Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
Last Updated: April 2, 2026, 3:44 am
Author: Getaka|Social: XLinkedIn

Sundaram Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹4,065.01Overvalued by 11.50%vs CMP ₹4,593.00

P/E (24.2) × ROE (15.3%) × BV (₹1,362.00) × DY (0.76%)

₹2,471.78Overvalued by 46.18%vs CMP ₹4,593.00
MoS: -85.8% (Negative)Confidence: 59/100 (Moderate)Models: 1 Fair, 7 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹4,548.3523%Fair (-1%)
Graham NumberEarnings₹2,382.3917%Over (-48.1%)
Earnings PowerEarnings₹1,344.6114%Over (-70.7%)
DCFCash Flow₹3,319.4114%Over (-27.7%)
Net Asset ValueAssets₹1,361.597%Over (-70.4%)
EV/EBITDAEnterprise₹200.709%Over (-95.6%)
Earnings YieldEarnings₹1,852.107%Over (-59.7%)
ROCE CapitalReturns₹1,276.497%Over (-72.2%)
Consensus (8 models)₹2,471.78100%Overvalued
Key Drivers: Wide model spread (₹201–₹4,548) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 11.9%

*Investments are subject to market risks

Investment Snapshot

56
Sundaram Finance Ltd scores 56/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health59/100 · Moderate
ROCE 9.6% AverageROE 15.3% GoodD/E 4.72 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money60/100 · Moderate
FII holding up 0.13% (6mo) Slight increasePromoter holding at 37.2% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +14% YoY Positive
Industry Rank55/100 · Moderate
P/E 24.2 vs industry 98.5 Cheaper than peersROCE 9.6% vs industry 21.7% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:44 am

Market Cap 51,034 Cr.
Current Price 4,593
Intrinsic Value₹2,471.78
High / Low 5,642/4,200
Stock P/E24.2
Book Value 1,362
Dividend Yield0.76 %
ROCE9.64 %
ROE15.3 %
Face Value 10.0
PEG Ratio2.04

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Sundaram Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Sundaram Finance Ltd 51,034 Cr. 4,593 5,642/4,20024.2 1,3620.76 %9.64 %15.3 % 10.0
Mahindra & Mahindra Financial Services Ltd 40,267 Cr. 290 412/23216.3 1782.24 %8.77 %10.9 % 2.00
360 ONE WAM Ltd 38,707 Cr. 953 1,274/76632.9 2311.26 %14.9 %20.6 % 1.00
Tata Investment Corporation Ltd 29,199 Cr. 577 1,185/53971.6 6280.47 %1.21 %1.02 % 1.00
ICICI Securities Ltd 29,149 Cr. 896 /17.4 1700.00 %18.2 %41.8 % 5.00
Industry Average6,725.79 Cr1,029.6498.514,364.490.43%21.71%14.20%7.23

All Competitor Stocks of Sundaram Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue1,4101,4841,5821,7081,8212,1561,9522,0852,1902,2592,3492,3862,514
Interest 6226677398219109489851,0501,0871,1041,1631,1761,209
Expenses 327300382375351524402436462368559515509
Financing Profit460516461512561684565599642787627695796
Financing Margin %33%35%29%30%31%32%29%29%29%35%27%29%32%
Other Income 158827-908111741415-51
Depreciation 36413944485348535863566063
Profit before tax 425533430471520541525557601765575650682
Tax % 24%23%28%30%23%28%23%27%25%28%28%24%23%
Net Profit 382509429435506472435436455553475488541
EPS in Rs 29.9638.9933.7732.8938.4724.1139.1439.2641.0049.7742.7743.9448.73
Gross NPA %
Net NPA %

