Sundaram Finance Limited, Fundamental analysis

Sundaram Finance Limited - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Finance
Variance Full Year Net Profit Variance	14
Equity Latest Equity	111.1
Face Value Latest Face Value	10
Reserves Total Reserve	14783.44
Dividend Full Year Dividend %	400
Sales Turnover Full Year Net Sales	9873.12
Net Profit Full Year Net Profit	2108.66
Full Year CPS Full Year Cash Per Share	211.9
Earning Per Share Full Year Earning Per Share	189.8
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	2653.34
Previous EPS Previous earnings per share	0
Book Value Book value	1340.6
Networth Full Year Return on Networth	14.28
Price/Book Value Price to Book value	3.375354
Yearly PE ratio Full Year Price to Earning per share	23.8
Yearly PC ratio Full Year Price to Cash Per Share	21.4
Bse value BSE Value in lakhs	1093.1
Nse value NSE Value in lakhs	2068.78
High 52 week high	5640
Low 52 week low	4000
Price NSE Current market price	4524
CPM Current market price	4525

Market cap BSE / NSE Market Cap	50276.72
Net profit Latest Quarter Net Profit	636.19
Net profit variance Latest Quarter Net Profit variance	34
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	8040.72
TTM OP Trailing Twelve 12 month Operating Profit	6312.65
TTM OPM Trailing Twelve 12 month Operating Profit Margin	78.51
TTM GP Trailing Twelve 12 month Gross Profit	3121.75
TTM GPM Trailing Twelve 12 month Gross Profit Margin	30.69
TTM NP Trailing Twelve 12 month Net Profit	1631.33
TTM NPV Trailing Twelve 12 month Net Profit Variane	18.63
TTM EPS Trailing Twelve 12 month EPS	204.99
TTM PE Trailing Twelve 12 month PE	22.08
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	202.01
Equity Latest Equity	111.1
LTP Latest Price (BSE/NSE)	4525
Gross block Latest Gross Block	2185.52
Loans Total loans	38377.73
Advances Latest Advances for Banks	0
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	78.4
Year GPM Full Year Gross Profit Margin	30.3
Quarter OPM Latest quater Operation Profit Margin	78.1

Quarterly Results (consolidated, figures in Rs Cr.)

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	2,085	2,190	2,259	2,349	2,386	2,514	2,560	2,644
YOY Sales Growth %	22%	20%	5%	20%	14%	15%	13%	13%
Gross Sales	2,085	2,190	2,259	2,349	2,386	2,514	2,560	2,644
+ Expenses	436	462	368	559	515	576	553	580
Manufacturing Cost %	5%	5%	6%	5%	6%	8%	6%	5%
Employee Cost %	11%	11%	11%	11%	11%	10%	11%	12%
Other Cost %	4%	5%	-0%	8%	5%	5%	5%	5%
Other Manufacturing Expenses %	5%	5%	6%	5%	6%	8%	6%	5%
Provisions & Contingencies %	4%	5%	-0%	8%	5%	5%	5%	5%
Operating Profit	1,649	1,729	1,891	1,790	1,871	1,938	2,008	2,064
OPM %	79%	79%	84%	76%	78%	77%	78%	78%
+ Other Income	11	17	41	4	15	16	29	9
Miscellaneous Income	11	17	41	4	15	16	29	9
Interest	1,050	1,087	1,104	1,163	1,176	1,209	1,197	1,247
Depreciation	53	58	63	56	60	63	67	60
Profit before tax	557	601	765	575	650	682	773	767
+ Tax %	27%	25%	28%	28%	24%	23%	25%	26%
Current Tax	109	144	181	203	156	161	176	245
Deferred Tax	42	6	30	-39	3	-1	16	-47
+ Net Profit	436	455	553	475	488	541	554	636
Extraordinary Income / Expense	0	0	0	0	0	-67	-9	0
Exceptional Item	0	0	0	0	0	-67	-9	0
Profit / Loss of Associates	30	4	-1	63	-3	19	-26	67
Net Profit After Minority Interest	436	455	553	475	488	541	554	636
EPS in Rs	39.57	41.33	50.17	43.12	44.29	49.12	50.28	57.71

