Sundaram Finance Ltd
SUNDARMFIN
Finance
₹ 4,576
Price
₹ 50,825
Market Cap
Large Cap
26.47
P/E Ratio
📊 Score Snapshot
7.39 / 25
Performance
19.75 / 25
Valuation
3.2 / 20
Growth
7.0 / 30
Profitability
37.34 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -893.84 | -847.86 | -606.52 | 126.46 | -16.07 | -86.72 | -336.55 | -506.38 |
| Adj Cash PAT | -9,931 | -9,014 | -6,556 | 1,528 | -120.51 | -911.28 | -3,642 | -5,513 |
| Adj Cash PAT To PAT | -5.21 | -5.13 | -4.33 | 1.17 | -0.10 | -1.06 | -2.18 | -6.54 |
| Adj Cash PE | - | - | - | 15.49 | - | - | - | - |
| Adj EPS | 171.51 | 121.62 | 119.85 | 106.48 | 105.44 | 72.64 | 141.84 | 65.72 |
| Adj Number Of Shares | 11.11 | 11.11 | 11.11 | 11.11 | 11.11 | 11.12 | 11.11 | 11.11 |
| Adj PE | 26.67 | 34.04 | 19.23 | 18.41 | 24.95 | 16.42 | 13.07 | 25.98 |
| Adj Peg | 0.65 | 23.05 | 1.53 | 18.66 | 0.55 | - | 0.11 | 3.96 |
| Bvps | 1,188 | 997.12 | 1,139 | 998.11 | 850.59 | 731.29 | 719.89 | 716.11 |
| Cash Revenue | 8,490 | 14,517 | 10,968 | 10,235 | 10,567 | 9,421 | 7,391 | 12,642 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 0.79 | 0.69 | 1.14 | 1.03 | 0.68 | 1.09 | 1.19 | 0.69 |
| Fcfe | -1,520 | 36.24 | -198.43 | 1,198 | 55.49 | 1,322 | -138.11 | -5,465 |
| Fcfe Margin | -17.90 | 0.25 | -1.81 | 11.70 | 0.53 | 14.03 | -1.87 | -43.23 |
| Fcfe To Adj PAT | -0.80 | 0.02 | -0.13 | 0.92 | 0.05 | 1.54 | -0.08 | -6.48 |
| Market Cap | 50,148 | 47,730 | 25,547 | 21,651 | 29,098 | 13,046 | 16,619 | 18,970 |
| PB | 3.80 | 4.31 | 2.02 | 1.95 | 3.08 | 1.60 | 2.08 | 2.38 |
| PE | 26.68 | 33.24 | 19.24 | 18.45 | 24.97 | 16.47 | 14.32 | 25.99 |
| Peg | 0.86 | 4.08 | 1.46 | 26.15 | 0.53 | - | 0.24 | 3.83 |
| PS | 5.89 | 3.28 | 2.32 | 2.12 | 2.75 | 1.39 | 2.25 | 1.50 |
| ROE | 15.70 | 14.81 | 12.75 | 12.72 | 13.99 | 10.67 | 20.97 | 12.54 |
| Share Price | 4,514 | 4,296 | 2,300 | 1,949 | 2,619 | 1,173 | 1,496 | 1,708 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,386 | 2,349 | 2,259 | 4,380 | 4,170 | 3,904 | 4,312 | 3,642 | 3,416 | 3,164 | 2,968 | 2,820 | 2,674 | 2,492 |
| Interest | 1,176 | 1,163 | 1,104 | 1,087 | 1,050 | 985.00 | 948.00 | 910.00 | 821.00 | 739.00 | 667.00 | 622.00 | 578.00 | 541.00 |
| Expenses - | 515.00 | 559.00 | 368.00 | 462.00 | 436.00 | 402.00 | 524.00 | 351.00 | 375.00 | 382.00 | 300.00 | 327.00 | 329.00 | 331.00 |
| Financing Profit | 695.00 | 627.00 | 787.00 | 642.00 | 599.00 | 565.00 | 684.00 | 561.00 | 512.00 | 461.00 | 516.00 | 460.00 | 430.00 | 375.00 |
| Financing Margin % | 29.13 | 26.69 | 34.84 | 14.66 | 14.36 | 14.47 | 15.86 | 15.40 | 14.99 | 14.57 | 17.39 | 16.31 | 16.08 | 15.05 |
| Other Income - | 15.04 | 4.17 | 41.17 | 17.04 | 11.09 | 8.05 | 1.38 | 6.68 | 2.44 | 7.88 | 58.08 | 0.75 | 2.79 | 6.64 |
