SUNDARMFIN - SUNDARAM FINANCE LTD Share Price

Finance

₹5185.50-71.10(-1.35%)

Market Closed as of May 2, 2025, 15:30 IST

What does SUNDARAM FINANCE LTD do?

Non Banking Financial Company(NBFC)•Financial Services•Mid Cap

SUNDARAM FINANCE is a Non-Banking Financial Company (NBFC) based in Chennai, India, with the stock ticker SUNDARMFIN. The company has a market capitalization of Rs. 49,282.4 Crores.

Sundaram Finance operates through its subsidiaries and offers a variety of financial products and services. It accepts fixed, cumulative, and NRI deposits, and provides financing for:

New and used cars
New and used commercial vehicles
New and used construction equipment
Diesel finance for commercial vehicle operators
Tire and insurance finance
Farm equipment finance for tractors, harvesters, and farm implements

Additionally, the company offers:

Working capital loans
Enterprise business loans
Machinery term loans
Channel finance
Housing finance
Leasing services

Sundaram Finance also has a diverse range of insurance products, including life insurance (child, pension, whole-life, term, and investment plans) and general insurance (health, home, property, medical, and vehicle coverage). They provide mutual funds and a variety of information technology and business processing support services.

The company is notably involved in investment management services, covering areas such as financial planning, asset allocation, portfolio management, tax management, risk management, and estate management.

Established in 1954, Sundaram Finance has demonstrated strong financial performance, with a trailing 12-month revenue of Rs. 8,420 Crores and a profit of Rs. 1,798.9 Crores over the past four quarters. The company has achieved a remarkable 60.5% revenue growth in the last three years.

SUNDARAM FINANCE actively distributes dividends to its investors, boasting a dividend yield of 0.99% per year, with a return of Rs. 44 dividend per share in the last 12 months.

Industry Group:Finance

Employees:5,059

Website:www.sundaramfinance.in

Pros

Growth: Awesome revenue growth! Revenue grew 26.2% over last year and 60.5% in last three years on TTM basis.

Technicals: Bullish SharesGuru indicator.

Smart Money: Smart money has been increasing their position in the stock.

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Profitability: Very strong Profitability. One year profit margin are 21%.

Size: It is among the top 200 market size companies of india.

Cons

No major cons observed.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Sector Comparison: SUNDARMFIN vs Finance

Comprehensive comparison against sector averages

Comparative Metrics

SUNDARMFIN metrics compared to Finance

Category	SUNDARMFIN	Finance
PE	32.12	29.67
PS	6.86	6.41
Growth	26.2 %	14.4 %

Performance Comparison

SUNDARMFIN vs Finance (2021 - 2025)

Key Insights

1. SUNDARMFIN is among the Top 10 Non Banking Financial Company(NBFC) companies but not in Top 5.
2. The company holds a market share of 3.1% in Non Banking Financial Company(NBFC).
3. In last one year, the company has had an above average growth that other Non Banking Financial Company(NBFC) companies.

Share Holdings

Understand SUNDARAM FINANCE ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

As of 2025-03-31

Shareholder Name	Holding %
NALANDA INDIA EQUITY FUND nLIMITED	3.62%
M/S. INDIA MOTOR PARTS & ACCESSORIES LIMITED	2.61%
M/S. RAGHUVAMSA HOLDINGS PRIVATE LIMITED	1.67%
MR HARSHA VIJI .	1.63%
MR SRIVATS RAM .	1.53%
MRS NIVEDITA RAM .	1.48%
SBI MAGNUM MIDCAP FUND	1.36%
M/S. UTHIRATTADHI SRIRAM HOLDINGS PRIVATE LIMITED	1.33%
M/S. SILVER OAK HOLDINGS PRIVATE LIMITED	1.29%
AXIS MUTUAL FUND TRUSTEE LIMITED (VARIOUS FUNDS)	1.25%
MR ARJUN RANGARAJAN .	1.18%
M/S. ROHINI HOLDINGS PRIVATE LIMITED	1.17%
M/S. PADMALAKSHMI HOLDINGS PRIVATE LIMITED	1.16%
MR S. VIJI .	1.15%
MR SRIRAM VIJI .	1.15%
M/S. ALLEGRO HOLDINGS PRIVATE LIMITED	1.12%
M/S. REVATHI HOLDINGS PRIVATE LIMITED	1.1%
UNITED INDIA INSURANCE COMPANYnLIMITED	1.09%
MRS GITA RAM .	1.03%
MRS VIJAYA RANGARAJAN .	0.98%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Latest News and Updates from SUNDARAM FINANCE

Updated May 2, 2025

Sundaram Finance Holdings Limited has demonstrated robust financial activity, evidenced by significant deposit mobilization and successful term funding. The company effectively maintained its working capital limits, showcasing its financial stability. Furthermore, its long history and core investment strategy indicate a reliable investment avenue in the market.