Last Updated: February 4, 2026, 12:46 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 12:46 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue4,1074,2855,0275,5886,3313,6964,7075,2925,1115,5017,2748,5139,508
Interest 1,7241,7821,8141,7351,3441,7702,4272,6592,2362,4103,4184,2264,652
Expenses 1,3891,5052,2212,7353,9069321,2221,2351,3921,2851,6321,6671,950
Financing Profit9939999921,1181,0809941,0571,3981,4831,8062,2242,6202,905
Financing Margin %24%23%20%20%17%27%22%26%29%33%31%31%31%
Other Income -5-27781348248243543-805010
Depreciation 11211210610479589093101139183223242
Profit before tax 8768608931,0221,0141,4181,0161,3301,4171,7111,9612,4472,672
Tax % 34%33%34%34%34%27%21%25%25%25%27%26%
Net Profit 6506446627688431,2588451,2231,2961,5101,8421,8792,058
EPS in Rs 52.3051.8352.4961.5265.70104.4971.25104.87105.61119.51129.25169.17185.21
Dividend Payout % 19%20%21%19%18%17%18%17%19%22%23%21%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 111111111111110110110110110110110110110
Reserves 2,9693,6394,0844,6985,5396,1496,5677,6208,6859,81010,96813,08715,019
Borrowing17,82818,79518,75820,21621,06925,02335,93936,46136,35642,69452,33461,08465,830
Other Liabilities 3,0053,2415,0955,7247,2682,3882,1052,3693,0033,4628641,0561,257
Total Liabilities 23,91425,78528,04830,74933,98633,67144,72146,56048,15456,07664,27675,33782,216
Fixed Assets 5595158178628214519038651,1171,2961,3891,4501,455
CWIP 3243300001510
Investments 2,4502,7314,0264,8158,6934,5395,0966,0578,0888,0825,7326,4819,841
Other Assets 20,90322,53723,20125,07024,46928,68038,72239,63838,95046,69757,15067,40570,920
Total Assets 23,91425,78528,04830,74933,98633,67144,72146,56048,15456,07664,27675,33782,216

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -564-1,430310-965-5,547-4,20094501,781-6,504-8,488-8,985
Cash from Investing Activity + -228446-83-554-1,1821,000-1,983-243-1,59766989931
Cash from Financing Activity + 1,004757-2611,3946,7563,2121,862-122-2005,8908,7547,821
Net Cash Flow 213-227-33-1242712-11185-1654356-233
Free Cash Flow -614-1,460261-1,014-5,578-4,231-344531,517-6,506-8,558-8,999
CFO/OP -9%-41%21%-23%-214%-138%9%19%55%-145%-144%-129%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-16.00-17.00-16.00-18.00-18.00907.00-34.00-35.00-35.00-41.00-51.00-60.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 21%17%15%15%14%14%12%16%14%14%14%15%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 38.49%38.49%38.49%37.88%37.87%37.86%37.23%37.22%37.22%37.22%37.22%37.21%
FIIs 7.78%7.78%8.35%8.31%13.36%17.31%18.42%18.61%19.00%18.81%19.06%19.13%
DIIs 16.87%16.94%16.55%16.84%12.39%8.88%8.02%7.86%7.54%7.82%7.37%7.43%
Public 36.04%35.97%35.80%36.16%35.58%35.14%35.53%35.51%35.44%35.35%35.55%35.43%
Others 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.80%0.80%
No. of Shareholders 23,65235,74141,73842,59742,28843,76244,16845,96646,07649,27955,89455,416

