Sundaram Finance Limited (IN:SUNDARMFIN)
:SUNDARMFIN
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Sundaram Finance Limited
(SUNDARMFIN)
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Rating:62Neutral
Price Target:
₹5,378.00
▲(2.43% Upside)
Action:ReiteratedDate:10/31/25
Sundaram Finance Limited's overall stock score is driven primarily by its strong revenue growth and operational efficiency, despite challenges in profitability margins and cash flow management. The technical analysis indicates short-term bullish momentum, but medium to long-term resistance. Valuation metrics suggest moderate pricing, with a low dividend yield. The absence of earnings call and corporate events data limits further insights.
Positive Factors
Consistent Revenue Growth
Sustained top-line growth (13.9%/16.5% in latest year) indicates expanding loan originations and market demand for vehicle and asset-backed finance. Durable revenue expansion supports scale benefits, fee income diversification and the capacity to absorb cyclical credit shocks over months.
Negative Factors
High Leverage
A near 4x debt-to-equity ratio creates structural funding and interest-rate sensitivity for an NBFC whose business depends on market borrowing. Elevated leverage narrows buffers against credit losses, constrains financial flexibility and raises refinancing risk across medium-term funding cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Sustained top-line growth (13.9%/16.5% in latest year) indicates expanding loan originations and market demand for vehicle and asset-backed finance. Durable revenue expansion supports scale benefits, fee income diversification and the capacity to absorb cyclical credit shocks over months.
Read all positive factors
Sundaram Finance Limited (SUNDARMFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹548.19B
Dividend Yield0.71%
Average Volume (3M)2.07K
Price to Earnings (P/E)26.9
Beta (1Y)1.12
Revenue Growth15.31%
EPS Growth25.88%
CountryIN
Employees5,059
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)36.26
Shares Outstanding111,103,860
10 Day Avg. Volume1,586
30 Day Avg. Volume2,070
Financial Highlights & Ratios
PEG Ratio0.86
Price to Book (P/B)3.77
Price to Sales (P/S)5.97
P/FCF Ratio-5.51
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹6,200.00Price Target Upside18.08% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)191.96
Revenue Forecast (FY)₹46.29B
Sundaram Finance Limited Business Overview & Revenue Model
Company Description
Sundaram Finance Limited provides a range of financial services 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 equipm...
How the Company Makes Money
Sundaram Finance primarily makes money by lending and earning interest and fees on financing products. Its main revenue engine is net interest income: the company raises funds (e.g., via bank borrowings, debt securities, and other funding sources ...
Sundaram Finance Limited Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
65
Positive
Cash Flow
40
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 90.60B | 83.38B | 69.78B | 53.21B | 50.30B | 51.91B |
| Gross Profit | 45.32B | 42.14B | 36.28B | 29.53B | 27.82B | 25.32B |
| EBITDA | 29.55B | 26.70B | 21.44B | 18.50B | 15.18B | 14.23B |
| Net Income | 19.72B | 18.79B | 14.36B | 13.28B | 11.73B | 11.65B |
Balance Sheet | ||||||
| Total Assets | 822.16B | 753.37B | 642.76B | 560.66B | 481.54B | 465.93B |
| Cash, Cash Equivalents and Short-Term Investments | 17.30B | 11.47B | 15.03B | 11.45B | 2.06B | 2.36B |
| Total Debt | 570.03B | 524.06B | 443.52B | 358.81B | 302.07B | 305.30B |
| Total Liabilities | 670.87B | 621.40B | 531.98B | 434.27B | 370.65B | 371.42B |
| Stockholders Equity | 151.29B | 131.97B | 110.78B | 99.10B | 87.95B | 77.30B |
Cash Flow | ||||||
| Free Cash Flow | -30.89B | -90.31B | -85.69B | -65.30B | 15.86B | 4.35B |
| Operating Cash Flow | -30.64B | -89.85B | -84.86B | -65.04B | 18.62B | 4.50B |
| Investing Cash Flow | -11.99B | 9.31B | 889.00M | 6.68B | -16.78B | -2.43B |
| Financing Cash Flow | 41.55B | 78.21B | 87.54B | 58.90B | -2.00B | -1.22B |
Sundaram Finance Limited Technical Analysis
Neutral
5250.65
Price Trends
5138.21
Negative
5030.75
Negative
4870.37
Positive
Market Momentum
-114.37
Negative
51.14
Neutral
89.41
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SUNDARMFIN, the sentiment is Neutral. The current price of 5250.65 is above the 20-day moving average (MA) of 4818.61, above the 50-day MA of 5138.21, and above the 200-day MA of 4870.37, indicating a neutral trend. The MACD of -114.37 indicates Negative momentum. The RSI at 51.14 is Neutral, neither overbought nor oversold. The STOCH value of 89.41 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:SUNDARMFIN.
Sundaram Finance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹542.49B | 6.63 | ― | 2.60% | 18.36% | 14.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹468.76B | 22.71 | ― | 0.57% | -14.24% | -40.53% | |
62 Neutral | ₹548.19B | 26.89 | ― | 0.71% | 15.31% | 25.88% | |
59 Neutral | ₹571.06B | 390.61 | ― | ― | -16.19% | -53.19% | |
55 Neutral | ₹154.33B | -220.42 | ― | ― | -12.62% | 175.71% | |
55 Neutral | ₹292.25B | 5.31 | ― | 1.87% | 4.79% | 13.08% |
* Financial Sector Average
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Sundaram Finance Limited Corporate Events
Sundaram Finance Board Clears Plan to Raise ₹17,000 Crore via NCDs in FY 2026-27
Mar 27, 2026
Sundaram Finance Limited’s board has approved a plan to raise up to ₹17,000 crore in the financial year 2026-27 through the issuance of non-convertible debentures on a private placement basis, executed in one or more tranches. This sub...
Sundaram Finance Appoints Strategy Head to Bolster Senior Management
Mar 27, 2026
Sundaram Finance has strengthened its senior leadership by appointing V. Muralidharan as Senior General Manager and Head of Strategy and Planning, effective 5 March 2026. The appointment, approved by the board following a recommendation from the N...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.