Share Price and Basic Stock Data
Last Updated: October 20, 2025, 7:06 pm
| PEG Ratio | 2.53 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Sundaram Finance Ltd operates within the finance and investments sector, demonstrating a robust revenue trajectory. For the fiscal year ending March 2025, the company reported a revenue of ₹8,513 Cr, a significant increase from ₹7,274 Cr in March 2024 and ₹5,501 Cr in March 2023. The quarterly revenue figures also reflect a strong upward trend, with revenues increasing from ₹1,246 Cr in June 2022 to ₹2,259 Cr in March 2025. The company’s ability to maintain a steady revenue growth pattern is evident, particularly with the revenue for the quarter ending March 2025 rising sharply compared to ₹1,484 Cr in March 2023. This growth can be attributed to effective financial strategies and a diversified portfolio, positioning the company favorably in the competitive landscape of financial services in India. However, the operating profit margin (OPM) remains unavailable, suggesting that the company may benefit from enhancing its operational efficiencies to complement revenue growth.
Profitability and Efficiency Metrics
Sundaram Finance’s profitability metrics reveal a solid performance, with a reported net profit of ₹1,879 Cr for the fiscal year ending March 2025, up from ₹1,510 Cr in March 2023. This translates to an impressive year-on-year growth, indicating effective cost management and revenue generation strategies. The earnings per share (EPS) stood at ₹169.17 for March 2025, reflecting a significant increase from ₹119.51 in March 2023. The return on equity (ROE) for the company was reported at 15.3%, aligning with industry standards, while the return on capital employed (ROCE) was at 9.64%. The interest coverage ratio (ICR) of 1.63x suggests that the company is adequately managing its interest obligations, although it remains on the lower side compared to typical industry averages, indicating potential risks in financial flexibility. Moreover, the financing margin fluctuated, with a notable decline to 27% in June 2025, necessitating a focus on improving profitability through operational efficiencies.
Balance Sheet Strength and Financial Ratios
The balance sheet of Sundaram Finance reflects a robust financial structure, with total assets amounting to ₹75,337 Cr as of March 2025, up from ₹64,276 Cr in March 2024. The company’s reserves stood at ₹13,087 Cr, indicating a strong equity base. However, total borrowings have increased significantly to ₹61,084 Cr in March 2025, up from ₹52,334 Cr in March 2024, which raises concerns regarding the debt-to-equity ratio of 4.63x. This high leverage may expose the company to interest rate risks and liquidity challenges. The current ratio of 1.19x suggests that the company maintains adequate liquidity, although it has decreased from previous years, which may warrant close monitoring. Additionally, the company’s book value per share rose to ₹1,197.43, indicating a solid foundation for shareholder value, despite the high price-to-book value ratio of 3.82x, which could imply overvaluation relative to the intrinsic asset value.
Shareholding Pattern and Investor Confidence
The shareholding structure of Sundaram Finance reveals a diverse investor base, with promoters holding 37.22% of the shares as of March 2025, a slight decline from previous quarters. Foreign institutional investors (FIIs) have increased their stake to 19%, indicating growing confidence from international investors. Meanwhile, domestic institutional investors (DIIs) hold 7.82%, showing a stable interest from local institutions. Public shareholding stands at 35.35%, reflecting a healthy distribution among retail investors. The total number of shareholders has seen a significant rise, reaching 49,279 by March 2025, which highlights an increasing interest in the company. This broad base of ownership can enhance market stability, although the declining promoter share could raise concerns about control and strategic direction. Investor confidence appears robust, supported by the company’s performance metrics, but close attention to the shifting dynamics of shareholding is essential.
