Sundaram Finance logo

Sundaram Finance

SUNDARMFIN NSE

Key Fundamentals

MidcapNBFCFinancial Services
Market Cap
₹45,704 Cr
P/E (TTM)
20.59
EBITDA
₹7,747 Cr
Return on Equity
13.46%
Debt to Equity
4.65
Book Value
₹1,340.60
EPS (TTM)
₹199.81
52W High
₹5,642.00
52W Low
₹4,000.00

Price-based figures as of 9 Oct 2026, 3:51 pm IST · EPS basis: Consolidated · TTM

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

1
  • Company has been maintaining a healthy dividend payout of 21.6%

Weaknesses

2
  • Stock is trading at 3.18 times its book value
  • Company has low interest coverage ratio.

Growth Rate

Revenue Growth
15.3% lower than 3Y
Net Income Growth
10.62% lower than 3Y
Cash Flow Change
34.42% higher than 3Y
EBITDA Margin (Avg.)
-2.56% lower than 3Y

AI Analysis — Bull vs Bear

Figures as of 8 Oct 2026
AI opinion · based on fundamentals
Risk medium

As of the 2026-10-08 close, Sundaram Finance Ltd traded at ₹4,110.6, giving a market capitalisation of ₹45,670.35 crore, a trailing P/E of 20.57 and a price-to-book of 3.07. Profit has grown 19% over the trailing twelve months and 17% compounded over 3 years, and ROE has stayed around 15% over 3, 5 and 10 years. The stock is 2.8% above its 52-week low of ₹4,000 and 27.1% below its 52-week high of ₹5,642, with a 1-year stock return of -5%.

Bull Case 7
  • Profit growth is speeding up: TTM profit growth of 19% is above the 3-year CAGR of 17%, the 5-year CAGR of 13% and the 10-year CAGR of 14%.
  • Returns have been steady: ROE has been about 15% over the last year and over 3, 5 and 10 years, which points to consistent underwriting and profitability across credit cycles.
  • The business is growing faster: 3-year compounded sales growth of 21% and TTM growth of 14% are well above the 10-year CAGR of 7%.
  • Long-term shareholder returns have held up, with stock CAGRs of 13% over 10 years, 12% over 5 years and 10% over 3 years.
  • Valuation has come down: as of 2026-10-08 the stock trades at ₹4,110.6, 27.1% below its 52-week high of ₹5,642, at a trailing P/E of 20.57 on TTM EPS of ₹199.81.
  • The company has kept a healthy dividend payout of 21.6%, giving a dividend yield of 0.93% as of 2026-10-08.
  • At a market capitalisation of ₹45,670.35 crore, it is one of the larger listed NBFCs, which supports liquidity and access to funding.
Bear Case 8
  • The stock trades at 3.07 times book value as of 2026-10-08, a sizeable premium for a lender whose latest reported ROE is 13.46%. That leaves limited room for disappointment.
  • The company has a low interest coverage ratio. For a leveraged lender, this means earnings are sensitive to rising funding costs or slower loan growth.
  • The latest ROE of 13.46% is below the roughly 15% the company has delivered historically over 3, 5 and 10 years, which may signal some pressure on profitability.
  • ROCE is low at 9.65%. This reflects the high-leverage, thin-spread nature of the lending model and limits returns on total capital.
  • Price momentum is weak: the stock returned -5% over 1 year and, at ₹4,110.6, sits just 2.8% above its 52-week low of ₹4,000.
  • Long-term revenue growth is modest, with a 10-year compounded sales CAGR of only 7%. The recent 21% 3-year growth may not last through a credit downturn.
  • Income is limited: a dividend yield of 0.93% and a trailing earnings yield of about 4.9% (inverse of the 20.57 P/E) are low.
  • The debt-to-equity figure is not available in the data provided (null), so balance-sheet leverage cannot be checked directly from these metrics.

