SUNDARMFIN
Sundaram Finance Limited (SUNDARMFIN) Stock Analysis
Sundaram Finance Limited is a leading NBFC providing vehicle finance, equipment leasing, and consumer credit in India. It finances cars, commercial vehicles, and construction equipment with conservative underwriting and strong service. The company is part of the TVS group with decades of retail finance experience. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹4,236.80
+2.99% 1W | -6.20% 52W
Market Cap
46.7k CR
P/E Ratio
21
52W High
₹5642
52W Low
₹4000
Div. Yield
0.95%
Beta
0.2
50 DMA
₹4511.7
200 DMA
₹4722.7
Profit Margin
46.1%
Inst. Own.
16.7%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,582 | 1,708 | 1,821 | 2,156 | 1,952 | 2,085 | 2,190 | 2,259 | 2,349 | 2,386 | 2,514 | 2,560 | 2,644 |
| Interest | 739 | 821 | 910 | 948 | 985 | 1,050 | 1,087 | 1,104 | 1,163 | 1,176 | 1,209 | 1,197 | 1,247 |
| Expenses | 382 | 375 | 351 | 524 | 402 | 436 | 462 | 368 | 559 | 515 | 509 | 544 | 580 |
| Financing Profit | 461 | 512 | 561 | 684 | 565 | 599 | 642 | 787 | 627 | 695 | 796 | 820 | 818 |
| Financing Margin % | 29% | 30% | 31% | 32% | 29% | 29% | 29% | 35% | 27% | 29% | 32% | 32% | 31% |
| Other Income | 8 | 2 | 7 | -90 | 8 | 11 | 17 | 41 | 4 | 15 | -51 | 20 | 9 |
| Depreciation | 39 | 44 | 48 | 53 | 48 | 53 | 58 | 63 | 56 | 60 | 63 | 67 | 60 |
| Profit before tax | 430 | 471 | 520 | 541 | 525 | 557 | 601 | 765 | 575 | 650 | 682 | 773 | 767 |
| Tax % | 28% | 30% | 23% | 28% | 23% | 27% | 25% | 28% | 28% | 24% | 23% | 25% | 26% |
| Net Profit | 429 | 435 | 506 | 472 | 435 | 436 | 455 | 553 | 475 | 488 | 541 | 554 | 636 |
| EPS in Rs | 33.77 | 32.89 | 38.47 | 24.11 | 39.14 | 39.26 | 41.00 | 49.77 | 42.77 | 43.94 | 48.73 | 49.88 | 57.26 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,285 | 5,027 | 5,588 | 6,331 | 3,696 | 4,707 | 5,292 | 5,111 | 5,501 | 7,274 | 8,513 | 9,852 | 10,104 |
| Interest | 1,782 | 1,814 | 1,735 | 1,344 | 1,770 | 2,427 | 2,659 | 2,236 | 2,410 | 3,418 | 4,226 | 4,745 | 4,829 |
| Expenses | 1,505 | 2,221 | 2,735 | 3,906 | 932 | 1,222 | 1,235 | 1,392 | 1,285 | 1,632 | 1,667 | 2,126 | 2,147 |
| Financing Profit | 999 | 992 | 1,118 | 1,080 | 994 | 1,057 | 1,398 | 1,483 | 1,806 | 2,224 | 2,620 | 2,980 | 3,128 |
| Financing Margin % | 23% | 20% | 20% | 17% | 27% | 22% | 26% | 29% | 33% | 31% | 31% | 30% | 31% |
| Other Income | -27 | 7 | 8 | 13 | 482 | 48 | 24 | 35 | 43 | -80 | 50 | -54 | -6 |
| Depreciation | 112 | 106 | 104 | 79 | 58 | 90 | 93 | 101 | 139 | 183 | 223 | 246 | 249 |
| Profit before tax | 860 | 893 | 1,022 | 1,014 | 1,418 | 1,016 | 1,330 | 1,417 | 1,711 | 1,961 | 2,447 | 2,681 | 2,872 |
| Tax % | 33% | 34% | 34% | 34% | 27% | 21% | 25% | 25% | 25% | 27% | 26% | 25% | |
| Net Profit | 644 | 662 | 768 | 843 | 1,258 | 845 | 1,223 | 1,296 | 1,510 | 1,842 | 1,879 | 2,059 | 2,220 |
| EPS in Rs | 51.83 | 52.49 | 61.52 | 65.70 | 104.49 | 71.25 | 104.87 | 105.61 | 119.51 | 129.25 | 169.17 | 185.32 | 199.81 |
| Dividend Payout % | 20% | 21% | 19% | 18% | 17% | 18% | 17% | 19% | 22% | 23% | 21% | 21% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 21.0% | 13.0% | 7.0% |
| Profit CAGR | 17.0% | 13.0% | 14.0% |
Shareholding Pattern
Promoters37.22%
FIIs19.06%
DIIs7.37%
Public35.55%
Promoters37.21%
FIIs19.13%
DIIs7.43%
Public35.43%
Promoters37.21%
FIIs18.97%
DIIs7.69%
Public35.34%
Promoters37.21%
FIIs18.58%
DIIs8.00%
Public35.43%
Promoters37.19%
FIIs17.99%
DIIs8.88%
Public35.15%
Promoters38.49%
FIIs7.78%
DIIs16.87%
Public36.04%
Promoters37.87%
FIIs13.36%
DIIs12.39%
Public35.58%
Promoters37.22%
FIIs19.00%
DIIs7.54%
Public35.44%
Promoters37.21%
FIIs18.97%
DIIs7.69%
Public35.34%
Promoters37.19%
FIIs17.99%
DIIs8.88%
Public35.15%
SUNDARMFIN
Holdings Analysis
Key strengths & risk signals
62
Overall
70
Fundamental
55
Technical
Risks (4)
VERY HIGH DEBT! D/E of 3.98 - significant risk.