Outlook, Risks, and Final Insight
If margins sustain and the company continues its trajectory of revenue growth, Sundaram Finance may enhance its profitability further, bolstered by improved operational efficiencies. However, the rising debt levels present a significant risk that could impact financial stability if not managed prudently. Additionally, fluctuations in interest rates and market conditions may pose challenges to maintaining profitability. The company’s ability to adapt to regulatory changes and competitive pressures will also be critical in safeguarding its market position. Overall, while the financials indicate a strong foundation, vigilance regarding debt management and operational performance will be crucial for sustaining growth and investor confidence in the coming years.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Sundaram Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 12.8 Cr. | 43.6 | 67.7/36.4 | 45.6 | 43.5 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,494 Cr. | 315 | 495/280 | 16.2 | 102 | 0.32 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 38.0 Cr. | 0.54 | 2.42/0.46 | 3.69 | 0.02 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.49 Cr. | 9.08 | 12.7/8.25 | 10.3 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 24.4 Cr. | 47.6 | 72.0/47.6 | 20.6 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 6,758.43 Cr | 1,430.27 | 130.31 | 3,769.18 | 0.31% | 21.70% | 14.20% | 7.28 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,246 | 1,337 | 1,410 | 1,484 | 1,582 | 1,708 | 1,821 | 2,156 | 1,952 | 2,085 | 2,190 | 2,259 | 2,349 |
| Interest | 541 | 578 | 622 | 667 | 739 | 821 | 910 | 948 | 985 | 1,050 | 1,087 | 1,104 | 1,163 |
| Expenses | 331 | 329 | 327 | 300 | 382 | 375 | 351 | 524 | 402 | 436 | 462 | 368 | 559 |
| Financing Profit | 375 | 430 | 460 | 516 | 461 | 512 | 561 | 684 | 565 | 599 | 642 | 787 | 627 |
| Financing Margin % | 30% | 32% | 33% | 35% | 29% | 30% | 31% | 32% | 29% | 29% | 29% | 35% | 27% |
| Other Income | 7 | 3 | 1 | 58 | 8 | 2 | 7 | -90 | 8 | 11 | 17 | 41 | 4 |
| Depreciation | 29 | 33 | 36 | 41 | 39 | 44 | 48 | 53 | 48 | 53 | 58 | 63 | 56 |
| Profit before tax | 353 | 400 | 425 | 533 | 430 | 471 | 520 | 541 | 525 | 557 | 601 | 765 | 575 |
| Tax % | 27% | 30% | 24% | 23% | 28% | 30% | 23% | 28% | 23% | 27% | 25% | 28% | 28% |
| Net Profit | 277 | 332 | 382 | 509 | 429 | 435 | 506 | 472 | 435 | 436 | 455 | 553 | 475 |
| EPS in Rs | 22.11 | 27.55 | 29.96 | 38.99 | 33.77 | 32.89 | 38.47 | 24.11 | 39.14 | 39.26 | 41.00 | 49.77 | 42.77 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 20, 2025, 2:55 am
Below is a detailed analysis of the quarterly data for Sundaram Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 1,163.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,104.00 Cr. (Mar 2025) to 1,163.00 Cr., marking an increase of 59.00 Cr..
- For Expenses, as of Jun 2025, the value is 559.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 368.00 Cr. (Mar 2025) to 559.00 Cr., marking an increase of 191.00 Cr..
- For Other Income, as of Jun 2025, the value is 4.00 Cr.. The value appears to be declining and may need further review. It has decreased from 41.00 Cr. (Mar 2025) to 4.00 Cr., marking a decrease of 37.00 Cr..
- For Depreciation, as of Jun 2025, the value is 56.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 63.00 Cr. (Mar 2025) to 56.00 Cr., marking a decrease of 7.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 575.00 Cr.. The value appears to be declining and may need further review. It has decreased from 765.00 Cr. (Mar 2025) to 575.00 Cr., marking a decrease of 190.00 Cr..
- For Tax %, as of Jun 2025, the value is 28.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 28.00%.
