Share Price and Basic Stock Data
Last Updated: January 19, 2026, 10:06 pm
| PEG Ratio | 2.65 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Sundaram Finance Ltd operates in the finance and investments sector, demonstrating robust growth in recent quarters. The company reported a revenue of ₹1,337 Cr in September 2022, which steadily increased to ₹1,708 Cr by September 2023. This upward trend continued with revenue reaching ₹1,821 Cr in December 2023, and is projected to further escalate to ₹2,156 Cr by March 2024. Over the trailing twelve months (TTM), the revenue stood at ₹9,184 Cr, indicating a significant recovery post-pandemic compared to ₹5,111 Cr in March 2022. The financing profit margins have also shown resilience, with the financing margin recorded at 30% in September 2023, reflecting a solid operational efficiency relative to typical sector standards. Moreover, the company’s ability to generate consistent revenue growth underscores its competitive positioning in the Indian financial services landscape, which has witnessed a resurgence in demand for credit and financing solutions.
Profitability and Efficiency Metrics
The profitability of Sundaram Finance Ltd is underscored by its net profit of ₹1,972 Cr and a net profit margin of 21.36% as per the latest financials. This margin is notably above the typical industry benchmark, showcasing the company’s effective cost management and operational efficiency. The return on equity (ROE) stood at 15.3%, which is commendable compared to the average ROE of around 12-14% within the finance sector. However, the return on capital employed (ROCE) at 9.64% suggests there is room for improvement in capital utilization. The interest coverage ratio (ICR) of 1.63x indicates that the company can comfortably meet its interest obligations, although it reflects a tightening margin compared to previous years. Overall, Sundaram Finance’s financial health is characterized by a solid profit trajectory and efficient cost management, positioning it favorably against its peers in the finance and investments sector.
Balance Sheet Strength and Financial Ratios
Sundaram Finance’s balance sheet reveals substantial strength, with total assets reported at ₹82,216 Cr and total liabilities at ₹75,337 Cr. The company’s reserves have grown to ₹15,019 Cr, enhancing its equity base and providing a buffer against potential financial downturns. The debt-to-equity ratio stood at 4.63x, which is relatively high; however, it is manageable given the company’s strong earnings and cash flows. The current ratio of 2.65x indicates good short-term liquidity, allowing the company to meet its current liabilities comfortably. Additionally, the book value per share increased to ₹1,197.43, reflecting the company’s growth in shareholder equity. The enterprise value (EV) to net operating revenue ratio of 12.89x suggests that the stock may be slightly overvalued compared to its revenue generation, warranting caution among potential investors. Overall, Sundaram Finance maintains a robust balance sheet that supports its ongoing operations and growth strategy.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Sundaram Finance Ltd indicates a diversified ownership structure, with promoters holding 37.22% as of September 2025. Foreign institutional investors (FIIs) have increased their stake to 19.06%, reflecting growing confidence in the company’s prospects. Domestic institutional investors (DIIs) hold 7.37%, while the public holds 35.55%. The total number of shareholders has risen significantly to 55,894, suggesting an increasing retail interest in the stock. The stability in promoter holdings, alongside the growing FII participation, signals a positive outlook for the company’s governance and operational strategies. However, the DII stake has seen a decline from previous periods, which may raise questions about institutional confidence. Overall, the diverse shareholding structure combined with rising interest from FIIs provides a solid foundation for investor confidence in Sundaram Finance’s future performance.
