Sundaram Finance Ltd

₹ 4,179 2.69%

09 Jun - close price

sundaramfinance.in BSE: 590071 NSE: SUNDARMFIN

About

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]

Key Points

Company History
The Co. started with the business of financing the purchase of commercial vehicles and gradually expanded to multiple financial services. In 1981 it started equipment leasing operations. Post-1989 it started extending financial services through subsidiaries like India Equipment Leasing Ltd., and Sundaram Home Finance Ltd. In 1996 it entered into a joint venture agreement with Newton Management Limited, U. K., and Stewart Newton Holdings (Mauritius) Limited for setting up an Asset Management Company. ^[1]

Website BSE NSE

Market Cap ₹ 46,524 Cr.
Current Price ₹ 4,179
High / Low ₹ 5,642 / 4,000
Stock P/E 22.0
Book Value ₹ 1,341
Dividend Yield 0.96 %
ROCE 9.45 %
ROE 15.1 %
Face Value ₹ 10.0

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Pros

Company has been maintaining a healthy dividend payout of 18.8%

Cons

Stock is trading at 3.12 times its book value
Company has low interest coverage ratio.

* 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of Nifty 500 Nifty LargeMidcap 250 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty 500 Multicap 50:25:25 Nifty Total Market Nifty Midcap150 Momentum 50 Nifty500 Equal Weight Nifty Rural Nifty500 LargeMidSmall Equal-Cap Weighted

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	1,484	1,582	1,708	1,821	2,156	1,952	2,085	2,190	2,259	2,349	2,386	2,514	2,560
Interest	667	739	821	910	948	985	1,050	1,087	1,104	1,163	1,176	1,209	1,197
	300	382	375	351	524	402	436	462	368	559	515	509	544
Financing Profit	516	461	512	561	684	565	599	642	787	627	695	796	820
Financing Margin %	35%	29%	30%	31%	32%	29%	29%	29%	35%	27%	29%	32%	32%
	58	8	2	7	-90	8	11	17	41	4	15	-51	20
Depreciation	41	39	44	48	53	48	53	58	63	56	60	63	67
Profit before tax	533	430	471	520	541	525	557	601	765	575	650	682	773
Tax %	23%	28%	30%	23%	28%	23%	27%	25%	28%	28%	24%	23%	25%
	509	429	435	506	472	435	436	455	553	475	488	541	554
EPS in Rs	38.99	33.77	32.89	38.47	24.11	39.14	39.26	41.00	49.77	42.77	43.94	48.73	49.88
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	4,285	5,027	5,588	6,331	3,696	4,707	5,292	5,111	5,501	7,274	8,513	9,809
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
	1,505	2,221	2,735	3,906	932	1,222	1,235	1,392	1,285	1,632	1,667	2,126
Financing Profit	999	992	1,118	1,080	994	1,057	1,398	1,483	1,806	2,224	2,620	2,938
Financing Margin %	23%	20%	20%	17%	27%	22%	26%	29%	33%	31%	31%	30%
	-27	7	8	13	482	48	24	35	43	-80	50	-11
Depreciation	112	106	104	79	58	90	93	101	139	183	223	246
Profit before tax	860	893	1,022	1,014	1,418	1,016	1,330	1,417	1,711	1,961	2,447	2,681
Tax %	33%	34%	34%	34%	27%	21%	25%	25%	25%	27%	26%	25%
	644	662	768	843	1,258	845	1,223	1,296	1,510	1,842	1,879	2,059
EPS in Rs	51.83	52.49	61.52	65.70	104.49	71.25	104.87	105.61	119.51	129.25	169.17	185.32
Dividend Payout %	20%	21%	19%	18%	17%	18%	17%	19%	22%	23%	21%	13%

Compounded Sales Growth
10 Years:	7%
5 Years:	13%
3 Years:	21%
TTM:	15%

Compounded Profit Growth
10 Years:	14%
5 Years:	13%
3 Years:	17%
TTM:	14%

Stock Price CAGR
10 Years:	12%
5 Years:	10%
3 Years:	18%
1 Year:	-18%

Return on Equity
10 Years:	15%
5 Years:	15%
3 Years:	15%
Last Year:	15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	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
	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
	515	817	862	821	451	903	865	1,117	1,296	1,389	1,450	1,462
CWIP	2	4	3	3	0	0	0	0	1	5	1	0
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
	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 Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1,430	310	-965	-5,547	-4,200	9	450	1,781	-6,504	-8,488	-8,985	-5,892
	446	-83	-554	-1,182	1,000	-1,983	-243	-1,597	669	89	931	-1,371
	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	-5,955
CFO/OP	-41%	21%	-23%	-214%	-138%	9%	19%	55%	-145%	-144%	-129%	-73%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	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%

Insights

In beta

Mar 2014

Mar 2015

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Mar 2021

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Mar 2023

Mar 2024

Mar 2025

Disbursements
₹ Crore ・Standalone data

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Number of Branches
Numbers ・Standalone data

Receivables Under Management (AUM)
₹ Crore ・Standalone data

Capital Adequacy Ratio (CAR)
Percentage ・Standalone data

Number of Staff
Numbers ・Standalone data

Cost-to-Income Ratio
Percentage ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	38.49%	38.49%	37.88%	37.87%	37.86%	37.23%	37.22%	37.22%	37.22%	37.22%	37.21%	37.21%
	7.78%	8.35%	8.31%	13.36%	17.31%	18.42%	18.61%	19.00%	18.81%	19.06%	19.13%	18.97%
	16.94%	16.55%	16.84%	12.39%	8.88%	8.02%	7.86%	7.54%	7.82%	7.37%	7.43%	7.69%
	35.97%	35.80%	36.16%	35.58%	35.14%	35.53%	35.51%	35.44%	35.35%	35.55%	35.43%	35.34%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.80%	0.80%	0.80%
No. of Shareholders	35,741	41,738	42,597	42,288	43,762	44,168	45,966	46,076	49,279	55,894	55,416	57,271

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	36.16%	36.05%	35.96%	36.47%	35.93%	35.91%	38.49%	38.49%	37.87%	37.22%	37.21%
	1.66%	0.00%	0.00%	7.21%	0.00%	0.00%	9.91%	7.78%	13.36%	19.00%	18.97%
	13.96%	16.91%	17.78%	11.58%	20.90%	23.90%	14.27%	16.87%	12.39%	7.54%	7.69%
	47.32%	46.14%	45.39%	43.88%	42.32%	39.38%	36.50%	36.04%	35.58%	35.44%	35.34%
	0.91%	0.89%	0.88%	0.86%	0.00%	0.00%	0.82%	0.00%	0.00%	0.00%	0.80%
No. of Shareholders	20,758	23,633	25,847	24,659	27,302	23,573	24,149	23,652	42,288	46,076	57,271

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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