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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 ofNIFTYLARGEMIDCAP250NIFTYMIDCAP150NIFTY MIDCAP 150NIFTY TOTAL MKTNIFTY 500
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.SUNDARMFIN4714.6523.6052381.580.85636.1933.882644.1323.379.3580.61
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
1,4211,5481,6511,9411,7841,8922,0012,0472,1432,1712,2932,3422,644
3823753515244024364623685595155095441,886
Operating Profit1,2001,3331,4711,4481,5501,6491,7291,8911,7901,8711,8721,9992,131
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 Income8271811174141516299
Interest7398219109489851,0501,0871,1041,1631,1761,2091,1971,247
Depreciation39444853485358635660636760
430471520541525557601765575650682773835
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 Profit42943500435436455553475488541554636
3433392439404150434449506

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
5,5556,2903,6934,7085,2485,1085,4767,2678,4869,8099,450
2,7363,9069321,2261,2571,3921,2931,6321,7362,1303,453
Operating Profit2,8192,3832,7613,4823,9913,7174,1825,6356,7507,6795,996
OPM %50.75%37.89%74.76%73.97%76.04%72.76%76.38%77.54%79.54%78.28%63.46%
4254485521437777-73146-7-6
Interest1,7351,3441,7702,4272,7112,2762,4103,4184,2264,7454,829
Depreciation10479589193101139183223246249
Profit before Tax1,0221,0141,4181,0161,3301,4171,7111,9612,4472,6812,940
Tax %33.76%34.30%27.36%20.72%24.63%24.71%25.09%27.47%25.93%25.19%24.15%
Net Profit6776661,0308051,0021,0671,2821,4221,8132,0052,230
EPS0.000.000.000.00105.74106.48120.49130.31170.53186.81—
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

Corporate actions

2026

Jul 6

₹ 2.40

Rs.24.0000 per share(240%)Final Dividend

2026

Feb 6

₹ 1.60

Rs.16.0000 per share(160%)Interim Dividend

2025

Jul 9

₹ 2.10

2025

Feb 7

₹ 1.40

2024

Jul 31

₹ 1.60

Rs.16.0000 per share(160%)Final Dividend

2024

Feb 16

₹ 1.40

2023

Jul 5

₹ 1.50

Rs.15.0000 per share(150%)Final Dividend

2023

Feb 17

₹ 1.20

Rs.12.0000 per share(120%)Interim Dividend

2022

Jul 8

₹ 1

Rs.10.0000 per share(100%)Final Dividend

2022

Feb 17

₹ 1

Rs.10.0000 per share(100%)Interim Dividend

2021

Aug 24

₹ 0.60

Rs.6.0000 per share(60%)Final Dividend

2021

Feb 2

₹ 1.20

Interim Dividend

2020

Feb 18

₹ 1

Rs.10.0000 per share(100%)Interim Dividend

2018

Jul 4

₹ 0.70

Rs.7.0000 per share(70%)Final Dividend

2018

May 10

₹ 0.50

Rs.5.0000 per share(50%)Interim Dividend

2017

Jul 4

₹ 0.65

Rs.6.5000 per share(65%)Final Dividend

2017

Mar 1

₹ 0.50

10/03/2017 Equity Rs.5.0000 per share(50%)Interim Dividend

2016

Jul 5

₹ 0.10

Rs.1.0000 per share(10%)Final Dividend

2016

Mar 17

₹ 0.55

Rs.5.5000 per share (55%) Second Interim Dividend

2016

Feb 9

₹ 0.45

Rs.4.5000 per share(45%)Interim Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital111110110110110110110110110110
Minority Interest6812,3071,7391,4551,7202,2942,729000
4,6965,5376,1466,5647,6198,6829,80610,96113,07414,767
16,23821,10425,05035,96736,49736,39842,73352,38961,14469,704
Trade Payables9814,1011129981137151173222192
7,9168275134274303783665977851,023
Total Liabilities30,62333,98633,67144,62346,45848,00055,89564,23175,33785,795
8137733948478151,0701,2011,3121,3941,405
4,8158,7414,5965,1526,1068,0888,0825,7326,4819,029
0000000878999
Cash & Bank1,0141,0748597857897151,1451,5032,1321,520
23,98223,39827,82137,83838,74838,12745,46655,59765,24073,743
Total Assets30,62333,98633,67144,62346,45848,00055,89564,23175,33785,795

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
1,176-4,122-2,3952,0092,9334,181-3,844-5,603-5,313-1,838
Cash from Investing-554-1,1821,000-1,983-243-1,59766989931-1,371
Cash from Financing1,3946,7563,2121,862-122-2005,8908,7547,8217,478
-1242712-11185-1654356-233215

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
37.8637.2337.2237.2237.2237.2237.2137.2137.21
17.3118.4218.6119.0018.8119.0619.1418.9718.58
8.888.017.857.557.827.387.427.698.00
Government0.000.000.000.000.000.000.000.000.00
35.9536.3336.3136.2436.1536.3436.2336.1436.21

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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