SUNDARMFIN - SUNDARAM FINANCE LTD Share Price

Finance

Sharesguru Stock Score

SUNDARMFIN

52/100

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years

₹4524.70-50.20(-1.10%)

Market Closed as of Jul 13, 2026, 15:30 IST

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Pros

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

Past Returns: Outperforming stock! In past three years, the stock has provided 21% return compared to 7.8% by NIFTY 50.

Growth: Good revenue growth. With 78.1% growth over past three years, the company is going strong.

Momentum: Stock price has a strong positive momentum. Stock is up 4.9% in last 30 days.

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

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

Size: Market Cap wise it is among the top 20% companies of india.

Cons

No major cons observed.

Valuation
Market Cap	49.72 kCr
Price/Earnings (Trailing)	23.96
Price/Sales (Trailing)	5.04
EV/EBITDA	6.41
Price/Free Cashflow	-8.36
MarketCap/EBT	18.55
Enterprise Value	49.2 kCr

Fundamentals
Revenue (TTM)	9.87 kCr
Rev. Growth (Yr)	12.6%
Earnings (TTM)	2.06 kCr
Earnings Growth (Yr)	0.20%

Profitability
Operating Margin	28%
EBT Margin	27%
Return on Equity	13.82%
Return on Assets	2.4%
Free Cashflow Yield	-11.96%

Growth & Returns
Price Change 1W	2.8%
Price Change 1M	4.9%
Price Change 6M	-10.7%
Price Change 1Y	-6.1%
3Y Cumulative Return	21%
5Y Cumulative Return	11.5%
7Y Cumulative Return	16%
10Y Cumulative Return	14.4%

Cash Flow & Liquidity
Cash Flow from Investing (TTM)	-1.37 kCr
Cash Flow from Operations (TTM)	-5.89 kCr
Cash Flow from Financing (TTM)	7.48 kCr
Cash & Equivalents	525.62 Cr
Free Cash Flow (TTM)	-5.95 kCr
Free Cash Flow/Share (TTM)	-535.28

Balance Sheet
Total Assets	85.8 kCr
Total Liabilities	70.9 kCr
Shareholder Equity	14.89 kCr
Net PPE	623.76 Cr
Inventory	0.00
Goodwill	472.48 Cr

Capital Structure & Leverage
Debt Ratio	0.00
Debt/Equity	0.00
Interest Coverage	-0.44
Interest/Cashflow Ops	-0.24

Dividend & Shareholder Returns
Dividend/Share (TTM)	40
Dividend Yield	0.89%
Shares Dilution (1Y)	0.00%
Shares Dilution (3Y)	0.00%

Shareholder Name	Holding %
NALANDA INDIA EQUITY FUND LIMITED	3.62%
INDIA MOTOR PARTS AND ACCESSORIES LIMITED	2.61%
RAGHUVAMSA HOLDINGS PRIVATE LIMITED	1.67%
MR HARSHA VIJI	1.63%
MR SRIVATS RAM	1.53%
MRS NIVEDITA RAM	1.48%
UTHIRATTADHI SRIRAM HOLDINGS PRIVATE LIMITED	1.33%
SILVER OAK HOLDINGS PRIVATE LIMITED	1.29%
SBI MAGNUM MIDCAP FUND	1.23%
MR ARJUN RANGARAJAN	1.18%
ROHINI HOLDINGS PRIVATE LIMITED	1.17%
PADMALAKSHMI HOLDINGS PRIVATE LIMITED	1.16%
MR S VIJI	1.15%
MR SRIRAM VIJI	1.15%
ALLEGRO HOLDINGS PRIVATE LIMITED	1.12%
REVATHI HOLDINGS PRIVATE LIMITED	1.1%
NIPPON LIFE INDIA TRUSTEE LTD VARIOUS FUNDS	1.06%
UNITED INDIA INSURANCE COMPANY LIMITED	1.05%
MRS GITA RAM	1.03%
MR SUMANTH RAMANUJAM	1.01%

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
BAJFINANCE	Bajaj Finance	5.98 LCr	82.53 kCr	+5.20%	+8.10%	31.42	7.25	-	-
CHOLAFIN	Cholamandalam Investment and Finance Co.	1.44 LCr	31.54 kCr	+12.70%	+12.20%	27.34	4.57	-	-
LTF	L&T Finance	74.27 kCr	17.95 kCr	+6.20%	+48.20%	24.88	4.14	-	-
M&MFIN	Mahindra & Mahindra Financial Services	40.88 kCr	21.09 kCr	+0.70%	+15.60%	14.14	1.94	-	-

