MarketFriction

Sundaram Finance Ltd

NSE SUNDARMFIN · BSE 590071 · Non Banking Financial Company (NBFC)
₹4,395.90 +0.94%
NSE close2026-10-01
52 week range4,000.00 - 5,642.00
Market cap₹48,161 Cr.
P/E21.2
Nifty 500Midcap 150 Price band 20% Delivery 56.8%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Consolidated, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue1,7081,8212,1561,9522,0852,1902,2592,3492,3862,5142,5602,644
Interest8219109489851,0501,0871,1041,1631,1761,2091,1971,247
Expenses375351524402436462368559515509544580
Financing Profit512561684565599642787627695796820818
Financing Margin %30%31%32%29%29%29%35%27%29%32%32%31%
Other Income27-908111741415-51209
Depreciation444853485358635660636760
Profit before tax471520541525557601765575650682773767
Tax %30%23%28%23%27%25%28%28%24%23%25%26%
Net Profit435506472435436455553475488541554636
EPS in Rs32.8938.4724.1139.1439.2641.0049.7742.7743.9448.7349.8857.26
Gross NPA %
Net NPA %
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue5,0275,5886,3313,6964,7075,2925,1115,5017,2748,5139,85210,104
Interest1,8141,7351,3441,7702,4272,6592,2362,4103,4184,2264,7454,829
Expenses2,2212,7353,9069321,2221,2351,3921,2851,6321,6672,1262,147
Financing Profit9921,1181,0809941,0571,3981,4831,8062,2242,6202,9803,128
Financing Margin %20%20%17%27%22%26%29%33%31%31%30%31%
Other Income781348248243543-8050-54-6
Depreciation10610479589093101139183223246249
Profit before tax8931,0221,0141,4181,0161,3301,4171,7111,9612,4472,6812,872
Tax %34%34%34%27%21%25%25%25%27%26%25%
Net Profit6627688431,2588451,2231,2961,5101,8421,8792,0592,220
EPS in Rs52.4961.5265.70104.4971.25104.87105.61119.51129.25169.17185.32199.81
Dividend Payout %21%19%18%17%18%17%19%22%23%21%21%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth7%13%21%14%
Compounded Profit Growth14%13%17%19%
Stock Price CAGR14%12%12%-2%
Return on Equity15%15%15%15%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital111111111110110110110110110110110110
Reserves3,6394,0844,6985,5396,1496,5677,6208,6859,81010,96813,08714,783
Borrowing18,79518,75820,21621,06925,02335,93936,46136,35642,69452,33461,08469,636
Other Liabilities3,2415,0955,7247,2682,3882,1052,3693,0033,4628641,0561,265
Total Liabilities25,78528,04830,74933,98633,67144,72146,56048,15456,07664,27675,33785,795
Fixed Assets5158178628214519038651,1171,2961,3891,4501,457
CWIP243300001515
Investments2,7314,0264,8158,6934,5395,0966,0578,0888,0825,7326,4819,029
Other Assets22,53723,20125,07024,46928,68038,72239,63838,95046,69757,15067,40575,305
Total Assets25,78528,04830,74933,98633,67144,72146,56048,15456,07664,27675,33785,795
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-1,430310-965-5,547-4,20094501,781-6,504-8,488-8,985-5,892
Cash from Investing Activity446-83-554-1,1821,000-1,983-243-1,59766989931-1,371
Cash from Financing Activity757-2611,3946,7563,2121,862-122-2005,8908,7547,8217,478
Net Cash Flow-227-33-1242712-11185-1654356-233215
Free Cash Flow-1,460261-1,014-5,578-4,231-344531,517-6,506-8,558-8,999-5,921
CFO/OP-41%21%-23%-214%-138%9%19%55%-145%-144%-129%-72%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %17%15%15%14%14%12%16%14%14%14%15%15%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters38.49%37.88%37.87%37.86%37.23%37.22%37.22%37.22%37.22%37.21%37.21%37.21%
FIIs8.35%8.31%13.36%17.31%18.42%18.61%19.00%18.81%19.06%19.13%18.97%18.58%
DIIs16.55%16.84%12.39%8.88%8.02%7.86%7.54%7.82%7.37%7.43%7.69%8.00%
Public35.80%36.16%35.58%35.14%35.53%35.51%35.44%35.35%35.55%35.43%35.34%35.43%
Others0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.80%0.80%0.80%0.00%
No. of Shareholders41,73842,59742,28843,76244,16845,96646,07649,27955,89455,41657,27156,309

