Skip to content
Sundaram Finance logo

Sundaram Finance

SUNDARMFIN NSE
₹4,002.30 No trade today
P/E
20.03
View as Markdown
MCP
Close 4 Nov 2026 ₹4,002.30 −856.10 −17.6% 1Y
Start ₹4,858.40

Key Fundamentals

MidcapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
4.68
EPS (TTM)
₹199.81
Book Value
₹1,340.60
Market Cap
—
P/E (TTM)
20.03
P/B
2.99
ROE
15.00%
Dividend Yield
0.99%
52W High
₹5,642.00
52W Low
₹3,816.00
Volume
0
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

Sundaram Finance peer comparison
Bajaj Finance
₹994.0028.53₹6,11,015 Cr5.020.62%18.20%—₹90,331 Cr₹22,067 Cr
Shriram Finance
₹908.7515.19₹2,13,704 Cr1.920.73%16.40%—₹51,877 Cr₹12,688 Cr
Cholamandalam Investment
₹1,658.0024.45₹1,42,243 Cr4.100.12%19.40%—₹32,663 Cr₹5,751 Cr
Tata Capital
₹337.7526.24₹1,41,036 Cr2.930.17%12.40%—₹32,695 Cr₹5,478 Cr
Muthoot Finance
₹2,709.809.57₹1,04,354 Cr2.481.19%30.90%—₹33,431 Cr₹11,457 Cr
L&T Finance
₹263.7020.75₹63,912 Cr2.261.09%11.20%—₹18,898 Cr₹3,198 Cr
SBI Cards
₹553.0023.14₹52,160 Cr3.060.47%14.70%—₹20,063 Cr₹2,275 Cr
Sundaram Finance (this company)
₹4,002.3020.03₹45,814 Cr2.990.99%15.00%—₹10,104 Cr₹2,219 Cr
Median 8 companies₹951.3821.95₹1,22,695 Cr2.960.68%15.70%—₹32,679 Cr₹5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

43 Weak

Data confidence 94/100

Category scores

Quality
37
Poor
Returns, margins, earnings quality 22% weight
Valuation
61
Good
Cheap vs sector & own history 24% weight
Growth
50
Average
Sales & profit trajectory 9% weight
Financial Health
32
Poor
Solvency, leverage, coverage 9% weight
Momentum
14
Poor
Trend strength, vol-adjusted 12% weight
Ownership
51
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

1
  • Company has been maintaining a healthy dividend payout of 21.6%

Weaknesses

2
  • Stock is trading at 3.08 times its book value
  • Company has low interest coverage ratio.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1063
OscillatorsBullish162
Moving AveragesStrong Bearish901

Key readings

RSI (14)
38.10
Neutral
MACD (12,26,9)
−119.74
Bullish
SMA (50)
4,379.54
Bearish
SMA (200)
4,673.04
Bearish

As of

Analyst Rating

Based on 10 analysts
TIED50%

5 of 10 analysts rate Buy, 5 Hold, 0 Sell.

As of

BUY
5
50%
HOLD
5
50%
SELL
0
0%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+6.96%
5Y+13.24%
3Y+21.44%
1Y+15.73%
TTM+13.75%

Net profit

Net profit growth by window
10Y+12.02%
5Y+10.98%
3Y+10.89%
1Y+9.58%
TTM+15.63%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹5,588 Cr
Mar 2018₹6,331 Cr
Mar 2019₹3,696 Cr
Mar 2020₹4,707 Cr
Mar 2021₹5,292 Cr
Mar 2022₹5,111 Cr
Mar 2023₹5,501 Cr
Mar 2024₹7,274 Cr
Mar 2025₹8,513 Cr
Mar 2026₹9,852 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹768 Cr
Mar 2018₹843 Cr
Mar 2019₹1,258 Cr
Mar 2020₹845 Cr
Mar 2021₹1,223 Cr
Mar 2022₹1,296 Cr
Mar 2023₹1,510 Cr
Mar 2024₹1,842 Cr
Mar 2025₹1,879 Cr
Mar 2026₹2,059 Cr

