WEBSITE BSE:590071 NSE: SUNDARAM FIN Inc. Year: 1954 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:56
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...Read More
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. ...Read Less
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Market Cap ₹55872 Cr.
Stock P/E 30.8
P/B 3.6
Current Price ₹5028.8
Book Value ₹ 1408.8
Face Value 10
52W High ₹5640
Dividend Yield 0.7%
52W Low ₹ 4200
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1708 | 1821 | 2156 | 1952 | 2085 | 2190 | 2259 | 2349 | 2386 | 2514 |
| Other Income | 2 | 7 | 1 | 8 | 11 | 17 | 41 | 4 | 15 | 16 |
| Total Income | 1711 | 1828 | 2157 | 1960 | 2096 | 2207 | 2300 | 2353 | 2401 | 2530 |
| Total Expenditure | 375 | 351 | 524 | 402 | 436 | 462 | 368 | 559 | 515 | 509 |
| Operating Profit | 1335 | 1478 | 1633 | 1558 | 1660 | 1746 | 1932 | 1794 | 1886 | 2021 |
| Interest Expense | 821 | 910 | 948 | 985 | 1050 | 1087 | 1104 | 1163 | 1176 | 1209 |
| Depreciation | 44 | 48 | 53 | 48 | 53 | 58 | 63 | 56 | 60 | 63 |
| Profit Before Tax | 471 | 520 | 541 | 525 | 557 | 601 | 765 | 575 | 650 | 682 |
| Provision for Tax | 143 | 122 | 152 | 122 | 151 | 150 | 211 | 164 | 159 | 160 |
| Profit After Tax | 328 | 398 | 389 | 402 | 406 | 451 | 554 | 412 | 491 | 522 |
| Adjustments | 38 | 29 | -121 | 33 | 30 | 4 | -1 | 63 | -3 | 19 |
| Profit After Adjustments | 365 | 427 | 268 | 435 | 436 | 455 | 553 | 475 | 488 | 541 |
| Adjusted Earnings Per Share | 33.2 | 38.5 | 24.3 | 39.1 | 39.6 | 41 | 50.2 | 42.8 | 44.3 | 48.7 |
| #(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 | 9508 |
| Other Income | 58 | 80 | 42 | 54 | 19 | 52 | 143 | 77 | 77 | 18 | 146 | 76 |
| Total Income | 4296 | 5039 | 5597 | 6344 | 3713 | 4760 | 5390 | 5186 | 5553 | 7286 | 8632 | 9584 |
| Total Expenditure | 1542 | 2225 | 2736 | 3906 | 932 | 1226 | 1257 | 1392 | 1293 | 1632 | 1736 | 1951 |
| Operating Profit | 2754 | 2814 | 2861 | 2438 | 2780 | 3534 | 4133 | 3794 | 4259 | 5654 | 6896 | 7633 |
| Interest Expense | 1782 | 1815 | 1735 | 1344 | 1770 | 2427 | 2711 | 2276 | 2410 | 3418 | 4226 | 4652 |
| Depreciation | 112 | 106 | 104 | 79 | 58 | 91 | 93 | 101 | 139 | 183 | 223 | 242 |
| Profit Before Tax | 860 | 893 | 1022 | 1014 | 1418 | 1016 | 1330 | 1417 | 1711 | 1961 | 2447 | 2672 |
| Provision for Tax | 287 | 308 | 345 | 348 | 388 | 210 | 328 | 350 | 429 | 539 | 635 | 694 |
| Profit After Tax | 573 | 585 | 677 | 666 | 1030 | 805 | 1002 | 1067 | 1282 | 1422 | 1813 | 1979 |
| Adjustments | 3 | -2 | 6 | 63 | 131 | -14 | 163 | 107 | 46 | 14 | 67 | 78 |
| Profit After Adjustments | 576 | 583 | 683 | 730 | 1161 | 792 | 1165 | 1173 | 1328 | 1436 | 1879 | 2057 |
| 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 | 186 |
| # | 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 | -4% | 30% | 17% | 15% |
| ROE Average | 15% | 14% | 14% | 14% |
| ROCE Average | 10% | 9% | 9% | 10% |
| #(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 |
| #(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 |
| # | 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 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 37.88 | 37.87 | 37.86 | 37.23 | 37.22 | 37.22 | 37.22 | 37.22 | 37.21 | 37.21 |
| FII | 8.31 | 13.36 | 17.31 | 18.42 | 18.61 | 19 | 18.81 | 19.06 | 19.13 | 18.97 |
| DII | 16.84 | 12.39 | 8.88 | 8.02 | 7.86 | 7.54 | 7.82 | 7.37 | 7.43 | 7.69 |
| Public | 36.97 | 36.39 | 35.95 | 36.33 | 36.31 | 36.24 | 36.15 | 36.34 | 36.23 | 36.13 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 4.21 | 4.21 | 4.21 | 4.14 | 4.14 | 4.14 | 4.14 | 4.13 | 4.13 | 4.13 |
| FII | 0.92 | 1.48 | 1.92 | 2.05 | 2.07 | 2.11 | 2.09 | 2.12 | 2.13 | 2.11 |
| DII | 1.87 | 1.38 | 0.99 | 0.89 | 0.87 | 0.84 | 0.87 | 0.82 | 0.82 | 0.85 |
| Public | 4.11 | 4.04 | 3.99 | 4.04 | 4.03 | 4.03 | 4.02 | 4.04 | 4.03 | 4.01 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 11.11 | 11.11 | 11.11 | 11.11 | 11.11 | 11.11 | 11.11 | 11.11 | 11.11 | 11.11 |
* The pros and cons are machine generated.
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