The Bad News

Source: India Infoline

There were significant maturities, with Rs.629.81 crore in deposits renewed, indicating potential liquidity pressures.

Source: India Infoline

The reliance on commercial paper issuance totaling Rs.8216 crore raises concerns over short-term financing sustainability.

Source: India Infoline

Despite the positive fundraising, the high dependency on bank borrowings could impact financial flexibility.

The Good News

Source: India Infoline

Sundaram Finance Holdings successfully mobilized fresh deposits of Rs.414.35 crore.

Source: India Infoline

The company raised Rs.3878 crore in term funding through banks and other institutions.

Source: India Infoline

Sundaram Finance Holdings maintained its working capital limits with consortium banks at Rs.1800 crore.

This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.

Revenue Breakdown

Analysis of SUNDARAM FINANCE's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Revenue

Last Updated: Dec 31, 2024

Description	Share	Value
Asset Financing	92.4%	2 kCr
Others	7.6%	167.9 Cr
Total		2.2 kCr

Valuation
Market Cap	57.77 kCr
Price/Earnings (Trailing)	32.12
Price/Sales (Trailing)	6.86
EV/EBITDA	8.88
Price/Free Cashflow	-5.4
MarketCap/EBT	25.99

Fundamentals
Revenue (TTM)	8.42 kCr
Rev. Growth (Yr)	20.75%
Rev. Growth (Qtr)	5.32%
Earnings (TTM)	1.8 kCr
Earnings Growth (Yr)	-9.95%
Earnings Growth (Qtr)	4.43%

Profitability
Operating Margin	27.49%
EBT Margin	26.4%
Return on Equity	14.38%
Return on Assets	2.58%
Free Cashflow Yield	-18.51%

Balance Sheet for SUNDARAM FINANCE

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Cash and cash equivalents	-	-	201	-	546	-	128
Derivative financial instruments	-	-	0	-	0	-	3.59
Trade receivables	-	-	91	-	87	-	69
Other receivables	-	-	32	-	18	-	12
Loans	-	-	59,766	-	54,874	-	50,728
Investments	-	-	6,423	-	5,732	-	9,380
Other financial assets	-	-	91	-	62	-	29
Total finanical assets	-100%	0	67,715	0	62,275	0	61,316
Current tax assets (Net)	-	-	283	-	342	-	288
Investment property	-	-	77	-	77	-	94
Property, plant and equipment	-	-	575	-	535	-	472
Goodwill	-	-	472	-	472	-	474
Total non-financial assets	-100.1%	0	1,944	0	2,001	0	1,981
Total assets	-	-	69,659	-	64,276	-	63,297
Equity share capital	-	-	110	-	110	-	110
Non controlling interest	-	-	-	-	-	-	-
Total equity	-	-	12,510	-	11,078	-	13,615
Derivative financial instruments	-	-	16	-	0	-	0
Debt securities	-	-	18,435	-	17,448	-	18,503
Borrowings	-	-	26,551	-	24,390	-	20,626
Deposits	-	-	8,427	-	7,982	-	7,441
Subordinated liabilities	-	-	2,843	-	2,513	-	2,322
Total financial liabilities	-100%	0	57,001	0	53,056	0	49,581
Provisions	-	-	82	-	85	-	65
Total non financial liabilities	-100.7%	0	148	0	142	0	102
Total liabilities	-	-	-	-	-	-	-
Total equity and liabilities	-	-	69,659	-	64,276	-	63,297

