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SUNDARMFIN · NSE · Non Banking Financial Company (NBFC)

Sundaram Finance Ltd

What the numbers mean, from its filings and the exchange. Data as of 12 Oct 2026.
Mid Cap · AMFI list Jan-Jun 2026 · Vendor sector: Financial Services
fair low confidence No valuation within 120 days; P/E 20.4 vs peers 20.6 (7th of 14); P/B 3.8 vs peers 2.4 (13th of 14).
Statements through FY2026Prices adjusted for 2 corporate actionsNot yet reviewed by the adversarial model

What is Sundaram Finance's share price today?

Sundaram Finance last traded at ₹4,182.00 on the NSE, as of 12 Oct 2026, 11:00 pm IST, up 1.7% on the day, down 7.1% over a year. Its 52-week range is ₹4,000 to ₹5,642. The live price is in the app.

₹4,182.00 +1.7% today
−7.1% over 1 year · NSE, as of 12 Oct 2026, 11:00 pm IST
60 month-end closes, 31 Oct 2021 to 30 Sep 2026, adjusted for splits and bonuses
52-week range11% of the way up
Low ₹4,000High ₹5,642

What is Sundaram Finance's market cap?

Sundaram Finance's market capitalisation is about ₹45,704 crore: what it would cost to buy every share at today's price. That makes it the 107th largest mid cap company we cover.

₹45,704 Cr Mid Cap107th largest mid cap company
Mid Cap means the companies ranked 101 to 250 by size, under SEBI's rules. Shares in issue are worked out from the market cap and the price. What market cap tells you →

Key facts

From the exchange
Symbol
NSE: SUNDARMFIN
ISIN
INE660A01013
Cap bucket
Mid Cap, 107th largest by market cap
Industry (NSE)
Financial Services › Finance › Non Banking Financial Company (NBFC)
Listed since
1998
Futures and options
Not traded

Is Sundaram Finance overvalued?

Fair, with low confidence: no valuation within 120 days; P/E 20.4 vs peers 20.6 (7th of 14); P/B 3.8 vs peers 2.4 (13th of 14).

Valuation

Latest price and trailing 12 months
P/E 20.43
vs peers 20.6 · 7th of 14
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B 3.82
vs peers 2.4 · 13th of 14
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap ₹45,704 Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield 0.9%
vs peers 0.8% · 4th of 8
Last year's dividends as a share of today's price. Learn more →
PEG (vendor) 0.75
vs peers 2.8 · 4th of 13
P/E divided by the vendor's earnings growth figure, which it does not disclose; a P/E adjusted for how fast profits grow. Learn more →
PEG on our 3-year EPS growth 1.32
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
3 models could be judged
Skipped — Fair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored

Our valuation range

🔒 Pro
Value range, implied growth at today's price, and the nine models behind it: in the app.

Is Sundaram Finance a quality business?

Quality score 51, 6th of 14 in its peer set; CLEAN on 15 of 22 lender flags judged.

Quality and risk

Data as of 12 Oct 2026
Business quality Not available
The kind of business, which sets the yardstick it is judged by. Learn more →
Quality score 51
vs peers 43.1 · 6th of 14
Returns, margins, leverage and consistency against its peers, out of 100. Learn more →
Risk level CLEAN
15 of 22 lender flags judged
From flags on debt, earnings quality, dilution and price swings. Learn more →