| Exceptional Items | - | - | - | - | - | - | -91.72 | - | - | - | - | - | - | - |
| Depreciation | 60.00 | 56.00 | 63.00 | 58.00 | 53.00 | 48.00 | 53.00 | 48.00 | 44.00 | 39.00 | 41.00 | 36.00 | 33.00 | 29.00 |
| Profit Before Tax | 650.00 | 575.00 | 765.00 | 601.00 | 557.00 | 525.00 | 541.00 | 520.00 | 471.00 | 430.00 | 533.00 | 425.00 | 400.00 | 353.00 |
| Tax % | 24.92 | 17.39 | 27.71 | 24.29 | 21.72 | 17.14 | 12.75 | 2.69 | 7.64 | 0.23 | 4.50 | 10.12 | 17.00 | 21.53 |
| Net Profit - | 488.00 | 475.00 | 553.00 | 455.00 | 436.00 | 435.00 | 472.00 | 506.00 | 435.00 | 429.00 | 509.00 | 382.00 | 332.00 | 277.00 |
| Profit From Associates | -3.00 | 63.00 | -1.00 | 4.00 | 30.00 | 33.00 | 84.00 | 108.00 | 107.00 | 122.00 | 97.00 | 60.00 | 51.00 | 20.00 |
| Minority Share | - | - | - | - | - | - | -204.00 | -78.00 | -69.00 | -54.00 | -75.00 | -49.00 | -25.00 | -31.00 |
| Exceptional Items At | - | - | - | - | - | - | -65.00 | - | - | - | - | - | - | - |
| Profit Excl Exceptional | 488.00 | 475.00 | 553.00 | 455.00 | 436.00 | 435.00 | 537.00 | 506.00 | 435.00 | 429.00 | 509.00 | 382.00 | 332.00 | 277.00 |
| Profit For PE | 488.00 | 475.00 | 553.00 | 455.00 | 436.00 | 435.00 | 305.00 | 427.00 | 365.00 | 375.00 | 433.00 | 333.00 | 306.00 | 246.00 |
| Profit For EPS | 488.00 | 475.00 | 553.00 | 455.00 | 436.00 | 435.00 | 268.00 | 427.00 | 365.00 | 375.00 | 433.00 | 333.00 | 306.00 | 246.00 |
| EPS In Rs | 43.94 | 42.77 | 49.77 | 41.00 | 39.26 | 39.14 | 24.11 | 38.47 | 32.89 | 33.77 | 38.99 | 29.96 | 27.55 | 22.11 |
| PAT Margin % | 20.45 | 20.22 | 24.48 | 10.39 | 10.46 | 11.14 | 10.95 | 13.89 | 12.73 | 13.56 | 17.15 | 13.55 | 12.42 | 11.12 |
| PBT Margin | 27.24 | 24.48 | 33.86 | 13.72 | 13.36 | 13.45 | 12.55 | 14.28 | 13.79 | 13.59 | 17.96 | 15.07 | 14.96 | 14.17 |
| Tax | 162.00 | 100.00 | 212.00 | 146.00 | 121.00 | 90.00 | 69.00 | 14.00 | 36.00 | 1.00 | 24.00 | 43.00 | 68.00 | 76.00 |
| Yoy Profit Growth % | 12.00 | 9.00 | 81.00 | 7.00 | 19.00 | 16.00 | -30.00 | 28.00 | 19.00 | 53.00 | 27.00 | 15.00 | 18.00 | -14.00 |
| Adj PAT | 488.00 | 475.00 | 553.00 | 455.00 | 436.00 | 435.00 | 391.97 | 506.00 | 435.00 | 429.00 | 509.00 | 382.00 | 332.00 | 277.00 |
| Adj PAT Margin | 20.45 | 20.22 | 24.48 | 10.39 | 10.46 | 11.14 | 9.09 | 13.89 | 12.73 | 13.56 | 17.15 | 13.55 | 12.42 | 11.12 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 8,513 | 14,548 | 11,002 | 10,222 | 10,584 | 9,414 | 7,392 | 12,662 | 11,176 | 10,054 | 8,570 | 8,214 |
| Interest | 4,226 | 3,418 | 2,410 | 2,236 | 2,659 | 2,427 | 1,770 | 1,344 | 1,735 | 1,814 | 1,782 | 1,724 |
| Expenses - | 1,667 | 1,632 | 1,285 | 1,392 | 1,235 | 1,222 | 932.00 | 3,906 | 2,735 | 2,221 | 1,505 | 1,389 |
| Financing Profit | 2,620 | 2,224 | 1,806 | 1,483 | 1,398 | 1,057 | 994.00 | 1,080 | 1,118 | 992.00 | 999.00 | 993.00 |
