Sundaram Finance
Sundaram Finance Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Sundaram Finance Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Sundaram Finance Ltd trades at a P/E of 23.61× and P/B of 3.21×, against the Financial Services sector median P/E of 18.42×.
Valuation
Profitability
Growth
Financial Health
Sundaram Finance Ltd chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Sundaram Finance Ltd — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Sundaram Finance Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Sundaram Finance Ltd, switchable between annual and quarterly views, consolidated or standalone.
Sundaram Finance Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹49,985.63 Cr and reported EPS of ₹186.75.
| Period | 2018 | 2020 | 2022 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Revenue from Operations | 6,037 | 4,695 | 5,108 | 7,267 | 8,486 | 9,809 |
| Other Income | 68 | 27 | 37 | 18 | 77 | 64 |
| Total Income | 6,105 | 4,723 | 5,146 | 7,286 | 8,563 | 9,873 |
| Gross Profit | 6,037 | 4,695 | 5,108 | 7,267 | 8,486 | 9,809 |
| +Operating Expenses | 3,022 | 750 | 906 | 1,239 | 1,325 | 1,446 |
| EBITDA | 3,015 | 3,945 | 4,202 | 6,028 | 7,161 | 8,363 |
| +Non-Operating Expenses | 1,919 | 2,517 | 2,337 | 3,509 | 4,449 | 4,915 |
| Profit Before Tax (PBT) | 1,163 | 1,000 | 1,417 | 1,961 | 2,447 | 2,681 |
| +Tax Expense | 397 | 210 | 350 | 539 | 635 | 675 |
| Profit After Tax (PAT) | 800 | 845 | 1,296 | 1,842 | 1,879 | 2,059 |
| Earnings Per Share (EPS) | 64.04 | 69.78 | 105.61 | 165.82 | 169.16 | 185.31 |
| Diluted Shares Outstanding (Nos.) | 11 | 11 | 11 | 11 | 11 | 11 |
| +Banking Income | 6,105 | 4,723 | 5,146 | 7,286 | 8,563 | 9,873 |
| +Additional Disclosures | 5,062 | 3,389 | 4,365 | 7,021 | 6,746 | 7,246 |
| Sales Growth % | — | -22.22 | 8.79 | 42.26 | 16.77 | 15.59 |
| YoY Sales Growth % | — | — | — | — | 16.77 | 15.59 |
| Employee Cost % | 9 | 11 | 12 | 11 | 11 | 11 |
| Other Cost % | 41 | 5 | 6 | 6 | 4 | 4 |
| OPM % | 50 | 84 | 82 | 83 | 84 | 85 |
| Tax % | 34 | 21 | 25 | 27 | 26 | 25 |
| Profit Growth % | — | — | — | — | 2.01 | 9.55 |
| Gross Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| +Additional Fields | — | 126 | 76 | 95 | 91 | 127 |
Sundaram Finance segment analysis: revenue and profit mix.
Disclosed business segments at Sundaram Finance with their share of revenue and profit, switchable between consolidated and standalone reporting.
Sundaram Finance discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Sundaram Finance Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Sundaram Finance Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Sundaram Finance Ltd's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Healthy Return on Equity (ROE) of 15.30% indicates efficient capital utilization.
Consistent 5-year EPS growth of 18.84% demonstrates strong earnings power.
Robust quarterly sales growth of 20.40% reflects strong demand.
Significant market capitalization of ₹51439 crore establishes strong industry presence.
Diversified financial services portfolio across lending, insurance, and investments.
What can break it.
Substantial debt-to-equity ratio of 4.64 indicates high financial leverage.
Negative operating cash flow trends raise concerns about liquidity generation.
Promoter holding at 37.2% is relatively low, potentially impacting confidence.
Recent 5-day stock price decline of -0.86% shows negative short-term momentum.
Zero 5-year Free Operating Cash Flow (FOCF) growth is concerning.
What would change my mind.
Trim if P/E re-rates above 31 (~1.7× the sector multiple of 18.4). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 408.63. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 10%. The operating engine is no longer compounding capital efficiently.
Sundaram Finance Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Sundaram Finance Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Sundaram Finance Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Sundaram Finance Ltd — derived from the live tape, not yesterday's close.
Sundaram Finance Ltd last traded at ₹4,475.5 with an intraday range of ₹4,395.2–₹4,512 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹4475.50| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 4760.20 | +284.70 | +6.36% |
| R3 | 4643.40 | +167.90 | +3.75% |
| R2 | 4577.70 | +102.20 | +2.28% |
| R1 | 4526.60 | +51.10 | +1.14% |
| PIVOT | 4460.90 | -14.60 | -0.33% |
| CURRENT | 4475.50 | — | — |
| S1 | 4176.20 | -299.30 | -6.69% |
| S2 | 4293.00 | -182.50 | -4.08% |
| S3 | 4344.10 | -131.40 | -2.94% |
| S4 | 4409.80 | -65.70 | -1.47% |
SUNDARMFIN is trading Above CPR, indicating Bullishness
CPR is Average
Day's range: 4395.2 ~ 4432.1
Trading Above opening range, showing Bullishness
Sundaram Finance Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Sundaram Finance Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Sundaram Finance Ltd stood at 54.3% of traded volume, against a 20-day average of 56.6%.
Sundaram Finance announcements: results, concalls, ratings, M&A.
Filings Sundaram Finance sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Sundaram Finance files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 101 documents below.