- For Net Profit, as of Jun 2025, the value is 475.00 Cr.. The value appears to be declining and may need further review. It has decreased from 553.00 Cr. (Mar 2025) to 475.00 Cr., marking a decrease of 78.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 42.77. The value appears to be declining and may need further review. It has decreased from 49.77 (Mar 2025) to 42.77, marking a decrease of 7.00.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:21 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,107 | 4,285 | 5,027 | 5,588 | 6,331 | 3,696 | 4,707 | 5,292 | 5,111 | 5,501 | 7,274 | 8,513 | 8,883 |
| Interest | 1,724 | 1,782 | 1,814 | 1,735 | 1,344 | 1,770 | 2,427 | 2,659 | 2,236 | 2,410 | 3,418 | 4,226 | 4,404 |
| Expenses | 1,389 | 1,505 | 2,221 | 2,735 | 3,906 | 932 | 1,222 | 1,235 | 1,392 | 1,285 | 1,632 | 1,667 | 1,824 |
| Financing Profit | 993 | 999 | 992 | 1,118 | 1,080 | 994 | 1,057 | 1,398 | 1,483 | 1,806 | 2,224 | 2,620 | 2,655 |
| Financing Margin % | 24% | 23% | 20% | 20% | 17% | 27% | 22% | 26% | 29% | 33% | 31% | 31% | 30% |
| Other Income | -5 | -27 | 7 | 8 | 13 | 482 | 48 | 24 | 35 | 43 | -80 | 50 | 73 |
| Depreciation | 112 | 112 | 106 | 104 | 79 | 58 | 90 | 93 | 101 | 139 | 183 | 223 | 230 |
| Profit before tax | 876 | 860 | 893 | 1,022 | 1,014 | 1,418 | 1,016 | 1,330 | 1,417 | 1,711 | 1,961 | 2,447 | 2,498 |
| Tax % | 34% | 33% | 34% | 34% | 34% | 27% | 21% | 25% | 25% | 25% | 27% | 26% | |
| Net Profit | 650 | 644 | 662 | 768 | 843 | 1,258 | 845 | 1,223 | 1,296 | 1,510 | 1,842 | 1,879 | 1,920 |
| EPS in Rs | 52.30 | 51.83 | 52.49 | 61.52 | 65.70 | 104.49 | 71.25 | 104.87 | 105.61 | 119.51 | 129.25 | 169.17 | 172.80 |
| Dividend Payout % | 19% | 20% | 21% | 19% | 18% | 17% | 18% | 17% | 19% | 22% | 23% | 21% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -0.92% | 2.80% | 16.01% | 9.77% | 49.23% | -32.83% | 44.73% | 5.97% | 16.51% | 21.99% | 2.01% |
| Change in YoY Net Profit Growth (%) | 0.00% | 3.72% | 13.22% | -6.25% | 39.46% | -82.06% | 77.56% | -38.76% | 10.54% | 5.47% | -19.98% |
Sundaram Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 7% |
| 5 Years: | 13% |
| 3 Years: | 19% |
| TTM: | 16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 19% |
| 3 Years: | 17% |
| TTM: | 25% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 26% |
| 3 Years: | 28% |
| 1 Year: | -8% |
| Return on Equity | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 15% |
| 3 Years: | 15% |
| Last Year: | 15% |
Last Updated: September 5, 2025, 1:36 pm
Balance Sheet
Last Updated: July 25, 2025, 2:16 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 111 | 111 | 111 | 111 | 110 | 110 | 110 | 110 | 110 | 110 | 110 | 110 |
| Reserves | 2,969 | 3,639 | 4,084 | 4,698 | 5,539 | 6,149 | 6,567 | 7,620 | 8,685 | 9,810 | 10,968 | 13,087 |
| Borrowing | 17,828 | 18,795 | 18,758 | 20,216 | 21,069 | 25,023 | 35,939 | 36,461 | 36,356 | 42,694 | 52,334 | 61,084 |
| Other Liabilities | 3,005 | 3,241 | 5,095 | 5,724 | 7,268 | 2,388 | 2,105 | 2,369 | 3,003 | 3,462 | 864 | 1,056 |
| Total Liabilities | 23,914 | 25,785 | 28,048 | 30,749 | 33,986 | 33,671 | 44,721 | 46,560 | 48,154 | 56,076 | 64,276 | 75,337 |
| Fixed Assets | 559 | 515 | 817 | 862 | 821 | 451 | 903 | 865 | 1,117 | 1,296 | 1,389 | 1,450 |
| CWIP | 3 | 2 | 4 | 3 | 3 | 0 | 0 | 0 | 0 | 1 | 5 | 1 |
| Investments | 2,450 | 2,731 | 4,026 | 4,815 | 8,693 | 4,539 | 5,096 | 6,057 | 8,088 | 8,082 | 5,732 | 6,481 |
| Other Assets | 20,903 | 22,537 | 23,201 | 25,070 | 24,469 | 28,680 | 38,722 | 39,638 | 38,950 | 46,697 | 57,150 | 67,405 |
| Total Assets | 23,914 | 25,785 | 28,048 | 30,749 | 33,986 | 33,671 | 44,721 | 46,560 | 48,154 | 56,076 | 64,276 | 75,337 |
Below is a detailed analysis of the balance sheet data for Sundaram Finance 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 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 Mar 2025, the value is 13,087.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,968.00 Cr. (Mar 2024) to 13,087.00 Cr., marking an increase of 2,119.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 1,056.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 864.00 Cr. (Mar 2024) to 1,056.00 Cr., marking an increase of 192.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 75,337.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 64,276.00 Cr. (Mar 2024) to 75,337.00 Cr., marking an increase of 11,061.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1,450.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,389.00 Cr. (Mar 2024) to 1,450.00 Cr., marking an increase of 61.00 Cr..
