Sundaram Finance Limited
SUNDARMFIN · General/Diversified · NSE
₹4,467
Current Market Price
Fair Value (P/B + Residual Income)
₹3,193
Discount to FV
-28.5%
Updated 32m ago
YieldIQ Score
51/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
90%
ROE
14.2%
Debt/Equity
3.98
Cost of Equity
9.8%
Market Cap
₹49,231 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
7.1%
Return on capital employed
Revenue CAGR (3Y)
13.1%
3-year revenue growth
Revenue CAGR (5Y)
13.6%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹4,466.9
Bear case
Margin of Safety -65639.7%
Implied upside -99.8%
Base case
Margin of Safety -66.4%
Implied upside -39.9%
Bull case
Margin of Safety -8.2%
Implied upside -7.6%
Ratio Trends
SUNDARMFIN · last 5 annual periods
ROE
14.2%
ROCE
4.2%
Operating Margin
—
Debt / Equity
3.98×
PE
49.8×
EV / EBITDA
—
Historical Financials
SUNDARMFIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹2782 Cr | ₹2953 Cr | ₹3628 Cr | ₹4194 Cr | ₹4945 Cr | +15.5% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹3653 Cr | ₹1199 Cr | ₹5379 Cr | — | — | +10.2% |
| PAT | ₹1173 Cr | ₹1328 Cr | ₹1436 Cr | ₹1879 Cr | ₹2059 Cr | +15.1% |
| EPS (diluted) | ₹106.48 | ₹0.00 | ₹130.31 | — | — | +5.2% |
| CFO | ₹1781 Cr | ₹-6504 Cr | ₹-8488 Cr | ₹-8985 Cr | ₹-5892 Cr | — |
| CapEx | ₹-276 Cr | ₹-25.4 Cr | ₹-83.3 Cr | ₹-57.4 Cr | ₹-62.4 Cr | — |
| FCF | ₹1504 Cr | ₹-6530 Cr | ₹-8571 Cr | ₹-9043 Cr | ₹-5955 Cr | — |
| Total Assets | ₹48.2K Cr | ₹56.1K Cr | ₹64.3K Cr | ₹75.3K Cr | ₹85.8K Cr | +15.5% |
| Total Debt | ₹30.2K Cr | ₹36.0K Cr | ₹44.5K Cr | ₹52.5K Cr | ₹60.8K Cr | +19.1% |
| Shareholders' Equity | ₹8795 Cr | ₹9920 Cr | ₹11.1K Cr | ₹13.2K Cr | ₹14.9K Cr | +14.1% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
SUNDARMFIN vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 HDBFS HDB Financial Services Limited | -2.8%-2.7% upside | 61 | Near Fair Value | 12.3% | — |
 SBICARD SBI Cards and Payment Services Limited | -7.1%-6.6% upside | 43 | Near Fair Value | 13.8% | — |
 LTF L&T Finance Limited | +1.2%+1.2% upside | 46 | Near Fair Value | 10.7% | — |
 M&MFIN Mahindra & Mahindra Financial Services Limited | +31.0%+44.9% upside | 50 | Below Fair Value | 10.7% | 13.9× |
 HUDCO Housing & Urban Development Corporation Limited | -34.2%-25.5% upside | 49 | Above Fair Value | 18.4% | 7.9× |
Click a ticker to view its fair-value analysis.
Dividend History
20 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹134.00/sh
Last payout
2026-02-06
₹16.00
Peak payout
₹21.00
Trailing yield
0.83%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Sundaram Finance Limited (SUNDARMFIN.NS) trades at 4466.90 vs a model fair value of 3193.07, a gap of -28.5%. Piotroski F-score: 4/9. Moa...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of SUNDARMFIN →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for SUNDARMFIN →
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Head-to-head with peers
Compare SUNDARMFIN side by side →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse SUNDARMFINNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.