Share Price and Basic Stock Data
Last Updated: February 7, 2026, 8:04 pm
| PEG Ratio | 2.62 |
|---|
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 and has shown a robust growth trajectory in its revenue. For the fiscal year ending March 2025, the company reported a revenue of ₹8,513 Cr, up from ₹7,274 Cr in March 2024, indicating a year-on-year growth of approximately 17%. The trailing twelve months (TTM) revenue reached ₹9,184 Cr, reflecting a strong operational performance. Quarterly revenue figures also displayed a consistent upward trend, rising from ₹1,410 Cr in December 2022 to ₹2,514 Cr by December 2025. This steady increase highlights Sundaram Finance’s ability to capture market opportunities and expand its client base effectively. The company’s revenue growth is supported by its strategic focus on financing, which recorded a profit of ₹2,620 Cr for the fiscal year 2025, compared to ₹2,224 Cr in the previous year. This reflects an improving financing margin, which stood at 31% for FY 2025, consistent with the company’s operational strategy.
Profitability and Efficiency Metrics
Sundaram Finance has demonstrated strong profitability metrics, with a reported net profit of ₹1,879 Cr for the fiscal year ending March 2025, an increase from ₹1,842 Cr in FY 2024. The net profit margin improved to 21.36%, showcasing effective cost management and operational efficiency. The company’s return on equity (ROE) stood at 15.3%, while return on capital employed (ROCE) recorded at 9.64%, indicating effective utilization of equity and capital. The interest coverage ratio (ICR) of 1.63x signifies the company’s ability to meet its interest obligations comfortably. Additionally, the financing profit for FY 2025 was ₹2,620 Cr, with a financing margin of 31%, reflecting solid performance in the core financing operations. However, the company faced fluctuations in other income, which dropped to ₹50 Cr in FY 2025 from ₹43 Cr in FY 2024, indicating some volatility in non-core income streams.
Balance Sheet Strength and Financial Ratios
The balance sheet of Sundaram Finance demonstrates considerable strength, with total assets reported at ₹75,337 Cr as of March 2025, up from ₹64,276 Cr in March 2024. Reserves have also increased significantly to ₹15,019 Cr, reinforcing the company’s financial stability. The company reported borrowings of ₹61,084 Cr, which indicates a debt-to-equity ratio of 4.63x, reflecting a leveraged capital structure typical of the finance sector. The book value per share stood at ₹1,197.43, up from ₹1,005.28 in the previous fiscal year, indicating a solid equity base for shareholders. The current ratio of 2.65x and quick ratio of 2.65x suggest a strong liquidity position, enabling the company to meet short-term obligations effectively. These metrics indicate a well-managed balance sheet that supports future growth while maintaining financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Sundaram Finance indicates a balanced distribution among promoters, foreign institutional investors (FIIs), domestic institutional investors (DIIs), and the public. As of September 2025, promoters held 37.22%, while FIIs accounted for 19.06% and DIIs for 7.37%. The public held 35.55%, totaling 55,894 shareholders, which reflects a broad base of investor confidence. Notably, the shareholding of FIIs has increased from 7.69% in December 2022 to 19.06% by September 2025, indicating growing interest from foreign investors. This shift suggests a positive perception of the company’s growth prospects. However, there has been a slight decline in promoter holding from 38.49% in December 2022 to 37.22% in September 2025, which may raise questions about long-term commitment. Overall, the diverse shareholder base supports the company’s governance and strategic initiatives.
Outlook, Risks, and Final Insight
The outlook for Sundaram Finance appears promising, bolstered by consistent revenue growth, solid profitability metrics, and a strong balance sheet. However, the company faces risks, including fluctuations in interest rates that could impact financing costs and profitability. Additionally, the volatility in other income streams poses a potential challenge to maintaining overall profitability. The increasing leverage, as evidenced by the debt-to-equity ratio of 4.63x, may also pose risks if economic conditions deteriorate. Conversely, the company’s strategic initiatives in expanding its financing operations, coupled with a robust liquidity position, position it well to capitalize on growth opportunities in the finance sector. Should the company manage its risks effectively while sustaining its growth trajectory, it could enhance shareholder value considerably in the coming years.
