SUNDARMFIN

Sundaram Finance Limited

Deposit-taking NBFC financing commercial vehicles, cars and small business since 1954

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

sundaramfinance.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹4236.80
Market cap
46,706 Cr
Stock P/E
21.0
P/B
3.14
Dividend yield
0.9%
ROE (FY26)
13.8%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

Sundaram Finance is a non-banking finance company whose main business is asset financing, with assets under management (AUM) of ₹62,275 crore at the end of June 2026.

Company snapshot

9thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

Segment mix

Reportable segments as of 2024-12-31 (Consolidated). Revenue share = segment revenue ÷ total revenue.

Largest segment: 92.6% of revenue

SegmentRevenue shareRevenuePBTAssets
Asset Financing
92.6%
2,028 Cr527 Cr69,581 Cr
Others
7.7%
168 Cr62 Cr4,069 Cr

What we see

Positives
  • ✓Net margin of 21.0% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income608 Cr625 Cr634 Cr653 Cr684 Cr769 Cr808 Cr821 Cr843 Cr913 Cr960 Cr963 Cr
Other income2 Cr7 Cr1 Cr8 Cr11 Cr17 Cr41 Cr4 Cr15 Cr16 Cr29 Cr9 Cr
Net operating income610 Cr631 Cr636 Cr661 Cr695 Cr786 Cr849 Cr825 Cr858 Cr929 Cr989 Cr972 Cr
Employee cost199 Cr215 Cr221 Cr229 Cr231 Cr246 Cr239 Cr256 Cr255 Cr264 Cr283 Cr307 Cr
Other expenses103 Cr97 Cr119 Cr81 Cr92 Cr93 Cr113 Cr91 Cr92 Cr98 Cr105 Cr100 Cr
Provisions & contingencies————————————
Depreciation44 Cr48 Cr53 Cr48 Cr53 Cr58 Cr63 Cr56 Cr60 Cr63 Cr67 Cr60 Cr
Profit before tax578 Cr628 Cr624 Cr557 Cr588 Cr605 Cr764 Cr639 Cr647 Cr702 Cr746 Cr835 Cr
Tax %24.7%19.4%24.3%22.0%25.8%24.7%27.6%25.6%24.6%22.8%25.8%23.8%
Net profit435 Cr506 Cr472 Cr435 Cr436 Cr455 Cr553 Cr475 Cr488 Cr541 Cr554 Cr636 Cr
EPS (₹)₹33.16₹38.79₹24.31₹39.46₹39.57₹41.33₹50.17₹43.12₹44.29₹49.12₹50.28₹57.71

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———1,506 Cr—2,078 Cr—2,435 Cr2,913 Cr3,530 CrSign in free for the trailing twelve months
Other income42 Cr68 Cr19 Cr27 Cr69 Cr37 Cr0 Cr18 Cr77 Cr64 CrSign in free for the trailing twelve months
Net operating income42 Cr68 Cr19 Cr1,533 Cr69 Cr2,115 Cr0 Cr2,453 Cr2,991 Cr3,594 CrSign in free for the trailing twelve months
Employee cost497 Cr544 Cr429 Cr502 Cr561 Cr619 Cr0 Cr832 Cr946 Cr1,059 CrSign in free for the trailing twelve months
Other expenses829 Cr2,478 Cr246 Cr248 Cr214 Cr288 Cr—407 Cr379 Cr387 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation104 Cr87 Cr58 Cr90 Cr93 Cr101 Cr0 Cr183 Cr223 Cr246 CrSign in free for the trailing twelve months
Profit before tax1,113 Cr1,163 Cr1,646 Cr1,016 Cr1,551 Cr1,646 Cr0 Cr2,381 Cr2,514 Cr2,734 CrSign in free for the trailing twelve months
Tax %31.0%34.1%23.6%20.7%21.1%21.3%—22.6%25.2%24.7%Sign in free for the trailing twelve months
Net profit768 Cr712 Cr1,259 Cr845 Cr1,223 Cr1,296 Cr0 Cr1,842 Cr1,879 Cr2,059 CrSign in free for the trailing twelve months
EPS (₹)₹61.52₹64.04₹105.40₹71.85₹105.74₹106.48₹0.00₹130.31₹170.53₹186.81Sign in free for the trailing twelve months
Dividend payout %—————15.6%—17.3%17.6%19.8%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital111 Cr111 Cr110 Cr110 Cr110 Cr110 Cr110 Cr110 Cr110 Cr110 Cr
Reserves4,698 Cr4,791 Cr6,149 Cr6,567 Cr7,620 Cr8,685 Cr9,800 Cr10,968 Cr13,087 Cr14,783 Cr
Borrowings15,039 Cr18,733 Cr————42,694 Cr52,334 Cr61,084 Cr69,636 Cr
Other liabilities10,221 Cr11,939 Cr25,673 Cr36,589 Cr37,109 Cr37,065 Cr734 Cr864 Cr1,056 Cr1,265 Cr
Total liabilities30,749 Cr36,396 Cr33,671 Cr44,721 Cr46,560 Cr48,154 Cr56,066 Cr64,276 Cr75,337 Cr85,795 Cr
Fixed assets (net)333 Cr274 Cr244 Cr285 Cr267 Cr301 Cr406 Cr535 Cr748 Cr624 Cr
CWIP——————0.60 Cr0 Cr0 Cr0 Cr
Investments4,815 Cr5,506 Cr————8,176 Cr5,809 Cr6,556 Cr9,081 Cr
Loans & advances——————44,631 Cr54,874 Cr64,647 Cr73,255 Cr
Trade receivables——44 Cr42 Cr57 Cr44 Cr75 Cr87 Cr90 Cr99 Cr
Cash & bank1,014 Cr1,344 Cr150 Cr64 Cr150 Cr134 Cr188 Cr546 Cr311 Cr526 Cr
Other assets24,588 Cr29,272 Cr33,232 Cr44,329 Cr46,085 Cr47,676 Cr2,589 Cr2,426 Cr2,985 Cr2,211 Cr
Total assets30,749 Cr36,396 Cr33,671 Cr44,721 Cr46,560 Cr48,154 Cr56,066 Cr64,276 Cr75,337 Cr85,795 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-965 Cr-2,989 Cr-4,200 Cr9 Cr450 Cr1,862 Cr-8,215 Cr-8,486 Cr-8,985 Cr-5,892 Cr
Cash from investing-554 Cr-475 Cr1,000 Cr-1,983 Cr-243 Cr-1,678 Cr669 Cr89 Cr931 Cr-1,371 Cr
Cash from financing1,394 Cr3,479 Cr3,212 Cr1,862 Cr-122 Cr-200 Cr5,890 Cr8,754 Cr7,821 Cr7,478 Cr
Net cash flow-124 Cr14 Cr12 Cr-111 Cr85 Cr-16 Cr-1,657 Cr357 Cr-233 Cr215 Cr
Free cash flow (OCF − Capex)-1,014 Cr-3,028 Cr-4,238 Cr-41 Cr435 Cr1,586 Cr-8,241 Cr-8,569 Cr-9,043 Cr-5,955 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %12.4%12.4%14.5%10.4%12.3%11.7%0.0%16.6%14.2%13.8%
Debt / equity3.133.82————3.384.724.634.68