Analyst Forecasts

Forecast For
Sep 26 consensus · EPS
₹41.50 −28.1% vs Jun 26
Reported High Mean Low

AI Analysis — Bull vs Bear

Figures as of 2 Nov 2026
AI opinion · based on fundamentals
Risk medium

Sundaram Finance Ltd trades at ₹3,973.70 with a market cap of ₹43,724 crore as of 2026-11-02, reflecting a P/E of 19.89x and P/B of 2.96x. The company has delivered 17% compounded profit growth over three years and maintained a consistent 15% ROE across multiple timeframes, though the stock is down 7% over the past year and trades roughly 30% below its 52-week high of ₹5,642.

Bull Case 6
  • Consistent profitability growth: compounded profit growth stands at 19% TTM, 17% over 3 years, and 14% over 10 years, showing an accelerating earnings trajectory.
  • Revenue growth has picked up meaningfully, with 3-year compounded sales growth of 21% versus a 10-year average of 7%, indicating a structural improvement in business scale.
  • Remarkably stable return on equity of 15% across 3-year, 5-year, and 10-year periods, demonstrating disciplined capital allocation through cycles.
  • Healthy dividend payout of 21.6% with a current dividend yield of 1.01%, providing a tangible return to shareholders alongside capital appreciation.
  • Long-term wealth creation track record with stock CAGR of 13% over 10 years and 11% over 5 years, comfortably ahead of broad inflation benchmarks.
  • TTM EPS of ₹199.81 underpins a P/E of 19.89x, which is moderate for a financial services franchise with 15% sustained ROE and accelerating profit growth.
Bear Case 5
  • Low interest coverage ratio indicates vulnerability to rising funding costs or asset quality deterioration, a material risk for a lending institution.
  • The stock has delivered a negative 1-year CAGR of -7%, underperforming broader indices and signalling weakening near-term market sentiment.
  • ROCE of 9.65% is notably lower than ROE of 13.46%, suggesting the company's overall capital efficiency including debt is less impressive than equity returns alone.
  • 10-year compounded sales growth of just 7% indicates historically slow top-line expansion, and the recent 21% three-year acceleration may not be sustainable long-term.
  • A dividend yield of 1.01% is modest in absolute terms and may not adequately compensate investors during periods of stock price decline like the current -7% one-year return.

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

9h ago

TL;DR: Sundaram Finance delivered steady Q2 results with 6% net profit growth to ₹5.2 billion and maintains top-tier AAA credit ratings on a ₹6,088 crore deposit base. Key risks include the chairman's departure and rising funding costs from the RBI rate hike squeezing margins. The proactive deposit rate hike signals confidence in deposit mobilization but will pressure spreads. The trend is stable with modest growth, though margin compression from higher rates bears watching.

Headwinds 2
  • Chairman steps down Nov 04

    Chairman S. Viji stepped down from his position at Sundaram Finance during Q2, introducing a leadership transition risk.

  • Rising funding costs Oct 15

    RBI hiked repo rate by 25 bps to 5.50% on Oct 7, increasing borrowing costs for NBFCs. Sundaram Finance raised deposit rates by up to 30 bps, which will compress net interest margins.

Positives 3
  • Q2 net profit up 6% Nov 04

    Sundaram Finance reported Q2 consolidated net profit of ₹5.2 billion, up 6% from ₹4.9 billion in the year-ago quarter.

  • Deposit rates hiked competitively Oct 15

    Deposit rates raised by 20-30 bps effective Oct 16, with senior citizen 3-year rate reaching 8% p.a., aimed at strengthening a ₹6,088 crore deposit base.

  • AAA credit ratings maintained Oct 15

    Sundaram Finance holds AAA ratings with stable outlook from both ICRA and CRISIL, indicating the highest degree of safety for deposits.