Updates
Sundaram Finance Limited has informed the Exchange regarding '' Exercise of 1080 options".
Updates
Sundaram Finance Limited has informed the Exchange regarding ''Exercise of 550 options".
Analysts/Institutional Investor Meet/Con. Call Updates
Sundaram Finance Limited has informed the Exchange about the meeting with Phillips Capital Private Limited, an Institutional Investor.
Press Release
Sundaram Finance Limited has informed the Exchange regarding a press release dated May 25, 2026, titled "Press Release relating to the Audited…
ESOP/ESOS/ESPS
Sundaram Finance Limited has informed the Exchange regarding Grant of 14629 Options.
Investor decks & rating reports.
Updates
Updates
Updates
Updates
Updates
Sundaram Finance dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Sundaram Finance has declared, sequenced by announce and record date.
Sundaram Finance corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Sundaram Finance Ltd: business, sector, key facts.
What Sundaram Finance Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Sundaram Finance Ltd operates in the Financial Services, listed as NSE: SUNDARMFIN, BSE: 590071.
Sundaram Finance Limited (SFL) is a prominent non-banking financial company (NBFC) operating within India. Its core business revolves around providing a diverse range of financial services catering to both individuals and businesses. A significant portion of their operations involves accepting deposits from customers, including fixed, cumulative, and NRI (Non-Resident Indian) deposits, forming a crucial base for their lending activities.
A substantial part of SFL's lending portfolio is focused on the automotive sector. They offer financing options for both new and used cars, commercial vehicles, and construction equipment. This includes specialized financing solutions for diesel-powered commercial vehicles and tire and insurance financing, showcasing their comprehensive approach to vehicle-related financial needs. Beyond vehicles, they extend their financing to agricultural equipment like tractors and harvesters, demonstrating a commitment to supporting various sectors of the Indian economy.
SFL's services extend beyond asset financing to encompass broader financial needs of businesses. They provide working capital, term loans for enterprise businesses and machinery purchases, and channel finance solutions designed to support various business operations. They also actively participate in the housing finance market, offering loans for residential properties, adding to their diverse lending portfolio. Leasing services further complement their asset financing offerings.
In addition to its core lending and deposit-taking operations, SFL also offers a comprehensive suite of insurance and investment products. This includes a variety of life insurance plans, ranging from child and pension plans to whole-life, term, and investment options. They also offer general insurance products encompassing health, home, property, medical, and vehicle insurance, further diversifying their revenue streams. Furthermore, the company provides access to mutual funds, providing a gateway to various investment opportunities.
Completing its comprehensive financial services offerings, SFL provides sophisticated investment management services. These services cover a wide range of financial planning aspects, including asset allocation, portfolio management, tax optimization, risk management, and even estate management, indicating their focus on serving the long-term financial needs of high-net-worth individuals and businesses.
Questions investors ask about Sundaram Finance Ltd (SUNDARMFIN).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Sundaram Finance Ltd (SUNDARMFIN)?
The current share price of Sundaram Finance Ltd (SUNDARMFIN) is ₹4,475.5. Today, the stock has gained by ₹65.90 (1.49%), trading in a range of ₹4,395.2 to ₹4,512. The stock opened at ₹4,400 with a trading volume of 1,14,567 shares.
02Is Sundaram Finance Ltd stock a good investment for long-term?
Sundaram Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹49,985.63 crores, P/E ratio of 23.61, ROE of 14.66%, and ROCE of 9.64%. The dividend yield stands at 0.90%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Sundaram Finance Ltd stock?
The 52-week high price of Sundaram Finance Ltd (SUNDARMFIN) is ₹5,642, while the 52-week low is ₹4,000. Currently trading at ₹4,475.5, the stock is 29.0% away from its 52-week low and 20.7% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Sundaram Finance Ltd stock at the current price?
Whether to buy Sundaram Finance Ltd stock at ₹4,475.5 depends on multiple factors. The stock is currently trading with a P/E ratio of 23.61 and P/B ratio of 3.21. Today's performance shows a gain of 1.49%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Sundaram Finance Ltd and when is the next dividend?
Sundaram Finance Ltd offers a dividend yield of 0.90%, which means for every ₹100 invested at the current price of ₹4,475.5, you can expect to receive approximately ₹0.90 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Sundaram Finance Ltd?
Sundaram Finance Ltd's key financial metrics include: P/E Ratio: 23.61, P/B Ratio: 3.21, ROE: 14.66%, ROCE: 9.64%, Dividend Yield: 0.90%, EPS: ₹186.75, Book Value: ₹1,372.76, and Debt-to-Equity: 408.13. The company's market cap stands at ₹49,985.63 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Sundaram Finance Ltd stock performing today in the market?
Sundaram Finance Ltd stock opened at ₹4,400 and is currently trading at ₹4,475.5, showing a gain of ₹65.90 (1.49%). The intraday high is ₹4,512 and low is ₹4,395.2. The trading volume stands at 1,14,567 shares, indicating moderate market participation today.
08What is the P/E ratio of Sundaram Finance Ltd and what does it indicate?
Sundaram Finance Ltd has a Price-to-Earnings (P/E) ratio of 23.61, which means investors are willing to pay ₹23.61 for every ₹1 of earnings. With an EPS of ₹186.75, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Sundaram Finance Ltd (SUNDARMFIN) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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