Sundaram Finance Ltd

₹ 4,207 -0.60%

11 Nov 1:45 p.m.

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
Sundaram Finance Ltd (SFL), initially focused on commercial-vehicle hire-purchase, now finances commercial vehicles, cars, construction equipment, tractors, and pre-owned vehicles. It also offers leasing, SME and supply-chain finance, while distributing deposits, insurance, home loans and investment products.
^[1]

Website BSE NSE

Market Cap ₹ 46,741 Cr.
Current Price ₹ 4,207
High / Low ₹ 5,642 / 3,816
Stock P/E 22.6
Book Value ₹ 1,235
Dividend Yield 0.95 %
ROCE 9.72 %
ROE 15.9 %
Face Value ₹ 10.0

Add ratio to table

Edit ratios

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 3.50 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 BSE Financial Services BSE MidCap Select Index Nifty LargeMidcap 250 Nifty 500 Multicap 50:25:25 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty Midcap150 Quality 50 Nifty Total Market Nifty500 Equal Weight Nifty Rural Nifty500 LargeMidSmall Equal-Cap Weighted Nifty MidSmallcap400 50:50

Edit Columns

Loading peers table ...

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	1,375	1,346	1,572	1,468	1,601	1,648	1,803	1,883	1,814	1,911	2,075	2,076	2,147
YoY Revenue growth	+31%	+33%	+49%	+24%	+16%	+22%	+15%	+28%	+13%	+16%	+15%	+10%	+18%
Interest	613	694	724	757	811	835	851	894	901	940	933	972	1,033
	258	233	341	281	296	317	218	390	356	347	341	390	445
Financing Profit	504	419	506	429	494	496	735	599	556	624	801	714	669
Financing Margin %	37%	31%	32%	29%	31%	30%	41%	32%	31%	33%	39%	34%	31%
	3	6	133	8	11	16	41	3	4	-49	19	10	3
Depreciation	31	35	39	36	40	44	48	42	46	49	52	45	53
Profit before tax	476	390	600	402	465	467	727	560	515	526	768	679	618
Tax %	23%	23%	16%	24%	27%	25%	25%	23%	23%	23%	21%	23%	23%
	366	300	506	308	340	349	546	429	394	403	608	522	475
EPS in Rs	32.98	27.01	45.57	27.69	30.61	31.42	49.13	38.59	35.48	36.26	54.76	46.95	42.76
Gross NPA %	2.89%	2.61%	1.98%	2.21%	2.39%	2.46%	2.17%	2.66%	2.03%	2.69%	2.14%	2.28%
Net NPA %	2.06%	1.82%	1.25%	1.41%	1.55%	1.62%	1.38%	1.71%	1.13%	1.73%	1.27%	1.35%
Raw PDF

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	8,210
Revenue growth	+3%	+5%	-2%	+18%	+17%	+18%	+2%	-3%	+5%	+35%	+19%	+18%	+15%
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	3,878
	423	490	460	596	626	837	857	941	816	1,090	1,112	1,434	1,523
Financing Profit	763	753	787	899	931	1,002	1,107	1,229	1,472	1,817	2,180	2,620	2,808
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	-17
Depreciation	91	84	82	64	54	73	70	73	94	132	168	189	199
Profit before tax	651	683	720	850	1,488	945	1,056	1,177	1,420	1,831	2,062	2,369	2,592
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	2,008
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	180.73
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:	15%

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

Stock Price CAGR
10 Years:	14%
5 Years:	12%
3 Years:	9%
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	Sep 2026
Equity Capital	111	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	13,607
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	59,725
	1,248	1,493	1,552	568	600	535	527	565	566	639	756	919	983
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	74,425
	309	276	276	294	305	360	331	360	513	657	731	769	871
CWIP	2	3	1	0	0	0	0	0	1	1	0	4	0
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	9,711
	14,929	15,278	17,008	23,310	28,478	29,122	30,536	29,608	35,483	43,947	51,621	58,044	63,843
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	74,425

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

Ratios

Standalone / 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

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Disbursements
₹ Crore

	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx
	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx
	x.xx	x.xx			x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx
xxx	xxx	xxx					xxx	xxx	xxx	xxx	xxx
x,xxx								x,xxx	x,xxx	x,xxx	x,xxx
			xx.xx					xx.xx	xx.xx	xx.xx	xx.xx
								xxx,xxx	xxx,xxx		xxx,xxx
										xx.xx	xx.xx

Please log in to see hidden values.

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

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	37.88%	37.87%	37.86%	37.23%	37.22%	37.22%	37.22%	37.22%	37.21%	37.21%	37.21%	37.19%
	8.31%	13.36%	17.31%	18.42%	18.61%	19.00%	18.81%	19.06%	19.13%	18.97%	18.58%	17.99%
	16.84%	12.39%	8.88%	8.02%	7.86%	7.54%	7.82%	7.37%	7.43%	7.69%	8.00%	8.88%
	36.16%	35.58%	35.14%	35.53%	35.51%	35.44%	35.35%	35.55%	35.43%	35.34%	35.43%	35.15%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.80%	0.80%	0.80%	0.00%	0.00%
No. of Shareholders	42,597	42,288	43,762	44,168	45,966	46,076	49,279	55,894	55,416	57,271	56,309	54,438

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
	36.16%	36.05%	35.96%	36.47%	35.93%	35.91%	38.49%	38.49%	37.87%	37.22%	37.21%	37.19%
	1.66%	0.00%	0.00%	7.21%	0.00%	0.00%	9.91%	7.78%	13.36%	19.00%	18.97%	17.99%
	13.96%	16.91%	17.78%	11.58%	20.90%	23.90%	14.27%	16.87%	12.39%	7.54%	7.69%	8.88%
	47.32%	46.14%	45.39%	43.88%	42.32%	39.38%	36.50%	36.04%	35.58%	35.44%	35.34%	35.15%
	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	54,438

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

All

Annual reports

Right Issue

Credit ratings

Concalls

Nov 2026

Transcript

AI Summary
PPT
Aug 2026

Transcript

AI Summary
PPT
May 2026

Transcript

AI Summary
PPT
Feb 2026

Transcript

AI Summary
PPT
Nov 2025

Transcript

AI Summary
PPT
Aug 2025

Transcript

AI Summary
PPT
May 2024

Transcript

AI Summary
PPT
May 2024

Transcript

AI Summary
PPT
Nov 2023

Transcript

AI Summary
PPT
Aug 2023

Transcript

AI Summary
PPT
May 2023

Transcript

AI Summary
PPT
Feb 2023

Transcript

AI Summary
PPT