Sundaram Finance Holdings Ltd. (SUNDARMHLD) AI Stock Analysis

• Market Cap: ₹10.74B
• Dividend Yield: N/A
• Average Volume (3M): N/A
• Price to Earnings (P/E): ―
• Beta (1Y): N/A
• Revenue Growth: 61.59%
• EPS Growth: -17.60%
• Country: IN
• Employees: 193
• Sector: Financial
• Sector Strength: 70
• Industry: Specialty Business Services
• EPS (TTM): 4.53
• Shares Outstanding: 222,103,870
• 10 Day Avg. Volume: N/A
• 30 Day Avg. Volume: N/A
• PEG Ratio: -0.73
• Price to Book (P/B): 1.22
• Price to Sales (P/S): 44.29
• P/FCF Ratio: 37.97
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: ―

The overall stock score is primarily influenced by the company's stable financial performance, characterized by strong profitability and cash flow metrics, despite a recent revenue decline. Technical analysis is neutral due to lack of data, while valuation, earnings call, and corporate events are excluded due to missing information.

Positive Factors

Strong Cash Flow Management

Efficient conversion of income into cash ensures the company can fund operations and investments, supporting long-term growth and stability.

Low Leverage

Low leverage reduces financial risk and enhances the company's ability to weather economic downturns, contributing to long-term financial health.

Rebranding Strategy

The rebranding reflects a strategic shift, potentially enhancing market identity and aligning the company with future growth opportunities.

Negative Factors

Revenue Decline

A substantial revenue drop can impact profitability and limit the company's ability to reinvest in growth, posing a risk to long-term performance.

EPS Decline

A decline in earnings per share suggests challenges in maintaining profitability, which could affect investor confidence and future capital raising.

Free Cash Flow Growth Decline

Reduced growth in free cash flow may limit the company's ability to fund new projects and return capital to shareholders, affecting long-term growth.

Sundaram Finance Holdings Ltd. Business Overview & Revenue Model

Company Description

Sundaram Finance Holdings Ltd. (SUNDARMHLD) is a diversified financial services company based in India, primarily engaged in providing a wide range of financial products and services. The company operates in sectors including asset management, insurance, and financial services, with core offerings encompassing vehicle financing, mutual funds, insurance products, and investment advisory services. With a strong presence in the Indian market, Sundaram Finance Holdings aims to cater to the financial needs of individuals and businesses alike, leveraging its extensive network and expertise in the financial domain.

How the Company Makes Money

Sundaram Finance Holdings generates revenue through multiple key streams. The primary source of income comes from interest earned on vehicle loans and financing services, as it provides loans for purchasing commercial and personal vehicles. Additionally, the company earns fees and commissions from its asset management segment, which includes mutual funds and portfolio management services. Insurance premiums and investment returns from its insurance operations also contribute significantly to its revenue. The company benefits from strategic partnerships with various banks and financial institutions, enhancing its distribution capabilities and customer reach. Overall, its diversified portfolio allows Sundaram Finance Holdings to capitalize on various market segments, ensuring steady revenue generation.

Sundaram Finance Holdings Ltd. Financial Statement Overview

Summary

Sundaram Finance Holdings Ltd. demonstrates strong financial health with robust profitability and low financial leverage. Despite some volatility in revenue and free cash flow growth, the company's stable operations and strong balance sheet provide a solid foundation for future growth.

Income Statement

Sundaram Finance Holdings Ltd. exhibits strong profitability with a high net profit margin due to substantial net income relative to revenue. However, recent revenue growth has been inconsistent, with fluctuations in annual revenue figures.

Balance Sheet

The company maintains a robust financial position with a very low debt-to-equity ratio, indicating low financial leverage. Its high equity ratio signifies strong financial stability and substantial shareholder equity relative to total assets.

Cash Flow

Operating cash flow has shown consistent growth, but the free cash flow growth rate is volatile. The company maintains a healthy operating cash flow to net income ratio, indicating efficient cash generation from operations.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.55B	1.55B	2.91B	910.20M	839.04M	602.65M
Gross Profit	1.29B	1.29B	2.59B	597.74M	450.57M	248.07M
EBITDA	1.17B	1.16B	2.43B	469.00M	294.55M	131.24M
Net Income	4.12B	4.12B	5.33B	2.38B	1.63B	738.79M
Balance Sheet
Total Assets	58.37B	58.37B	49.48B	36.35B	30.96B	23.06B
Cash, Cash Equivalents and Short-Term Investments	159.19M	159.19M	1.82B	4.67B	2.17B	113.43M
Total Debt	160.97M	160.97M	179.05M	182.51M	31.87M	36.00M
Total Liabilities	2.30B	2.30B	1.55B	645.06M	934.56M	1.11B
Stockholders Equity	56.07B	56.07B	47.93B	35.70B	30.02B	21.95B
Cash Flow
Free Cash Flow	0.00	1.81B	1.32B	819.67M	294.96M	177.45M
Operating Cash Flow	0.00	1.82B	1.32B	1.00B	298.57M	189.26M
Investing Cash Flow	0.00	-1.41B	1.36B	-252.38M	-3.45B	-96.38M
Financing Cash Flow	0.00	-2.11B	-1.03B	-729.44M	3.19B	-79.31M

Sundaram Finance Holdings Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MUTHOOTFIN	74 Outperform	₹1.52T	20.79	―	0.69%	41.32%	56.12%
SUNDARMHLD	69 Neutral	₹10.74B	―	―	―	61.59%	-17.60%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LICHSGFIN	55 Neutral	₹292.77B	5.30	―	1.87%	4.79%	13.08%
MANAPPURAM	49 Neutral	₹247.54B	55.11	―	0.85%	-3.68%	-80.12%

Sundaram Finance Holdings Ltd. Corporate Events

Sundaram Finance Holdings Rebrands as TSF Investments

Sundaram Finance Holdings Limited has officially changed its name to TSF Investments Limited, following approval from the Ministry of Corporate Affairs. This change, effective from September 23, 2025, involves an amendment to the company’s Memorandum and Articles of Association to reflect the new name. The rebranding signifies a strategic shift and may impact the company’s market identity and stakeholder perceptions, although it does not affect the rights and liabilities of stakeholders.