Lender scorecard

Statements through FY2026 (Mar-26)
Basis: consolidated accounts, FY2026 (Mar-26) against FY2025; NSE/BSE XBRL, the Q4 results filing; NIM is interest earned less expended over average advances and investments; cost to income is operating expenses over net interest income plus other income; credit cost is FY2026 provisions over average advances (the loan book from the Q4 filing); ROA over average total assets; ROE over average equity
Net interest margin 4.6%
vs peers 8.4% · 12th of 14
What a lender earns on its loans and investments less what it pays for deposits and borrowings, as a share of the assets that earn interest (or of all assets where the split is not filed). Learn more →
Gross NPA Not available
Loans on which repayment has stopped, as a share of all loans, before any provision against them; from the latest results filing. Learn more →
Net NPA Not available
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage Not available
How much of the gross bad loans has already been provided for. Learn more →
Credit cost 0.8%
vs peers 1.8% · 3rd of 13
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income 50.6%
vs peers 55.3% · 6th of 14
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets 2.6%
vs peers 2.3% · 6th of 14
Profit as a share of average total assets. Learn more →
CET1 ratio Not available
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY 13.3%
vs peers 28.1% · 7th of 10
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY 2.3%
Growth in deposits over the latest fiscal year. Learn more →
CASA ratio Not available
Current and savings account balances as a share of all deposits. Learn more →
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Has Sundaram Finance made money for shareholders?

Mixed: −7.1% over one year and +12.2% a year over five years.

Shareholder returns

1-year return −7.1%
Price only
What the share price did over the last 12 months. Learn more →
5-year return +12.2% a year
Price only
Yearly average price return over five years, bonuses and splits adjusted. Learn more →
Wealth destroyer No
Five-year total return — price CAGR on bonus- and split-adjusted closes plus the dividend yield — below the 7% a bank fixed deposit paid. Learn more →

Returns

3Y and 5Y are yearly averages
1W
−3.6%
1M
−12.4%
3M
−9.2%
6M
−14.4%
1Y
−7.1%
3Y
+11.1%
5Y
+12.2%

Does Sundaram Finance pay a dividend?

Yes. Sundaram Finance's dividend yield is 0.91% at the latest price; the last payout was ₹24.00 a share, ex-dividend 6 Jul 2026.

Dividends

Per share, by ex-dividend date
Dividend yield0.91%
The past 12 months' dividends as a share of today's price.
6 Jul 2026 · Final₹24.00
6 Feb 2026 · Interim₹16.00
9 Jul 2025 · Final₹21.00
7 Feb 2025 · Interim₹14.00
31 Jul 2024 · Final₹16.00
Payout ratio🔒 In the app
The share of profit paid out as dividends; a very high share leaves little to reinvest.
Dividend growth, 5 years🔒 In the app
How fast the dividend per share has grown a year.
Years without a miss🔒 In the app
How many years in a row a dividend has been paid.

Is Sundaram Finance growing?

Loan growth 13.3%; deposit growth 2.3%; revenue 3 years 21.2% a year.

Growth

Statements through FY2026 (Mar-26)
Loan growth 13.3%
vs peers 28.1% · 7th of 10
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth 2.3%
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years 21.2% a year
vs peers 26.3% · 8th of 14
Compound annual growth of revenue over three years. Learn more →
EPS 3 years 15.4% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years 14.6% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years 11.9% a year
Growth in earnings per share over five years, so dilution counts against the company. Learn more →

How did Sundaram Finance do last quarter?

Sundaram Finance reported income of ₹2,653 Cr, up 15.7% on a year earlier and a net profit of ₹569 Cr, up 10.6% in the Jun 2026 quarter.

Latest quarter

Jun 2026
Income, latest quarter₹2,653 Cr
+15.7% on a year earlier
What the company took in over the quarter.
Net profit, latest quarter₹569 Cr
+10.6% on a year earlier
What was left for shareholders after every cost and tax.

How does Sundaram Finance compare with its peers?

Compared with 13 Non Banking Financial Company (NBFC); 7th of 14 on P/E; 6th of 14 on quality score.