- For CWIP, as of Mar 2025, the value is 1.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5.00 Cr. (Mar 2024) to 1.00 Cr., marking a decrease of 4.00 Cr..
- For Investments, as of Mar 2025, the value is 6,481.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,732.00 Cr. (Mar 2024) to 6,481.00 Cr., marking an increase of 749.00 Cr..
- For Other Assets, as of Mar 2025, the value is 67,405.00 Cr.. The value appears strong and on an upward trend. It has increased from 57,150.00 Cr. (Mar 2024) to 67,405.00 Cr., marking an increase of 10,255.00 Cr..
- For Total Assets, as of Mar 2025, the value is 75,337.00 Cr.. The value appears strong and on an upward trend. It has increased from 64,276.00 Cr. (Mar 2024) to 75,337.00 Cr., marking an increase of 11,061.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -16.00 | -17.00 | -16.00 | -18.00 | -18.00 | 907.00 | -34.00 | -35.00 | -35.00 | -41.00 | -51.00 | -60.00 |
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.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 21% | 17% | 15% | 15% | 14% | 14% | 12% | 16% | 14% | 14% | 14% | 15% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Kotak Emerging Equity Fund - Regular Plan | 2,743,104 | 2.5 | 962.36 | 2,743,104 | 2025-04-22 17:25:19 | 0% |
| Axis ELSS Tax Saver Fund | 2,221,881 | 2.27 | 779.5 | 2,221,881 | 2025-04-22 15:56:53 | 0% |
| SBI Magnum Midcap Fund | 1,490,000 | 3.38 | 522.74 | 1,490,000 | 2025-04-22 15:56:53 | 0% |
| Axis Midcap Fund | 1,113,679 | 1.59 | 390.71 | 1,113,679 | 2025-04-22 17:25:19 | 0% |
| Axis Growth Opportunities Fund | 989,544 | 3.24 | 347.16 | 989,544 | 2025-04-22 17:25:19 | 0% |
| HSBC Midcap Fund | 743,568 | 2.83 | 260.87 | 743,568 | 2025-04-22 15:56:53 | 0% |
| Axis Small Cap Fund | 483,872 | 0.91 | 169.76 | 483,872 | 2025-04-22 17:25:19 | 0% |
| ICICI Prudential Equity & Debt Fund | 428,155 | 0.5 | 150.21 | 428,155 | 2025-04-22 15:56:53 | 0% |
| Axis Multicap Fund | 337,885 | 2.49 | 118.54 | 337,885 | 2025-04-22 15:56:53 | 0% |
| UTI Mid Cap Fund | 306,502 | 1.1 | 107.53 | 306,502 | 2025-04-22 15:56:53 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 170.53 | 130.31 | 119.59 | 106.48 | 105.74 |
| Diluted EPS (Rs.) | 170.53 | 130.31 | 119.59 | 106.48 | 105.74 |
| Cash EPS (Rs.) | 184.68 | 145.67 | 128.00 | 105.98 | 99.38 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 1197.43 | 1005.28 | 1146.87 | 1006.34 | 857.73 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 1197.43 | 1005.28 | 1146.87 | 1006.34 | 857.73 |
| Revenue From Operations / Share (Rs.) | 769.95 | 659.45 | 496.93 | 463.60 | 476.28 |
