Sundaram Finance

Market Cap (₹ Cr.)

₹55,312

52 Week High

5,166.00

Book Value

₹997

52 Week Low

2,685.00

PE Ratio

35.44

PB Ratio

4.99

PE for Sector

33.71

PB for Sector

2.87

ROE

12.84 %

ROCE

8.67 %

Dividend Yield

0.60 %

EPS

₹140.47

Industry

Finance

Sector

Finance & Investments

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

31.41 %

Net Income Growth

10.98 %

Cash Flow Change

-30.47 %

ROE

26.71 %

ROCE

14.02 %

EBITDA Margin (Avg.)

1.01 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	588	571	672	613	619	562	621	624	631	620	691	733	808	855	821	863	1,481	933	1,058	982	954	952	998	1,046	1,018	956	1,025	961	948	942	1,052	1,011	1,105	1,194	1,378	1,352	1,704	1,476
Expenses	142	117	126	120	127	119	113	114	124	144	128	126	195	235	150	151	177	184	191	209	252	193	211	201	251	228	315	258	139	222	205	209	181	258	258	233	341	281
EBITDA	446	454	546	493	493	442	508	509	507	476	563	607	613	619	672	712	1,305	749	867	773	701	759	787	845	767	727	710	704	809	719	847	802	924	936	1,120	1,118	1,363	1,195
Operating Profit %	75 %	79 %	78 %	80 %	78 %	79 %	81 %	81 %	79 %	77 %	81 %	82 %	75 %	72 %	82 %	82 %	80 %	80 %	81 %	79 %	73 %	80 %	79 %	81 %	74 %	76 %	69 %	73 %	85 %	76 %	80 %	79 %	83 %	78 %	81 %	83 %	78 %	81 %
Depreciation	24	20	21	21	22	19	20	21	22	18	15	15	16	13	13	14	14	16	18	19	20	16	17	18	19	16	18	19	20	19	22	25	28	27	31	35	39	36
Interest	302	289	305	324	300	291	303	288	283	288	318	349	391	395	426	471	475	496	527	533	516	523	515	507	485	459	413	417	411	404	426	458	491	544	613	694	724	757
Profit Before Tax	121	145	220	147	171	133	184	201	202	170	230	243	207	212	233	227	816	237	322	221	166	219	254	320	263	253	278	267	378	297	399	319	405	365	476	390	600	402
Tax	30	46	66	45	45	49	60	65	46	63	63	92	57	73	84	63	172	90	44	61	64	78	71	65	75	94	89	63	50	95	91	68	66	90	122	87	103	105
Net Profit	91	99	154	102	122	90	128	138	139	112	153	161	138	141	154	157	675	158	269	167	131	166	192	242	209	192	211	202	299	226	304	243	316	281	366	300	506	308
EPS in ₹	8.16	8.91	13.86	9.20	10.99	8.12	11.49	12.44	12.53	10.06	13.78	14.46	12.41	12.67	13.89	14.09	60.73	14.18	24.21	14.99	11.78	14.91	17.28	21.80	18.83	17.24	18.96	18.22	26.89	20.32	27.32	21.84	28.47	25.32	32.97	27.01	45.57	27.69

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	16,761	17,393	19,168	25,811	30,649	33,420	34,920	35,288	41,059	50,988
Fixed Assets	309	276	276	294	305	360	331	360	513	657
Current Assets	8,058	7,570	8,027	1,253	1,126	954	1,036	1,023	1,555	1,855
Capital Work in Progress	2	3	1	0	0	0	0	0	1	1
Investments	464	332	226	2,207	1,866	3,938	4,052	5,319	5,063	6,383
Other Assets	15,987	16,783	18,665	23,310	28,478	29,122	30,537	29,608	35,483	43,947
Total Liabilities	13,783	14,080	15,422	21,677	25,605	27,872	28,740	28,394	33,321	41,516
Current Liabilities	6,988	8,970	9,107	5,210	3,454	4,715	3,268	2,755	5,079	4,613
Non Current Liabilities	6,795	5,110	6,315	16,467	22,151	23,157	25,472	25,640	28,242	36,903
Total Equity	2,978	3,313	3,746	4,134	5,044	5,547	6,179	6,893	7,737	9,472
Reserve & Surplus	2,867	3,202	3,635	4,023	4,933	5,436	6,068	6,782	7,626	9,361
Share Capital	111	111	111	111	111	111	111	111	111	111

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-28	-4	1	36	3	-111	83	-24	59	387
Investing Activities	482	-175	-190	-367	1,028	-1,734	82	-1,077	467	246
Operating Activities	-1,082	313	-1,025	-6,057	-4,278	304	-251	1,739	-4,981	-7,223
Financing Activities	571	-141	1,215	6,460	3,254	1,319	253	-687	4,573	7,363

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	35.90 %	35.90 %	35.89 %	35.89 %	38.49 %	38.49 %	38.49 %	38.49 %	38.49 %	38.49 %	38.49 %	37.88 %	37.87 %	37.86 %
FIIs	13.00 %	13.21 %	13.17 %	12.43 %	9.91 %	7.83 %	7.57 %	7.69 %	7.78 %	7.78 %	8.35 %	8.31 %	13.36 %	17.31 %
DIIs	10.89 %	10.90 %	11.01 %	11.75 %	14.27 %	16.22 %	16.70 %	16.80 %	16.87 %	16.94 %	16.55 %	16.84 %	12.39 %	8.88 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	39.38 %	39.17 %	39.10 %	39.10 %	36.50 %	36.63 %	36.41 %	36.20 %	36.04 %	35.97 %	35.80 %	36.16 %	35.58 %	35.14 %

Show % Change

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Finance	7,590.35	4,55,813.41	30.54	54,982.51	32.75	14,451	13.82	64.95
Bajaj Finserv	1,890.40	2,95,143.00	35.38	1,10,383.00	34.50	15,595	13.48	69.67
Jio Financial Services	346.65	2,23,413.23	140.66	1,854.68	4,036.22	1,605	-5.81	54.90
Cholamandalam Investment	1,596.30	1,32,233.08	36.15	19,419.87	48.18	3,411	33.41	69.55
Shriram Finance	3,525.35	1,28,736.84	17.02	36,412.99	19.35	7,391	18.60	71.42
Bajaj Holdings & Investments	10,766.90	1,15,398.27	15.46	1,713.46	224.92	7,365	14.04	65.53
HDFC AMC	4,389.80	94,535.56	45.69	3,163.39	27.42	1,943	26.47	52.57
Muthoot Finance	2,035.45	81,155.93	18.17	15,162.74	26.62	4,468	14.45	65.67
SBI Cards	795.15	75,375.96	31.29	17,483.48	22.39	2,408	0.19	63.99
Aditya Birla Capital	229.54	58,639.83	17.03	34,560.58	14.43	3,439	17.06	60.25