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Cash and cash equivalents	-	-	60	-	524	-	90
Derivative financial instruments	-	-	0	-	0	-	0
Trade receivables	-	-	32	-	28	-	17
Other receivables	-	-	32	-	18	-	12
Loans	-	-	45,865	-	42,077	-	38,651
Investments	-	-	6,876	-	6,383	-	5,906
Other financial assets	-	-	25	-	18	-	17
Total finanical assets	-100%	0	53,929	0	49,942	0	45,586
Current tax assets (Net)	-	-	207	-	248	-	200
Investment property	-	-	96	-	99	-	99
Property, plant and equipment	-	-	517	-	475	-	408
Total non-financial assets	-100.1%	0	1,042	0	1,046	0	1,098
Total assets	-	-	54,970	-	50,988	-	46,684
Equity share capital	-	-	111	-	111	-	111
Total equity	-	-	10,587	-	9,472	-	8,219
Derivative financial instruments	-	-	16	-	0	-	0
Debt securities	-	-	13,132	-	13,334	-	14,349
Borrowings	-	-	21,636	-	19,350	-	15,948
Deposits	-	-	6,158	-	5,745	-	5,293
Subordinated liabilities	-	-	2,774	-	2,448	-	2,254
Total financial liabilities	-100%	0	44,258	0	41,431	0	38,404
Provisions	-	-	52	-	48	-	42
Total non financial liabilities	-100.8%	0	126	0	85	0	60
Total liabilities	-	-	-	-	-	-	-
Total equity and liabilities	-	-	54,970	-	50,988	-	46,684

Cash Flow for SUNDARAM FINANCE

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Finance costs	45%	2,576	1,777	1,700
Depreciation	40.9%	132	94	73
Impairment loss / reversal	-	274	0	319
Dividend income	157.5%	346	135	94
Adjustments for interest income	113.5%	159	75	0
Share-based payments	113%	4.28	2.54	2.09
Net Cashflows From Operations	-57.4%	-4,765.47	-3,026.64	3,559
Interest paid	28.3%	2,157	1,682	1,594
Income taxes paid (refund)	10.3%	300	272	173
Net Cashflows From Operating Activities	-45%	-7,222.85	-4,980.99	1,793
Proceeds from sales of PPE	-50%	12	23	13
Purchase of property, plant and equipment	181.2%	46	17	21
Purchase of investment property	-102.6%	0	40	1.25
Purchase of intangible assets	20%	19	16	1.23
Proceeds from sales of long-term assets	47.5%	25,828	17,512	13,701
Purchase of other long-term assets	52%	26,145	17,197	14,767
Dividends received	157.5%	346	135	94
Interest received	77.3%	118	67	0
Other inflows/outflows of cash	-	0	0	-147.63
Net Cashflows From Investing Activities	-47.4%	246	467	-1,130.24
Proceeds from borrowings	63%	35,595	21,839	14,493
Repayments of borrowings	64%	27,891	17,005	14,987
Payments of finance lease liabilities	-	0	0	15
Payments of lease liabilities	20%	19	16	0
Dividends paid	32.1%	322	244	178
Net Cashflows From Financing Activities	61%	7,363	4,573	-686.71
Net change in cash and cash eq.	565.5%	387	59	-24.37
Cash Equivalents at beginning of period	76.6%	137	78	102

Consolidated figures (in Rs. Crores) / View Standalone Data

Finance costs	42.1%
Depreciation	31.9%
Impairment loss / reversal	-
Dividend income	21.4%
Adjustments for interest income	72.3%
Share-based payments	98.7%
Net Cashflows From Operations	6.2%
Interest paid	26.2%
Income taxes paid (refund)	3.8%
Net Cashflows From Operating Activities	-3.3%
Proceeds from sales of PPE	-47.8%
Purchase of property, plant and equipment	241.7%
Purchase of investment property	-101.8%
Purchase of intangible assets	-
Proceeds from sales of long-term assets	89.1%
Purchase of other long-term assets	95.7%
Dividends received	-86.1%
Interest received	49.5%
Other inflows/outflows of cash	-
Net Cashflows From Investing Activities	-86.8%
Proceeds from borrowings	72.7%
Repayments of borrowings	82.3%
Payments of finance lease liabilities	-
Payments of lease liabilities	48.4%
Dividends paid	7.4%
Net Cashflows From Financing Activities	48.6%
Net change in cash and cash eq.	121.5%
Cash Equivalents at beginning of period	135.8%

Investor Care
Dividend Yield	0.85%
Dividend/Share (TTM)	44
Shares Dilution (1Y)	0.00%
Diluted EPS (TTM)	144.67

