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Prices as of 8 Oct 2026 close · Not investment advice

Sundaram Finance Limited

NSE: SUNDARMFINNon Banking Financial Company (NBFC)

Share price

₹4,110.60

-4.43% close of 8 Oct 2026

Market cap ₹45,217 CrP/E 19.9

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 5 Oct 2026, the close above is 8 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

67

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹45,217 Cr

P/E ratio

19.9

P/B ratio

3.1

ROCE

9.4%

ROE

15.0%

Dividend yield

0.9%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹5,581.5052-week low ₹4,069.10

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 13.7% over the past year, and 14.3% a year over its longer record. Meanwhile what it keeps on lending improved from 30.5% to 31% over the last two years.

Whether it grew faster than its sector

It grew 14.3% a year against a sector median of 16.0% — 1.7 percentage points slower.

Room to re-rate, or risk of de-rating

At 19.9× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 22.8×, across 5 companies. It is against its own five-year median of 23.8×, the 13th percentile of its own range.

Whether growth justifies the valuation

Priced at 1.2 times its growth rate, on earnings growth of 17%.

Profit growthPrice per ₹1 profitPer 1% growth
Sundaram Finance Limited — this one17%/yr19.9×₹1.2
Bajaj Finance19%/yr29.0×₹1.5
Shriram Finance Limited19%/yr19.1×₹1.0
Tata Capital Limited17%/yr24.4×₹1.4
Cholamandalam Investment & Finance25%/yr22.8×₹0.91
Muthoot Finance43%/yr9.0×₹0.21

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Non Banking Financial Company (NBFC)), it ranks 9 of 73 on returns, 44 of 68 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

A narrow advantage: it earns 15.0% on capital, ahead of 88% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Consolidated profit up 34% on a year ago to Rs 636 crore

Announced 7 Aug 2026 · Consolidated · Unaudited

Revenue

₹2,644 Cr

Net profit

₹636 Cr

Profit vs last year

+33.9%

Profit vs last quarter

+14.8%

Net margin

24.1%

EPS

₹57.71

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹45,217 Cr
Prev close
₹4,110.60
52w High
₹5,642
52w Low
₹4,000
Enterprise value
—
Beta
1.0
Price CAGR 1y
0.0%
Price CAGR 3y
11.0%
Price CAGR 5y
12.0%
Price CAGR 10y
14.0%

Ratios

Return on assets
2.4%
PEG ratio
1.2
P/E ratio
19.9
P/B ratio
3.1
EV / EBITDA
—
Industry P/E
16.8
ROCE
9.4%
ROCE 5y average
—
ROE
15.0%
Debt / Equity
4.7
Interest coverage
—
Dividend yield
0.9%
ROE 3y average
15.0%
ROE last year
15.0%

Annual P&L

Annual revenue
₹9,852 Cr
Annual profit
₹2,059 Cr
Operating margin
30.0%
Net profit margin
20.9%
EBITDA margin
30.2%
Sales growth 3y
21.4%
Sales growth 5y
13.2%
Profit growth 3y
17.0%
Profit growth 5y
13.0%
EPS
₹185
Sales growth TTM
14.0%
Profit growth TTM
19.0%
Dividend payout
21.0%

Quarter P&L

Sales latest quarter
₹2,644 Cr
Profit latest quarter
₹636 Cr
YoY quarterly sales growth
12.6%
YoY quarterly profit growth
33.9%
OPM latest quarter
31.0%

Balance Sheet

Book Value
₹1,354
Face Value
₹10.0
Total debt
₹69,636 Cr
Total cash
₹1,520 Cr
Borrowings
₹69,636 Cr
Reserves / Equity
134.4

Cash Flow

Operating cash flow
-₹5,892 Cr
Free cash flow
-₹5,921 Cr
FCF yield
—
Net cash flow
₹215 Cr

Shareholding

Promoter holding
37.2%
FII holding
18.6%
DII holding
8.0%
Public holding
35.4%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Bajaj Finance948.3028.85,90,4070.576,080.627.423,165.518.610.9
Shriram Finance945.0019.62,22,3631.143,452.859.913,400.416.211.5
Tata Capital319.3024.91,35,5390.181,628.256.38,821.915.18.6
Cholaman.Inv.&Fn1,580.0023.51,34,9900.131,656.245.68,856.321.99.7
Muthoot Finance2,697.109.51,08,2801.112,824.838.88,671.634.415.8
L&T Finance Ltd264.3520.766,2551.04916.028.75,212.922.48.4
SBI Cards563.2023.653,5970.44664.419.55,040.63.410.1
Sundaram Finance4,395.9021.448,8400.91636.233.92,644.112.69.4
Median134.8019.64680.0011.138.349.128.39.5

