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Consolidated Standalone

Sundaram Finance

₹4807.4 8 | 0.2%

Market Cap ₹53412 Cr.

Stock P/E 29.5

P/B 3.5

Current Price ₹4807.4

Book Value ₹ 1361.8

Face Value 10

52W High ₹5415.5

Dividend Yield 0.73%

52W Low ₹ 3940.9

Edit Ratio

Sundaram Finance Research see more...

Overview Inc. Year: 1954Industry: Finance - NBFC

Sundaram Finance Ltd is an totally India-based non-banking finance organisation. The Company is primarily engaged in the business of financing commercial vehicles, cars, construction equipment and different motors within the retail section. The Company's segments comprises Asset Financing and Others. It offers financing for industrial vehicles, cars, and utility vehicles, tractors and farm system, small and medium size businesses (SMEs) finance and various working capital products for financing diesel, tires, coverage as well as working capital for SMEs. The Company via its subsidiaries, gives domestic finance, loans against property, mutual funds and investment management solutions and quite a number of general insurance products and services. The Company has a presence of over six hundred branches. Its subsidiaries encompass Sundaram Home Finance Ltd, Sundaram Asset Management Company Ltd, Sundaram Finance Holdings Ltd and Sundaram Trustee Company Ltd, amongst others.

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Sundaram Finance Share Price

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Peer Comparison

Sundaram Finance Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Operating Revenue 1582 1708 1821 2156 1952 2085 2190 2259 2349 2386
Other Income 8 2 7 1 8 11 17 41 4 15
Total Income 1590 1711 1828 2157 1960 2096 2207 2300 2353 2401
Total Expenditure 382 375 351 524 402 436 462 368 559 515
Operating Profit 1208 1335 1478 1633 1558 1660 1746 1932 1794 1886
Interest Expense 739 821 910 948 985 1050 1087 1104 1163 1176
Depreciation 39 44 48 53 48 53 58 63 56 60
Profit Before Tax 430 471 520 541 525 557 601 765 575 650
Provision for Tax 122 143 122 152 122 151 150 211 164 159
Profit After Tax 308 328 398 389 402 406 451 554 412 491
Adjustments 67 38 29 -121 33 30 4 -1 63 -3
Profit After Adjustments 375 365 427 268 435 436 455 553 475 488
Adjusted Earnings Per Share 33.8 33.2 38.5 24.3 39.1 39.6 41 50.2 42.8 44.3

Sundaram Finance Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 4238 4959 5555 6290 3693 4708 5248 5108 5476 7267 8486 9184
Other Income 58 80 42 54 19 52 143 77 77 18 146 77
Total Income 4296 5039 5597 6344 3713 4760 5390 5186 5553 7286 8632 9261
Total Expenditure 1542 2225 2736 3906 932 1226 1257 1392 1293 1632 1736 1904
Operating Profit 2754 2814 2861 2438 2780 3534 4133 3794 4259 5654 6896 7358
Interest Expense 1782 1815 1735 1344 1770 2427 2711 2276 2410 3418 4226 4530
Depreciation 112 106 104 79 58 91 93 101 139 183 223 237
Profit Before Tax 860 893 1022 1014 1418 1016 1330 1417 1711 1961 2447 2591
Provision for Tax 287 308 345 348 388 210 328 350 429 539 635 684
Profit After Tax 573 585 677 666 1030 805 1002 1067 1282 1422 1813 1908
Adjustments 3 -2 6 63 131 -14 163 107 46 14 67 63
Profit After Adjustments 576 583 683 730 1161 792 1165 1173 1328 1436 1879 1971
Adjusted Earnings Per Share 51.8 52.5 61.5 66.3 105.4 71.9 105.7 106.5 120.5 130.3 170.5 178.3

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 17% 18% 13% 7%
Operating Profit CAGR 22% 22% 14% 10%
PAT CAGR 27% 19% 18% 12%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 12% 27% 25% 12%
ROE Average 15% 14% 14% 14%
ROCE Average 10% 9% 9% 10%