Description	(%) Q/Q	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2020
Total income	15.3%	9,873	8,563	7,286	0	5,146	4,723
Revenue From Operations	15.6%	9,809	8,486	7,267	0	5,108	4,695
Total interest earned	15.9%	8,275	7,139	5,852	0	4,314	3,934
Dividend income	-7.1%	40	43	18	0	17	23
Rental income	13.2%	233	206	143	0	69	58
Fees and commission income	14.9%	379	330	281	0	205	212
Revenue from sale of services	-	0	0	0	0	0	358
Other revenue from operations	12.8%	627	556	564	0	393	20
Other income	-17.1%	64	77	18	0	37	27
Total Expenses	16.4%	7,117	6,116	5,233	0	3,729	3,723
Employee Expense	12%	1,059	946	832	0	619	502
Finance costs	12.3%	4,745	4,226	3,418	0	2,236	2,427
Depreciation and Amortization	10.4%	246	223	183	0	101	90
Fees and commission expenses	38.9%	126	91	95	0	76	126
Impairment on financial instruments	119.9%	553	252	298	0	410	330
Other expenses	2.1%	387	379	407	0	288	248
Profit Before exceptional items and Tax	12.6%	2,756	2,447	2,053	0	1,417	1,000
Exceptional items before tax	-	-75.61	0	-91.72	0	0	0
Total profit before tax	9.6%	2,681	2,447	1,961	0	1,417	1,000
Current tax	22.8%	695	566	542	0	381	302
Deferred tax	-131.5%	-20.12	68	-3.79	0	-31.17	-91.76
Tax expense	6.3%	675	635	539	0	350	210
Total profit (loss) for period	9.6%	2,059	1,879	1,842	0	-	-
Other comp. income net of taxes	-86.8%	75	563	1,368	0	284	-444.6
Total Comprehensive Income	-12.7%	2,134	2,443	3,211	0	1,580	401
Reserve excluding revaluation reserves	13%	14,783	13,087	-	-	-	-
Earnings Per Share, Basic	9.6%	186.81	170.53	130.31	0	106.48	71.85
Earnings Per Share, Diluted	9.6%	186.81	170.53	130.31	0	106.48	71.85
Debt equity ratio	0.1%	0.0468	0.0463	0.05	0	-	-

Description	(%) Q/Q	Mar-2026	Dec-2025	Sep-2025	Jun-2025	Mar-2025	Dec-2024
Total income	2.3%	2,589	2,530	2,401	2,353	2,300	2,207
Revenue From Operations	1.8%	2,560	2,514	2,386	2,349	2,259	2,190
Total interest earned	1.7%	2,157	2,122	2,019	1,984	1,912	1,857
Dividend income	-	31	0	7.08	2.73	17	0
Rental income	3.4%	61	59	56	57	54	52
Fees and commission income	10.5%	106	96	91	78	79	91
Other revenue from operations	-1.9%	158	161	158	149	157	138
Other income	86.7%	29	16	15	4.17	41	17
Total Expenses	1.5%	1,808	1,781	1,751	1,778	1,535	1,607
Employee Expense	7.2%	283	264	255	256	239	246
Finance costs	-1%	1,197	1,209	1,176	1,163	1,104	1,087
Depreciation and Amortization	6.5%	67	63	60	56	63	58
Fees and commission expenses	6.9%	32	30	40	24	21	22
Impairment on financial instruments	7%	124	116	127	187	-5.5	101
Other expenses	7.2%	105	98	92	91	113	93
Profit Before exceptional items and Tax	4.4%	782	749	650	575	765	601
Exceptional items before tax	85.6%	-8.77	-66.84	0	0	0	0
Total profit before tax	13.4%	773	682	650	575	765	601
Current tax	9.4%	176	161	156	203	181	144
Deferred tax	1074%	16	-0.54	3.46	-39.28	30	5.7
Tax expense	20.1%	192	160	159	164	211	150
Total profit (loss) for period	2.4%	554	541	488	475	553	455
Other comp. income net of taxes	17.6%	-507.06	-615.71	309	889	40	-210.18
Total Comprehensive Income	161%	47	-74.35	797	1,365	593	245
Earnings Per Share, Basic	2.4%	50.28	49.12	44.29	43.12	50.17	41.33
Earnings Per Share, Diluted	2.4%	50.28	49.12	44.29	43.12	50.17	41.33
Debt equity ratio	0.2%	0.0468	0.0451	0.0436	0.0434	0.0463	0.05