| Financing Margin % | 30.78 | 15.29 | 16.42 | 14.51 | 13.21 | 11.23 | 13.45 | 8.53 | 10.00 | 9.87 | 11.66 | 12.09 |
| Other Income - | 15.74 | 10.29 | 39.40 | 24.13 | 17.24 | 29.28 | 14.52 | 13.09 | 6.21 | 6.97 | 7.65 | 10.29 |
| Exceptional Items | 34.42 | -90.24 | 4.04 | 10.90 | 7.06 | 18.90 | 467.64 | 0.20 | 2.00 | 0.49 | -34.25 | -15.37 |
| Depreciation | 223.00 | 183.00 | 139.00 | 101.00 | 93.00 | 90.00 | 58.00 | 79.00 | 104.00 | 106.00 | 112.00 | 112.00 |
| Profit Before Tax | 2,447 | 1,961 | 1,711 | 1,417 | 1,330 | 1,016 | 1,418 | 1,014 | 1,022 | 893.00 | 860.00 | 876.00 |
| Tax % | 23.21 | 6.07 | 11.75 | 8.54 | 8.05 | 16.83 | 11.28 | 16.86 | 24.85 | 25.87 | 25.12 | 25.80 |
| Net Profit - | 1,879 | 1,842 | 1,510 | 1,296 | 1,223 | 845.00 | 1,258 | 843.00 | 768.00 | 662.00 | 644.00 | 650.00 |
| Profit From Associates | 67.00 | 420.00 | 228.00 | 230.00 | 221.00 | 40.00 | 229.00 | 177.00 | 91.00 | 77.00 | 71.00 | 70.00 |
| Minority Share | - | -406.00 | -182.00 | -123.00 | -58.00 | -54.00 | -98.00 | -113.00 | -85.00 | -79.00 | -68.00 | -69.00 |
| Exceptional Items At | 26.00 | -65.00 | 3.00 | 8.00 | 5.00 | 13.00 | 329.00 | - | 1.00 | - | -22.00 | -10.00 |
| Profit Excl Exceptional | 1,854 | 1,908 | 1,506 | 1,288 | 1,218 | 832.00 | 929.00 | 843.00 | 767.00 | 662.00 | 667.00 | 660.00 |
| Profit For PE | 1,854 | 1,487 | 1,325 | 1,166 | 1,160 | 779.00 | 857.00 | 730.00 | 682.00 | 583.00 | 596.00 | 590.00 |
| Profit For EPS | 1,879 | 1,436 | 1,328 | 1,173 | 1,165 | 792.00 | 1,161 | 730.00 | 683.00 | 583.00 | 576.00 | 581.00 |
| EPS In Rs | 169.17 | 129.25 | 119.51 | 105.61 | 104.87 | 71.25 | 104.49 | 65.70 | 61.52 | 52.49 | 51.83 | 52.30 |
| Dividend Payout % | 21.00 | 23.00 | 22.00 | 19.00 | 17.00 | 18.00 | 17.00 | 18.00 | 19.00 | 21.00 | 20.00 | 19.00 |
| PAT Margin % | 22.07 | 12.66 | 13.72 | 12.68 | 11.56 | 8.98 | 17.02 | 6.66 | 6.87 | 6.58 | 7.51 | 7.91 |
| PBT Margin | 28.74 | 13.48 | 15.55 | 13.86 | 12.57 | 10.79 | 19.18 | 8.01 | 9.14 | 8.88 | 10.04 | 10.66 |
| Tax | 568.00 | 119.00 | 201.00 | 121.00 | 107.00 | 171.00 | 160.00 | 171.00 | 254.00 | 231.00 | 216.00 | 226.00 |
| Adj PAT | 1,905 | 1,757 | 1,514 | 1,306 | 1,229 | 860.72 | 1,673 | 843.17 | 769.50 | 662.36 | 618.35 | 638.60 |
| Adj PAT Margin | 22.38 | 12.08 | 13.76 | 12.78 | 11.62 | 9.14 | 22.63 | 6.66 | 6.89 | 6.59 | 7.22 | 7.77 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 623.00 | - | 496.00 | - | 386.00 | 304.00 | 252.00 | 202.00 | 107.00 |
| Advance From Customers | - | - | - | - | - | - | - | - | - | - |
| Average Total Assets | 75,938 | 69,806 | 66,478 | 60,176 | - | 52,115 | 47,357 | 45,640 | 39,196 | 33,828 |
| Average Total Equity | 13,820 | 12,138 | 13,062 | 11,864 | - | 11,869 | 10,270 | 8,791 | 8,065 | 7,977 |