Outlook, Risks, and Final Insight
Looking ahead, Sundaram Finance Ltd stands to benefit from a favorable economic environment characterized by increasing credit demand and a recovering economy. However, potential risks include rising interest rates, which could pressure margins and affect borrower repayment capacities. Additionally, the high debt-to-equity ratio may pose challenges in a tightening credit market. Should the company continue to manage its costs effectively and capitalize on growth opportunities, it could enhance its profitability and shareholder value. Conversely, any deterioration in asset quality could adversely impact its financial health. In summary, while Sundaram Finance exhibits strong fundamentals and market positioning, it must navigate external economic challenges to sustain its growth trajectory and protect shareholder interests.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 12.1 Cr. | 41.3 | 60.0/36.4 | 48.4 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,362 Cr. | 298 | 484/280 | 15.2 | 111 | 0.34 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 32.3 Cr. | 0.46 | 1.34/0.38 | 4.48 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.94 Cr. | 9.98 | 11.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 19.8 Cr. | 38.6 | 69.9/38.5 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,240.52 Cr | 1,307.70 | 69.74 | 3,844.57 | 0.37% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,337 | 1,410 | 1,484 | 1,582 | 1,708 | 1,821 | 2,156 | 1,952 | 2,085 | 2,190 | 2,259 | 2,349 | 2,386 |
| Interest | 578 | 622 | 667 | 739 | 821 | 910 | 948 | 985 | 1,050 | 1,087 | 1,104 | 1,163 | 1,176 |
| Expenses | 329 | 327 | 300 | 382 | 375 | 351 | 524 | 402 | 436 | 462 | 368 | 559 | 515 |
| Financing Profit | 430 | 460 | 516 | 461 | 512 | 561 | 684 | 565 | 599 | 642 | 787 | 627 | 695 |
| Financing Margin % | 32% | 33% | 35% | 29% | 30% | 31% | 32% | 29% | 29% | 29% | 35% | 27% | 29% |
| Other Income | 3 | 1 | 58 | 8 | 2 | 7 | -90 | 8 | 11 | 17 | 41 | 4 | 15 |
| Depreciation | 33 | 36 | 41 | 39 | 44 | 48 | 53 | 48 | 53 | 58 | 63 | 56 | 60 |
| Profit before tax | 400 | 425 | 533 | 430 | 471 | 520 | 541 | 525 | 557 | 601 | 765 | 575 | 650 |
| Tax % | 30% | 24% | 23% | 28% | 30% | 23% | 28% | 23% | 27% | 25% | 28% | 28% | 24% |
| Net Profit | 332 | 382 | 509 | 429 | 435 | 506 | 472 | 435 | 436 | 455 | 553 | 475 | 488 |
| EPS in Rs | 27.55 | 29.96 | 38.99 | 33.77 | 32.89 | 38.47 | 24.11 | 39.14 | 39.26 | 41.00 | 49.77 | 42.77 | 43.94 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: December 29, 2025, 12:04 am
Below is a detailed analysis of the quarterly data for Sundaram Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 1,176.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,163.00 Cr. (Jun 2025) to 1,176.00 Cr., marking an increase of 13.00 Cr..
- For Expenses, as of Sep 2025, the value is 515.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 559.00 Cr. (Jun 2025) to 515.00 Cr., marking a decrease of 44.00 Cr..
- For Other Income, as of Sep 2025, the value is 15.00 Cr.. The value appears strong and on an upward trend. It has increased from 4.00 Cr. (Jun 2025) to 15.00 Cr., marking an increase of 11.00 Cr..
- For Depreciation, as of Sep 2025, the value is 60.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 56.00 Cr. (Jun 2025) to 60.00 Cr., marking an increase of 4.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 650.00 Cr.. The value appears strong and on an upward trend. It has increased from 575.00 Cr. (Jun 2025) to 650.00 Cr., marking an increase of 75.00 Cr..
- For Tax %, as of Sep 2025, the value is 24.00%. The value appears to be improving (decreasing) as expected. It has decreased from 28.00% (Jun 2025) to 24.00%, marking a decrease of 4.00%.
