Sundaram Finance Ltd
Sundaram Finance Ltd
Financial ServicesKey Fundamentals
MidcapNBFCFinancial ServicesInsights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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30 extracted metrics + investor summaries across FY06–FY26.
Tapetide Score
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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
AI Analysis — Bull vs Bear
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.
- 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
- 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
- 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.
- 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 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 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 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | — |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 17% | 15% | 15% | 14% | 14% | 12% | 16% | 14% | 14% | 14% | 15% | 15% |
Documents
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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]