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Sundaram Finance Ltd.

•
sundaramfinance.inBSE: 590071NSE: SUNDARMFIN
Market Cap₹ 52,245 Cr.
Current Price
High / Low₹ 5,642 / 4,000
Stock P/E27.1
Book Value₹ 1,190
Price to Book3.83
Dividend Yield0.85 %
ROCE9.6 %
ROE15.4 %
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 a consistent dividend-paying track record

CONS

  • Company has a low return on capital employed of 9.7%
  • 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.BAJFINANCE1046.0032.08651234.820.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1038.0021.58244239.691.043452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1849.1027.46157925.340.111656.2245.568856.2921.899.7070.07
4.TATACAP362.9528.51154067.520.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN231.1573.86152631.620.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG10971.0013.79122100.111.782708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2840.0010.03114017.051.062824.8443.088671.6036.2515.8783.76
8.ABCAPITAL400.0026.68109501.940.001223.8543.8512179.54137.848.8241.91
9.LTF311.2524.5178010.220.88915.9930.705212.9222.388.5462.13
10.SBICARD666.0027.8663379.430.38664.4419.515040.557.6011.7529.83
11.HDBFS676.5025.8356201.250.59785.2038.314937.9018.719.0957.98
12.SUNDARMFIN4702.3523.5452244.920.85636.1933.882644.1323.379.3580.61
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
1,1331,3271,2951,5131,4121,5291,5841,7311,8101,7421,8311,9932,076
2582582333412812963172183903563473411,407
Operating Profit9301,1171,1121,4981,1861,3051,3311,5861,4931,4581,4321,7171,686
OPM %82.03%84.17%85.93%99.06%84.03%85.35%84.01%91.59%82.46%83.68%78.21%86.16%81.22%
Other Income736-1811164134172810
Interest544613694724757811835851894901940933972
Depreciation27313539364044484246495245
365476390600402465467727560515526768679
Tax %23.01%23.01%23.00%15.57%23.50%26.89%25.32%24.91%23.40%23.40%23.40%20.83%23.18%
Net Profit281366300506308340349546429394403608522
2533274628313149393536555

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
2,3252,8063,3223,8423,9543,8704,0465,4806,5207,6837,642
4605966268498799418251,0911,1821,4382,450
Operating Profit1,8652,2102,6952,9933,0752,9293,2214,3895,3396,2445,191
OPM %80.22%78.76%81.14%77.90%77.78%75.69%79.62%80.10%81.87%81.28%67.94%
10249613971336072149145-19-16
Interest1,1651,3461,7662,0722,0821,7401,7802,5763,2543,6683,746
Depreciation82645473707394132168189192
Profit before Tax7208501,4889451,0561,1771,4201,8312,0622,3692,488
Tax %31.22%33.69%24.29%23.40%23.41%23.24%23.36%20.57%25.18%22.56%22.54%
Net Profit4955631,1267248099031,0881,4541,5431,8341,927
EPS0.000.000.000.0072.8281.3197.95130.87138.85165.09—
Dividend Payout %25.79%23.66%17.26%19.95%24.72%24.60%27.56%22.92%25.21%24.23%—

COMPOUNDED SALES GROWTH

10 Years:
13%
5 Years:
14%
3 Years:
24%

COMPOUNDED PROFIT GROWTH

10 Years:
14%
5 Years:
18%
3 Years:
19%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:
16%
5 Years:
15%
3 Years:
16%
Last Year:
15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 Capital111111111111111111111111111111
3,6334,0204,9305,4346,0676,7807,6239,35411,01612,588
10,03521,12325,02727,35328,23727,83032,75540,87747,32054,590
Trade Payables8473101736497111132176131
5,188429401325281285286499591804
Total Liabilities19,05125,75730,56933,29634,76135,10240,88650,97359,21568,225
276223225281259292413558656698
1,8832,2781,9464,0174,1245,3195,0636,3836,8639,408
0000000281925
Cash & Bank7479828396306936171,0701,4181,9751,298
16,14422,27427,55928,36929,68428,87534,33942,58549,70256,795
Total Assets19,05125,75730,56933,29634,76135,10240,88650,97359,21568,225

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
423-4,744-2,4901,8671,5103,506-3,023-5,067-4,265-1,935
Cash from Investing-190-3671,028-1,73482-1,0774672461,120-1,112
Cash from Financing1,2156,4603,2541,319253-6874,5737,3635,6176,253
1363-11183-2459385-314137

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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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