Share Price and Basic Stock Data
Last Updated: December 10, 2025, 10:19 pm
| PEG Ratio | 2.55 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Sundaram Finance Ltd operates primarily in the finance and investments sector, a space that has seen significant fluctuations in recent years. The company reported a revenue of ₹5,501 Cr for the fiscal year ending March 2023, which represented a commendable recovery from the pandemic lows of ₹3,696 Cr in FY 2019-20. The upward trajectory continued, with a trailing twelve-month (TTM) revenue figure reaching ₹8,883 Cr, showcasing robust growth. In the first half of FY 2024, revenues rose to ₹2,156 Cr in March 2024, reflecting a strong demand for financial services. The quarterly revenue figures indicate a consistent growth pattern, with the latest reported quarter (September 2023) seeing revenue of ₹1,708 Cr, a clear upward trend from ₹1,337 Cr in September 2022. This consistent performance highlights Sundaram Finance’s ability to navigate market challenges effectively and capitalize on new opportunities.
Profitability and Efficiency Metrics
The profitability metrics of Sundaram Finance paint a picture of a company that is not only growing but doing so efficiently. The reported net profit for FY 2023 stood at ₹1,510 Cr, which translates to an impressive net profit margin of 27.5%. This is an increase from the previous year’s margin of around 25.4%, suggesting improved operational efficiency. The return on equity (ROE) is reported at 15.3%, indicating that the company is generating a healthy return for its shareholders. However, the return on capital employed (ROCE) of 9.64% appears lower compared to industry standards, which may raise concerns about capital efficiency. The interest coverage ratio of 1.63x also indicates a comfortable ability to meet interest obligations, albeit with some caution. The financing margin has fluctuated, recently reported at 30% in September 2023, down from a peak of 35% in March 2023, reflecting competitive pressures in the lending space.
Balance Sheet Strength and Financial Ratios
Sundaram Finance’s balance sheet exhibits significant strength, with total assets reported at ₹75,337 Cr for FY 2025. The company’s reserves have steadily increased, reaching ₹15,019 Cr, which bolsters its financial stability. The debt levels, while substantial at ₹61,084 Cr, are offset by a robust equity base, resulting in a total debt-to-equity ratio of 4.63x. This ratio suggests a high leverage, which can be a double-edged sword; while it enables growth through borrowing, it may also pose risks if cash flows falter. The reported book value per share stands at ₹1,197.43, indicating that shareholders have a solid foundation of assets backing their investment. The price-to-book value (P/BV) ratio of 3.82x suggests that the stock may be trading at a premium, which could be justified if the company’s growth continues to outpace its peers.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Sundaram Finance indicates a diversified ownership structure that reflects investor confidence. Promoters hold 37.22% of the company, which is a stable figure over recent quarters. Foreign institutional investors (FIIs) have increased their stake to 19.06%, a notable rise from 7.69% just a year ago, signaling growing interest from overseas investors. Domestic institutional investors (DIIs) have seen a decline, currently at 7.37%, which may be a point of concern as it suggests some withdrawal from local institutional support. The public shareholding remains significant at 35.55%, with the number of shareholders rising to 55,894, reflecting a growing retail interest. This mix of shareholding can be seen as a strength, as it indicates both institutional and retail confidence in the company’s long-term prospects.
Outlook, Risks, and Final Insight
Looking ahead, Sundaram Finance faces a landscape filled with both opportunities and challenges. The increasing interest from FIIs could bolster the stock’s value, but high leverage and fluctuating margins might pose risks to profitability. The competitive nature of the finance sector, especially with rising interest rates, could squeeze margins further, impacting net profits. Additionally, the company’s reliance on borrowed funds means that any downturn in economic conditions could strain its financial health. Investors may want to weigh these risks against the backdrop of Sundaram Finance’s impressive revenue growth and strong balance sheet. In conclusion, while the company appears well-positioned for growth, potential investors should remain vigilant about the external economic conditions and internal efficiency metrics that could influence future performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Sundaram Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 12.3 Cr. | 41.8 | 67.7/36.4 | 49.0 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,364 Cr. | 298 | 484/280 | 15.2 | 111 | 0.34 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 33.8 Cr. | 0.48 | 2.26/0.46 | 4.67 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.20 Cr. | 10.5 | 12.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 23.0 Cr. | 44.8 | 72.0/43.7 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,205.35 Cr | 1,383.00 | 80.78 | 3,844.37 | 0.36% | 21.70% | 14.20% | 7.22 |
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: 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 - 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 |
|---|---|---|---|---|---|---|
| SBI Midcap Fund | 1,490,000 | 2.97 | 684.58 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 693,070 | 0.77 | 318.43 | N/A | N/A | N/A |
| Axis Midcap Fund | 502,384 | 0.72 | 230.82 | 1,113,679 | 2025-12-08 07:27:37 | -54.89% |
| Edelweiss Mid Cap Fund | 411,327 | 1.49 | 188.98 | N/A | N/A | N/A |
| Axis ELSS Tax Saver Fund | 329,811 | 0.43 | 151.53 | 2,221,881 | 2025-12-08 03:52:34 | -85.16% |
| Axis Large & Mid Cap Fund | 276,047 | 0.82 | 126.83 | N/A | N/A | N/A |
| UTI Large & Mid Cap Fund | 168,394 | 1.46 | 77.37 | N/A | N/A | N/A |
| Edelweiss Large & Mid Cap Fund | 117,843 | 1.25 | 54.14 | N/A | N/A | N/A |
| UTI Aggressive Hybrid Fund | 104,052 | 0.72 | 47.81 | N/A | N/A | N/A |
| Baroda BNP Paribas Mid Cap Fund | 85,000 | 1.72 | 39.05 | 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
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: 21.4%)
- 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: 13.12%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.43
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.19
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 26.4 (Industry average Stock P/E: 50.48)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 4.63
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 21.36%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 21, Patullos Road, Chennai (Madras) Tamil Nadu 600002 | investorservices@sundaramfinance.in http://www.sundaramfinance.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. S Viji | Chairman |
| Mr. Harsha Viji | Executive Vice Chairman |
| Mr. Rajiv C Lochan | Managing Director |
| Mr. A N Raju | Deputy Managing Director |
| Mr. Srivats Ram | Non Executive Director |
| Mr. T T Srinivasaraghavan | Non Executive Director |
| Mr. S Mahalingam | Independent Director |
| Mr. L Ganesh | Independent Director |
| Mr. R Raghuttama Rao | Independent Director |
| Mrs. Bhavani Balasubramanian | Independent Director |
| Dr. Kshama Fernandes | Independent Director |
| Mr. R Venkatraman | Independent Director |
| Mrs. Anuradha Rao | Independent Director |
FAQ
What is the intrinsic value of Sundaram Finance Ltd?
Sundaram Finance Ltd's intrinsic value (as of 11 December 2025) is 4434.12 which is 5.48% lower the current market price of 4,691.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 52,134 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 52,134 Cr..
What is the current Stock Price of Sundaram Finance Ltd as on 11 December 2025?
The current stock price of Sundaram Finance Ltd as on 11 December 2025 is 4,691.
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 26.4.
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 0.75 %.
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.