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Sundaram Finance Ltd
Fundamental Score
Sundaram Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of SUNDARMFIN across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Return on Equity (15.27%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (77.25%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Consistent Growth Track Record (12.58% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (18.93% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (18.93% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Institutional Confidence (FII+DII: 26.43%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
6 factors identified
Suboptimal ROCE (9.64%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 4.35)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.57x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-22093.43 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
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Financial Statements
Comprehensive financial data for Sundaram Finance Ltd
About SUNDARMFIN
Business Overview
Sundaram Finance Limited, together with its subsidiaries, operates as a non-banking finance company in India. It accepts fixed, cumulative, and NRI deposits. The company also offers finance for new and used cars, new and used commercial vehicles, and new and used construction equipment; diesel finance for commercial vehicle operators and companies; tire and insurance finance; farm equipment finance for new/used tractors, harvesters, and farm implements; SME finance working capital, enterprise business, and machinery term loans, as well as channel finance; housing finance; and leasing services. In addition, it provides life insurance products comprising child, pension, whole-life, term, and investment plans; general insurance products, such as health, home, property, medical, and vehicle insurance products; mutual funds; and information technology, and business processing and support services. Further, it offers a suite of investment management services, which include asset allocation and execution, portfolio management, tax management, risk management, and estate management. The company was incorporated in 1954 and is based in Chennai, India.
Company Details
Key Leadership
Corporate Events
SUNDARMFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Sundaram Finance Ltd (SUNDARMFIN)?
As of 16 Jan 2026, 10:14 am IST, Sundaram Finance Ltd (SUNDARMFIN) is currently trading at ₹5082.50. The stock has a market capitalization of ₹52.89K (Cr).
Is SUNDARMFIN share price Overvalued or Undervalued?
SUNDARMFIN is currently trading at a P/E ratio of 26.82x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Sundaram Finance Ltd share price?
Key factors influencing SUNDARMFIN's price include its quarterly earnings growth (Sales Growth: 14.44%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Sundaram Finance Ltd a good stock for long-term investment?
Sundaram Finance Ltd shows a 5-year Profit Growth of 18.93% and an ROE of 15.27%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 4.35 before investing.
How does Sundaram Finance Ltd compare with its industry peers?
Sundaram Finance Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare SUNDARMFIN's P/E of 26.82x and ROE of 15.27% against the industry averages to determine its competitive standing.
What is the P/E ratio of SUNDARMFIN and what does it mean?
SUNDARMFIN has a P/E ratio of 26.82x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹27 for every ₹1 of annual earnings.
How is SUNDARMFIN performing according to Bull Run's analysis?
SUNDARMFIN has a Bull Run fundamental score of 36.5/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does SUNDARMFIN belong to?
SUNDARMFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Sundaram Finance Ltd.
What is Return on Equity (ROE) and why is it important for SUNDARMFIN?
SUNDARMFIN has an ROE of 15.27%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently Sundaram Finance Ltd generates profits from shareholders' equity.
How is SUNDARMFIN's debt-to-equity ratio and what does it indicate?
SUNDARMFIN has a debt-to-equity ratio of 4.35, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is SUNDARMFIN's dividend yield and is it a good dividend stock?
SUNDARMFIN offers a dividend yield of 0.74%, which means you receive ₹0.74 annual dividend for every ₹100 invested.
How has SUNDARMFIN grown over the past 5 years?
SUNDARMFIN has achieved 5-year growth rates of: Sales Growth 12.58%, Profit Growth 18.93%, and EPS Growth 18.93%.
What is the promoter holding in SUNDARMFIN and why does it matter?
Promoters hold 37.22% of SUNDARMFIN shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is SUNDARMFIN's market capitalization category?
SUNDARMFIN has a market capitalization of ₹52888 crores, placing it in the Large-cap category.
How volatile is SUNDARMFIN stock?
SUNDARMFIN has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for SUNDARMFIN?
SUNDARMFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is SUNDARMFIN's operating profit margin trend?
SUNDARMFIN has a 5-year average Operating Profit Margin (OPM) of 77.25%, indicating the company's operational efficiency.
How is SUNDARMFIN's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 14.44% and YoY Profit Growth of 11.92%.
What is the institutional holding pattern in SUNDARMFIN?
SUNDARMFIN has FII holding of 19.06% and DII holding of 7.37%. Significant institutional holding often suggests professional confidence in the stock.