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

1d ago
Positives 1
  • GMT Engineers SME machinery tie-up Oct 1

    Sundaram Finance partnered with GMT Engineers Pvt Ltd to finance CNC bending machines, fibre laser cutters, power presses and automation equipment for SMEs and job shops in South India. The deal adds a point-of-sale lending channel for its SME division, led by Senior GM Rahul Jyoti Kumaran, in underserved industrial clusters.

TL;DR: The only recent news is a small vendor-financing tie-up. It supports Sundaram Finance's push to diversify its SME and equipment loan book beyond its core vehicle finance business, in line with the 'Make in India' theme. The article gives no deal size, disbursement target or pricing, so the financial impact is likely small and can't be measured yet. The news flow is steady with no new risks. Watch upcoming quarterly results for SME disbursement growth, asset quality and margins to judge whether partnerships like this one meaningfully lift loan growth.

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
1,582
1,708
1,821
2,156
1,952
2,085
2,190
2,259
2,349
2,386
2,514
2,560
2,644
Expenses
382
375
351
524
402
436
462
368
559
515
509
544
580
Financing Profit
461
512
561
684
565
599
642
787
627
695
796
820
818
Fin. Margin %
29%
30%
31%
32%
29%
29%
29%
35%
27%
29%
32%
32%
31%
Other Income
8
2
7
-90
8
11
17
41
4
15
-51
20
9
Interest
739
821
910
948
985
1,050
1,087
1,104
1,163
1,176
1,209
1,197
1,247
Depreciation
39
44
48
53
48
53
58
63
56
60
63
67
60
PBT
430
471
520
541
525
557
601
765
575
650
682
773
767
Tax %
28%
30%
23%
28%
23%
27%
25%
28%
28%
24%
23%
25%
26%
Net Profit
429
435
506
472
435
436
455
553
475
488
541
554
636
EPS in Rs
33.77
32.89
38.47
24.11
39.14
39.26
41
49.77
42.77
43.94
48.73
49.88
57.26
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
4,285
5,027
5,588
6,331
3,696
4,707
5,292
5,111
5,501
7,274
8,513
9,852
10,104
Expenses
1,505
2,221
2,735
3,906
932
1,222
1,235
1,392
1,285
1,632
1,667
2,126
2,147
Financing Profit
999
992
1,118
1,080
994
1,057
1,398
1,483
1,806
2,224
2,620
2,980
3,128
Fin. Margin %
23%
20%
20%
17%
27%
22%
26%
29%
33%
31%
31%
30%
31%
Other Income
-27
7
8
13
482
48
24
35
43
-80
50
-54
-6
Interest
1,782
1,814
1,735
1,344
1,770
2,427
2,659
2,236
2,410
3,418
4,226
4,745
4,829
Depreciation
112
106
104
79
58
90
93
101
139
183
223
246
249
PBT
860
893
1,022
1,014
1,418
1,016
1,330
1,417
1,711
1,961
2,447
2,681
2,872
Tax %
33%
34%
34%
34%
27%
21%
25%
25%
25%
27%
26%
25%
—
Net Profit
644
662
768
843
1,258
845
1,223
1,296
1,510
1,842
1,879
2,059
2,220
EPS in Rs
51.83
52.49
61.52
65.7
104
71.25
105
106
120
129
169
185
200
Div. Payout %
20%
21%
19%
18%
17%
18%
17%
19%
22%
23%
21%
21%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
111
111
111
110
110
110
110
110
110
110
110
110
Reserves
3,639
4,084
4,698
5,539
6,149
6,567
7,620
8,685
9,810
10,968
13,087
14,783
Borrowing
18,795
18,758
20,216
21,069
25,023
35,939
36,461
36,356
42,694
52,334
61,084
69,636
Other Liabilities
3,241
5,095
5,724
7,268
2,388
2,105
2,369
3,003
3,462
864
1,056
1,265
Total Liabilities
25,785
28,048
30,749
33,986
33,671
44,721
46,560
48,154
56,076
64,276
75,337
85,795
Fixed Assets
515
817
862
821
451
903
865
1,117
1,296
1,389
1,450
1,457
CWIP
2
4
3
3
0
0
0
0
1
5
1
5
Investments
2,731
4,026
4,815
8,693
4,539
5,096
6,057
8,088
8,082
5,732
6,481
9,029
Other Assets
22,537
23,201
25,070
24,469
28,680
38,722
39,638
38,950
46,697
57,150
67,405
75,305
Total Assets
25,785
28,048
30,749
33,986
33,671
44,721
46,560
48,154
56,076
64,276
75,337
85,795
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-1,430
310
-965
-5,547
-4,200
9
450
1,781
-6,504
-8,488
-8,985
-5,892
Investing
446
-83
-554
-1,182
1,000
-1,983
-243
-1,597
669
89
931
-1,371
Financing
757
-261
1,394
6,756
3,212
1,862
-122
-200
5,890
8,754
7,821
7,478
Net Cash Flow
-227
-33
-124
27
12
-111
85
-16
54
356
-233
215
Free Cash Flow
-1,460
261
-1,014
-5,578
-4,231
-34
453
1,517
-6,506
-8,558
-8,999
-5,921
CFO/OP
-41
21
-23
-214
-138
9
19
55
-145
-144
-129
-72
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
17%
15%
15%
14%
14%
12%
16%
14%
14%
14%
15%
15%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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58 extracted metrics + investor summaries across FY06–FY27.

