Sundaram Finance Ltd logo

Sundaram Finance Ltd

SUNDARMFIN NSE

Key Fundamentals

MidcapNBFCFinancial Services
Market Cap
₹50,647 Cr
Volatility
Moderate
P/E Ratio
22.82
EBITDA
₹7,747 Cr
Return on Equity
13.46%
Debt to Equity
4.65
Book Value
₹1,340.6
EPS
₹140.47
52W High
₹5,642
52W Low
₹4,000

Insights

Beta

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

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Tapetide Score

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

Technical Indicators

Key Insights

Strengths

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

Weaknesses

2
  • Stock is trading at 3.37 times its book value
  • Company has low interest coverage ratio.

Growth Rate

Revenue Growth
15.30% ↗
Net Income Growth
10.62% ↘
Cash Flow Change
34.42% ↗
ROE
-2.04% ↘
ROCE
-4.93% ↘
EBITDA Margin (Avg.)
-2.56% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 1d ago
AI opinion · based on fundamentals
Risk medium

Sundaram Finance Ltd is a ₹50,042 Cr market cap NBFC trading at a PE of 22.6x and PB of 3.36x, with consistent 15% ROE over 3, 5, and 10-year periods. Sales have grown at a 21% CAGR over 3 years while the stock has declined 9% over the past year.

Bull Case 7
  • Consistent ROE of 15% maintained across 1-year, 3-year, 5-year, and 10-year periods, indicating stable return generation
  • Compounded sales growth of 21% over 3 years reflects strong business momentum
  • Compounded profit growth of 19% on a TTM basis outpacing long-term averages
  • 10-year stock CAGR of 13% demonstrates long-term wealth creation track record
  • 10-year compounded profit growth of 14% shows sustained earnings expansion over a full cycle
  • Healthy dividend payout ratio of 21.6% provides income component to shareholders
  • 5-year compounded sales and profit growth both at 13% indicates balanced top-line and bottom-line expansion
Bear Case 7
  • Stock trading at 3.36x book value is elevated for an NBFC, limiting margin of safety
  • Low interest coverage ratio raises concerns about debt servicing capacity in a rising rate environment
  • Stock has declined 9% over the past 1 year, underperforming broader markets
  • Dividend yield of only 0.89% is modest relative to the financial services sector average
  • PE of 22.6x is above typical NBFC valuations, pricing in significant future growth
  • 10-year compounded sales growth of only 7% suggests the recent acceleration may not be sustainable
  • 5-year stock CAGR of 12% lags the 3-year CAGR of 20%, indicating recent mean reversion in valuation

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

AI News Digest

Anthropic anthropic claude-opus-4.6 2h ago
Positives 1
  • 34% profit surge in Q1FY27 Aug 4

    Sundaram Finance posted a 34% jump in net profit to ₹636.19 crore in Q1FY27, supported by resilient asset quality and efficient cost management. Full utilization of recent NCD issuances confirmed with no deviation.

Neutral 1
  • CCO re-appointed for 5 years Aug 3

    P.N. Srikant re-appointed as Chief Compliance Officer and Company Secretary for a five-year term starting August 11, 2026, ensuring regulatory continuity.

TL;DR: Sundaram Finance is executing well with a strong 34% profit growth in Q1FY27 and stable asset quality. No material headwinds are visible in recent news flow. Leadership continuity on the compliance side adds governance stability. The near-term trend appears positive with earnings momentum intact.

Quarterly Results

  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

  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

  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

  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

  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%

Shareholding Pattern

As of Jun 2026
Promoters 37.21%
Public 26.42%
FIIs 18.58%
Others 9.79%
DIIs 8.00%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
35.90%
35.90%
35.89%
35.89%
38.49%
38.49%
38.49%
38.49%
38.49%
38.49%
38.49%
37.88%
37.87%
37.86%
37.23%
37.22%
37.22%
37.22%
37.22%
37.21%
37.21%
37.21%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
19.13%
18.97%
18.58%
DIIs
10.56%
10.57%
10.69%
11.43%
13.94%
15.89%
16.32%
16.43%
16.54%
16.60%
16.18%
16.47%
12.03%
8.52%
7.58%
7.40%
7.08%
7.22%
6.84%
7.43%
7.69%
8.00%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
27.50%
27.19%
27.14%
27.20%
27.16%
27.24%
26.95%
26.32%
25.98%
25.80%
25.75%
26.29%
26.85%
26.54%
26.93%
26.87%
26.78%
26.67%
26.66%
26.55%
26.38%
26.42%
Others
26.03%
26.33%
26.28%
25.48%
20.41%
18.38%
18.23%
18.75%
18.98%
19.11%
19.58%
19.36%
23.25%
27.08%
28.26%
28.51%
28.92%
28.89%
29.29%
9.68%
9.75%
9.79%
No. of Shareholders
0
0
23,573
22,888
22,013
23,413
24,149
24,827
24,073
35,741
41,738
42,597
42,288
43,762
44,168
45,966
46,076
49,279
55,894
55,416
57,271
56,309

Documents

1
Concall - May 2023 May 2023
2
Concall - Feb 2023 Feb 2023
3
Concall - May 2023 May 2023
4
Concall - Aug 2023 Aug 2023
5
Concall - Nov 2023 Nov 2023

Frequently Asked Questions about Sundaram Finance Ltd

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 is listed on the Indian stock exchanges. It is listed on NSE: SUNDARMFIN and BSE: 590071. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Sundaram Finance Ltd belong to?
Sundaram Finance Ltd operates in the Financial Services sector within the NBFC industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Sundaram Finance Ltd?
Sundaram Finance Ltd has a market capitalisation of approximately ₹50646.69 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Sundaram Finance Ltd?
The Price-to-Earnings (PE) ratio of Sundaram Finance Ltd is 22.82. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Sundaram Finance Ltd?
Over the past 52 weeks, Sundaram Finance Ltd has traded between a low of ₹4,000 and a high of ₹5,642. This range helps investors understand the stock's price volatility and recent trading levels.
Does Sundaram Finance Ltd pay dividends?
Yes, Sundaram Finance Ltd has a dividend yield of 0.89%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Sundaram Finance Ltd?
Sundaram Finance Ltd has a Return on Equity (ROE) of 13.46%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Sundaram Finance Ltd on Tapetide?
On Tapetide, you can view Sundaram Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

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
Issued Size 11,11,03,860

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