Neutral 1
  • Deposit rate revision details Oct 15

    Regular depositor rates revised to 7% (1-year), 7.25% (2-year), and 7.50% (3-year). Senior citizen rates set at 7.50%, 7.75%, and 8% respectively.

Quarterly Results

₹ Cr
SUNDARMFIN quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
1,582
1,708
1,821
2,156
1,952
2,085
2,190
2,259
2,349
2,386
2,514
2,560
2,644
Expenses
382
375
351
524
402
436
462
368
559
515
509
544
580
Financing Profit
461
512
561
684
565
599
642
787
627
695
796
820
818
Fin. Margin %
29%
30%
31%
32%
29%
29%
29%
35%
27%
29%
32%
32%
31%
Other Income
8
2
7
−90
8
11
17
41
4
15
−51
20
9
Interest
738
820
910
948
985
1,050
1,087
1,104
1,163
1,176
1,209
1,197
1,247
Depreciation
39
44
48
53
48
53
58
63
56
60
63
67
60
PBT
430
471
520
541
525
557
601
765
575
650
682
773
767
Tax %
28%
30%
23%
28%
23%
27%
25%
28%
28%
24%
23%
25%
26%
Net Profit
429
435
506
472
435
436
455
553
475
488
541
554
636
EPS (₹)
33.77
32.89
38.47
24.11
39.14
39.26
41
49.77
42.77
43.94
48.73
49.88
57.26

Profit & Loss

₹ Cr
SUNDARMFIN profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
4,285
5,027
5,588
6,331
3,696
4,707
5,292
5,111
5,501
7,274
8,513
9,852
10,104
Expenses
1,505
2,221
2,735
3,906
932
1,222
1,235
1,392
1,285
1,632
1,667
2,126
2,147
Financing Profit
999
992
1,118
1,080
994
1,057
1,398
1,483
1,806
2,224
2,620
2,980
3,128
Fin. Margin %
23%
20%
20%
17%
27%
22%
26%
29%
33%
31%
31%
30%
31%
Other Income
−27
7
8
13
482
48
24
35
43
−80
50
−54
−6
Interest
1,782
1,814
1,735
1,344
1,770
2,427
2,659
2,236
2,410
3,418
4,226
4,745
4,829
Depreciation
112
106
104
79
58
90
93
101
139
183
223
246
249
PBT
860
893
1,022
1,014
1,418
1,016
1,330
1,417
1,711
1,961
2,447
2,681
2,872
Tax %
33%
34%
34%
34%
27%
21%
25%
25%
25%
27%
26%
25%
—
Net Profit
644
662
768
843
1,258
845
1,223
1,296
1,510
1,842
1,879
2,059
2,220
EPS (₹)
51.83
52.49
61.52
65.7
104
71.25
105
106
120
129
169
185
200
Div. Payout %
20%
21%
19%
18%
17%
18%
17%
19%
22%
23%
21%
21%
—

Balance Sheet

₹ Cr
SUNDARMFIN balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
111
111
111
110
110
110
110
110
110
110
110
110
Reserves
3,639
4,084
4,698
5,539
6,149
6,567
7,620
8,685
9,810
10,968
13,087
14,783
Borrowing
18,795
18,758
20,216
21,069
25,023
35,939
36,461
36,356
42,694
52,334
61,084
69,636
Other Liabilities
3,241
5,095
5,724
7,268
2,388
2,105
2,369
3,003
3,462
864
1,056
1,265
Total Liabilities
25,785
28,048
30,749
33,986
33,671
44,721
46,560
48,154
56,076
64,276
75,337
85,795
Fixed Assets
515
817
862
821
451
903
865
1,117
1,296
1,389
1,450
1,457
CWIP
2
4
3
3
0
0
0
0
1
5
1
5
Investments
2,731
4,026
4,815
8,693
4,539
5,096
6,057
8,088
8,082
5,732
6,481
9,029
Other Assets
22,537
23,201
25,070
24,469
28,680
38,722
39,638
38,950
46,697
57,150
67,405
75,305
Total Assets
25,785
28,048
30,749
33,986
33,671
44,721
46,560
48,154
56,076
64,276
75,337
85,795