| PBDIT / Share (Rs.) | 625.71 | 513.03 | 386.22 | 340.68 | 370.48 |
| PBIT / Share (Rs.) | 605.51 | 496.43 | 373.63 | 331.50 | 362.04 |
| PBT / Share (Rs.) | 222.07 | 177.96 | 155.26 | 128.56 | 120.67 |
| Net Profit / Share (Rs.) | 164.49 | 129.08 | 115.40 | 96.80 | 90.94 |
| NP After MI And SOA / Share (Rs.) | 170.53 | 130.31 | 119.58 | 106.48 | 105.74 |
| PBDIT Margin (%) | 81.26 | 77.79 | 77.72 | 73.48 | 77.78 |
| PBIT Margin (%) | 78.64 | 75.28 | 75.18 | 71.50 | 76.01 |
| PBT Margin (%) | 28.84 | 26.98 | 31.24 | 27.73 | 25.33 |
| Net Profit Margin (%) | 21.36 | 19.57 | 23.22 | 20.87 | 19.09 |
| NP After MI And SOA Margin (%) | 22.14 | 19.76 | 24.06 | 22.96 | 22.20 |
| Return on Networth / Equity (%) | 14.24 | 12.96 | 13.29 | 13.34 | 15.07 |
| Return on Capital Employeed (%) | 49.87 | 13.96 | 10.52 | 9.86 | 11.25 |
| Return On Assets (%) | 2.49 | 2.23 | 2.35 | 2.43 | 2.50 |
| Long Term Debt / Equity (X) | 0.00 | 2.52 | 2.66 | 2.94 | 3.35 |
| Total Debt / Equity (X) | 4.63 | 4.72 | 4.31 | 4.13 | 4.72 |
| Asset Turnover Ratio (%) | 0.12 | 0.12 | 0.10 | 0.09 | 0.09 |
| Current Ratio (X) | 1.19 | 2.48 | 3.19 | 4.17 | 4.05 |
| Quick Ratio (X) | 1.19 | 2.48 | 3.19 | 4.17 | 4.05 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 22.21 | 18.36 | 15.00 | 14.18 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 19.70 | 16.61 | 13.81 | 13.13 |
| Earning Retention Ratio (%) | 0.00 | 77.79 | 81.64 | 85.00 | 85.82 |
| Cash Earning Retention Ratio (%) | 0.00 | 80.30 | 83.39 | 86.19 | 86.87 |
| Interest Coverage Ratio (X) | 1.63 | 1.65 | 1.77 | 1.68 | 1.53 |
| Interest Coverage Ratio (Post Tax) (X) | 1.43 | 1.44 | 1.53 | 1.48 | 1.38 |
| Enterprise Value (Cr.) | 109814.49 | 96359.00 | 69449.23 | 59322.39 | 65865.54 |
| EV / Net Operating Revenue (X) | 12.89 | 13.26 | 12.68 | 11.61 | 12.55 |
| EV / EBITDA (X) | 15.87 | 17.04 | 16.32 | 15.80 | 16.14 |
| MarketCap / Net Operating Revenue (X) | 5.95 | 6.26 | 4.60 | 4.19 | 5.43 |
| Retention Ratios (%) | 0.00 | 77.78 | 81.63 | 84.99 | 85.81 |
| Price / BV (X) | 3.82 | 4.11 | 2.54 | 2.43 | 3.68 |
| Price / Net Operating Revenue (X) | 5.95 | 6.26 | 4.60 | 4.19 | 5.43 |
| EarningsYield | 0.03 | 0.03 | 0.05 | 0.05 | 0.04 |
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 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 170.53. This value is within the healthy range. It has increased from 130.31 (Mar 24) to 170.53, marking an increase of 40.22.
- For Diluted EPS (Rs.), as of Mar 25, the value is 170.53. This value is within the healthy range. It has increased from 130.31 (Mar 24) to 170.53, marking an increase of 40.22.