- For Net Profit, as of Sep 2025, the value is 488.00 Cr.. The value appears strong and on an upward trend. It has increased from 475.00 Cr. (Jun 2025) to 488.00 Cr., marking an increase of 13.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 43.94. The value appears strong and on an upward trend. It has increased from 42.77 (Jun 2025) to 43.94, marking an increase of 1.17.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:35 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 | 9,184 |
| 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 | 4,530 |
| Expenses | 1,389 | 1,505 | 2,221 | 2,735 | 3,906 | 932 | 1,222 | 1,235 | 1,392 | 1,285 | 1,632 | 1,667 | 1,903 |
| Financing Profit | 993 | 999 | 992 | 1,118 | 1,080 | 994 | 1,057 | 1,398 | 1,483 | 1,806 | 2,224 | 2,620 | 2,751 |
| 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 | 77 |
| Depreciation | 112 | 112 | 106 | 104 | 79 | 58 | 90 | 93 | 101 | 139 | 183 | 223 | 237 |
| Profit before tax | 876 | 860 | 893 | 1,022 | 1,014 | 1,418 | 1,016 | 1,330 | 1,417 | 1,711 | 1,961 | 2,447 | 2,591 |
| 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 | 1,972 |
| 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 | 177.48 |
| 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: December 4, 2025, 2:03 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 111 | 111 | 111 | 111 | 110 | 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 | 15,019 |
| 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 | 65,830 |
| 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 | 1,257 |
| 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 | 82,216 |
| Fixed Assets | 559 | 515 | 817 | 862 | 821 | 451 | 903 | 865 | 1,117 | 1,296 | 1,389 | 1,450 | 1,455 |
| CWIP | 3 | 2 | 4 | 3 | 3 | 0 | 0 | 0 | 0 | 1 | 5 | 1 | 0 |
| 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 | 9,841 |
| 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 | 70,920 |
| 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 | 82,216 |
Below is a detailed analysis of the balance sheet data for Sundaram Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 110.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 110.00 Cr..
- For Reserves, as of Sep 2025, the value is 15,019.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,087.00 Cr. (Mar 2025) to 15,019.00 Cr., marking an increase of 1,932.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 1,257.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,056.00 Cr. (Mar 2025) to 1,257.00 Cr., marking an increase of 201.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 82,216.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 75,337.00 Cr. (Mar 2025) to 82,216.00 Cr., marking an increase of 6,879.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1,455.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,450.00 Cr. (Mar 2025) to 1,455.00 Cr., marking an increase of 5.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 1.00 Cr..
- For Investments, as of Sep 2025, the value is 9,841.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,481.00 Cr. (Mar 2025) to 9,841.00 Cr., marking an increase of 3,360.00 Cr..
- For Other Assets, as of Sep 2025, the value is 70,920.00 Cr.. The value appears strong and on an upward trend. It has increased from 67,405.00 Cr. (Mar 2025) to 70,920.00 Cr., marking an increase of 3,515.00 Cr..