Cash Flow

₹ Cr
SUNDARMFIN cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−1,430
310
−965
−5,547
−4,200
9
450
1,781
−6,504
−8,488
−8,985
−5,892
Investing
446
−83
−554
−1,182
1,000
−1,983
−243
−1,597
669
89
931
−1,371
Financing
757
−261
1,394
6,756
3,212
1,862
−122
−200
5,890
8,754
7,821
7,478
Net Cash Flow
−227
−33
−124
27
12
−111
85
−16
54
356
−233
215
Free Cash Flow
−1,460
261
−1,014
−5,578
−4,231
−34
453
1,517
−6,506
−8,558
−8,999
−5,921

Ratios

SUNDARMFIN financial ratios, annual
Particulars 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%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Sundaram Finance insights

66 extracted metrics across FY06–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 37.19%
  • Public 26.22%
  • FIIs 17.99%
  • Others 9.71%
  • DIIs 8.88%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: FIIs and Others. Not available separately for this quarter: the holding is recorded inside Others, so both are left blank rather than shown at a wrong split.

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

  • Q1 FY27 concall · Aug 2026
    PPT
  • Concall · May 2026
    PPT
  • Concall · Feb 2026
    PPT
  • Concall · Nov 2025
    PPT
  • Q1 FY26 concall · Aug 2025
    PPT

Frequently Asked Questions about Sundaram Finance

What does Sundaram Finance Ltd do?
Sundaram Finance is a registered deposit taking NBFC established in 1954. The Co. is engaged in retail finance across multiple domains like Vehicle finance, Home Finance, Mutual Funds, General insurance and Financial service distribution
Where is Sundaram Finance Ltd (SUNDARMFIN) listed?
Sundaram Finance Ltd trades as SUNDARMFIN on the NSE and under code 590071 on the BSE.
Which sector does Sundaram Finance Ltd belong to?
Sundaram Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of Sundaram Finance Ltd?
Sundaram Finance Ltd trades at a PE ratio of 20.03 as of 4 Nov 2026, on earnings per share of ₹199.81, against a book value of ₹1,340.6 per share.
What is the 52-week high and low of Sundaram Finance Ltd?
Over the last 52 weeks Sundaram Finance Ltd has traded between ₹3,816 and ₹5,642 as of 4 Nov 2026.
Does Sundaram Finance Ltd pay dividends?
Sundaram Finance Ltd has a dividend yield of 0.99%.
What is the Return on Equity (ROE) of Sundaram Finance Ltd?
Sundaram Finance Ltd reported a return on equity of 15.00%. Its debt-to-equity ratio is 4.68.

Company Information

Sundaram Finance is a registered deposit taking NBFC established in 1954. The Co. is engaged in retail finance across multiple domains like Vehicle finance, Home Finance, Mutual Funds, General insurance and Financial service distribution

Website sundaramfinance.in
CEO Mr. Rajiv Chellappa Lochan
Employees 5,132
Listed 7 Jan 1998
Face Value ₹10

For AI agents and developers

Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/SUNDARMFIN.md for Sundaram Finance Ltd: dated key facts, then this page's sections in order: latest price, key fundamentals, peer comparison, the Tapetide Score, technical indicators, analyst ratings, growth rates, analyst forecasts, the AI analysis and news digest (labelled as AI-generated), financial statements, shareholding pattern, documents and the FAQ.

Append .md to any Tapetide URL for the same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live, structured queries instead of documents, use our Indian stock market MCP server.

Explore More

More NBFC & Finance stocks → FII DII DataStock ScreenerNifty 50 HeatmapF&O Ban ListFII and DII flows, month by monthHow Tapetide Scores changed, month by monthStocks mutual funds are buying, month by month