- For Cash EPS (Rs.), as of Mar 25, the value is 184.68. This value is within the healthy range. It has increased from 145.67 (Mar 24) to 184.68, marking an increase of 39.01.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1,197.43. It has increased from 1,005.28 (Mar 24) to 1,197.43, marking an increase of 192.15.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1,197.43. It has increased from 1,005.28 (Mar 24) to 1,197.43, marking an increase of 192.15.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 769.95. It has increased from 659.45 (Mar 24) to 769.95, marking an increase of 110.50.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 625.71. This value is within the healthy range. It has increased from 513.03 (Mar 24) to 625.71, marking an increase of 112.68.
- For PBIT / Share (Rs.), as of Mar 25, the value is 605.51. This value is within the healthy range. It has increased from 496.43 (Mar 24) to 605.51, marking an increase of 109.08.
- For PBT / Share (Rs.), as of Mar 25, the value is 222.07. This value is within the healthy range. It has increased from 177.96 (Mar 24) to 222.07, marking an increase of 44.11.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 164.49. This value is within the healthy range. It has increased from 129.08 (Mar 24) to 164.49, marking an increase of 35.41.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 170.53. This value is within the healthy range. It has increased from 130.31 (Mar 24) to 170.53, marking an increase of 40.22.
- For PBDIT Margin (%), as of Mar 25, the value is 81.26. This value is within the healthy range. It has increased from 77.79 (Mar 24) to 81.26, marking an increase of 3.47.
- For PBIT Margin (%), as of Mar 25, the value is 78.64. This value exceeds the healthy maximum of 20. It has increased from 75.28 (Mar 24) to 78.64, marking an increase of 3.36.
- For PBT Margin (%), as of Mar 25, the value is 28.84. This value is within the healthy range. It has increased from 26.98 (Mar 24) to 28.84, marking an increase of 1.86.
- For Net Profit Margin (%), as of Mar 25, the value is 21.36. This value exceeds the healthy maximum of 10. It has increased from 19.57 (Mar 24) to 21.36, marking an increase of 1.79.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 22.14. This value exceeds the healthy maximum of 20. It has increased from 19.76 (Mar 24) to 22.14, marking an increase of 2.38.
- For Return on Networth / Equity (%), as of Mar 25, the value is 14.24. This value is below the healthy minimum of 15. It has increased from 12.96 (Mar 24) to 14.24, marking an increase of 1.28.
- For Return on Capital Employeed (%), as of Mar 25, the value is 49.87. This value is within the healthy range. It has increased from 13.96 (Mar 24) to 49.87, marking an increase of 35.91.
- For Return On Assets (%), as of Mar 25, the value is 2.49. This value is below the healthy minimum of 5. It has increased from 2.23 (Mar 24) to 2.49, marking an increase of 0.26.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 2.52 (Mar 24) to 0.00, marking a decrease of 2.52.
- For Total Debt / Equity (X), as of Mar 25, the value is 4.63. This value exceeds the healthy maximum of 1. It has decreased from 4.72 (Mar 24) to 4.63, marking a decrease of 0.09.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.12. There is no change compared to the previous period (Mar 24) which recorded 0.12.
- For Current Ratio (X), as of Mar 25, the value is 1.19. This value is below the healthy minimum of 1.5. It has decreased from 2.48 (Mar 24) to 1.19, marking a decrease of 1.29.
- For Quick Ratio (X), as of Mar 25, the value is 1.19. This value is within the healthy range. It has decreased from 2.48 (Mar 24) to 1.19, marking a decrease of 1.29.
- 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 22.21 (Mar 24) to 0.00, marking a decrease of 22.21.
- 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 19.70 (Mar 24) to 0.00, marking a decrease of 19.70.
- 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 77.79 (Mar 24) to 0.00, marking a decrease of 77.79.
- 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 80.30 (Mar 24) to 0.00, marking a decrease of 80.30.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.63. This value is below the healthy minimum of 3. It has decreased from 1.65 (Mar 24) to 1.63, marking a decrease of 0.02.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.43. This value is below the healthy minimum of 3. It has decreased from 1.44 (Mar 24) to 1.43, marking a decrease of 0.01.