Financial Health
Debt/Equity	0.00
Debt/Cashflow	0.00

Income Statement for SUNDARAM FINANCE

Consolidated figures (in Rs. Crores) / View Standalone Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2024	Mar-2022	Mar-2020
Total income	-	7,286	5,146	4,723
Revenue From Operations	-	7,267	5,108	4,695
Total interest earned	-	5,852	4,314	3,934
Dividend income	-	18	17	23
Rental income	-	143	69	58
Fees and commission income	-	281	205	212
Revenue from sale of services	-	0	0	358
Other revenue from operations	-	564	393	20
Other income	-	18	37	27
Total Expenses	-	5,233	3,729	3,723
Employee Expense	-	832	619	502
Finance costs	-	3,418	2,236	2,427
Depreciation and Amortization	-	183	101	90
Fees and commission expenses	-	95	76	126
Impairment on financial instruments	-	298	410	330
Other expenses	-	407	288	248
Profit Before exceptional items and Tax	-	2,053	1,417	1,000
Exceptional items before tax	-	-91.72	0	0
Total profit before tax	-	1,961	1,417	1,000
Current tax	-	542	381	302
Deferred tax	-	-3.79	-31.17	-91.76
Tax expense	-	539	350	210
Total profit (loss) for period	-	1,842	-	-
Other comp. income net of taxes	-	1,368	284	-444.6
Total Comprehensive Income	-	3,211	1,580	401
Earnings Per Share, Basic	-	130.31	106.48	71.85
Earnings Per Share, Diluted	-	130.31	106.48	71.85
Debt equity ratio	-	0.05	-	-

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Total income	5.3%	2,207	2,096	1,960	2,157	1,828	1,711
Revenue From Operations	5%	2,190	2,085	1,952	2,156	1,821	1,708
Total interest earned	7.1%	1,857	1,734	1,638	1,582	1,534	1,428
Dividend income	-112%	0	9.35	17	17	0	0.75
Rental income	-5.6%	52	55	45	40	37	34
Fees and commission income	3.4%	91	88	72	79	68	72
Other revenue from operations	0%	138	138	123	175	134	126
Other income	60%	17	11	8.05	1.38	6.68	2.44
Total Expenses	4.5%	1,607	1,538	1,435	1,525	1,308	1,240
Employee Expense	6.5%	246	231	229	221	215	199
Finance costs	3.5%	1,087	1,050	985	948	910	820
Depreciation and Amortization	9.6%	58	53	48	53	48	44
Fees and commission expenses	-4.5%	22	23	25	34	22	20
Impairment on financial instruments	12.4%	101	90	66	150	17	54
Other expenses	1.1%	93	92	81	119	97	103
Profit Before exceptional items and Tax	7.9%	601	557	525	632	520	471
Exceptional items before tax	-	0	0	0	-91.72	0	0
Total profit before tax	7.9%	601	557	525	541	520	471
Current tax	32.4%	144	109	133	158	113	150
Deferred tax	-88.5%	5.7	42	-10.16	-5.67	9.1	-6.98
Tax expense	-0.7%	150	151	122	152	122	143
Total profit (loss) for period	4.4%	455	436	435	472	506	435
Other comp. income net of taxes	-143.2%	-210.18	490	244	696	357	173
Total Comprehensive Income	-73.6%	245	926	679	1,168	863	608
Earnings Per Share, Basic	4.6%	41.33	39.57	39.46	24.31	38.79	33.16
Earnings Per Share, Diluted	4.6%	41.33	39.57	39.46	24.31	38.79	33.16
Debt equity ratio	0%	0.05	0.05	0.05	0.05	0.05	0.05