Fundamentals

Market Cap₹ 48,161 Cr.
Current Price₹ 4,335
Stock P/E21.2
Book Value₹ 1,341
ROCE9.44 %
ROE15.0 %
Dividend Yield0.92 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)14%
Compounded Profit Growth (TTM)19%
Consolidated figures.
Valuation
Market capRs 48,840 Cr
Enterprise valueRs 116,957 Cr
P/E (TTM)22.00x
Price to book3.28x
Price to sales4.83x
EV / EBITDA14.71x
EV / EBIT15.19x
EV / sales11.58x
Earnings yield4.55%
Dividend yield0.90%
P/E, 3-year average27.56x
P/B, 3-year average3.76x
P/E, 5-year average24.00x
P/B, 5-year average3.25x
Profitability
Operating margin (excl. other income)78.42%
Operating margin (incl. other income)77.87%
EBITDA margin78.69%
Pre-tax margin28.43%
Net profit margin21.97%
Net margin, latest quarter24.06%
ROE14.66%
ROCE9.35%
ROA2.56%
ROE, 3-year average14.61%
ROCE, 3-year average9.44%
ROA, 3-year average2.54%
ROE, 5-year average14.44%
ROCE, 5-year average8.98%
ROA, 5-year average2.53%
ROIC (approx.)6.94%
Tax rate25.19%
Other income / net worth-0.36%
Growth
Sales growth (latest year)15.73%
Profit growth (latest year)9.55%
Sales CAGR, 3 years21.44%
Sales CAGR, 5 years13.23%
Profit CAGR, 3 years15.74%
Profit CAGR, 5 years12.06%
Sales growth QoQ3.27%
Profit growth QoQ14.80%
Sales growth YoY (latest quarter)12.57%
Profit growth YoY (latest quarter)33.88%
Per share
EPS (TTM)Rs 199.80
EPS (latest year)Rs 185.31
EPS (latest quarter)Rs 57.26
EPS, 3-year averageRs 161.24
EPS, 5-year averageRs 142.14
Book value per shareRs 1,340.52
Sales per shareRs 909.43
Cash flow per shareRs -530.33
Free cash flow per shareRs -532.92
Dividend per share (latest year)Rs 39.68
Dividend per share, 3-year averageRs 34.72
Dividend per share, 5-year averageRs 30.23
Dividends
Dividend payout21.41%
Dividend payout, 3-year average21.65%
Dividend payout, 5-year average21.23%
Efficiency
Asset turnover0.11x
Fixed asset turnover6.76x
Debtor days4 days
Debtors turnover99.05x
Leverage
Total debtRs 69,636 Cr
Cash and bankRs 1,520 Cr
Net debtRs 68,117 Cr
Debt to equity4.68x
Net debt / EBITDA8.57x
Interest coverage1.59x
Owners' fund to total sources17.36%
Debt to assets81.17%
Cash flow
Cash from Operating Activity (latest year)Rs -5,892 Cr
Cash from Investing Activity (latest year)Rs -1,371 Cr
Cash from Financing Activity (latest year)Rs 7,478 Cr
Net Cash Flow (latest year)Rs 215 Cr
Free cash flow (latest year)Rs -5,921 Cr
FCFE (approx.: FCF + change in debt)Rs 2,632 Cr
Cash from ops / profit, 5 years-3.27x
Statement figures
Net sales (TTM)Rs 10,104 Cr
Net sales (latest year)Rs 9,852 Cr
Sales (latest quarter)Rs 2,644 Cr
Operating profit excl. other income (latest year)Rs 7,726 Cr