Shareholding Pattern Chart

No. of Shareholders

Sundaram Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
SBI Midcap Fund 1,350,000 3.21 743.781,490,0002026-03-23 01:52:11-9.4%
Nippon India Growth Mid Cap Fund 970,778 1.22 534.85817,2342026-02-23 00:06:1118.79%
Axis Midcap Fund 502,384 0.87 276.791,113,6792025-12-08 07:27:37-54.89%
Edelweiss Mid Cap Fund 411,327 1.58 226.62N/AN/AN/A
Axis ELSS Tax Saver Fund 329,811 0.55 181.712,221,8812025-12-08 03:52:34-85.16%
Axis Large & Mid Cap Fund 276,047 0.98 152.09N/AN/AN/A
UTI Large & Mid Cap Fund 178,394 1.72 98.29168,3942026-02-23 00:06:115.94%
Edelweiss Large & Mid Cap Fund 117,843 1.45 64.93N/AN/AN/A
PGIM India Midcap Fund 115,576 0.59 63.68N/AN/AN/A
UTI Aggressive Hybrid Fund 104,052 0.86 57.33N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 170.53130.31119.59106.48105.74
Diluted EPS (Rs.) 170.53130.31119.59106.48105.74
Cash EPS (Rs.) 184.68145.67128.00105.9899.38
Book Value[Excl.RevalReserv]/Share (Rs.) 1197.431005.281146.871006.34857.73
Book Value[Incl.RevalReserv]/Share (Rs.) 1197.431005.281146.871006.34857.73
Revenue From Operations / Share (Rs.) 769.95659.45496.93463.60476.28
PBDIT / Share (Rs.) 625.71513.03386.22340.68370.48
PBIT / Share (Rs.) 605.51496.43373.63331.50362.04
PBT / Share (Rs.) 222.07177.96155.26128.56120.67
Net Profit / Share (Rs.) 164.49129.08115.4096.8090.94
NP After MI And SOA / Share (Rs.) 170.53130.31119.58106.48105.74
PBDIT Margin (%) 81.2677.7977.7273.4877.78
PBIT Margin (%) 78.6475.2875.1871.5076.01
PBT Margin (%) 28.8426.9831.2427.7325.33
Net Profit Margin (%) 21.3619.5723.2220.8719.09
NP After MI And SOA Margin (%) 22.1419.7624.0622.9622.20
Return on Networth / Equity (%) 14.2412.9613.2913.3415.07
Return on Capital Employeed (%) 14.0213.9610.529.8611.25
Return On Assets (%) 2.492.232.352.432.50
Long Term Debt / Equity (X) 2.592.522.662.943.35
Total Debt / Equity (X) 4.634.724.314.134.72
Asset Turnover Ratio (%) 0.120.120.100.090.09
Current Ratio (X) 2.652.483.194.174.05
Quick Ratio (X) 2.652.483.194.174.05
Dividend Payout Ratio (NP) (%) 17.5922.2118.3615.0014.18
Dividend Payout Ratio (CP) (%) 15.7319.7016.6113.8113.13
Earning Retention Ratio (%) 82.4177.7981.6485.0085.82
Cash Earning Retention Ratio (%) 84.2780.3083.3986.1986.87
Interest Coverage Ratio (X) 1.631.651.771.681.53
Interest Coverage Ratio (Post Tax) (X) 1.431.441.531.481.38
Enterprise Value (Cr.) 109405.2996359.0069449.2359322.3965865.54
EV / Net Operating Revenue (X) 12.8913.2612.6811.6112.55
EV / EBITDA (X) 15.8717.0416.3215.8016.14
MarketCap / Net Operating Revenue (X) 5.956.264.604.195.43
Retention Ratios (%) 82.4077.7881.6384.9985.81
Price / BV (X) 3.824.112.542.433.68
Price / Net Operating Revenue (X) 5.956.264.604.195.43
EarningsYield 0.030.030.050.050.04

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Sundaram Finance Ltd. is a Public Limited Listed company incorporated on 11/08/1954 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65191TN1954PLC002429 and registration number is 002429. Currently Company is involved in the business activities of Financial service activities, except insurance and pension funding. Company's Total Operating Revenue is Rs. 6520.44 Cr. and Equity Capital is Rs. 111.10 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)21, Patullos Road, Chennai (Madras) Tamil Nadu 600002Contact not found
Management
NamePosition Held
Mr. S VijiChairman
Mr. Harsha VijiExecutive Vice Chairman
Mr. Rajiv C LochanManaging Director
Mr. A N RajuDeputy Managing Director
Mr. Srivats RamNon Executive Director
Mr. T T SrinivasaraghavanNon Executive Director
Mrs. Anuradha RaoIndependent Director
Mr. L GaneshIndependent Director
Mr. R Raghuttama RaoIndependent Director
Mrs. Bhavani BalasubramanianIndependent Director
Dr. Kshama FernandesIndependent Director
Mr. R VenkatramanIndependent Director

FAQ

What is the intrinsic value of Sundaram Finance Ltd and is it undervalued?

As of 14 April 2026, Sundaram Finance Ltd's intrinsic value is ₹2471.78, which is 46.18% lower than the current market price of ₹4,593.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (15.3 %), book value (₹1,362), dividend yield (0.76 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Sundaram Finance Ltd?

Sundaram Finance Ltd is trading at ₹4,593.00 as of 14 April 2026, with a FY2026-2027 high of ₹5,642 and low of ₹4,200. The stock is currently in the middle of its 52-week range. Market cap stands at ₹51,034 Cr..

How does Sundaram Finance Ltd's P/E ratio compare to its industry?

Sundaram Finance Ltd has a P/E ratio of 24.2, which is below the industry average of 98.51. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Sundaram Finance Ltd financially healthy?

Key indicators for Sundaram Finance Ltd: ROCE of 9.64 % is on the lower side compared to the industry average of 21.71%; ROE of 15.3 % shows strong shareholder returns. Dividend yield is 0.76 %.

Is Sundaram Finance Ltd profitable and how is the profit trend?

Sundaram Finance Ltd reported a net profit of ₹1,879 Cr in Mar 2025 on revenue of ₹8,513 Cr. Compared to ₹1,296 Cr in Mar 2022, the net profit shows an improving trend.

Does Sundaram Finance Ltd pay dividends?

Sundaram Finance Ltd has a dividend yield of 0.76 % at the current price of ₹4,593.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Sundaram Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
Explore Industry-wise Stock Analysis Reports