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	5,588	6,331	3,696	4,707	5,292	5,111	5,501	7,274	8,513	9,852
Sales Growth %		13%	-42%	27%	12%	-3%	8%	32%	17%	16%
Gross Sales	2,335	2,803	7,186	4,692	5,248	5,108	5,476	7,267	8,486	9,809
+ Expenses	3,630	4,085	801	1,203	1,234	1,392	1,286	1,724	1,667	2,202
Manufacturing Cost %	25%	44%	5%	3%	2%	2%	2%	2%	2%	2%
Employee Cost %	9%	8%	12%	11%	11%	12%	12%	11%	11%	11%
Other Cost %	31%	13%	5%	12%	10%	13%	9%	10%	7%	9%
Power & Fuel %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Other Manufacturing Expenses %	25%	44%	5%	3%	2%	2%	2%	2%	2%	2%
Selling & Administration %	12%	8%	5%	3%	2%	3%	4%	3%	2%	2%
Miscellaneous Expenses %	3%	2%	4%	8%	8%	10%	5%	7%	4%	7%
Provisions & Contingencies %	1%	1%	3%	7%	7%	8%	4%	4%	3%	6%
Operating Profit	1,959	2,246	2,895	3,504	4,059	3,719	4,214	5,550	6,846	7,650
OPM %	35%	35%	78%	74%	77%	73%	77%	76%	80%	78%
+ Other Income	8	13	482	32	24	35	43	12	50	22
Miscellaneous Income	102	50	484	64	70	37	68	18	77	64
Exceptional Income	0	0	466	0	0	0	0	0	0	0
Interest	1,735	1,344	1,770	2,427	2,659	2,236	2,410	3,418	4,226	4,745
Depreciation	104	79	58	90	93	101	139	183	223	246
Profit before tax	720	850	1,541	1,016	1,331	1,417	1,711	1,961	2,447	2,681
+ Tax %	48%	41%	25%	21%	25%	25%	25%	27%	26%	25%
Current Tax	322	344	419	302	386	381	409	542	566	695
Deferred Tax	23	4	-31	-92	-58	-31	20	-4	68	-20
+ Net Profit	587	740	1,336	845	1,224	1,296	1,500	1,842	1,879	2,059
Profit Growth %		14%	96%	-27%	25%	6%	19%	12%	27%	11%
Extraordinary Income / Expense	0	0	466	0	0	0	0	-92	0	-76
Exceptional Item	0	0	466	0	0	0	0	-92	0	-76
Profit / Loss of Associates	91	177	229	40	221	230	228	420	67	53
Minority Interest (After Tax)	-85	-113	-98	-54	-58	-123	-182	-406	0	0
Net Profit After Minority Interest	683	730	1,161	792	1,165	1,173	1,328	1,436	1,879	2,059
EPS in Rs	60.94	60.52	93.50	73.10	90.95	96.80	116.31	129.08	164.49	181.96

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	111	110	110	110	110	110	110	110	110	110
Reserves	4,698	5,539	6,149	6,567	7,620	8,685	9,810	10,968	13,087	14,783
+ Borrowings	20,216	21,069	25,023	35,939	36,461	36,356	42,694	52,334	61,084	69,636
Secured Borrowings	11,246	7,162	9,743	10,884	10,556	10,528	16,311	24,387	26,887	31,259
Unsecured Borrowings	8,971	13,907	15,280	25,055	25,905	25,829	26,383	27,947	34,196	38,378
+ Other Liabilities	-9,918	-14,736	-24,884	-35,117	-35,720	-34,473	-41,169	-54,010	-63,591	-71,989
Current Liabilities	3,694	5,071	765	718	716	776	734	948	1,223	1,466
Provisions	195	102	65	49	48	76	69	85	98	208
Minority Interest	681	2,307	1,739	1,455	1,720	2,294	2,729	0	0	0
Other liability items	1,462	55	0	0	0	0	0	0	0	0
Total Liabilities	15,108	11,982	6,399	7,499	8,471	10,678	11,445	9,402	10,689	12,541
+ Fixed Assets	813	821	451	903	865	1,117	1,296	1,389	1,450	1,457
Gross Block	1,334	893	558	1,105	1,117	1,421	1,682	1,885	2,073	2,186
Accumulated Depreciation	522	73	107	202	252	304	386	496	623	729
CWIP	3	3	0	0	0	0	1	5	1	5
Investments	4,815	8,693	4,539	5,096	6,057	8,088	8,082	5,732	6,481	9,029
+ Other Assets	9,477	2,465	1,408	1,500	1,550	1,474	2,066	2,276	2,757	2,050
Trade receivables	0	45	44	42	57	44	75	87	89	99
Cash Equivalents	1,014	1,074	859	785	789	715	1,145	1,503	2,132	1,520
Loans n Advances	8,140	1,223	621	741	771	783	847	771	702	632
Other asset items	324	123	-116	-69	-67	-67	0	-84	-167	-201
Total Assets	15,108	11,982	6,399	7,499	8,471	10,678	11,445	9,402	10,689	12,541