Description	(%) Q/Q	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2020
Total income	17.3%	7,734	6,596	5,494	4,110	3,890	3,927
Revenue From Operations	17.8%	7,683	6,520	5,480	4,046	3,870	3,842
Total interest earned	16.6%	6,598	5,657	4,525	3,472	3,394	3,406
Dividend income	74.9%	293	168	346	135	94	49
Rental income	13.2%	233	206	143	92	69	59
Fees and commission income	11.6%	366	328	279	240	196	215
Revenue from sale of services	-	0	0	0	0	0	26
Other revenue from operations	26.3%	73	58	70	49	39	20
Other income	-32%	52	76	14	64	20	85
Total Expenses	16.7%	5,291	4,534	3,798	2,690	2,714	2,982
Employee Expense	12.5%	723	643	549	445	414	359
Finance costs	12.7%	3,668	3,254	2,576	1,777	1,700	2,072
Depreciation and Amortization	12.6%	189	168	132	94	73	73
Impairment on financial instruments	89.6%	458	242	274	134	319	286
Other expenses	11%	253	228	268	240	208	192
Profit Before exceptional items and Tax	18.5%	2,443	2,062	1,697	1,420	1,177	945
Exceptional items before tax	-	-74.75	0	134	0	0	0
Total profit before tax	14.9%	2,369	2,062	1,831	1,420	1,177	945
Current tax	19.8%	564	471	402	319	297	258
Deferred tax	-165.3%	-29.71	48	-25.26	12	-23.25	-37.25
Tax expense	2.9%	534	519	377	332	273	221
Total profit (loss) for period	18.9%	1,834	1,543	1,454	1,088	-	-
Other comp. income net of taxes	-67.3%	148	451	597	-2.39	-14.26	63
Total Comprehensive Income	-0.6%	1,982	1,994	2,051	1,086	889	787
Reserve excluding revaluation reserves	14.3%	12,604	11,028	-	-	-	-
Earnings Per Share, Basic	19%	165.09	138.85	130.87	97.95	81.31	65.16
Earnings Per Share, Diluted	19%	165.09	138.85	130.87	97.95	81.31	65.16
Debt equity ratio	0.1%	0.043	0.0425	0.04	0.04	-	-

Description	(%) Q/Q	Mar-2026	Dec-2025	Sep-2025	Jun-2025	Mar-2025	Dec-2024
Total income	9.1%	2,103	1,928	1,818	1,886	1,844	1,664
Revenue From Operations	8.6%	2,075	1,911	1,814	1,883	1,803	1,648
Total interest earned	1.1%	1,718	1,699	1,615	1,573	1,520	1,478
Dividend income	-	155	0	14	124	125	0
Rental income	3.4%	61	59	56	57	54	52
Fees and commission income	8.7%	101	93	88	76	78	91
Other revenue from operations	10.5%	22	20	16	16	18	12
Other income	68.8%	28	17	4.16	2.86	41	16
Total Expenses	-0.7%	1,326	1,336	1,303	1,326	1,117	1,196
Employee Expense	4.4%	189	181	177	176	158	170
Finance costs	-0.7%	933	940	901	894	851	835
Depreciation and Amortization	6.2%	52	49	46	42	48	44
Impairment on financial instruments	-20.8%	81	102	117	157	-1.13	91
Other expenses	12.9%	71	63	62	57	60	56
Profit Before exceptional items and Tax	31.3%	777	592	515	560	727	467
Exceptional items before tax	85.4%	-8.77	-65.98	0	0	0	0
Total profit before tax	46.1%	768	526	515	560	727	467
Current tax	9.4%	140	128	125	171	167	116
Deferred tax	423.1%	20	-4.88	-4.89	-40.38	14	2.15
Tax expense	30.3%	160	123	120	131	181	118
Total profit (loss) for period	51%	608	403	394	429	546	349
Other comp. income net of taxes	25.6%	-437.31	-588.38	330	844	5.61	-195.98
Total Comprehensive Income	191.1%	171	-185.51	724	1,273	551	153
Earnings Per Share, Basic	52.5%	54.76	36.26	35.48	38.59	49.13	31.42
Earnings Per Share, Diluted	52.5%	54.76	36.26	35.48	38.59	49.13	31.42
Debt equity ratio	0.1%	0.043	0.0417	0.04	0.0393	0.0425	0.04

