Share Price and Basic Stock Data
Last Updated: November 10, 2025, 10:29 pm
| PEG Ratio | 2.61 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Sundaram Finance Ltd operates in the Finance & Investments sector and has reported a current market capitalization of ₹52,078 Cr with a share price of ₹4,687. The company has demonstrated steady revenue growth, with total revenue rising from ₹5,111 Cr in March 2022 to ₹5,501 Cr in March 2023. The revenue trajectory continued upward, reaching ₹7,274 Cr in March 2024 and projected at ₹8,513 Cr for March 2025, signifying a robust growth rate. Quarterly revenue figures reveal a consistent increase, with revenue of ₹1,246 Cr in June 2022 escalating to ₹1,821 Cr by December 2023. This upward trend highlights Sundaram’s ability to navigate market conditions effectively and capitalize on growing consumer demand for financial services, positioning it favorably within the competitive landscape.
Profitability and Efficiency Metrics
The profitability of Sundaram Finance is underscored by its net profit, which stood at ₹1,510 Cr for the financial year ending March 2023, increasing to ₹1,879 Cr in March 2025. The company’s net profit margin has also shown resilience, reported at 21.36% for March 2025, compared to 23.22% for March 2023. The return on equity (ROE) was recorded at 15.3%, while return on capital employed (ROCE) stood at 9.64%, indicating efficient use of equity and capital. The interest coverage ratio of 1.63x reflects a manageable debt servicing capability, although lower than some peers, which may indicate a need for enhanced operational efficiency. Overall, Sundaram’s financial performance showcases a strong ability to generate profit while maintaining efficiency, although ongoing scrutiny of operational costs will be necessary to sustain these margins.
Balance Sheet Strength and Financial Ratios
Sundaram Finance’s balance sheet reflects solid fundamentals, with total assets escalating from ₹48,154 Cr in March 2022 to ₹75,337 Cr by March 2025. This growth is supported by reserves amounting to ₹13,087 Cr, indicating a strong equity base. The company’s total borrowing increased from ₹36,356 Cr in March 2022 to ₹61,084 Cr in March 2025, contributing to a total debt-to-equity ratio of 4.63x, which is relatively high compared to typical sector norms. The price-to-book value ratio stood at 3.82x, revealing that the market values Sundaram Finance significantly above its book value, suggesting investor confidence. Financial ratios such as the current ratio of 1.19x and quick ratio of 1.19x indicate adequate liquidity to cover short-term liabilities, reinforcing the firm’s financial stability.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Sundaram Finance illustrates a diverse ownership structure, with promoters holding 37.22% as of March 2025. Foreign Institutional Investors (FIIs) have increased their stake to 19.06%, which signals growing confidence among international investors in the company’s prospects. Domestic Institutional Investors (DIIs) hold a lesser share at 7.37%, while the public holds 35.55%. The number of shareholders has noticeably increased to 55,894, reflecting heightened interest from retail investors. The gradual decline in promoter holding from 38.49% in December 2022 to 37.22% in March 2025 may raise questions about management’s commitment, but the rising FII stake suggests an overall positive outlook from the investment community.
Outlook, Risks, and Final Insight
Looking ahead, Sundaram Finance is poised for continued growth, driven by its strong revenue trajectory and profitability metrics. However, the elevated debt levels present a risk that could impact financial stability if not managed prudently. Additionally, fluctuations in interest rates and economic conditions could affect loan demand and profitability. The increasing reliance on borrowings to fuel growth must be monitored to maintain financial health. Nevertheless, the company’s solid asset base, improving profitability, and investor confidence provide a favorable backdrop for future performance. In conclusion, while Sundaram Finance faces challenges typical of the finance sector, its operational strengths and strategic positioning present significant opportunities for sustained growth in the evolving financial landscape.
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 ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Monarch Networth Capital Ltd | 2,436 Cr. | 307 | 484/280 | 15.8 | 102 | 0.33 % | 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 | 4.14 Cr. | 8.36 | 12.6/8.25 | 10.3 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 30.2 Cr. | 58.8 | 72.0/47.6 | 20.6 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Naperol Investments Ltd | 487 Cr. | 847 | 1,640/0.00 | 50.6 | 2,055 | 1.06 % | 1.06 % | 0.95 % | 10.0 |
| Industry Average | 6,854.90 Cr | 1,410.98 | 108.15 | 3,866.16 | 0.33% | 21.83% | 14.30% | 7.26 |
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: November 9, 2025, 3:02 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 | 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 - No data available for this post.
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: 21.52%)
- 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: 13.2%)
- 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: 27 (Industry average Stock P/E: 74.11)
- 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%
FAQ
What is the intrinsic value of Sundaram Finance Ltd?
Sundaram Finance Ltd's intrinsic value (as of 11 November 2025) is 4534.00 which is 5.56% lower the current market price of 4,801.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 53,288 Cr. market cap, FY2025-2026 high/low of 5,419/3,925, 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 53,288 Cr..
What is the current Stock Price of Sundaram Finance Ltd as on 11 November 2025?
The current stock price of Sundaram Finance Ltd as on 11 November 2025 is 4,801.
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 27.0.
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 0.73 %.
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.