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Sundaram Finance Limited
(SUNDARMFIN)
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Rating:59Neutral
Price Target:
₹4,903.00
▼(-6.62% Downside)
Action:Reiterated
Date:09/16/26
The score is held back primarily by high balance-sheet leverage and historically unstable cash flow despite a recent rebound, which offsets otherwise strong profitability and steady revenue growth. Technicals are moderately supportive (price above key short/mid-term averages with positive MACD), while valuation is neutral with a modest dividend yield.
Positive Factors
Steady revenue growth and strong profitability
Sustained revenue expansion combined with consistently strong profitability indicates established demand for the lending franchise and effective operating economics. This supports internal capital generation and provides a durable earnings base, although future performance still depends on maintaining credit quality and spreads.
Negative Factors
Elevated and rising leverage
High and recently rising leverage increases sensitivity to funding conditions, credit-cycle deterioration, and changes in borrowing costs. It can amplify returns during strong periods, but also narrows financial flexibility and may constrain the company’s ability to absorb stress while continuing to grow its loan book.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue growth and strong profitability
Sustained revenue expansion combined with consistently strong profitability indicates established demand for the lending franchise and effective operating economics. This supports internal capital generation and provides a durable earnings base, although future performance still depends on maintaining credit quality and spreads.
Read all positive factors
Sundaram Finance Limited (SUNDARMFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹524.63B
Dividend Yield0.85%
Average Volume (3M)6.15K
Price to Earnings (P/E)23.5
Beta (1Y)1.04
Revenue Growth13.67%
EPS Growth15.62%
CountryIN
Employees5,344
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)186.81
Shares Outstanding111,103,860
10 Day Avg. Volume2,788
30 Day Avg. Volume6,154
Financial Highlights & Ratios
PEG Ratio2.45
Price to Book (P/B)3.24
Price to Sales (P/S)4.91
P/FCF Ratio14.37
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)189.5
Revenue Forecast (FY)₹46.59B
Sundaram Finance Limited Business Overview & Revenue Model
Company Description
Sundaram Finance Limited is an established Indian financial institution that delivers a wide array of services. It mobilizes capital through various deposit options, including fixed, cumulative, and non-resident Indian schemes. The company offers ...
How the Company Makes Money
Sundaram Finance primarily makes money by lending and earning a spread between (a) the yield/interest it charges customers on loans and (b) its own cost of funds used to finance those loans. Key revenue streams typically include: (1) Net interest ...
Sundaram Finance Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
52
Neutral
Cash Flow
41
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 98.16B | 83.38B | 69.78B | 53.21B | 50.30B |
| Gross Profit | 44.53B | 42.14B | 36.28B | 29.53B | 27.82B |
| EBITDA | 29.80B | 26.70B | 21.44B | 18.50B | 15.18B |
| Net Income | 20.59B | 18.79B | 14.36B | 13.28B | 11.73B |
Balance Sheet | |||||
| Total Assets | 857.95B | 753.37B | 642.76B | 560.66B | 481.54B |
| Cash, Cash Equivalents and Short-Term Investments | 15.20B | 11.47B | 15.03B | 11.45B | 2.06B |
| Total Debt | 607.63B | 524.06B | 443.52B | 358.81B | 302.07B |
| Total Liabilities | 709.02B | 621.40B | 531.98B | 434.27B | 370.65B |
| Stockholders Equity | 148.94B | 131.97B | 110.78B | 99.10B | 87.95B |
Cash Flow | |||||
| Free Cash Flow | 33.56B | -90.31B | -85.69B | -65.30B | 15.86B |
| Operating Cash Flow | 34.19B | -89.85B | -84.86B | -65.04B | 18.62B |
| Investing Cash Flow | -100.83B | 9.31B | 889.00M | 6.68B | -16.78B |
| Financing Cash Flow | 74.78B | 78.21B | 87.54B | 58.90B | -2.00B |
Sundaram Finance Limited Technical Analysis
Positive
5250.65
Price Trends
4564.53
Positive
4507.42
Positive
4765.12
Negative
Market Momentum
42.62
Negative
59.57
Neutral
39.13
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SUNDARMFIN, the sentiment is Positive. The current price of 5250.65 is above the 20-day moving average (MA) of 4622.98, above the 50-day MA of 4564.53, and above the 200-day MA of 4765.12, indicating a neutral trend. The MACD of 42.62 indicates Negative momentum. The RSI at 59.57 is Neutral, neither overbought nor oversold. The STOCH value of 39.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:SUNDARMFIN.
Sundaram Finance Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₹491.71B | 14.94 | ― | 3.31% | 13.60% | 30.32% | |
68 Neutral | ₹2.36T | 17.82 | ― | 1.07% | 10.38% | 9.95% | |
66 Neutral | ₹6.39T | 31.85 | ― | 0.58% | 17.80% | 16.10% | |
63 Neutral | ₹1.52T | 26.54 | ― | 0.11% | 19.87% | 28.06% | |
63 Neutral | ₹779.48B | 24.61 | ― | 0.88% | 12.56% | 19.25% | |
59 Neutral | ₹524.63B | 23.49 | ― | 0.85% | 13.67% | 15.62% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:SUNDARMFIN
Sundaram Finance Limited
4,721.95
97.92
2.12%
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Sundaram Finance Limited Corporate Events
Sundaram Finance Reports Exercise of Employee Stock Options Under ESOP Scheme
Sep 8, 2026
Sundaram Finance Limited has reported the exercise of employee stock options granted under its 2008 ESOP scheme. Two option holders have exercised a total of 30 options from Grant 15, originally issued in May 2023 and exercised on September 8, 202...
Sundaram Finance Discloses Institutional Meeting with Max Life Insurance
Sep 1, 2026
Sundaram Finance Limited disclosed that its Managing Director, Rajiv C. Lochan, and Chief Financial Officer, M. Ramaswamy, held a one-to-one institutional investor meeting with Max Life Insurance to discuss the company’s overall performance,...
Sundaram Finance Reports Exercise of 20 ESOP Options Under 2008 Scheme
Aug 24, 2026
Sundaram Finance Limited reported that an employee has exercised 20 stock options granted in 2023 under its Sundaram Finance Employee Stock Option Scheme – 2008, designated as Grant 15. The company has initiated the transfer of corresponding...
Sundaram Finance Completes Exercise of ESOP Grant 15
Aug 20, 2026
Sundaram Finance Limited has reported the exercise of 20 stock options under its Employee Stock Option Scheme – 2008, relating to Grant 15 issued in May 2023. The company has completed the transfer of corresponding equity shares from the Sun...
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.