Operating profit (latest quarter)Rs 2,064 Cr
Other income (TTM)Rs -6 Cr
EBITDA (TTM)Rs 7,950 Cr
PBDT (TTM)Rs 3,122 Cr
Profit before tax (TTM)Rs 2,872 Cr
Tax (latest year)Rs 675 Cr
Net profit (TTM)Rs 2,220 Cr
Net profit (latest year)Rs 2,059 Cr
Net profit (latest quarter)Rs 636 Cr
Depreciation (TTM)Rs 249 Cr
Depreciation (latest quarter)Rs 60 Cr
Interest (TTM)Rs 4,829 Cr
Cost of goods sold (latest year)Rs 207 Cr
Total expenditure (latest year)Rs 2,126 Cr
Total income (latest year)Rs 9,798 Cr
Share capitalRs 110 Cr
ReservesRs 14,783 Cr
Shareholders' fundsRs 14,894 Cr
Total assetsRs 85,795 Cr
Net blockRs 1,457 Cr
Capital work in progressRs 5 Cr
InvestmentsRs 9,029 Cr
ReceivablesRs 99 Cr
Other liabilitiesRs 1,265 Cr
Shares outstanding (crore)11.11
Ownership
Promoter holding37.21% (-0.01 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 22.0 is at the 34th percentile of its own 9.4-year range (median 24.3, low 11.5, high 40.8).
P/B 3.28 is at the 47th percentile (median 3.36).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodSUNDARMFINNifty 50Difference
1 week-4.3%-2.8% -1.5 pts
1 month-3.2%-6.8% +3.6 pts
3 months-3.9%-7.6% +3.7 pts
6 months+0.5%+0.4% +0.1 pts
1 year-4.2%-9.9% +5.7 pts
2 years-12.1%-13.6% +1.5 pts
3 years+43.1%+14.2% +29.0 pts
5 years+79.5%+27.9% +51.6 pts
106 mutual fund schemes hold about ₹3,923 Cr. Over three months 31 bought more and 14 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
SBI Midcap Fund2.58%632 +3%
SBI Midcap Fund2.58%628 +3%
Nippon India Growth Mid Cap Fund0.84%441 -1%
Axis Midcap Fund0.64%222 +0%
Axis ELSS-Tax Saver Fund0.67%220 +43%
Edelweiss Mid Cap Fund1.00%200 -6%
Axis Large & Mid Cap Fund0.72%125 -0%
UTI Large & Mid Cap Fund1.87%122 +13%
Axis Large & Mid Cap Fund0.72%122 -0%
ICICI Pru ELSS-Tax Saver Fund0.74%106 +926%
Nippon India Banking & Financial Services Fund1.18%94 +3%
Edelweiss Large & Mid Cap Fund1.37%68 +25%
PGIM India Flexi Cap Fund1.12%67 +19%
Mirae Asset Small Cap Fund1.01%58 -11%
UTI Aggressive Hybrid Fund0.82%55 +16%
PGIM India Midcap Fund0.47%52 +3%
SBI ELSS Tax Saver Fund0.15%48 +100%
Baroda BNP Paribas Mid Cap Fund1.47%39 +0%
Bajaj Finserv Large & Mid Cap Fund1.53%38 +100%
Mirae Asset Flexi Cap Fund0.84%38 -1%
Helios Mid Cap Fund1.69%38 +18%
SBI Banking & Financial Services Fund0.34%37 +100%
Edelweiss Multi Cap Fund1.00%36 +102%
ICICI Pru Rural Opportunities Fund1.61%33 +40%
Motilal Oswal Nifty Midcap 150 Index Fund0.73%30 +0%

Red flags

F-score 3 of 8
explainWeak cash conversion Cash from operations was -435% of net profit over the last 3 years
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Insider trades

