Sundaram Finance Ltd.

•

sundaramfinance.inBSE: 590071NSE: SUNDARMFIN

Market Cap₹ 52,382 Cr.

Current Price

High / Low₹ 5,642 / 4,000

Stock P/E23.6

Book Value₹ 1,390

Price to Book3.24

Dividend Yield0.85 %

ROCE9.4 %

ROE14.3 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Asset Financing: 92.5% • Other Operations: 7.5%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 18.9%
Solid return on assets for a lender - ROA of 2.9%
Company has consistently been profitable over the last 5 years
Latest quarter profit grew 33.9% YoY, showing strong momentum
Company has a consistent dividend-paying track record

CONS

Company has a low return on capital employed of 9.4%
Free cash flow has been persistently negative
Recurring exceptional / one-off items are inflating headline profit

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTYLARGEMIDCAP250 NIFTYMIDCAP150 NIFTY MIDCAP 150 NIFTY TOTAL MKT NIFTY 500

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	SUNDARMFIN	4714.65	23.60	52381.58	0.85	636.19	33.88	2644.13	23.37	9.35	80.61

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	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
	1,421	1,548	1,651	1,941	1,784	1,892	2,001	2,047	2,143	2,171	2,293	2,342	2,644
	382	375	351	524	402	436	462	368	559	515	509	544	1,886
Operating Profit	1,200	1,333	1,471	1,448	1,550	1,649	1,729	1,891	1,790	1,871	1,872	1,999	2,131
OPM %	84.42%	86.11%	89.11%	74.62%	86.89%	87.16%	86.40%	92.36%	83.53%	86.19%	81.61%	85.37%	80.61%
Other Income	8	2	7	1	8	11	17	41	4	15	16	29	9
Interest	739	821	910	948	985	1,050	1,087	1,104	1,163	1,176	1,209	1,197	1,247
Depreciation	39	44	48	53	48	53	58	63	56	60	63	67	60
	430	471	520	541	525	557	601	765	575	650	682	773	835
Tax %	28.40%	30.34%	23.44%	28.11%	23.33%	27.16%	24.90%	27.62%	28.42%	24.47%	23.49%	24.88%	23.77%
Net Profit	429	435	0	0	435	436	455	553	475	488	541	554	636
	34	33	39	24	39	40	41	50	43	44	49	50	6

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	5,555	6,290	3,693	4,708	5,248	5,108	5,476	7,267	8,486	9,809	9,450
	2,736	3,906	932	1,226	1,257	1,392	1,293	1,632	1,736	2,130	3,453
Operating Profit	2,819	2,383	2,761	3,482	3,991	3,717	4,182	5,635	6,750	7,679	5,996
OPM %	50.75%	37.89%	74.76%	73.97%	76.04%	72.76%	76.38%	77.54%	79.54%	78.28%	63.46%
	42	54	485	52	143	77	77	-73	146	-7	-6
Interest	1,735	1,344	1,770	2,427	2,711	2,276	2,410	3,418	4,226	4,745	4,829
Depreciation	104	79	58	91	93	101	139	183	223	246	249
Profit before Tax	1,022	1,014	1,418	1,016	1,330	1,417	1,711	1,961	2,447	2,681	2,940
Tax %	33.76%	34.30%	27.36%	20.72%	24.63%	24.71%	25.09%	27.47%	25.93%	25.19%	24.15%
Net Profit	677	666	1,030	805	1,002	1,067	1,282	1,422	1,813	2,005	2,230
EPS	0.00	0.00	0.00	0.00	105.74	106.48	120.49	130.31	170.53	186.81	—
Dividend Payout %	18.69%	18.10%	16.60%	18.09%	17.02%	18.78%	22.41%	23.02%	20.52%	21.41%	—

COMPOUNDED SALES GROWTH

10 Years:: 7%
5 Years:: 13%
3 Years:: 21%

COMPOUNDED PROFIT GROWTH

10 Years:: 13%
5 Years:: 12%
3 Years:: 16%

STOCK PRICE CAGR

10 Years:: 13%
5 Years:: 13%
3 Years:: 20%
1 Year:: 5%

RETURN ON EQUITY

10 Years:: 14%
5 Years:: 14%
3 Years:: 14%
Last Year:: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	111	110	110	110	110	110	110	110	110	110
Minority Interest	681	2,307	1,739	1,455	1,720	2,294	2,729	0	0	0
	4,696	5,537	6,146	6,564	7,619	8,682	9,806	10,961	13,074	14,767
	16,238	21,104	25,050	35,967	36,497	36,398	42,733	52,389	61,144	69,704
Trade Payables	981	4,101	112	99	81	137	151	173	222	192
	7,916	827	513	427	430	378	366	597	785	1,023
Total Liabilities	30,623	33,986	33,671	44,623	46,458	48,000	55,895	64,231	75,337	85,795
	813	773	394	847	815	1,070	1,201	1,312	1,394	1,405
	4,815	8,741	4,596	5,152	6,106	8,088	8,082	5,732	6,481	9,029
	0	0	0	0	0	0	0	87	89	99
Cash & Bank	1,014	1,074	859	785	789	715	1,145	1,503	2,132	1,520
	23,982	23,398	27,821	37,838	38,748	38,127	45,466	55,597	65,240	73,743
Total Assets	30,623	33,986	33,671	44,623	46,458	48,000	55,895	64,231	75,337	85,795

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	1,176	-4,122	-2,395	2,009	2,933	4,181	-3,844	-5,603	-5,313	-1,838
Cash from Investing	-554	-1,182	1,000	-1,983	-243	-1,597	669	89	931	-1,371
Cash from Financing	1,394	6,756	3,212	1,862	-122	-200	5,890	8,754	7,821	7,478
	-124	27	12	-111	85	-16	54	356	-233	215

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	37.86	37.23	37.22	37.22	37.22	37.22	37.21	37.21	37.21
	17.31	18.42	18.61	19.00	18.81	19.06	19.14	18.97	18.58
	8.88	8.01	7.85	7.55	7.82	7.38	7.42	7.69	8.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	35.95	36.33	36.31	36.24	36.15	36.34	36.23	36.14	36.21

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-11 - Sundaram Finance Limited has informed the Exchange about Institutional investors meet hosted by Ashika Stock Services Limited.

2026-09-11

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-11 - Sundaram Finance Limited has informed the Exchange about Institutional investors meet with UTI Pension Fund.

2026-09-11

Updates

2026-09-11 - Sundaram Finance Limited has informed the Exchange regarding ''Exercise of 20 Options".'.

2026-09-10

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-10 - Sundaram Finance Limited has informed the Exchange about Institutional investors meet with Yes Securities Institutional Equities.

2026-09-10

Updates

2026-09-10 - Sundaram Finance Limited has informed the Exchange regarding '' Exercise of 113 options".

2026-09-08

Updates

2026-09-08 - Sundaram Finance Limited has informed the Exchange regarding 'Sundaram Finance Limited has informed the Exchange regarding ''Exercise of 30 options".'.

2026-09-08

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-08 - Sundaram Finance Limited has informed the Exchange about Prior Intimation regarding Participation in Institutional Investors' Meeting.

2026-09-03

Updates

2026-09-03 - Sundaram Finance Limited has informed the Exchange regarding ''Exercise of 18 options".

2026-09-02

Updates

2026-09-02 - Sundaram Finance Limited has informed the Exchange regarding ''Exercise of 65 options".'.

News

Recent coverage and analyst commentary for SUNDARMFIN

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