Sundaram Finance Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 3750 4195 4809 5649 6259 6677 7730 8795 9920 11078 13197
Minority's Interest 410 604 681 2307 1739 1455 1720 2294 2729 0 0
Borrowings 11214 8734 10592 16620 23898 35346 33207 33278 37755 47512 52138
Current Liability 9579 13226 13205 9260 1687 1197 3849 3727 5614 5612 9903
Other Liabilities & Provisions 710 1141 1336 150 88 -53 -48 -94 -123 29 99
Total Liabilities 25662 27899 30623 33986 33671 44623 46458 48000 55895 64231 75337
Loans 12346 12933 14013 19954 25929 27358 28798 28033 33037 41073 48252
Investments 1802 3080 3527 7950 4139 3135 3944 4696 5257 3440 5347
Fixed Assets 515 817 813 773 394 847 815 1070 1201 1312 1394
Other Loans 1332 1575 1945 367 213 315 355 412 538 458 248
Other Non Current Assets 89 126 123 229 196 149 97 69 90 106 94
Current Assets 9577 9368 10203 4714 2800 12818 12450 13673 15677 17765 19918
Total Assets 25662 27899 30623 33986 33671 44623 46458 48000 55895 64231 75337

Sundaram Finance Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 623 395 362 176 138 176 64 150 134 188 544
Cash Flow from Operating Activities -1430 310 -965 -5547 -4200 9 450 1781 -6504 -8488 -8985
Cash Flow from Investing Activities 446 -103 -554 -1182 1000 -1983 -243 -1597 669 89 931
Cash Flow from Financing Activities 757 -261 1394 6756 3212 1862 -122 -200 5890 8754 7821
Net Cash Inflow / Outflow -227 -54 -124 27 12 -111 85 -16 54 356 -233
Closing Cash & Cash Equivalent 395 362 238 203 150 64 150 134 188 544 311

Sundaram Finance Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 51.83 52.49 61.52 66.28 105.4 71.85 105.74 106.48 120.49 130.31 170.53
CEPS(Rs) 61.66 62.21 70.3 67.68 98.77 81.35 99.38 105.98 128.91 145.67 184.68
DPS(Rs) 10.5 11 11.5 12 17.5 13 18 20 27 30 35
Book NAV/Share(Rs) 337.38 377.38 432.71 512.78 568.03 605.87 701.52 797.96 899.88 1004.66 1196.32
Net Profit Margin 13.52 11.79 12.19 10.6 27.88 17.11 19.09 20.88 23.41 19.57 21.36
Operating Margin 62.33 54.59 49.63 37.5 86.32 73.14 76.99 72.29 75.25 74.02 78.64
PBT Margin 20.29 18 18.4 16.13 38.39 21.58 25.34 27.73 31.25 26.99 28.84
ROA(%) 2.32 2.18 2.31 2.06 3.04 2.06 2.2 2.26 2.47 2.37 2.6
ROE(%) 16.78 14.73 15.04 12.75 17.3 12.46 13.91 12.91 13.7 13.55 14.95
ROCE(%) 12.16 11.9 11.49 9.12 10.99 9.32 9.31 8.27 8.43 9.27 9.69
Price/Earnings(x) 29.36 24.95 26.14 25.26 14.79 16.71 24.44 18.22 18.96 31.7 26.85
Price/Book(x) 4.51 3.47 3.72 3.27 2.74 1.98 3.68 2.43 2.54 4.11 3.83
Dividend Yield(%) 0.69 0.84 0.72 0.72 1.12 1.08 0.7 1.03 1.18 0.73 0.76
EV/Net Sales(x) 8.17 6.52 6.67 6.11 11.19 10.28 12.22 11.16 12.18 13.26 12.89
EV/Core EBITDA(x) 12.57 11.5 12.96 15.77 14.86 13.69 15.52 15.03 15.66 17.04 15.87
Interest Earned Growth(%) 3.7 17.01 12.01 13.23 -41.28 27.46 11.47 -2.65 7.19 32.71 16.77
Net Profit Growth -1.29 2.07 15.76 -1.56 54.52 -21.8 24.43 6.44 20.16 10.98 27.44
EPS Growth(%) -0.89 1.27 17.2 7.74 59.01 -31.83 47.17 0.7 13.15 8.15 30.87
Interest Coverage(x) % 1.48 1.49 1.59 1.75 1.8 1.42 1.49 1.62 1.71 1.57 1.58

Sundaram Finance Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 38.49 38.49 37.88 37.87 37.86 37.23 37.22 37.22 37.22 37.22
FII 7.78 8.35 8.31 13.36 17.31 18.42 18.61 19 18.81 19.06
DII 16.94 16.55 16.84 12.39 8.88 8.02 7.86 7.54 7.82 7.37
Public 36.78 36.61 36.97 36.39 35.95 36.33 36.31 36.24 36.15 36.34
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Promoter holding is low: 37.22%.
  • Company has a low return on equity of 14% over the last 3 years.
  • Stock is trading at 3.5 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Sundaram Finance News

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