NSE insider and takeover-code disclosures
DateWhoRoleSideSharesValueHow
2024-06-18Mrs Sashi ParthasarathyPromoter Groupsell1,000Rs 0.45 CrMarket Sale
2024-06-10Mr Rajiv C. LochanKey Managerial Personnelother1,230Rs 0.00 CrESOP
2024-06-05Sharath VijayaraghavanPromoter Groupsell5,000Rs 2.23 CrMarket Sale
2024-06-05Mrs Sashi ParthasarathyPromoter Groupsell2,200Rs 0.97 CrMarket Sale
2024-06-04Sharath VijayaraghavanPromoter Groupsell1,500Rs 0.64 CrMarket Sale
2024-06-04Mrs Sashi ParthasarathyPromoter Groupsell1,300Rs 0.58 CrMarket Sale
2024-06-03Sharath VijayaraghavanPromoter Groupsell500Rs 0.22 CrMarket Sale
2024-03-07Ms. Shobhana RamachandhranDirectorsell30,027Rs 12.66 CrMarket Sale
2024-02-14Sharath VijayaraghavanPromoter Groupsell6,000Rs 2.23 CrMarket Sale
2024-02-13THIRUVALLUR THATTAI VENKATRAGHAVANPromoter Groupother48,628Off Market
2024-02-13THIRUVALLORE THATTAI NARENDRANPromotersother49,200Off Market
2023-12-28Sharath VijayaraghavanPromoter Groupsell412Rs 0.15 CrMarket Sale
Latest disclosed trades by insiders, promoters and large holders. Grants, option exercises and pledges show as "other". A filing is a fact, not a signal on its own.

Latest quarter

Jun 2026
Revenue ₹2,644 Cr +12.6% vs Jun 2025. Net profit ₹636 Cr +33.9%.