- For Enterprise Value (Cr.), as of Mar 25, the value is 109,814.49. It has increased from 96,359.00 (Mar 24) to 109,814.49, marking an increase of 13,455.49.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 12.89. This value exceeds the healthy maximum of 3. It has decreased from 13.26 (Mar 24) to 12.89, marking a decrease of 0.37.
- For EV / EBITDA (X), as of Mar 25, the value is 15.87. This value exceeds the healthy maximum of 15. It has decreased from 17.04 (Mar 24) to 15.87, marking a decrease of 1.17.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 5.95. This value exceeds the healthy maximum of 3. It has decreased from 6.26 (Mar 24) to 5.95, marking a decrease of 0.31.
- 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 77.78 (Mar 24) to 0.00, marking a decrease of 77.78.
- For Price / BV (X), as of Mar 25, the value is 3.82. This value exceeds the healthy maximum of 3. It has decreased from 4.11 (Mar 24) to 3.82, marking a decrease of 0.29.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 5.95. This value exceeds the healthy maximum of 3. It has decreased from 6.26 (Mar 24) to 5.95, marking a decrease of 0.31.
- For EarningsYield, as of Mar 25, the value is 0.03. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 0.03.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
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:
- Net Profit Margin: 21.36%
- 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.
- ROCE: 49.87% (Industry Average ROCE: 21.7%)
- 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.
- ROE%: 14.24% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.43
- 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.
- Quick Ratio: 1.19
- 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.
- Stock P/E: 26.2 (Industry average Stock P/E: 130.31)
- 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.
- Total Debt / Equity: 4.63
- 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.
Stock Rating: - Net Profit Margin: 21.36%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 21, Patullos Road, Chennai (Madras) Tamil Nadu 600002 | investorservices@sundaramfinance.in http://www.sundaramfinance.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. S Viji | Chairman |
| Mr. Harsha Viji | Executive Vice Chairman |
| Mr. Rajiv C Lochan | Managing Director |
| Mr. A N Raju | Deputy Managing Director |
| Mr. Srivats Ram | Non Executive Director |
| Mr. T T Srinivasaraghavan | Non Executive Director |
| Mr. S Mahalingam | Independent Director |
| Mr. L Ganesh | Independent Director |
| Mr. R Raghuttama Rao | Independent Director |
| Mrs. Bhavani Balasubramanian | Independent Director |
| Dr. Kshama Fernandes | Independent Director |
| Mr. R Venkatraman | Independent Director |
| Mrs. Anuradha Rao | Independent Director |
FAQ
What is the intrinsic value of Sundaram Finance Ltd?
Sundaram Finance Ltd's intrinsic value (as of 20 October 2025) is 3839.11 which is 15.10% lower the current market price of 4,522.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 50,254 Cr. market cap, FY2025-2026 high/low of 5,419/3,925, reserves of ₹13,087 Cr, and liabilities of 75,337 Cr.
What is the Market Cap of Sundaram Finance Ltd?
The Market Cap of Sundaram Finance Ltd is 50,254 Cr..
What is the current Stock Price of Sundaram Finance Ltd as on 20 October 2025?
The current stock price of Sundaram Finance Ltd as on 20 October 2025 is 4,522.
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 5,419/3,925.
What is the Stock P/E of Sundaram Finance Ltd?
The Stock P/E of Sundaram Finance Ltd is 26.2.
What is the Book Value of Sundaram Finance Ltd?
The Book Value of Sundaram Finance Ltd is 1,188.
What is the Dividend Yield of Sundaram Finance Ltd?
The Dividend Yield of Sundaram Finance Ltd is 0.77 %.
What is the ROCE of Sundaram Finance Ltd?
The ROCE of Sundaram Finance Ltd is 9.64 %.
What is the ROE of Sundaram Finance Ltd?
The ROE of Sundaram Finance Ltd is 15.3 %.
What is the Face Value of Sundaram Finance Ltd?
The Face Value of Sundaram Finance Ltd is 10.0.