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Shareholding Pattern

Public26.42%Promot.37.21%DIIs8.00%Others9.79%FIIs18.58%As ofJun 2026

Documents

1
Concall - Nov 2025 Nov 2025
2
Concall - Aug 2025 Aug 2025
3
Concall - May 2024 May 2024
4
Concall - May 2024 May 2024
5
Concall - Nov 2023 Nov 2023

Frequently Asked Questions about Sundaram Finance

What does Sundaram Finance Ltd do?
Sundaram Finance is a registered deposit taking NBFC established in 1954. The Co. is engaged in retail finance across multiple domains like Vehicle finance, Home Finance, Mutual Funds, General insurance and Financial service distribution [1]
Where is Sundaram Finance Ltd (SUNDARMFIN) listed?
Sundaram Finance Ltd trades as SUNDARMFIN on the NSE and under code 590071 on the BSE.
Which sector does Sundaram Finance Ltd belong to?
Sundaram Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Sundaram Finance Ltd?
Sundaram Finance Ltd has a market capitalisation of ₹45,704 Cr as of 9 Oct 2026, which places it in the Large Cap band.
What is the PE ratio of Sundaram Finance Ltd?
Sundaram Finance Ltd trades at a PE ratio of 20.59 as of 9 Oct 2026, on earnings per share of ₹199.81, against a book value of ₹1,340.6 per share.
What is the 52-week high and low of Sundaram Finance Ltd?
Over the last 52 weeks Sundaram Finance Ltd has traded between ₹4,000 and ₹5,642 as of 9 Oct 2026.
Does Sundaram Finance Ltd pay dividends?
Sundaram Finance Ltd has a dividend yield of 0.97%.
What is the Return on Equity (ROE) of Sundaram Finance Ltd?
Sundaram Finance Ltd reported a return on equity of 13.46%. Its debt-to-equity ratio is 4.65.

Company Information

Sundaram Finance is a registered deposit taking NBFC established in 1954. The Co. is engaged in retail finance across multiple domains like Vehicle finance, Home Finance, Mutual Funds, General insurance and Financial service distribution [1]

Website sundaramfinance.in
CEO Mr. Rajiv Chellappa Lochan
Employees 5,132
Listed 1998-01-07
Face Value ₹ 10
Shares Outstanding 11,11,03,860

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