āagman

Not investment advice. Data and computed figures, for information only.

Sundaram Finance Ltd

NSE: SUNDARMFIN
₹4,211.30
−₹35.00 (−0.82%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹45,704 Cr
CMP
₹4,211.30
52-wk High / Low
₹5,642 / 4,000
P/E
20.1
P/B
3.1
Book Value
₹1,341.0
Div Yield
0.97%
ROCE
9.4%
ROE
15.0%
Face Value
₹10
D/E
4.68

Price−4.5% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 15 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹2,365
√(22.5 × EPS × book value per share)
Cash flow to profit
−2.86
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
12.1%
ROE × earnings retention ratio
ROE stability
1.0
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −0.39DII +0.31
Latest quarter vs the previous one
Cash-accrual divergence
9.9%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 10.8pp over the last year
+PE of 20.1x is below the sector median of 20.4x
Watch-outs
−Borrowings are up 271.2% since FY2016 (18758 to 69636)
−Price trades below its 200-day moving average (0.9x)
−Promoter holding fell by 1.3pp over the last year
−Piotroski F-Score of 3/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales1,5821,7081,8212,1561,9522,0852,1902,2592,3492,3862,5142,5602,644
Expenses382375351524402436462368559515509544580
Operating Profit—————————————
OPM %—————————————
Other Income827−908111741415−51209
Interest7398219109489851,0501,0871,1041,1631,1761,2091,1971,247
Depreciation39444853485358635660636760
Profit before tax430471520541525557601765575650682773767
Net Profit429435506472435436455553475488541554636
EPS (₹)33.7732.8938.4724.1139.1439.2641.0049.7742.7743.9448.7349.8857.26

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales4,2855,0275,5886,3313,6964,7075,2925,1115,5017,2748,5139,85210,104
Expenses1,5052,2212,7353,9069321,2221,2351,3921,2851,6321,6672,1262,147
Operating Profit—————————————
OPM %—————————————
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
Net Profit6446627688431,2588451,2231,2961,5101,8421,8792,0592,220
EPS (₹)51.8352.4961.5265.70104.4971.25104.87105.61119.51129.25169.17185.32199.81

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital111111111110110110110110110110110110—
Reserves3,6394,0844,6985,5396,1496,5677,6208,6859,81010,96813,08714,783—
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—
Borrowing18,79518,75820,21621,06925,02335,93936,46136,35642,69452,33461,08469,636—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−564−1,430310−965−5,547−4,20094501,781−6,504−8,488−8,985−5,892
Cash from Investing Activity−228446−83−554−1,1821,000−1,983−243−1,59766989931−1,371
Cash from Financing Activity1,004757−2611,3946,7563,2121,862−122−2005,8908,7547,8217,478
Net Cash Flow213−227−33−1242712−11185−1654356−233215

Ratios

As of 31 Mar 2026
13 periods
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %————————————9.4
ROE %21.017.015.015.014.014.012.016.014.014.014.015.015.0
EPS (₹)52.3051.8352.4961.5265.70104.4971.25104.87105.61119.51129.25169.17185.32
Book Value (₹)————————————1,341.0
Face Value (₹)————————————10
P/E————————————20.1
Div Yield %————————————0.97
NPM %—15.113.213.713.330.117.823.025.227.225.621.921.0
OPM %—————————————
D/E—5.014.474.203.734.005.384.724.134.304.724.634.68
P/B————————————3.1

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+7.0%
5 years+13.0%
3 years+21.0%
TTM+14.0%
Compounded profit growth
10 years+14.0%
5 years+13.0%
3 years+17.0%
TTM+19.0%
Stock price CAGR
10 years+13.0%
5 years+11.0%
3 years+9.0%
Last year−7.0%
Return on equity
10 years15.0%
5 years15.0%
3 years15.0%
Last year15.0%

