5479.94 Cr. and Equity Capital is Rs. 111.10 Cr. for the Year ended 31/03/2024.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)21, Patullos Road, Chennai (Madras) Tamil Nadu 600002investorservices@sundaramfinance.in
http://www.sundaramfinance.in
Management
NamePosition Held
Mr. S VijiChairman
Mr. Harsha VijiExecutive Vice Chairman
Mr. Rajiv C LochanManaging Director
Mr. A N RajuDeputy Managing Director
Mr. Srivats RamNon Executive Director
Mr. T T SrinivasaraghavanNon Executive Director
Mr. S MahalingamIndependent Director
Mr. L GaneshIndependent Director
Mr. R Raghuttama RaoIndependent Director
Mrs. Bhavani BalasubramanianIndependent Director
Dr. Kshama FernandesIndependent Director
Mr. R VenkatramanIndependent Director
Mrs. Anuradha RaoIndependent Director

FAQ

What is the intrinsic value of Sundaram Finance Ltd?

Sundaram Finance Ltd's intrinsic value (as of 03 April 2025) is ₹3940.38 — 12.08% lower the current market price of ₹4,482.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 49,844 Cr. market cap, FY2025-2026 high/low of ₹5,536/3,733, reserves of 12,400 Cr, and liabilities of 69,659 Cr.

What is the Market Cap of Sundaram Finance Ltd?

The Market Cap of Sundaram Finance Ltd is 49,844 Cr..

What is the current Stock Price of Sundaram Finance Ltd as on 03 April 2025?

The current stock price of Sundaram Finance Ltd as on 03 April 2025 is 4,482.

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

In FY 2025-2026, the High / Low of Sundaram Finance Ltd stocks is ₹5,536/3,733.

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

The Stock P/E of Sundaram Finance Ltd is 30.6.

What is the Book Value of Sundaram Finance Ltd?

The Book Value of Sundaram Finance Ltd is 1,126.

What is the Dividend Yield of Sundaram Finance Ltd?

The Dividend Yield of Sundaram Finance Ltd is 0.67 %.

What is the ROCE of Sundaram Finance Ltd?

The ROCE of Sundaram Finance Ltd is 9.21 %.

What is the ROE of Sundaram Finance Ltd?

The ROE of Sundaram Finance Ltd is 14.2 %.

What is the Face Value of Sundaram Finance Ltd?

The Face Value of Sundaram Finance Ltd is 10.0.

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 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