Sundaram Finance Ltd

₹ 4,503 0.41%

20 Aug - 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 ₹ 50,047 Cr.
Current Price ₹ 4,503
High / Low ₹ 5,642 / 4,000
Stock P/E 25.2
Book Value ₹ 1,144
Dividend Yield 0.89 %
ROCE 9.72 %
ROE 15.9 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 18.7% CAGR over last 5 years
Company has been maintaining a healthy dividend payout of 24.1%

Cons

Stock is trading at 3.93 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 LargeMidcap 250 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty 500 Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted Nifty Rural Nifty Total Market Nifty 500 Multicap 50:25:25 Nifty MidSmallcap400 50:50 Nifty Midcap150 Quality 50

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	1,187	1,375	1,346	1,572	1,468	1,601	1,648	1,803	1,883	1,814	1,911	2,075	2,076
Interest	544	613	694	724	757	811	835	851	894	901	940	933	972
	258	258	233	341	281	296	317	218	390	356	347	341	390
Financing Profit	385	504	419	506	429	494	496	735	599	556	624	801	714
Financing Margin %	32%	37%	31%	32%	29%	31%	30%	41%	32%	31%	33%	39%	34%
	7	3	6	133	8	11	16	41	3	4	-49	19	10
Depreciation	27	31	35	39	36	40	44	48	42	46	49	52	45
Profit before tax	365	476	390	600	402	465	467	727	560	515	526	768	679
Tax %	23%	23%	23%	16%	24%	27%	25%	25%	23%	23%	23%	21%	23%
	281	366	300	506	308	340	349	546	429	394	403	608	522
EPS in Rs	25.32	32.98	27.01	45.57	27.69	30.61	31.42	49.13	38.59	35.48	36.26	54.76	46.95
Gross NPA %	2.96%	2.89%	2.61%	1.98%	2.21%	2.39%	2.46%	2.17%	2.66%	2.03%	2.69%	2.14%
Net NPA %	2.00%	2.06%	1.82%	1.25%	1.41%	1.55%	1.62%	1.38%	1.71%	1.13%	1.73%	1.27%
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	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
	2,353	2,461	2,411	2,841	3,324	3,911	3,994	3,870	4,068	5,483	6,546	7,722	7,876
Interest	1,168	1,218	1,165	1,346	1,766	2,072	2,031	1,700	1,780	2,576	3,254	3,668	3,746
	423	490	460	596	626	837	857	941	816	1,090	1,112	1,434	1,433
Financing Profit	763	753	787	899	931	1,002	1,107	1,229	1,472	1,817	2,180	2,620	2,696
Financing Margin %	32%	31%	33%	32%	28%	26%	28%	32%	36%	33%	33%	34%	34%
	-20	14	15	14	611	16	20	20	42	145	50	-62	-16
Depreciation	91	84	82	64	54	73	70	73	94	132	168	189	192
Profit before tax	651	683	720	850	1,488	945	1,056	1,177	1,420	1,831	2,062	2,369	2,488
Tax %	30%	30%	31%	34%	24%	23%	23%	23%	23%	21%	25%	23%
	454	477	495	563	1,126	724	809	903	1,088	1,454	1,543	1,834	1,927
EPS in Rs	40.88	42.96	44.59	50.71	101.38	65.16	72.82	81.32	97.96	130.87	138.85	165.09	173.45
Dividend Payout %	26%	26%	26%	24%	17%	20%	25%	25%	28%	23%	25%	24%

Compounded Sales Growth
10 Years:	12%
5 Years:	14%
3 Years:	24%
TTM:	14%

Compounded Profit Growth
10 Years:	15%
5 Years:	19%
3 Years:	20%
TTM:	19%

Stock Price CAGR
10 Years:	13%
5 Years:	13%
3 Years:	20%
1 Year:	-12%

Return on Equity
10 Years:	15%
5 Years:	15%
3 Years:	15%
Last Year:	16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	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	111	111	111	111	111	111	111	111	111
Reserves	2,867	3,202	3,635	4,023	4,933	5,436	6,068	6,782	7,626	9,361	11,028	12,604
Borrowing	12,535	12,587	13,870	21,109	25,006	27,337	28,213	27,830	32,755	40,877	47,320	54,590
	1,248	1,493	1,552	568	600	535	527	565	566	639	756	919
Total Liabilities	16,761	17,393	19,167	25,811	30,649	33,420	34,920	35,288	41,059	50,988	59,215	68,225
	309	276	276	294	305	360	331	360	513	657	731	769
CWIP	2	3	1	0	0	0	0	0	1	1	0	4
Investments	1,521	1,836	1,883	2,207	1,866	3,938	4,052	5,319	5,063	6,383	6,863	9,408
	14,929	15,278	17,008	23,310	28,478	29,122	30,536	29,608	35,483	43,947	51,621	58,044
Total Assets	16,761	17,393	19,167	25,811	30,649	33,420	34,920	35,288	41,059	50,988	59,215	68,225

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1,082	313	-1,025	-6,057	-4,278	304	-251	1,739	-4,981	-7,225	-7,050	-5,005
	482	-175	-190	-367	1,028	-1,734	82	-1,077	467	246	1,120	-1,112
	571	-141	1,215	6,460	3,254	1,319	253	-687	4,573	7,363	5,617	6,253
Net Cash Flow	-28	-4	1	36	3	-111	83	-24	59	385	-314	137
Free Cash Flow	-1,099	298	-1,054	-6,071	-4,307	284	-244	1,729	-4,990	-7,276	-7,043	-5,033
CFO/OP	-46%	25%	-42%	-259%	-145%	17%	-0%	65%	-145%	-158%	-128%	-76%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	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 %	18%	15%	14%	14%	15%	14%	14%	14%	15%	16%	15%	16%

Insights

In beta

Mar 2015

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Disbursements
₹ Crore

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Receivables Under Management (AUM)
₹ Crore

Gross Stage 3 Assets
%

Branches
count

Staff (including off-roll)
count

Used Assets % of AUM
%

Customers
count

Commercial Vehicles % of AUM
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	38.49%	37.88%	37.87%	37.86%	37.23%	37.22%	37.22%	37.22%	37.22%	37.21%	37.21%	37.21%
	8.35%	8.31%	13.36%	17.31%	18.42%	18.61%	19.00%	18.81%	19.06%	19.13%	18.97%	18.58%
	16.55%	16.84%	12.39%	8.88%	8.02%	7.86%	7.54%	7.82%	7.37%	7.43%	7.69%	8.00%
	35.80%	36.16%	35.58%	35.14%	35.53%	35.51%	35.44%	35.35%	35.55%	35.43%	35.34%	35.43%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.80%	0.80%	0.80%	0.00%
No. of Shareholders	41,738	42,597	42,288	43,762	44,168	45,966	46,076	49,279	55,894	55,416	57,271	56,309

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	36.16%	36.05%	35.96%	36.47%	35.93%	35.91%	38.49%	38.49%	37.87%	37.22%	37.21%	37.21%
	1.66%	0.00%	0.00%	7.21%	0.00%	0.00%	9.91%	7.78%	13.36%	19.00%	18.97%	18.58%
	13.96%	16.91%	17.78%	11.58%	20.90%	23.90%	14.27%	16.87%	12.39%	7.54%	7.69%	8.00%
	47.32%	46.14%	45.39%	43.88%	42.32%	39.38%	36.50%	36.04%	35.58%	35.44%	35.34%	35.43%
	0.91%	0.89%	0.88%	0.86%	0.00%	0.00%	0.82%	0.00%	0.00%	0.00%	0.80%	0.00%
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	56,309

* 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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