Share Price and Basic Stock Data
Last Updated: December 30, 2025, 7:32 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, operating in the Finance & Investments sector, reported a market capitalization of ₹57,115 Cr and a current share price of ₹5,135. The company has demonstrated consistent revenue growth, with quarterly revenues increasing from ₹1,337 Cr in September 2022 to ₹1,708 Cr in September 2023. This upward trajectory continued into the next quarters, with projected revenues of ₹2,156 Cr in March 2024 and ₹2,386 Cr by September 2025. Yearly revenue figures also reflect a robust performance, rising from ₹5,501 Cr in March 2023 to ₹8,513 Cr in March 2025. Such growth can be attributed to effective strategies in financing operations and a burgeoning demand for financial services. The financing profit margin has shown resilience, with a reported financing margin of 29% in September 2023, consistent with historical performance. The company’s ability to navigate market fluctuations while maintaining revenue growth is commendable, placing it in a strong position within the sector.
Profitability and Efficiency Metrics
Sundaram Finance Ltd’s profitability has remained robust, with a net profit of ₹1,972 Cr and a net profit margin of 21.36% as of March 2025. The company has recorded a return on equity (ROE) of 15.3%, indicating effective utilization of shareholders’ funds. Profit before tax showed a notable increase from ₹1,711 Cr in March 2023 to ₹2,447 Cr in March 2025. Additionally, the interest coverage ratio stood at 1.63x, reflecting the company’s ability to cover interest expenses comfortably. The financing margin also showed a healthy average of around 29% to 35% over the last few quarters, indicating effective cost management. However, the reported operating profit margin remains unavailable, which could be a concern for investors seeking comprehensive insights into operational efficiency. Overall, Sundaram Finance Ltd has demonstrated strong profitability metrics, positioning itself favorably against sector peers.
Balance Sheet Strength and Financial Ratios
The balance sheet of Sundaram Finance Ltd reflects significant strength, with total assets reaching ₹82,216 Cr by September 2025. The company reported reserves of ₹15,019 Cr, indicating a solid capital base for future growth. However, total borrowings have increased substantially, from ₹42,694 Cr in March 2023 to ₹65,830 Cr in September 2025, raising concerns about leverage. The total debt to equity ratio stood at 4.63x, which is higher than typical sector norms, suggesting that the company is leveraging debt to fuel its growth strategy. The company maintains a current ratio of 1.19, indicating adequate liquidity to meet short-term obligations. Additionally, the book value per share increased to ₹1,197.43, enhancing shareholder value. While the company’s financial ratios indicate a healthy balance sheet, the elevated leverage remains a point of scrutiny for potential investors.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Sundaram Finance Ltd reveals a diverse ownership structure, with promoters holding 37.22% of the shares as of September 2025. Foreign institutional investors (FIIs) have increased their stake to 19.06%, reflecting growing confidence among international investors. Domestic institutional investors (DIIs) hold 7.37%, while the public holds 35.55%. The number of shareholders has also seen a significant rise, from 23,693 in December 2022 to 55,894 by September 2025, indicating increasing interest in the company’s stock. This growing shareholder base, particularly among FIIs, suggests a positive market perception and confidence in the company’s strategic direction. However, the gradual decline in promoter shareholding from 38.49% in December 2022 to the current level may raise concerns about long-term commitment. Overall, the shareholding pattern reflects strong investor interest but also highlights the need for careful monitoring of promoter activity.
Outlook, Risks, and Final Insight
Sundaram Finance Ltd is positioned well for continued growth, with strong revenue and profitability metrics suggesting a solid operational foundation. However, the significant increase in borrowings poses potential risks, particularly if interest rates rise or if the economic environment becomes less favorable. The high debt-to-equity ratio may lead to increased financial strain in adverse conditions. Furthermore, the absence of reported operating profit margins limits the understanding of operational efficiency, necessitating closer scrutiny. On the upside, the ongoing expansion in the customer base and rising shareholder confidence could bolster the company’s market position further. Should the company manage its debt effectively while continuing to enhance operational efficiencies, it could witness sustained growth. Conversely, failure to address leverage concerns may lead to increased volatility in its financial performance.
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 | 12.2 Cr. | 41.5 | 67.7/36.4 | 48.6 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,402 Cr. | 302 | 484/280 | 15.4 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 29.5 Cr. | 0.42 | 1.83/0.38 | 4.09 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.04 Cr. | 10.2 | 11.9/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 20.7 Cr. | 40.3 | 69.9/38.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,175.59 Cr | 1,366.04 | 80.62 | 3,844.57 | 0.36% | 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 (%) | 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
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: 21.71%)
- 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: 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: 29 (Industry average Stock P/E: 80.62)
- 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 30 December 2025) is 4867.43 which is 5.21% lower the current market price of 5,135.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 57,115 Cr. market cap, FY2025-2026 high/low of 5,419/4,067, 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 57,115 Cr..
What is the current Stock Price of Sundaram Finance Ltd as on 30 December 2025?
The current stock price of Sundaram Finance Ltd as on 30 December 2025 is 5,135.
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 5,419/4,067.
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.