Activity

Compare
CompanyMcap (Cr)P/EROCE
Bajaj Finance Ltd606,28329.610.9 %
Shriram Finance Ltd228,59820.211.5 %
Tata Capital Ltd140,65425.98.58 %
Cholamandalam Investment & Finance Company Ltd139,03124.29.71 %
Muthoot Finance Ltd109,8749.6615.8 %
L&T Finance Ltd67,93521.28.40 %
SBI Cards & Payment Services Ltd55,29024.310.1 %
HDB Financial Services Ltd52,41519.09.09 %
Authum Investment & Infrastructure Ltd46,01122.013.6 %
Mahindra & Mahindra Financial Services Ltd45,03513.58.72 %
Poonawalla Fincorp Ltd39,01149.67.51 %
Manappuram Finance Ltd29,72520.58.25 %
IIFL Finance Ltd25,92912.310.9 %
Capri Global Capital Ltd23,75621.111.7 %
Five-Star Business Finance Ltd14,67913.314.8 %
No bulk or block deals on record.
Ex-dateActionFactor
2026-07-06Dividend - Rs 24 Per Share
2026-02-06Interim Dividend - Rs 16 Per Share
2025-07-09Dividend - Rs 21 Per Share
2025-02-07Interim Dividend - Rs 14 Per Share
2024-07-31Annual General Meeting/Dividend - Rs 16 Per Share
2024-02-16Interim Dividend - Rs 14 Per Share
2023-07-05Annual General Meeting/Dividend - Rs 15 Per Share
2023-02-17Interim Dividend - Rs 12 Per Share
2022-07-08Annual General Meeting/Dividend - Rs 10 Per Share
2022-02-17Interim Dividend - Rs 10 Per Share
2021-08-24 Annual General Meeting/Dividend - Rs 6 Per Share
2021-02-02 Interim Dividend - Rs 12 Per Share
2020-07-02 Annual General Meeting/Dividend - Rs 3 Per Share
2020-02-18 Interim Dividend - Rs 10 Per Share
2019-07-03 Agm/Spl Div- Rs.5/- Div-7.5/-
2019-02-11 Interim Dividend - Rs 5 Per Sh
2018-07-04 Annual General Meeting/Dividend- Rs 7 Per Share
2018-05-10 Interim Dividend Rs 5/- Per Share
2018-02-01 Scheme Of Arrangement
2017-07-04 Annual General Meeting/Dividend - Rs 6.50/- Per Share
2017-03-01 Interim Dividend Rs 5/- Per Share
2016-07-05 Annual General Meeting/ Dividend - Re 1/- Per Share
2016-03-17 Interim Dividend - Rs 5.50/- Per Share
2016-02-09 Interim Dividend Rs 4.50 Per Share
2015-07-07Annual General Meeting / Dividend - Rs 6/- Per Share
2015-02-10Interim Dividend - Rs 4.50/- Per Share
2014-07-07Annual General Meeting / Dividend - Rs 10/- Per Share
2013-07-02Annual General Meeting/Dividend Rs 4.50 Per Share
2013-02-14Interim Dividend Rs 4.50 Per Share (Purpose Revised)
2012-12-13Bonus 1:10.5000
2012-06-28Annual General Meeting/Dividend Rs 8 Per Share
2012-02-01Interim Dividend Rs.7.50 Per Share (Purpose Revised)
2011-06-29Annual General Meeting And Dividend Rs.7/- Per Share
2011-02-02Interim Dividend-Rs.7/- Per Share (Purpose Revised)
2010-06-30Annual General Meeting And Final Dividend Rs.4/- Per Share
2010-02-09Int Div-Rs.6/- Per Share Purpose Revised
2009-07-10Agm/Div-Rs.2.50 Per Share
2009-03-04Interim Dividend - 40% Purpose Revised
2008-08-22Bonus 1:10.5000
2008-07-08Agm/Dividend-50%
2008-05-02Interim Dividend - 100% Purpose Revised
2007-07-09Agm/Final Dividend-20%
2007-03-20Interim Dividend-85% Purpose Revised
2006-07-18Agm/Div Fin-85% + Spl-50%
DateTypeWhat it says
2026-10-01UpdatesExercise of 20 options".
2026-09-30UpdatesExercise of 108 options"..
2026-09-29UpdatesExercise of 50 options".
2026-09-28UpdatesExercise of 204 options".
2026-09-25UpdatesExercise of 167 options"..
2026-09-23UpdatesExercise of 40 options"..
2026-09-22UpdatesExercise of 20 options"..
2026-09-18UpdatesSundaram Finance Limited has informed the Exchange regarding Exercise of 60 options".
2026-09-15UpdatesExercise of 40 options"..
2026-09-11Concall / analyst meetInstitutional investors meet hosted by Ashika Stock Services Limited.
2026-09-11Concall / analyst meetInstitutional investors meet with UTI Pension Fund.
2026-09-11UpdatesExercise of 20 Options"..
2026-09-10Concall / analyst meetInstitutional investors meet with Yes Securities Institutional Equities.
2026-09-10UpdatesExercise of 113 options".
2026-09-08UpdatesSundaram Finance Limited has informed the Exchange regarding Exercise of 30 options"..
2026-09-08Concall / analyst meetPrior Intimation regarding Participation in Institutional Investors Meeting.
2026-09-03UpdatesExercise of 18 options".
2026-09-02UpdatesExercise of 65 options"..
2026-09-02Concall / analyst meetInstitutional investors meet with PhillipCapital (India) Private Limited.
2026-09-01Concall / analyst meetInstitutional investors meet with Max Life Insurance.
2026-08-31UpdatesExercise of 60 options"..
2026-08-28UpdatesExercise of 20 options".
2026-08-25UpdatesExercise of 108 options".
2026-08-24UpdatesExercise of 20 options"..
2026-08-20UpdatesExercise of 20 options"..
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of Sundaram Finance Ltd?

Sundaram Finance Ltd (SUNDARMFIN) has a market capitalisation of Rs 48,161 Cr. at the 2026-10-01 close.

What is the P/E ratio of Sundaram Finance Ltd?

Sundaram Finance Ltd trades at a P/E of 21.2 on trailing twelve-month profit, at the 2026-10-01 close.

What were Sundaram Finance Ltd's latest quarterly results?

In the Jun 2026 quarter, Sundaram Finance Ltd revenue was Rs 2,644 Cr (+12.6% vs Jun 2025) and net profit was Rs 636 Cr.

What is the 52-week high and low of Sundaram Finance Ltd?

The 52-week high is Rs 5,642.00 and the 52-week low is Rs 4,000.00.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03