Overview

Detailed Summary

Sundaram Finance Limited, established in 1954, is a Non-Banking Finance Company primarily involved in financing commercial vehicles, cars, and construction equipment, along with diversified financial services through subsidiaries.
The company has a strategic presence in multiple financial sectors, including Mutual Funds, Housing Finance, General Insurance, and IT, showcasing diversification in services and collaborative ventures.
Sundaram Finance has undergone several mergers and acquisitions, signifying an ongoing strategy to expand its business portfolio and reinforce its market position.
The acquisition of a majority stake in Royal Sundaram General Insurance and full ownership in various subsidiaries underscores Sundaram Finance's emphasis on consolidating operations within its core and allied sectors.
Throughout its history, Sundaram Finance has regularly adjusted its capital structure and ownership paths, reflecting a dynamic approach to leverage organizational growth and market opportunities.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 54,819 Cr
Volatility: Moderate Risk
P/E Ratio: 24.6
Industry P/E: 18.9
PEG Ratio: 3.2
P/B Ratio: 3.6
52W High: 5,640.00
52W Low: 4,200.00

Sales CAGR

1Y: 17.04%
3Y: 18.99%
5Y: 11.16%
10Y: 12.21%

Profit CAGR

1Y: 27.44%
3Y: 19.53%
5Y: 16.34%
10Y: 13.92%

ROE

TTM: 13.03%
3Y: 12.58%
5Y: 12.15%
10Y: 11.90%

ROCE

TTM: 8.79%
3Y: 9.24%
5Y: 9.09%
10Y: 9.85%

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Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
LTF		240.45	69,643 Cr	21.48	2.64	0.99	10.24	8.04	2.21
SBICARD		671.20	64,476 Cr	30.55	4.36	0.37	12.97	8.88	2.99
SUNDARMFIN		4591.40	54,819 Cr	24.59	3.62	0.71	13.03	8.79	2.41
HDBFS		587.95	51,916 Cr	21.51	2.83	0.46	13.75	8.99	2.00
M&MFIN		286.75	42,005 Cr	16.54	1.70	1.91	9.96	8.32	1.59
PIRAMALFIN		1765.40	39,700 Cr	-1918.91	1.45	0.00	2.91	6.46	1.07
AIIL		419.80	37,451 Cr	9.81	2.30	0.03	24.66	18.84	18.10
Median: 7 Co.	—	587.95	51,916 Cr	21.48	2.64	0.46	12.97	8.79	2.21

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	1,708	1,821	2,156	1,952	2,085	2,190	2,259	2,349	2,386	2,514
Expenses	375	351	524	402	436	462	368	559	515	509
Interest	821	910	948	985	1,050	1,087	1,104	1,163	1,176	1,209
Financing Profit	512	561	684	565	599	642	787	627	695	796
Financing Margin %	29.96	30.80	31.72	28.94	28.75	29.29	34.83	26.69	29.14	31.66
Other Income	2.44	6.68	-90	8.05	11	17	41	4.17	15	-51
Depreciation	44	48	53	48	53	58	63	56	60	63
Profit Before Tax	471	520	541	525	557	601	765	575	650	682
Tax %	30.34	23.44	28.11	23.33	27.16	24.90	27.62	28.42	24.47	23.49
Net Profit	328	398	389	402	406	451	554	412	491	522
EPS in Rs	33.16	38.79	24.31	39.46	39.57	41.33	50.17	43.12	44.29	49.12
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	5,555	6,290	3,693	4,695	5,248	5,108	5,476	7,267	8,486	8,883
Expenses	2,735	3,906	932	1,206	1,235	1,392	1,285	1,632	1,667	1,824
Interest	1,735	1,344	1,770	2,427	2,659	2,236	2,410	3,418	4,226	4,404
Financing Profit	1,084	1,039	991	1,062	1,353	1,481	1,782	2,217	2,593	2,655
Financing Margin %	19.52	16.52	26.83	22.62	25.79	28.98	32.53	30.51	30.55	29.89
Other Income	42	54	19	27	69	37	68	18	77	73
Depreciation	104	79	58	90	93	101	139	183	223	230
Profit Before Tax	1,022	1,014	952	1,000	1,330	1,417	1,711	2,053	2,447	2,498
Tax %	33.76	34.30	40.76	21.06	24.63	24.71	25.09	26.24	25.93	27.05
Net Profit	677	666	1,030	789	1,002	1,067	1,282	1,422	1,813	1,822
EPS in Rs	—	—	107.33	71.85	105.74	106.49	119.58	130.31	170.53	186.70
Dividend Payout %	18.69	18.11	16.60	18.09	17.02	18.78	22.41	23.02	20.52	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	111	111	110	110	110	110	110	110	110	110
Reserves	4,084	4,698	5,539	6,149	6,567	7,620	8,685	9,810	10,968	13,087
Borrowings	11,417	15,039	21,069	25,023	35,939	36,461	36,356	42,694	52,334	61,084
Other Liabilities	12,436	10,902	7,268	2,388	2,105	2,369	3,003	3,462	864	1,056
Total Liabilities	28,048	30,749	33,986	33,671	44,721	46,560	48,154	56,076	64,276	75,337
Fixed Assets	817	813	773	394	847	815	1,070	1,201	1,312	1,394
CWIP	4.06	2.81	3.19	0.00	0.02	0.00	0.00	0.60	5.26	1.25
Investments	0.00	0.00	8,693	4,539	5,096	6,057	8,088	8,082	5,732	6,481
Other Assets	27,227	29,934	24,517	28,737	38,779	39,688	38,996	46,792	57,227	67,460
Total Assets	28,048	30,749	33,986	33,671	44,721	46,560	48,154	56,076	64,276	75,337

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	310	-965	-5,547	-4,200	8.78	450	1,781	-6,504	-8,486	-8,985
Cash from Investing Activity	-83	-554	-1,182	1,000	-1,983	-243	-1,597	669	89	931
Cash from Financing Activity	-261	1,394	6,756	3,212	1,862	-122	-200	5,890	8,754	7,821
Net Cash Flow	-33	-124	27	12	-111	85	-16	54	357	-233

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	38.81%	38.80%	38.80%	38.18%	38.18%	38.17%	37.53%	37.52%	37.52%	37.52%	37.52%	37.51%
FIIs	7.85%	7.85%	8.42%	8.38%	13.46%	17.45%	18.57%	18.76%	19.15%	18.96%	19.22%	19.29%
DIIs	17.01%	17.08%	16.69%	16.98%	12.49%	8.96%	8.08%	7.92%	7.60%	7.88%	7.43%	7.48%
Public	36.34%	36.27%	36.09%	36.46%	35.87%	35.43%	35.82%	35.80%	35.72%	35.63%	35.83%	35.72%
Total Shareholders	23,652	35,741	41,738	42,597	42,288	43,762	44,168	45,966	46,076	49,279	55,894	55,416

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Documents

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Investor Presentation

Q4 FY24

Investor Presentation

Q4 FY23

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