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	-965	-5,547	-4,200	9	450	1,781	-6,504	-8,488	-8,985	-5,892
Profit from Operations	2,550	2,233	2,920	3,780	4,282	3,959	4,227	5,553	6,690	7,676
Working Capital Changes	-1,374	-6,356	-5,315	-1,772	-1,350	222	-8,070	-10,771	-11,836	-9,210
Profit Before Tax & Extraordinary Items	683	2,371	1,418	1,000	1,330	1,417	1,711	1,961	2,447	2,681
Depreciation	104	79	58	90	93	101	139	183	223	246
Interest (Net)	1,458	-293	1,770	2,427	2,659	2,155	2,297	3,224	3,963	4,372
Dividend Received	0	31	43	-23	-5	-17	-15	-18	-43	-40
Profit / Loss on Sale of Assets	3	6	7	3	-2	-7	2	2	-34	2
Profit / Loss on Sale of Investments	-104	-46	-466	0	0	0	0	92	0	0
Provisions & Write-offs (Net)	410	86	107	330	368	410	202	298	252	553
Profit / Loss in Forex	0	32	0	0	1	0	0	0	0	0
Receivables	0	-20	-1	7	-17	13	-34	-31	-23	24
Trade Payables	61	270	5	-26	-19	58	21	35	63	-31
Loans & Advances	-1,947	-6,483	-5,371	-1,532	-1,296	282	-7,377	-8,523	-10,092	-9,156
Change in Deposits	-150	-307	192	23	-15	-101	-440	-1,907	-773	828
Interest Paid (Net)	-1,831	-1,075	-1,427	-1,695	-2,169	-2,127	-2,288	-2,884	-3,673	-4,054
Direct Taxes Paid	-310	-350	-378	-305	-314	-273	-372	-386	-167	-304
+ Cash from Investing Activity	-554	-1,182	1,000	-1,983	-243	-1,597	669	89	931	-1,371
Purchase of Fixed Assets	-50	-34	-38	-50	-15	-276	-25	-83	-57	-62
Sale of Fixed Assets	0	3	7	7	18	13	24	13	44	33
Purchase of Investments	-803	-11,642	-8,282	-25,710	-20,011	-15,498	-17,411	-34,066	-31,560	-48,698
Sale of Investments	0	10,204	9,279	23,642	19,752	14,058	17,868	34,087	32,230	46,971
Interest Received	251	0	0	0	0	71	104	155	202	325
Dividend Received	48	293	35	59	13	36	109	16	72	59
Acquisition of Companies	0	0	0	0	0	0	0	-184	0	0
Others	0	-6	0	0	0	0	0	0	0	0
+ Cash from Financing Activity	1,394	6,756	3,212	1,862	-122	-200	5,890	8,754	7,821	7,478
Proceeds from Other Long-Term Borrowings	0	0	27,982	25,052	21,466	14,865	23,220	40,108	41,190	46,405
Proceeds from Short-Term Borrowings	1,797	0	0	0	0	0	0	0	0	0
Repayment of Long-Term Borrowings	-301	0	-24,505	-22,866	-21,386	-15,033	-17,000	-30,987	-32,989	-38,471
Repayment of Financial Liabilities	0	0	0	-24	-30	-32	-32	-47	-49	-47
Dividend Paid	-101	-86	-266	-299	-171	-202	-297	-319	-331	-408
Interest Paid	0	-11	0	0	0	0	0	0	0	0
Others	0	6,853	0	0	0	202	0	0	0	0
Net Cash Flow	-124	27	12	-111	85	-16	54	356	-233	215