Description	(%) Q/Q	Mar-2026	Sep-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024
Cash and cash equivalents	161.2%	526	202	311	-	201	-
Derivative financial instruments	-	0	0	0	-	0	-
Trade receivables	11.4%	99	89	90	-	91	-
Other receivables	20%	31	26	39	-	32	-
Loans	6.8%	73,255	68,572	64,647	-	59,766	-
Investments	-8.3%	9,029	9,841	6,481	-	6,423	-
Other financial assets	-	187	-	-	-	-	-
Other financial assets	-29.8%	187	266	125	-	91	-
Total finanical assets	4.5%	84,121	80,524	73,514	0	67,715	0
Current tax assets (Net)	-	0	0	124	-	283	-
Investment property	2%	52	51	75	-	77	-
Property, plant and equipment	-19.3%	624	773	748	-	575	-
Goodwill	-0.2%	472	473	473	-	472	-
Total non-financial assets	-0.9%	1,675	1,691	1,823	0	1,944	0
Total assets	4.4%	85,795	82,216	75,337	-	69,659	-
Equity share capital	0%	110	110	110	-	110	-
Total equity	-1.6%	14,894	15,129	13,197	-	12,510	-
Derivative financial instruments	-46.2%	22	40	26	-	16	-
Debt securities	1.9%	26,860	26,349	22,930	-	18,435	-
Borrowings	11.2%	31,261	28,111	26,892	-	26,551	-
Deposits	0.5%	8,873	8,827	8,677	-	8,427	-
Subordinated liabilities	3.9%	2,642	2,543	2,584	-	2,843	-
Total financial liabilities	5.8%	70,591	66,736	61,958	0	57,001	0
Current tax liabilities	557.2%	38	6.63	0	-	0	-
Provisions	69%	170	101	98	-	82	-
Total non financial liabilities	-11.4%	311	351	182	0	148	0
Total liabilities	5.7%	70,902	67,087	62,140	-	-	-
Total equity and liabilities	4.4%	85,795	82,216	75,337	-	69,659	-

Description	Share	Value
Asset Financing	92.0%	2.4 kCr
Others	8.0%	204.7 Cr
Total		2.6 kCr

Finance costs	12.3%
Depreciation	10.4%
Impairment loss / reversal	119.9%
Dividend income	-7.1%
Adjustments for interest income	42%
Share-based payments	-21.7%
Net Cashflows From Operations	70.2%
Interest paid	10.4%
Income taxes paid (refund)	82.5%
Net Cashflows From Operating Activities	34.4%
Proceeds from sales of PPE	-25.6%
Purchase of property, plant and equipment	20%
Purchase of investment property	-
Purchase of intangible assets	-34.7%
Proceeds from sales of long-term assets	-
Purchase of other long-term assets	-
Dividends received	-18.3%
Interest received	61.2%
Other inflows/outflows of cash	-
Net Cashflows From Investing Activities	-247.6%
Proceeds from borrowings	12.7%
Repayments of borrowings	16.6%
Payments of finance lease liabilities	-
Payments of lease liabilities	-4.2%
Dividends paid	23.3%
Net Cashflows From Financing Activities	-4.4%
Net change in cash and cash eq.	191.4%
Cash Equivalents at beginning of period	-