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 | 11.2 Cr. | 38.1 | 54.5/36.1 | 53.2 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,349 Cr. | 296 | 406/265 | 14.6 | 111 | 0.34 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 31.6 Cr. | 0.45 | 0.92/0.38 | 4.38 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 3.95 Cr. | 7.98 | 11.6/7.58 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 12.6 Cr. | 24.5 | 69.9/24.5 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,298.80 Cr | 1,251.50 | 71.25 | 4,367.58 | 0.38% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,410 | 1,484 | 1,582 | 1,708 | 1,821 | 2,156 | 1,952 | 2,085 | 2,190 | 2,259 | 2,349 | 2,386 | 2,514 |
| Interest | 622 | 667 | 739 | 821 | 910 | 948 | 985 | 1,050 | 1,087 | 1,104 | 1,163 | 1,176 | 1,209 |
| Expenses | 327 | 300 | 382 | 375 | 351 | 524 | 402 | 436 | 462 | 368 | 559 | 515 | 509 |
| Financing Profit | 460 | 516 | 461 | 512 | 561 | 684 | 565 | 599 | 642 | 787 | 627 | 695 | 796 |
| Financing Margin % | 33% | 35% | 29% | 30% | 31% | 32% | 29% | 29% | 29% | 35% | 27% | 29% | 32% |
| Other Income | 1 | 58 | 8 | 2 | 7 | -90 | 8 | 11 | 17 | 41 | 4 | 15 | -51 |
| Depreciation | 36 | 41 | 39 | 44 | 48 | 53 | 48 | 53 | 58 | 63 | 56 | 60 | 63 |
| Profit before tax | 425 | 533 | 430 | 471 | 520 | 541 | 525 | 557 | 601 | 765 | 575 | 650 | 682 |
| Tax % | 24% | 23% | 28% | 30% | 23% | 28% | 23% | 27% | 25% | 28% | 28% | 24% | 23% |
| Net Profit | 382 | 509 | 429 | 435 | 506 | 472 | 435 | 436 | 455 | 553 | 475 | 488 | 541 |
| EPS in Rs | 29.96 | 38.99 | 33.77 | 32.89 | 38.47 | 24.11 | 39.14 | 39.26 | 41.00 | 49.77 | 42.77 | 43.94 | 48.73 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 4, 2026, 12:46 am
Below is a detailed analysis of the quarterly data for Sundaram Finance Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 1,209.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,176.00 Cr. (Sep 2025) to 1,209.00 Cr., marking an increase of 33.00 Cr..
- For Expenses, as of Dec 2025, the value is 509.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 515.00 Cr. (Sep 2025) to 509.00 Cr., marking a decrease of 6.00 Cr..
- For Other Income, as of Dec 2025, the value is -51.00 Cr.. The value appears to be declining and may need further review. It has decreased from 15.00 Cr. (Sep 2025) to -51.00 Cr., marking a decrease of 66.00 Cr..
- For Depreciation, as of Dec 2025, the value is 63.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 60.00 Cr. (Sep 2025) to 63.00 Cr., marking an increase of 3.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 682.00 Cr.. The value appears strong and on an upward trend. It has increased from 650.00 Cr. (Sep 2025) to 682.00 Cr., marking an increase of 32.00 Cr..
- For Tax %, as of Dec 2025, the value is 23.00%. The value appears to be improving (decreasing) as expected. It has decreased from 24.00% (Sep 2025) to 23.00%, marking a decrease of 1.00%.
- For Net Profit, as of Dec 2025, the value is 541.00 Cr.. The value appears strong and on an upward trend. It has increased from 488.00 Cr. (Sep 2025) to 541.00 Cr., marking an increase of 53.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 48.73. The value appears strong and on an upward trend. It has increased from 43.94 (Sep 2025) to 48.73, marking an increase of 4.79.
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 | 3.38 | 787.14 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 817,234 | 1.02 | 431.73 | 734,257 | 2026-01-26 04:10:26 | 11.3% |
| Axis Midcap Fund | 502,384 | 0.84 | 265.4 | 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 | 0.51 | 174.23 | 2,221,881 | 2025-12-08 03:52:34 | -85.16% |
| Axis Large & Mid Cap Fund | 276,047 | 0.93 | 145.83 | N/A | N/A | N/A |
| UTI Large & Mid Cap Fund | 168,394 | 1.58 | 88.96 | N/A | N/A | N/A |
| PGIM India Midcap Fund | 115,576 | 0.54 | 61.06 | 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 | 0.81 | 54.97 | 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: 28.7 (Industry average Stock P/E: 71.25)
- 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 |
| Mrs. Anuradha Rao | 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 |
FAQ
What is the intrinsic value of Sundaram Finance Ltd?
Sundaram Finance Ltd's intrinsic value (as of 08 February 2026) is ₹5341.95 which is 1.78% lower the current market price of ₹5,439.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹60,429 Cr. market cap, FY2025-2026 high/low of ₹5,454/4,200, 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 60,429 Cr..
What is the current Stock Price of Sundaram Finance Ltd as on 08 February 2026?
The current stock price of Sundaram Finance Ltd as on 08 February 2026 is ₹5,439.
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 ₹5,454/4,200.
What is the Stock P/E of Sundaram Finance Ltd?
The Stock P/E of Sundaram Finance Ltd is 28.7.
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 0.64 %.
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.