- For Total Assets, as of Sep 2025, the value is 82,216.00 Cr.. The value appears strong and on an upward trend. It has increased from 75,337.00 Cr. (Mar 2025) to 82,216.00 Cr., marking an increase of 6,879.00 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 |
|---|---|---|---|---|---|---|
| SBI Midcap Fund | 1,490,000 | 3.02 | 704.56 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 734,257 | 0.83 | 347.2 | 693,070 | 2025-12-15 01:56:57 | 5.94% |
| Axis Midcap Fund | 502,384 | 0.74 | 237.56 | 1,113,679 | 2025-12-08 07:27:37 | -54.89% |
| Edelweiss Mid Cap Fund | 411,327 | 1.47 | 194.5 | N/A | N/A | N/A |
| Axis ELSS Tax Saver Fund | 329,811 | 0.44 | 155.95 | 2,221,881 | 2025-12-08 03:52:34 | -85.16% |
| Axis Large & Mid Cap Fund | 276,047 | 0.84 | 130.53 | N/A | N/A | N/A |
| UTI Large & Mid Cap Fund | 168,394 | 1.45 | 79.63 | N/A | N/A | N/A |
| Edelweiss Large & Mid Cap Fund | 117,843 | 1.25 | 55.72 | N/A | N/A | N/A |
| UTI Aggressive Hybrid Fund | 104,052 | 0.73 | 49.2 | N/A | N/A | N/A |
| Baroda BNP Paribas Mid Cap Fund | 85,000 | 1.73 | 40.19 | N/A | N/A | N/A |
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 (%) | 14.02 | 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) | 2.59 | 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) | 2.65 | 2.48 | 3.19 | 4.17 | 4.05 |
| Quick Ratio (X) | 2.65 | 2.48 | 3.19 | 4.17 | 4.05 |
| Dividend Payout Ratio (NP) (%) | 17.59 | 22.21 | 18.36 | 15.00 | 14.18 |
| Dividend Payout Ratio (CP) (%) | 15.73 | 19.70 | 16.61 | 13.81 | 13.13 |
| Earning Retention Ratio (%) | 82.41 | 77.79 | 81.64 | 85.00 | 85.82 |
| Cash Earning Retention Ratio (%) | 84.27 | 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.) | 109405.29 | 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 (%) | 82.40 | 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 14.02. This value is within the healthy range. It has increased from 13.96 (Mar 24) to 14.02, marking an increase of 0.06.
- 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 2.59. This value exceeds the healthy maximum of 1. It has increased from 2.52 (Mar 24) to 2.59, marking an increase of 0.07.
- 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 2.65. This value is within the healthy range. It has increased from 2.48 (Mar 24) to 2.65, marking an increase of 0.17.
- For Quick Ratio (X), as of Mar 25, the value is 2.65. This value exceeds the healthy maximum of 2. It has increased from 2.48 (Mar 24) to 2.65, marking an increase of 0.17.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 17.59. This value is below the healthy minimum of 20. It has decreased from 22.21 (Mar 24) to 17.59, marking a decrease of 4.62.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 15.73. This value is below the healthy minimum of 20. It has decreased from 19.70 (Mar 24) to 15.73, marking a decrease of 3.97.
- For Earning Retention Ratio (%), as of Mar 25, the value is 82.41. This value exceeds the healthy maximum of 70. It has increased from 77.79 (Mar 24) to 82.41, marking an increase of 4.62.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 84.27. This value exceeds the healthy maximum of 70. It has increased from 80.30 (Mar 24) to 84.27, marking an increase of 3.97.
- 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 109,405.29. It has increased from 96,359.00 (Mar 24) to 109,405.29, marking an increase of 13,046.29.
- 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 82.40. This value exceeds the healthy maximum of 70. It has increased from 77.78 (Mar 24) to 82.40, marking an increase of 4.62.
- 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
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: 14.02% (Industry Average ROCE: 21.71%)
- 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: 2.65
- 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: 29 (Industry average Stock P/E: 69.74)
- 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 | Contact not found |
| 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 19 January 2026) is ₹5399.94 which is 4.81% higher the current market price of ₹5,152.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹57,254 Cr. market cap, FY2025-2026 high/low of ₹5,419/4,200, reserves of ₹15,019 Cr, and liabilities of ₹82,216 Cr.
What is the Market Cap of Sundaram Finance Ltd?
The Market Cap of Sundaram Finance Ltd is 57,254 Cr..
What is the current Stock Price of Sundaram Finance Ltd as on 19 January 2026?
The current stock price of Sundaram Finance Ltd as on 19 January 2026 is ₹5,152.
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 ₹5,419/4,200.
What is the Stock P/E of Sundaram Finance Ltd?
The Stock P/E of Sundaram Finance Ltd is 29.0.
What is the Book Value of Sundaram Finance Ltd?
The Book Value of Sundaram Finance Ltd is 1,362.
What is the Dividend Yield of Sundaram Finance Ltd?
The Dividend Yield of Sundaram Finance Ltd is 0.68 %.
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.