Description	(%) Q/Q	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2020
Finance costs	12.7%	3,668	3,254	2,576	1,777	1,700	-
Depreciation	12.6%	189	168	132	94	73	-
Impairment loss / reversal	89.6%	458	242	274	0	319	-
Dividend income	74.9%	293	168	346	135	94	-
Adjustments for interest income	43.9%	345	240	159	75	0	-
Share-based payments	-16.1%	4.49	5.16	4.28	2.54	2.09	-
Net Cashflows From Operations	58.8%	-1,720.9	-4,175.84	-4,765.47	-3,026.64	3,559	-
Interest paid	10.2%	3,070	2,785	2,157	1,682	1,594	-
Income taxes paid (refund)	142%	214	89	300	272	173	-
Net Cashflows From Operating Activities	29%	-5,004.67	-7,050.27	-7,222.85	-4,980.99	1,793	-
Proceeds from sales of PPE	-69%	14	43	12	23	13	-
Purchase of property, plant and equipment	40%	36	26	46	17	21	-
Purchase of investment property	-	0	0	0	40	1.25	-
Purchase of intangible assets	-27.1%	7.53	9.96	19	16	1.23	-
Proceeds from sales of long-term assets	-	0	0	25,828	17,512	13,701	-
Purchase of other long-term assets	-	0	0	26,145	17,197	14,767	-
Dividends received	74.9%	293	168	346	135	94	-
Interest received	65.7%	296	179	118	67	0	-
Other inflows/outflows of cash	-	0	0	0	0	-147.63	-
Net Cashflows From Investing Activities	-199.5%	-1,111.95	1,120	246	467	-1,130.24	-
Proceeds from borrowings	13.6%	39,510	34,793	35,595	21,839	14,493	-
Repayments of borrowings	13.9%	32,818	28,821	27,891	17,005	14,987	-
Payments of finance lease liabilities	-	-	-	0	0	15	-
Payments of lease liabilities	23.8%	27	22	19	16	0	-
Dividends paid	23.5%	411	333	322	244	178	-
Net Cashflows From Financing Activities	11.3%	6,253	5,617	7,363	4,573	-686.71	-
Net change in cash and cash eq.	143.2%	137	-313.8	387	59	-24.37	-
Cash Equivalents at beginning of period	-	-	-	524	78	102	-

Description	Share	Value
Asset Financing	92.0%	2.4 kCr
Others	8.0%	204.7 Cr
Total		2.6 kCr

Description	(%) Q/Q	Mar-2026	Sep-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024
Cash and cash equivalents	278%	345	92	208	-	60	-
Derivative financial instruments	-	28	0	0	-	0	-
Trade receivables	20%	25	21	20	-	32	-
Other receivables	20%	31	26	39	-	32	-
Loans	7%	56,530	52,819	49,374	-	45,865	-
Investments	-6.7%	9,408	10,083	6,863	-	6,876	-
Other financial assets	-	18	-	-	-	-	-
Other financial assets	-86.3%	18	125	18	-	25	-
Total finanical assets	4.2%	67,337	64,604	58,287	0	53,929	0
Current tax assets (Net)	-	-	0	43	-	207	-
Investment property	1.4%	71	70	94	-	96	-
Property, plant and equipment	-14.8%	576	676	641	-	517	-
Total non-financial assets	-0.9%	887	895	928	0	1,042	0
Total assets	4.2%	68,225	65,499	59,215	-	54,970	-
Equity share capital	0%	111	111	111	-	111	-
Total equity	-1.5%	12,715	12,905	11,139	-	10,587	-
Derivative financial instruments	-	-	40	26	-	16	-
Debt securities	4.6%	20,592	19,692	16,246	-	13,132	-
Borrowings	9%	24,987	22,915	22,131	-	21,636	-
Deposits	0.4%	6,470	6,443	6,358	-	6,158	-
Subordinated liabilities	0%	2,542	2,543	2,584	-	2,774	-
Total financial liabilities	5.8%	55,245	52,238	47,958	0	44,258	0
Current tax liabilities	14.7%	87	76	0	-	0	-
Provisions	47.8%	100	68	51	-	52	-
Total non financial liabilities	-25.9%	264	356	117	0	126	0
Total liabilities	5.5%	55,509	52,594	48,076	-	-	-
Total equity and liabilities	4.2%	68,225	65,499	59,215	-	54,970	-

SUNDARMFIN - SUNDARAM FINANCE LTD Share Price

SUNDARMFIN

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

SUNDARMFIN

SUNDARMFIN - SUNDARAM FINANCE LTD Share Price

SUNDARMFIN

Valuation

Fundamentals

Profitability

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Growth & Returns

Cash Flow & Liquidity

Balance Sheet

Capital Structure & Leverage

Dividend & Shareholder Returns

SUNDARMFIN

Investor Care

Financial Health

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

What does SUNDARAM FINANCE LTD do?

Important Disclosure & Data Context

Valuation

Fundamentals

Profitability

Growth & Returns

Cash Flow & Liquidity

Balance Sheet

Capital Structure & Leverage

Dividend & Shareholder Returns

Investor Care

Financial Health

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

What does SUNDARAM FINANCE LTD do?

Important Disclosure & Data Context