WEAK POSITION! Current price (4236.8) is below both moving averages.
WEAK! Trading at 14.4% of 52W range - near yearly lows.
BEARISH TREND! 50-day average (4511.7) is below 200-day average (4722.7) - negative signal.
Strengths (4)
EXCELLENT EFFICIENCY! 46.1% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 48,493 vs down days: 39,832. Ratio: 1.22x
APPROACHING OVERSOLD! RSI at 39.5 - watch for reversal.
Fundamental & Technical Analysis
62Overall
70Fundamental
55Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 18.6% (VERY GOOD, 13/15). Profit CAGR: 15.7% (VERY GOOD, 13/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 46.1% profit margin - company keeps strong profits.
PEG Valuation
9/10
FAIRLY VALUED! PEG of 1.34 indicates reasonable valuation.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.95% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.98 - significant risk.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 35.97% public ownership - moderate retail influence.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (4511.7) is below 200-day average (4722.7) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (4236.8) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
3/10
WEAK YEAR! Stock declined 6.2% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 48,493 vs down days: 39,832. Ratio: 1.22x
RSI
4/5
APPROACHING OVERSOLD! RSI at 39.5 - watch for reversal.
52W Range
1/5
WEAK! Trading at 14.4% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 3.0% (1 week), -9.3% (1 month), -4.4% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SUNDARMFIN | ₹4,236.80 | 21 | 46.1% | 18.6% | 15.7% | -6.2% | 62 | BREAKDOWN | +33.9% | +14.8% | +18.1% | +1.6% |
| PIRAMALFIN | ₹1,950.30 | 26.3 | 32.2% | 16.9% | – | +47.5% | 54 | BREAKDOWN | +66.1% | -8.3% | +28.0% | +7.5% |
| M&MFIN | ₹311.60 | 13.3 | 30.9% | 13.3% | 11.3% | +5.3% | 72 | BOUNCE FROM SUPPORT | +75.4% | -1.3% | +20.9% | +0.2% |
| HDBFS | ₹512.60 | 14.4 | 30.7% | 14.0% | 9.1% | -26.2% | 78 | BREAKDOWN | +38.3% | +4.6% | +10.9% | +4.0% |
| SBICARD | ₹564.20 | 23.6 | 18.2% | 13.5% | -1.4% | -38.7% | 54 | CONSOLIDATING DOWN | +19.5% | +9.0% | +0.7% | 0.0% |
| POONAWALLA | ₹448.90 | 35.1 | 26.7% | 24.0% | 24.0% | -16.9% | 76 | BOUNCE FROM SUPPORT | – | +21.9% | +82.4% | +12.1% |
| HUDCO | ₹161.10 | 7.6 | 90.7% | 10.0% | 33.3% | -28.3% | 73 | BREAKOUT | +35.1% | -57.0% | +37.4% | +58.0% |
| IREDA | ₹108.80 | 15.5 | 69.3% | 34.5% | 29.4% | -29.3% | 68 | APPROACHING RESISTANCE | +37.1% | -31.3% | +16.2% | +4.0% |
Data from TradeAlone · Updated daily
SUNDARMFIN News
Sundaram Finance Limited Q1 FY27: Disbursements Up 22%, AUM Grows 17%2026-08-03Sundaram Finance Limited (SUNDARMFIN) +7%: Approaching Resistance2026-06-15Sundaram Finance Limited (SUNDARMFIN) surges 8.25% on breakout move2026-06-15Sundaram Finance Limited FY26 Results: Disbursements Surge, AUM Grows2026-05-25