Compared with 13 Non Banking Financial Company (NBFC)

13 companies

Sundaram Finance against its peers

Largest 10 of 13 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
Sundaram Finance Ltd₹45,704 Cr20.43.815.4%−7.1%
Cholamandalam Investment & Finance Company Ltd₹1.4 L Cr23.43.819.3%−3.6%
Tata Capital Ltd₹1.4 L Cr24.73.49.6%−3.6%
Muthoot Finance Ltd₹1.1 L Cr9.33.430.6%−18.3%
SBI Cards & Payment Services Ltd₹53,482 Cr23.53.814.7%−39.0%
HDB Financial Services Ltd₹48,905 Cr17.72.213.9%−20.4%
Authum Investment & Infrastructure Ltd₹46,682 Cr22.22.513.2%−13.6%
Piramal Finance Ltd₹46,645 Cr26.41.55.5%+49.0%
Mahindra & Mahindra Financial Services Ltd₹44,410 Cr13.71.612.5%+12.4%
Poonawalla Fincorp Ltd₹39,389 Cr34.92.95.9%−15.3%
Manappuram Finance Ltd₹29,570 Cr19.21.511.0%+9.9%
Peer median—20.62.413.9%−3.6%
Market cap in rupees crore; P/E and P/B on the latest price; 1Y is the price return over a year. A dash is a figure that does not apply or is not reported.

Full peer comparison

🔒 Pro
Every peer, every figure, the ranks and the quality and forensic scores side by side: in the app.

Who owns Sundaram Finance?

Sundaram Finance is held by promoters 37.2%, foreign institutions 18.6%, domestic institutions 8.0%.

Shareholding pattern

Latest filing, percent of shares
Promoters37.2%
The founders and controlling group.
Foreign institutions18.6%
Overseas funds investing through the FPI route.
Domestic institutions8.0%
Indian insurers, banks, pension and mutual funds together.
Mutual funds5.6%
Indian mutual fund schemes; part of domestic institutions.
Retail and others9.2%
Individual investors and everyone else.
Promoter shares pledged🔒 In the app
Promoter shares given as collateral for loans; a high share is a risk to watch.
Holding trend🔒 In the app
Whether promoters, foreign funds and mutual funds have been adding or selling over recent quarters.

What do analysts say about Sundaram Finance?

10 analysts cover Sundaram Finance, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.

Analyst consensus

10 analysts
ConsensusBuy
The rating most covering analysts give the share.
Average target price🔒 In the app
The mean of the analysts' 12-month price targets.
Upside to target🔒 In the app
How far the target sits above or below today's price.
Share rating it a buy🔒 In the app
The share of covering analysts with a buy rating.

What does Sundaram Finance do and what is it sensitive to?

Sundaram Finance Limited is a Non-Banking Financial Company that finances commercial vehicles, cars, multi-utility vehicles, construction equipment, tractors, working capital, leases, SME loans and NBFC funding. Sensitive to: interest rates: 100 bps move.

Business-model card

FY2025 · 36 verified
3Revenue
3Channels
2Regulators
4Reg. dependencies
5Sensitivities
2Costs
3Geographies

Sundaram Finance Limited is a Non-Banking Financial Company that finances commercial vehicles, cars, multi-utility vehicles, construction equipment, tractors, working capital, leases, SME loans and NBFC funding. It earns mainly interest income and serves a broad range of individuals, SMEs, corporates and other customer groups.

Revenue by segment

year ended March 31, 2025 (consolidated, segment reporting note 43.03)
Asset Financing92.1%
Other Operations7.9%

Revenue engine

3 verified
Asset financing: finance for vehicles, equipment, tractors, working capital, leasing, SME and NBFC funding (97.4%)
Interpretation: the business line that generates almost all turnover; the excerpt states that it is 97.42% of total turnover.
Interest income (85.8%)
The largest line in the income-sources breakdown; the excerpt shows it as a share of sources, not as a product price.
Other Operations segment
Interpretation: a second reported segment with its own revenue, assets and capex in the segment table; the excerpt does not describe what it earns on.

Customers & channels

3 verified
Broad retail and business borrower base
The customer base spans individuals, educational institutions, SMEs and corporates, which spreads exposure across borrower types.
Transport and fleet operators, farmers, dealers
Named customer categories for the vehicle and equipment financing the company provides.
Depositors as a stakeholder group
Interpretation: depositors are one of the funding relationships; the excerpt names them among stakeholders and marks them as a vulnerable group.