| Borrowing | 65,830 | 61,084 | - | 52,334 | - | 42,694 | 36,356 | 36,461 | 35,939 | 25,023 |
| Cwip | - | 1.00 | - | 5.00 | - | 1.00 | - | - | - | - |
| Cash Equivalents | 1,730 | 2,132 | 1,311 | 1,503 | 1,094 | 1,145 | 715.00 | 789.00 | 785.00 | 859.00 |
| Fixed Assets | 1,455 | 1,450 | 1,430 | 1,389 | 1,366 | 1,296 | 1,117 | 865.00 | 903.00 | 451.00 |
| Gross Block | - | 2,073 | - | 1,885 | - | 1,682 | 1,421 | 1,117 | 1,105 | 558.00 |
| Investments | 9,841 | 6,481 | 6,423 | 5,732 | 9,380 | 8,082 | 8,088 | 6,057 | 5,096 | 4,539 |
| Loans N Advances | 68,572 | 214.00 | 59,766 | 442.00 | - | 521.00 | 429.00 | 408.00 | 424.00 | 355.00 |
| Long Term Borrowings | - | - | 56,256 | - | 48,892 | - | - | - | 31,027 | 22,169 |
| Net Debt | -11,571 | -8,613 | 48,522 | 45,099 | 38,418 | 33,467 | 27,553 | 29,615 | 30,058 | 19,625 |
| Non Controlling Interest | - | - | - | - | 3,041 | 2,729 | 2,294 | 1,720 | 1,455 | 1,739 |
| Other Asset Items | 529.00 | 64,969 | 638.00 | 55,118 | 51,388 | 44,957 | 37,763 | 38,384 | 37,470 | 27,422 |
| Other Borrowings | - | - | - | 52,334 | - | 42,694 | 36,356 | 36,461 | - | - |
| Other Liability Items | 1,065 | 834.00 | 737.00 | 690.00 | 631.00 | 608.00 | 580.00 | 578.00 | 566.00 | 545.00 |
| Reserves | 15,019 | 13,087 | 12,400 | 10,968 | 10,464 | 9,810 | 8,685 | 7,620 | 6,567 | 6,149 |
| Share Capital | 110.00 | 110.00 | 110.00 | 110.00 | 110.00 | 110.00 | 110.00 | 110.00 | 110.00 | 110.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | 4,913 | 2,854 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 82,216 | 75,337 | 69,659 | 64,276 | 63,297 | 56,076 | 48,154 | 46,560 | 44,721 | 33,671 |
| Total Borrowings | - | - | 56,256 | 52,334 | 48,892 | 42,694 | 36,356 | 36,461 | 35,939 | 25,023 |
| Total Equity | 15,129 | 13,197 | 12,510 | 11,078 | 13,615 | 12,649 | 11,089 | 9,450 | 8,132 | 7,998 |
| Total Equity And Liabilities | 82,216 | 75,337 | 69,659 | 64,276 | 63,297 | 56,076 | 48,154 | 46,560 | 44,721 | 33,671 |
| Total Liabilities | 67,087 | 62,140 | 57,149 | 53,198 | 49,682 | 43,427 | 37,065 | 37,110 | 36,589 | 25,673 |
| Trade Payables | 192.00 | 222.00 | 156.00 | 173.00 | 159.00 | 126.00 | 129.00 | 70.00 | 83.00 | 104.00 |
| Trade Receivables | 89.00 | 90.00 | 91.00 | 87.00 | 69.00 | 75.00 | 44.00 | 57.00 | 42.00 | 44.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 7,821 | 8,754 | 5,890 | -200.00 | -122.00 | 1,862 | 3,212 | 6,756 |
| Cash From Investing Activity | 931.00 | 89.00 | 669.00 | -1,597 | -243.00 | -1,983 | 1,000 | -1,182 |
| Cash From Operating Activity | -8,985 | -8,488 | -6,504 | 1,781 | 450.00 | 9.00 | -4,200 | -5,547 |
| Cash Paid For Acquisition Of Companies | - | -184.00 | - | - | - | - | - | - |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | - | - | - | - | - |
| Cash Paid For Loan Advances | -10,092 | -8,523 | -7,377 | 282.00 | -1,296 | -1,532 | -5,371 | -6,483 |
| Cash Paid For Purchase Of Fixed Assets | -57.00 | -83.00 | -25.00 | -276.00 | -15.00 | -50.00 | -38.00 | -34.00 |
| Cash Paid For Purchase Of Investments | -31,560 | -34,066 | -17,411 | -15,498 | -20,011 | -25,710 | -8,282 | -11,642 |
| Cash Paid For Redemption And Cancellation Of Shares | - | 151.00 | - | - | - | 70.00 | - | - |
| Cash Paid For Repayment Of Borrowings | -32,989 | -30,987 | -17,000 | -15,033 | -21,386 | -22,866 | -24,505 | - |
| Cash Receipts From Deposits | - | -1,907 | -440.00 | -101.00 | -15.00 | 23.00 | 192.00 | -307.00 |
| Cash Received From Borrowings | 41,190 | 40,108 | 23,220 | 14,865 | 21,466 | 25,052 | 27,982 | - |
| Cash Received From Issue Of Shares | - | - | - | - | - | - | - | - |
| Cash Received From Sale Of Fixed Assets | 44.00 | 13.00 | 24.00 | 13.00 | 18.00 | 7.00 | 7.00 | 3.00 |
| Cash Received From Sale Of Investments | 32,230 | 34,087 | 17,868 | 14,058 | 19,752 | 23,642 | 9,279 | 10,204 |
| Change In Other Working Capital Items | -1,010 | -345.00 | -240.00 | -30.00 | -2.00 | -243.00 | -140.00 | 185.00 |
| Change In Payables | 63.00 | 35.00 | 21.00 | 58.00 | -19.00 | -26.00 | 5.00 | 270.00 |
| Change In Receivables | -23.00 | -31.00 | -34.00 | 13.00 | -17.00 | 7.00 | -1.00 | -20.00 |
| Change In Working Capital | -11,836 | -10,771 | -8,070 | 222.00 | -1,350 | -1,772 | -5,315 | -6,356 |
| Direct Taxes Paid | -167.00 | -386.00 | -372.00 | -273.00 | -314.00 | -305.00 | -378.00 | -350.00 |
| Dividends Paid | -331.00 | -319.00 | -297.00 | -202.00 | -171.00 | -298.00 | -266.00 | -86.00 |
| Dividends Received | 72.00 | 16.00 | 109.00 | 36.00 | 13.00 | 59.00 | 35.00 | 293.00 |
| Interest Paid | -3,673 | -2,884 | -2,288 | -2,127 | -2,169 | -1,695 | -1,427 | -1,086 |
| Interest Received | 202.00 | 155.00 | 104.00 | 71.00 | - | - | - | - |
| Net Cash Flow | -233.00 | 356.00 | 54.00 | -16.00 | 85.00 | -111.00 | 12.00 | 27.00 |
| Operating Deposits | -773.00 | -1,907 | -440.00 | -101.00 | -15.00 | 23.00 | 192.00 | -307.00 |
| Other Cash Financing Items Paid | -49.00 | -47.00 | -32.00 | 170.00 | -30.00 | -24.00 | - | 6,853 |
| Other Cash Investing Items Paid | - | - | - | - | - | - | - | -6.00 |
| Profit From Operations | 6,690 | 5,553 | 4,227 | 3,959 | 4,282 | 3,780 | 2,920 | 2,233 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Sundarmfin | 2025-09-30 | - | 19.06 | 7.37 | 35.55 | 0.80 |
| Sundarmfin | 2025-06-30 | - | 18.81 | 7.82 | 35.35 | 0.00 |
| Sundarmfin | 2025-03-31 | - | 19.00 | 7.54 | 35.44 | 0.00 |
| Sundarmfin | 2024-12-31 | - | 18.61 | 7.86 | 35.51 | 0.00 |
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