Shareholding pattern

As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters36.16%36.16%36.05%35.96%36.47%35.93%35.91%38.49%38.49%37.87%37.22%37.21%37.21%
FIIs1.66%1.66%0.00%0.00%7.21%0.00%0.00%9.91%7.78%13.36%19.00%18.97%18.58%
DIIs13.96%13.96%16.91%17.78%11.58%20.90%23.90%14.27%16.87%12.39%7.54%7.69%8.00%
Government—————————————
Public47.32%47.32%46.14%45.39%43.88%42.32%39.38%36.50%36.04%35.58%35.44%35.34%35.43%
No. of shareholders20,75820,75823,63325,84724,65927,30223,57324,14923,65242,28846,07657,27156,309
Change since Jun 2023 (pp)
Promoters +1.05FIIs +16.92DIIs −5.96Public −11.89

Documents

As of 11 Oct 2026
Announcements
UpdatesUpdatesCertificate under SEBI (Depositories and Participants) Regulations, 2018UpdatesUpdates
Annual reports
Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022Annual Report 2017
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Aug 2026PPTMay 2026PPTFeb 2026PPTNov 2025PPTAug 2025PPT

Corporate actions

As of 6 Jul 2026
6 Jul 2026DIVIDENDDividend - Rs 24 Per Share—
6 Feb 2026DIVIDENDInterim Dividend - Rs 16 Per Share—
9 Jul 2025DIVIDENDDividend - Rs 21 Per Share—
7 Feb 2025DIVIDENDInterim Dividend - Rs 14 Per Share—
31 Jul 2024DIVIDENDAnnual General Meeting/Dividend - Rs 16 Per Share—
16 Feb 2024DIVIDENDInterim Dividend - Rs 14 Per Share—
5 Jul 2023DIVIDENDAnnual General Meeting/Dividend - Rs 15 Per Share—
17 Feb 2023DIVIDENDInterim Dividend - Rs 12 Per Share—
8 Jul 2022DIVIDENDAnnual General Meeting/Dividend - Rs 10 Per Share—
17 Feb 2022DIVIDENDInterim Dividend - Rs 10 Per Share—
24 Aug 2021DIVIDEND Annual General Meeting/Dividend - Rs 6 Per Share—
2 Feb 2021DIVIDEND Interim Dividend - Rs 12 Per Share—
2 Jul 2020DIVIDEND Annual General Meeting/Dividend - Rs 3 Per Share—
18 Feb 2020DIVIDEND Interim Dividend - Rs 10 Per Share—
11 Feb 2019DIVIDEND Interim Dividend - Rs 5 Per Sh—
4 Jul 2018DIVIDEND Annual General Meeting/Dividend- Rs 7 Per Share—
10 May 2018DIVIDEND Interim Dividend Rs 5/- Per Share—
1 Feb 2018DEMERGER Scheme Of Arrangement—
4 Jul 2017DIVIDEND Annual General Meeting/Dividend - Rs 6.50/- Per Share—
1 Mar 2017DIVIDEND Interim Dividend Rs 5/- Per Share—
5 Jul 2016DIVIDEND Annual General Meeting/ Dividend - Re 1/- Per Share—
17 Mar 2016DIVIDEND Interim Dividend - Rs 5.50/- Per Share—
9 Feb 2016DIVIDEND Interim Dividend Rs 4.50 Per Share—
7 Jul 2015DIVIDENDAnnual General Meeting / Dividend - Rs 6/- Per Share—
10 Feb 2015DIVIDENDInterim Dividend - Rs 4.50/- Per Share—
7 Jul 2014DIVIDENDAnnual General Meeting / Dividend - Rs 10/- Per Share—
2 Jul 2013DIVIDENDAnnual General Meeting/Dividend Rs 4.50 Per Share—
14 Feb 2013DIVIDENDInterim Dividend Rs 4.50 Per Share (Purpose Revised)—
13 Dec 2012BONUSBonus 1:1—
28 Jun 2012DIVIDENDAnnual General Meeting/Dividend Rs 8 Per Share—
1 Feb 2012DIVIDENDInterim Dividend Rs.7.50 Per Share (Purpose Revised)—
29 Jun 2011DIVIDENDAnnual General Meeting And Dividend Rs.7/- Per Share—
2 Feb 2011DIVIDENDInterim Dividend-Rs.7/- Per Share (Purpose Revised)—
30 Jun 2010DIVIDENDAnnual General Meeting And Final Dividend Rs.4/- Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman