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 3.34 times its book value
- Company has low interest coverage ratio.
Growth Rate
AI Analysis — Bull vs Bear
Sundaram Finance Ltd is a well-established NBFC with a market cap of ₹50,839 Cr, trading at a PE of 23x and PB of 3.43x. The company has delivered consistent ROE of 15% across 3, 5, and 10-year periods, with TTM sales growth of 14% and profit growth of 19%, while maintaining a dividend payout of 21.6%.
- Consistent ROE of 15% maintained across 1-year, 3-year, 5-year, and 10-year periods, indicating stable capital efficiency
- TTM profit growth of 19% outpacing TTM sales growth of 14%, suggesting improving margins and operating leverage
- Compounded sales CAGR of 21% over 3 years demonstrates strong top-line momentum in recent years
- Compounded profit CAGR of 17% over 3 years reflects sustained earnings growth trajectory
- Long-term compounded profit growth of 14% over 10 years indicates durable earnings compounding
- Healthy dividend payout ratio of 21.6% provides regular income to shareholders
- Stock CAGR of 21% over 3 years reflects strong market re-rating in recent period
- 10-year stock CAGR of 13% aligned with 10-year profit CAGR of 14%, suggesting valuation has tracked fundamentals
- Stock trades at 3.43x book value, which is elevated for an NBFC and limits margin of safety
- Low interest coverage ratio indicates vulnerability to rising interest rate environments and potential earnings pressure
- Dividend yield of only 0.87% is modest relative to the financial services sector average
- 1-year stock CAGR of only 2% suggests recent price stagnation despite 19% TTM profit growth
- 5-year sales CAGR of 13% is notably lower than the 3-year CAGR of 21%, raising questions about sustainability of recent growth rates
- 10-year sales CAGR of only 7% indicates historically moderate top-line growth for a lending business
- PE of 23x is at a premium for a traditional vehicle finance NBFC, pricing in significant future growth
- 5-year stock CAGR of 13% versus 3-year CAGR of 21% shows much of the returns are concentrated in a shorter window
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
- Q1FY27 profit surges 34% Aug 4
Sundaram Finance posted a 34% profit surge to ₹636.19 crore in Q1FY27, supported by resilient asset quality and efficient cost management.
- FY26 net profit up 19% Jul 22
Full-year FY26 net profit rose 19% to ₹1,834 crore with disbursements growing 13.8% to ₹32,321 crore, indicating strong business momentum.
- 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.
- AGM approves director reappointment Jul 25
Shareholders approved reappointment of Harsha Viji as director, though public institutions voted 27.21% against. Dividend and financial statement resolutions passed near-unanimously.
TL;DR: Sundaram Finance is delivering consistent earnings growth with Q1FY27 profit up 34% and full-year FY26 profit up 19%, backed by healthy disbursement growth and solid asset quality. No material headwinds are visible in recent news. Management continuity is intact with key reappointments. The trend is clearly improving, though the 27.21% institutional dissent on a director reappointment bears minor monitoring.
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]