Regulators

2 verified
Reserve Bank of India
Governs the company's operations as an NBFC under the RBI Act and RBI directions and guidelines.
Reserve Bank of India internal audit requirement
Requires the company to adopt risk-based internal audit policy and operating guidelines.

Regulatory dependencies

4 verified
Related-party brand usage or royalty payments: 5% materiality threshold
Interpretation: a change to the threshold or to the payment terms would change how much related-party royalty cost needs approval.
Safeguard duty and emission norms
Price hikes from emission norms and commodity tariffs could raise equipment prices and lower demand for the MHCE finance the company provides.
EV promotion schemes
Interpretation: these schemes are expected to increase EV adoption, which may increase demand for EV financing.
1 more statement
Personal income tax benefits in the Union Budget
Interpretation: the excerpt expects these to raise urban demand; a change in the tax benefits would change the demand outlook.

Sensitivities

5 verified
Interest rates: 100 bps move
A 100 bps rise reduces profit or loss and equity by 26.16 crore at 31 March 2025; a 100 bps fall increases them by 26.04 crore.
Net interest income for a 1% rate change
A 1% rise in interest rates changes net interest income by ₹ (16.82) Cr as of 31.03.2025, so a rise lowers NII.
Fixed-rate lending against floating or varying-tenor borrowings
Interpretation: the major lending is at fixed rates while funding is fixed or floating, so rate and liquidity mismatches arise and rate moves affect margins.
2 more statements
Monsoon and rural income
Favourable monsoon conditions and procurement lift tractor and farm equipment demand; erratic rainfall and heat weaken it.
Crude oil and commodity prices
Interpretation: lower crude and commodity prices are described as a positive development for the outlook.

Cost inputs

2 verified
Property, plant and equipment purchases
Cash outflow for fixed assets in the investing section; the supplier is not named.
IT infrastructure
Ongoing spend on storage and switches, plus application investment for a new core system.

Geographies

3 verified
National footprint: 21 states
All locations are in India, serving customers across states.
International (No of countries): Nil
No international markets are served, and the company reports no foreign-currency earnings.
Non-manufacturing operations
The company is an NBFC and does not run manufacturing plants.
Each statement is checked word for word against the FY2025 annual report; the passages are in the app.

What changed recently?

Q1 FY2027 results filed (7 Aug 2026).

Change log

8 entries · newest first
  1. Results filedQ1 FY2027 results filed.
  2. Corporate actionDividend - Rs 24 Per Share.
  3. Results filedQ4 FY2026 results filed.
  4. Corporate actionInterim Dividend - Rs 16 Per Share.
  5. Results filedQ3 FY2026 results filed.
  6. Results filedQ2 FY2026 results filed.
  7. Results filedQ1 FY2026 results filed.
  8. Corporate actionDividend - Rs 21 Per Share.
Get alerts →Sign in to be told when any of these change.

What this page does not tell you

What could not be judged, and why. Never empty.
  • Models not runFair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored.
  • FlagsCLEAN on 15 of 22 lender flags judged; no red flag; 7 could not be judged.
  • Data gapsBusiness quality, Gross NPA, Net NPA, Provision coverage, CET1 ratio, CASA ratio: not available yet.
Not applicable to a bank, lender or insurer · 12
  • Altman ZAltman Z reads working capital and sales over assets, which a lender's balance sheet does not have.
  • Piotroski F-scorePiotroski's leverage and liquidity checks read deposits and borrowings as weakness.
  • Beneish M-scoreThe Beneish model reads receivables, margins and depreciation that a lender's accounts do not report.
  • Operating marginInterest is a lender's cost of goods, so operating profit before interest is not defined.
  • Interest coverageInterest is a lender's main cost, not a charge on operating profit.
  • Debt to equityBorrowings and deposits are a lender's raw material; gearing is judged by capital adequacy instead.
  • EV/EBITDAEnterprise value adds borrowings to market cap; for a lender borrowings are the business, not a claim on it.
  • FCF yieldOperating cash flow less capex is not free cash flow for a lender: loan growth sits in operating cash flow.
  • Cash conversion cycleA lender's receivables are its loan book, not invoices waiting to be paid.
  • Asset turnoverA lender earns a spread on its assets, not a turnover of them.
  • ROCEEBIT over capital employed reads a lender's interest income against its borrowings; return on assets and return on equity are the lender's measures.
  • ROCE, 10-year averageEBIT over capital employed reads a lender's interest income against its borrowings; return on assets is the lender's measure (HDFC Bank's 1.7% ten-year ROCE means nothing).