Competes with: Bajaj Finance, Cholamandalam Investment & Finance, HDB Financial Services Limited, L&T Finance Limited, Muthoot Finance, SBI Cards & Payment Services, Shriram Finance Limited, Tata Capital Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue1,5821,7081,8212,1561,9522,0852,1902,2592,3492,3862,5142,5602,644
Expenses382375351524402436462368559515509544580
Financing Profit461512561684565599642787627695796820818
Financing Margin %29303132292929352729323231
Other Income827-908111741415-51209
Interest7398219109489851,0501,0871,1041,1631,1761,2091,1971,247
Depreciation39444853485358635660636760
Profit before tax430471520541525557601765575650682773767
Tax %28302328232725282824232526
Net Profit429435506472435436455553475488541554636
EPS in Rs34333824393941504344495057

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue4,2855,0275,5886,3313,6964,7075,2925,1115,5017,2748,5139,85210,104
Expenses1,5052,2212,7353,9069321,2221,2351,3921,2851,6321,6672,1262,147
Financing Profit9999921,1181,0809941,0571,3981,4831,8062,2242,6202,9803,128
Financing Margin %23202017272226293331313031
Other Income-27781348248243543-8050-54-6
Interest1,7821,8141,7351,3441,7702,4272,6592,2362,4103,4184,2264,7454,829
Depreciation11210610479589093101139183223246249
Profit before tax8608931,0221,0141,4181,0161,3301,4171,7111,9612,4472,6812,872
Tax %333434342721252525272625
Net Profit6446627688431,2588451,2231,2961,5101,8421,8792,0592,220
EPS in Rs5252626610471105106120129169185200
Dividend Payout %202119181718171922232121

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
7%
5 years
13%
3 years
21%
TTM
14%

Compounded profit growth

10 years
14%
5 years
13%
3 years
17%
TTM
19%

Stock price CAGR

10 years
14%
5 years
12%
3 years
11%
1 year
0%

Return on equity

10 years
15%
5 years
15%
3 years
15%
Last year
15%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 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

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 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

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %171515141412161414141515

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters383838383737373737373737
FIIs8.358.3113171819191919191919
DIIs1717128.888.027.867.547.827.377.437.698
Public363636353636353536353535
Others000000000.800.800.800
No. of Shareholders41,73842,59742,28843,76244,16845,96646,07649,27955,89455,41657,27156,309

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -6.5% (₹4,398.00 → ₹4,110.60)Brick size ₹133.86 (fixed)Bricks 35
₹4,500₹5,000₹5,500₹4,111Nov '25Jan '26Mar '26May '26Jul '26Sep '26
Price moved up one brickPrice moved down one brickLast close ₹4,110.60 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

AUM / loan book

62,275inr_cr

2026-06-30

capital adequacy (CRAR) %

20.00

combined ratio %

116

cost-to-income %

30.70

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

disbursements

8,947inr_cr

2026-06-30

gross NPA %

1.71pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

total loans / revolving facilities outstanding at period end, the base of loan_default_cr

0.00cr

2026-06-30

net NPA %

1.35

net interest margin %

5.61

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

49.00

FY revenue / permanent employees + workers, same basis (calc)

1,43,76,796inr

2026-03-31

return on assets %

3.06

solvency ratio (multiple)

2.21

News

News and filings about Sundaram Finance Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Bond Markets
  • Interest Rates

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Non Banking Financial Company (NBFC)
Classification
Financial Services › Non Banking Financial Company (NBFC)
ISIN
INE660A01013

Business segments

  • Asset Financing · 93%
  • Others · 8%

News impact

Big market events that reach Sundaram Finance Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

6 Jul 2026unspecified₹24
6 Feb 2026interim₹16
9 Jul 2025unspecified₹21
7 Feb 2025interim₹14
31 Jul 2024unspecified₹16
16 Feb 2024interim₹14
5 Jul 2023unspecified₹15
17 Feb 2023interim₹12

Splits, bonuses & buybacks

  • daily-prices repair: 9 rows from NSE's archive (replace 1, delete 1, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.