Standalone figures (in Rs. Crores) / View Consolidated Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2020
Total income	33.7%	5,494	4,110	3,890	3,927
Revenue From Operations	35.5%	5,480	4,046	3,870	3,842
Total interest earned	30.3%	4,525	3,472	3,394	3,406
Dividend income	157.5%	346	135	94	49
Rental income	56%	143	92	69	59
Fees and commission income	16.3%	279	240	196	215
Revenue from sale of services	-	0	0	0	26
Other revenue from operations	43.8%	70	49	39	20
Other income	-79.4%	14	64	20	85
Total Expenses	41.2%	3,798	2,690	2,714	2,982
Employee Expense	23.4%	549	445	414	359
Finance costs	45%	2,576	1,777	1,700	2,072
Depreciation and Amortization	40.9%	132	94	73	73
Impairment on financial instruments	105.3%	274	134	319	286
Other expenses	11.7%	268	240	208	192
Profit Before exceptional items and Tax	19.5%	1,697	1,420	1,177	945
Exceptional items before tax	-	134	0	0	0
Total profit before tax	29%	1,831	1,420	1,177	945
Current tax	26.1%	402	319	297	258
Deferred tax	-338.7%	-25.26	12	-23.25	-37.25
Tax expense	13.6%	377	332	273	221
Total profit (loss) for period	33.7%	1,454	1,088	-	-
Other comp. income net of taxes	17681.1%	597	-2.39	-14.26	63
Total Comprehensive Income	88.9%	2,051	1,086	889	787
Earnings Per Share, Basic	34%	130.87	97.95	81.31	65.16
Earnings Per Share, Diluted	34%	130.87	97.95	81.31	65.16
Debt equity ratio	0%	0.04	0.04	-	-

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Total income	3.2%	1,664	1,612	1,476	1,570	1,352	1,378
Revenue From Operations	2.9%	1,648	1,601	1,468	1,572	1,346	1,375
Total interest earned	7.7%	1,478	1,373	1,287	1,241	1,195	1,098
Dividend income	-104.2%	0	25	18	165	0	130
Rental income	-5.6%	52	55	45	40	37	34
Fees and commission income	3.4%	91	88	71	78	69	71
Other revenue from operations	-31.2%	12	17	11	19	14	14
Other income	50%	16	11	8.46	-1.23	5.94	2.98
Total Expenses	4.3%	1,196	1,147	1,074	1,105	962	902
Employee Expense	8.3%	170	157	157	142	143	132
Finance costs	3%	835	811	757	724	694	612
Depreciation and Amortization	10.3%	44	40	36	39	35	31
Impairment on financial instruments	16.9%	91	78	73	138	21	51
Other expenses	-8.3%	56	61	51	62	69	75
Profit Before exceptional items and Tax	0.4%	467	465	402	466	390	476
Exceptional items before tax	-	0	0	0	134	0	0
Total profit before tax	0.4%	467	465	402	600	390	476
Current tax	40.2%	116	83	105	103	87	122
Deferred tax	-97.2%	2.15	42	-10.24	-9.46	2.36	-12.41
Tax expense	-5.6%	118	125	95	93	90	109
Total profit (loss) for period	2.7%	349	340	308	506	300	366
Other comp. income net of taxes	-148.4%	-195.98	408	234	598	0.22	-0.68
Total Comprehensive Income	-79.7%	153	748	542	1,105	300	366
Earnings Per Share, Basic	2.7%	31.42	30.61	27.69	45.57	27.01	32.97
Earnings Per Share, Diluted	2.7%	31.42	30.61	27.69	45.57	27.01	32.97
Debt equity ratio	0%	0.04	0.04	0.04	0.04	0.05	0.05

Price to Sales Ratio

Latest reported: ₹7

Revenue (Last 12 mths)

Latest reported: ₹8 kCr

Net Income (Last 12 mths)

Latest reported: ₹2 kCr

Is SUNDARAM FINANCE Better than it's peers?

Detailed comparison of SUNDARAM FINANCE against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
BAJFINANCE	Bajaj FinanceNon Banking Financial Company(NBFC)	5.51 LCr	66.19 kCr	+2.23%	+28.76%	32.82	7.9	+26.82%	+16.11%
CHOLAFIN	Cholamandalam Investment and Finance Co.Non Banking Financial Company(NBFC)	1.25 LCr	24.52 kCr	+1.56%	+14.02%	29.28	4.77	+34.67%	+24.64%
LTF	L&T FinanceInvestment Company	41.39 kCr	15.59 kCr	+9.33%	-2.26%	15.66	2.6	+12.92%	+14.08%
M&MFIN	Mahindra & Mahindra Financial ServicesNon Banking Financial Company(NBFC)	32.31 kCr	17.97 kCr	-2.66%	-1.21%	14.29	1.74	+16.03%	+16.36%

SUNDARMFIN - SUNDARAM FINANCE LTD Share Price

What does SUNDARAM FINANCE LTD do?

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

The Bad News

The Good News

Valuation

Fundamentals

Profitability

Investor Care

Financial Health

Updates from SUNDARAM FINANCE

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)