What this page rests on

✓10 years of annual statements, through FY2026 (Mar-26)✓10 quarters of results✓285 months of month-end prices, adjusted for bonuses and splits (2 corporate actions)○no valuation of ours yet✓business-model card FY2025 · 36 verified

Questions people ask

What is Sundaram Finance's share price today?

Sundaram Finance last traded at ₹4,182.00 on the NSE, as of 12 Oct 2026, 11:00 pm IST, up 1.7% on the day, down 7.1% over a year. Its 52-week range is ₹4,000 to ₹5,642. The live price is in the app.

What is Sundaram Finance's market cap?

Sundaram Finance's market capitalisation is about ₹45,704 crore: what it would cost to buy every share at today's price. That makes it the 107th largest mid cap company we cover.

Is Sundaram Finance Ltd a large cap, mid cap or small cap?

Sundaram Finance Ltd (SUNDARMFIN) is a mid cap company in AMFI's classification for Jan-Jun 2026. SEBI's buckets go by rank on six-month average market capitalisation: the top 100 are large caps, 101 to 250 mid caps, the rest small caps.

What is Sundaram Finance Ltd's P/E ratio?

20.43, vs peers 20.6 · 7th of 14. Price divided by last year's earnings per share: how many years of today's profit you pay for.

Is Sundaram Finance Ltd overvalued?

Fair, with low confidence: no valuation within 120 days; P/E 20.4 vs peers 20.6 (7th of 14); P/B 3.8 vs peers 2.4 (13th of 14).

How does Sundaram Finance Ltd make money?

Sundaram Finance Limited is a Non-Banking Financial Company that finances commercial vehicles, cars, multi-utility vehicles, construction equipment, tractors, working capital, leases, SME loans and NBFC funding. It earns mainly interest income and serves a broad range of individuals, SMEs, corporates and other customer groups.

Why is there no Altman Z or debt to equity for Sundaram Finance?

Borrowing is a bank's or lender's raw material, so those ratios mislead. Net interest margin, gross NPA, return on assets and the capital ratios are shown instead.

Who are Sundaram Finance Ltd's peers?

Compared with 13 Non Banking Financial Company (NBFC): Cholamandalam Investment & Finance Company Ltd, Tata Capital Ltd, Muthoot Finance Ltd, SBI Cards & Payment Services Ltd, HDB Financial Services Ltd and 8 more. The app shows how they compare on every figure.

Is this investment advice?

No. Valarth is a research and learning tool and is not a SEBI-registered investment adviser or research analyst. The figures come from the company's filings and the exchanges; what to do with them is your call.

How did Sundaram Finance do last quarter?

Sundaram Finance reported income of ₹2,653 Cr, up 15.7% on a year earlier and a net profit of ₹569 Cr, up 10.6% in the Jun 2026 quarter.

Who owns Sundaram Finance?

Sundaram Finance is held by promoters 37.2%, foreign institutions 18.6%, domestic institutions 8.0%.

Does Sundaram Finance pay a dividend?

Yes. Sundaram Finance's dividend yield is 0.91% at the latest price; the last payout was ₹24.00 a share, ex-dividend 6 Jul 2026.

What do analysts say about Sundaram Finance?

10 analysts cover Sundaram Finance, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.

Everything on Sundaram Finance, and 6,621 other companies, with 212 filters and the full peer tables

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