Sundaram Finance Ltd
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]
- Market Cap ₹ 50,758 Cr.
- Current Price ₹ 4,568
- High / Low ₹ 5,536 / 3,733
- Stock P/E 33.5
- Book Value ₹ 1,003
- Dividend Yield 0.77 %
- ROCE 9.71 %
- ROE 14.7 %
- Face Value ₹ 10.0
Pros
- Company has been maintaining a healthy dividend payout of 25.2%
Cons
- Stock is trading at 4.56 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.
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
2,292 | 2,353 | 2,461 | 2,411 | 2,841 | 3,324 | 3,911 | 3,994 | 3,870 | 4,068 | 5,483 | 6,546 | |
Interest | 1,164 | 1,168 | 1,218 | 1,165 | 1,346 | 1,766 | 2,072 | 2,031 | 1,700 | 1,780 | 2,576 | 3,254 |
388 | 423 | 490 | 460 | 596 | 626 | 837 | 857 | 941 | 816 | 1,090 | 1,112 | |
Financing Profit | 740 | 763 | 753 | 787 | 899 | 931 | 1,002 | 1,107 | 1,229 | 1,472 | 1,817 | 2,180 |
Financing Margin % | 32% | 32% | 31% | 33% | 32% | 28% | 26% | 28% | 32% | 36% | 33% | 33% |
-1 | -20 | 14 | 15 | 14 | 611 | 16 | 20 | 20 | 42 | 145 | 50 | |
Depreciation | 92 | 91 | 84 | 82 | 64 | 54 | 73 | 70 | 73 | 94 | 132 | 168 |
Profit before tax | 647 | 651 | 683 | 720 | 850 | 1,488 | 945 | 1,056 | 1,177 | 1,420 | 1,831 | 2,062 |
Tax % | 32% | 30% | 30% | 31% | 34% | 24% | 23% | 23% | 23% | 23% | 21% | 25% |
443 | 454 | 477 | 495 | 563 | 1,126 | 724 | 809 | 903 | 1,088 | 1,454 | 1,543 | |
EPS in Rs | 39.83 | 40.88 | 42.96 | 44.59 | 50.71 | 101.38 | 65.16 | 72.82 | 81.32 | 97.96 | 130.87 | 138.85 |
Dividend Payout % | 25% | 26% | 26% | 26% | 24% | 17% | 20% | 25% | 25% | 28% | 23% | 25% |
Compounded Sales Growth | |
---|---|
10 Years: | 11% |
5 Years: | 11% |
3 Years: | 19% |
TTM: | 19% |
Compounded Profit Growth | |
---|---|
10 Years: | 12% |
5 Years: | 16% |
3 Years: | 19% |
TTM: | 12% |
Stock Price CAGR | |
---|---|
10 Years: | 13% |
5 Years: | 29% |
3 Years: | 30% |
1 Year: | 8% |
Return on Equity | |
---|---|
10 Years: | 15% |
5 Years: | 15% |
3 Years: | 15% |
Last Year: | 15% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 111 | 111 | 111 | 111 | 111 | 111 | 111 | 111 | 111 | 111 | 111 | 111 |
Reserves | 2,294 | 2,867 | 3,202 | 3,635 | 4,023 | 4,933 | 5,436 | 6,068 | 6,782 | 7,626 | 9,361 | 11,028 |
Borrowing | 11,776 | 12,535 | 12,587 | 13,870 | 21,109 | 25,006 | 27,337 | 28,213 | 27,830 | 32,755 | 40,877 | 47,320 |
1,233 | 1,248 | 1,493 | 1,552 | 568 | 600 | 535 | 527 | 565 | 566 | 639 | 756 | |
Total Liabilities | 15,414 | 16,761 | 17,393 | 19,167 | 25,811 | 30,649 | 33,420 | 34,920 | 35,288 | 41,059 | 50,988 | 59,215 |
343 | 309 | 276 | 276 | 294 | 305 | 360 | 331 | 360 | 513 | 657 | 731 | |
CWIP | 3 | 2 | 3 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
Investments | 1,447 | 1,521 | 1,836 | 1,883 | 2,207 | 1,866 | 3,938 | 4,052 | 5,319 | 5,063 | 6,383 | 6,863 |
13,620 | 14,929 | 15,278 | 17,008 | 23,310 | 28,478 | 29,122 | 30,536 | 29,608 | 35,483 | 43,947 | 51,621 | |
Total Assets | 15,414 | 16,761 | 17,393 | 19,167 | 25,811 | 30,649 | 33,420 | 34,920 | 35,288 | 41,059 | 50,988 | 59,215 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
41 | -1,082 | 313 | -1,025 | -6,057 | -4,278 | 304 | -251 | 1,739 | -4,981 | -7,225 | -7,050 | |
-283 | 482 | -175 | -190 | -367 | 1,028 | -1,734 | 82 | -1,077 | 467 | 246 | 1,120 | |
254 | 571 | -141 | 1,215 | 6,460 | 3,254 | 1,319 | 253 | -687 | 4,573 | 7,363 | 5,617 | |
Net Cash Flow | 13 | -28 | -4 | 1 | 36 | 3 | -111 | 83 | -24 | 59 | 385 | -314 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 20% | 18% | 15% | 14% | 14% | 15% | 14% | 14% | 14% | 15% | 16% | 15% |
Documents
Announcements
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Shareholders meeting
24 July 2025 - Sundaram Finance Limited has informed regarding voting results of Annual General Meeting held on July 23, 2025
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Shareholders meeting
23 July 2025 - Sundaram Finance Limited has informed regarding the Minutes of the Proceedings of Annual General Meeting held on July 23, 2025.
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Updates
21 July 2025 - Sundaram Finance Limited has informed regarding a minor correction in the Notice to the 72nd Annual General Meeting.
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Updates
10 July 2025 - Sundaram Finance Limited has informed regarding Exercise of 80 options..
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Certificate under SEBI (Depositories and Participants) Regulations, 2018
7 July 2025 - Sundaram Finance Limited has informed about Certificate under SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 30.06.2025
Annual reports
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Financial Year 2022
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from nse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from bse
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Financial Year 2010
from nse
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Financial Year 2010
from bse
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Financial Year 2009
from bse
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Financial Year 2008
from bse
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Financial Year 2007
from bse
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Financial Year 2006
from bse
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]