Sundaram Finance Limited SUNDARMFIN NIFTY_MIDNSEFINANCIAL
Sundaram Finance Limited, together with its subsidiaries, operates as a non-banking finance company in India. It accepts fixed, cumulative, and NRI deposits. The company also offers finance for new and used cars, new and used commercial vehicles, and new and used construction equipment; diesel finance for commercial vehicle operators and companies; tire and insurance finance; farm equipment finance for new/used tractors, harvesters, and farm implements; SME finance working capital, enterprise business, and machinery term loans, as well as channel finance; housing finance; and leasing services. In addition, it provides life insurance products comprising child, pension, whole-life, term, and investment plans; general insurance products, such as health, home, property, medical, and vehicle insurance products; mutual funds; and information technology, and business processing and support services. Further, it offers a suite of investment management services, which include asset allocation and execution, portfolio management, tax management, risk management, and estate management. The company was incorporated in 1954 and is based in Chennai, India.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 45.6%.
- Compounding revenue at 18.8% over 5 years.
- Profit CAGR of 15.7% over 5 years.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SUNDARMFIN Sundaram Finance Limited NIFTY_MIDNSEFINANCIAL | 4,188.90 | 22.42 | ₹46,167.14 Cr | 0.95% | - | 14.66% | 18.75% | 15.75% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 1,086.07 Cr | 1,156.82 Cr | 1,154.50 Cr | 1,274.24 Cr | 1,341.77 Cr |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | 396.40 Cr | 415.81 Cr | 403.59 Cr | 425.21 Cr | 455.22 Cr |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | 1,087.20 Cr | 1,103.90 Cr | 1,163.10 Cr | 1,209.33 Cr | 1,196.91 Cr |
| Pretax Income | - | 600.77 Cr | 764.78 Cr | 575.32 Cr | 682.24 Cr | 772.86 Cr |
| Tax Provision | - | 149.59 Cr | 211.25 Cr | 163.52 Cr | 160.26 Cr | 192.31 Cr |
| Net Income | - | 455.47 Cr | 552.98 Cr | 475.21 Cr | 541.36 Cr | 554.17 Cr |
| Diluted EPS | - | 41.33 | 50.17 | 43.12 | 49.12 | 50.28 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 2,952.56 Cr | 3,627.64 Cr | 4,194.05 Cr | 4,944.60 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 1,142.75 Cr | 1,421.75 Cr | 1,547.15 Cr | 1,691.82 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 2,368.89 Cr | 3,350.83 Cr | 4,225.98 Cr | 4,745.31 Cr |
| Pretax Income | - | 1,710.97 Cr | 1,961.13 Cr | 2,447.39 Cr | 2,680.57 Cr |
| Tax Provision | - | 429.27 Cr | 538.70 Cr | 634.58 Cr | 675.17 Cr |
| Net Income | - | 1,327.76 Cr | 1,436.02 Cr | 1,879.44 Cr | 2,058.86 Cr |
| Diluted EPS | - | 120.49 | 130.31 | 170.53 | 186.81 |
Compounded Sales Growth
| 5 Years: | 18.75% |
| 1 Year: | 10.00% |
Compounded Profit Growth
| 5 Years: | 15.75% |
| 1 Year: | 0.20% |
Stock Price Performance
| 1 Year: | -17.27% |
| 6 Months: | -11.81% |
| 3 Months: | -23.38% |
| 1 Month: | -7.63% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 56,075.85 Cr | 64,276.04 Cr | 75,336.67 Cr | 85,795.41 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 436.95 Cr | 642.18 Cr | 1,147.46 Cr | 1,519.68 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 100.52 Cr | 164.35 Cr | 227.62 Cr | 130.06 Cr |
| Total Liabilities | - | 43,427.43 Cr | 53,197.81 Cr | 62,139.84 Cr | 70,901.76 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 35,985.69 Cr | 44,459.59 Cr | 52,538.17 Cr | 60,763.26 Cr |
| Total Equity | - | 9,919.79 Cr | 11,078.23 Cr | 13,196.83 Cr | 14,893.65 Cr |
| Shares Outstanding | - | 11.11 Cr | 11.11 Cr | 11.11 Cr | 11.02 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -6,504.29 Cr | -8,487.63 Cr | -8,985.25 Cr | -5,892.22 Cr |
| Investing Cash Flow | - | 668.51 Cr | 88.90 Cr | 931.11 Cr | -1,371.35 Cr |
| Financing Cash Flow | - | 5,890.14 Cr | 8,754.33 Cr | 7,820.93 Cr | 7,478.48 Cr |
| Capital Expenditure | - | -25.35 Cr | -83.35 Cr | -57.37 Cr | -62.42 Cr |
| Free Cash Flow | - | -6,529.64 Cr | -8,570.98 Cr | -9,042.62 Cr | -5,954.64 Cr |
| Net Change in Cash | - | 54.36 Cr | 355.60 Cr | -233.21 Cr | 214.91 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 45.0% | 39.6% | 44.8% | 41.6% |
| ROE % | - | 13.4% | 13.0% | 14.2% | 13.8% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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