Arthneeti

Sundaram Finance Q1 FY27 Share Price & Earnings Call Analysis

₹4,057.00+2.10% today
Market cap
₹45,075 Cr
P/E
19.80
ROE
15.01%
PEG
1.18
Price to sales
4.46
Debt to equity
4.68
52W high / low
₹5,582 / ₹3,902
Sales growth (5Y)
13.23%
EBITDA margin
78.75%
Net profit margin
21.40%
Promoter holding
37.19%
Sales (last year)
₹10,104 Cr

Sundaram Finance is a registered deposit taking NBFC established in 1954. The Co. is engaged in retail finance across multiple domains like Vehicle finance, Home Finance, Mutual Funds, General insurance and Financial service distribution [1]

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Sundaram Finance rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,632 Cr69.0
240%+Up 2%+₹458 Cr23.7
340%+Up 0–2%₹877 Cr29.8
440%+Flat₹40,658 Cr37.4
540%+Flat₹16,070 Cr70.5
640%+Flat₹13,546 Cr—

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Financials of Sundaram Finance

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Sundaram Finance

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +1,4841,5821,7081,8212,1561,9522,0852,1902,2592,3492,3862,5142,560
Interest6677398219109489851,0501,0871,1041,1631,1761,2091,197
Expenses +300382375351524402436462368559515509544
Financing Profit516461512561684565599642787627695796820
Financing Margin %35%29%30%31%32%29%29%29%35%27%29%32%32%
Other Income +58827-908111741415-5120
Depreciation41394448534853586356606367
Profit before tax533430471520541525557601765575650682773
Tax %23%28%30%23%28%23%27%25%28%28%24%23%25%
Net Profit +509429435506472435436455553475488541554
EPS in Rs38.9933.7732.8938.4724.1139.1439.2641.0049.7742.7743.9448.7349.88
Gross NPA %
Net NPA %

Financials of Sundaram Finance

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +4,2855,0275,5886,3313,6964,7075,2925,1115,5017,2748,5139,809
Interest1,7821,8141,7351,3441,7702,4272,6592,2362,4103,4184,2264,745
Expenses +1,5052,2212,7353,9069321,2221,2351,3921,2851,6321,6672,126
Financing Profit9999921,1181,0809941,0571,3981,4831,8062,2242,6202,938
Financing Margin %23%20%20%17%27%22%26%29%33%31%31%30%
Other Income +-27781348248243543-8050-11
Depreciation11210610479589093101139183223246
Profit before tax8608931,0221,0141,4181,0161,3301,4171,7111,9612,4472,681
Tax %33%34%34%34%27%21%25%25%25%27%26%25%
Net Profit +6446627688431,2588451,2231,2961,5101,8421,8792,059
EPS in Rs51.8352.4961.5265.70104.4971.25104.87105.61119.51129.25169.17185.32
Dividend Payout %20%21%19%18%17%18%17%19%22%23%21%13%

Financials of Sundaram Finance

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital111111111110110110110110110110110110
Reserves3,6394,0844,6985,5396,1496,5677,6208,6859,81010,96813,08714,783
Borrowing18,79518,75820,21621,06925,02335,93936,46136,35642,69452,33461,08469,636
Other Liabilities +3,2415,0955,7247,2682,3882,1052,3693,0033,4628641,0561,265
Total Liabilities25,78528,04830,74933,98633,67144,72146,56048,15456,07664,27675,33785,795
Fixed Assets +5158178628214519038651,1171,2961,3891,4501,462
CWIP243300001510
Investments2,7314,0264,8158,6934,5395,0966,0578,0888,0825,7326,4819,029
Other Assets +22,53723,20125,07024,46928,68038,72239,63838,95046,69757,15067,40575,305
Total Assets25,78528,04830,74933,98633,67144,72146,56048,15456,07664,27675,33785,795

Financials of Sundaram Finance

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-1,430310-965-5,547-4,20094501,781-6,504-8,488-8,985-5,892
Cash from Investing Activity +446-83-554-1,1821,000-1,983-243-1,59766989931-1,371
Cash from Financing Activity +757-2611,3946,7563,2121,862-122-2005,8908,7547,8217,478
Net Cash Flow-227-33-1242712-11185-1654356-233215
Free Cash Flow-1,460261-1,014-5,578-4,231-344531,517-6,506-8,558-8,999-5,955
CFO/OP-41%21%-23%-214%-138%9%19%55%-145%-144%-129%-73%

Financials of Sundaram Finance

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %17%15%15%14%14%12%16%14%14%14%15%15%
18out of 100

Momentum score · price trend

18 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−13.5%44%
Last 6 months−12.8%34%
Last 3 months−17.7%25%

The price is 28.8% below its all-time high of ₹5,581.5 (5 Mar 2026). Stocks more than 20% below their peak have their score halved, so 36 became 18.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Sundaram Finance: 0.4 × 44 + 0.4 × 34 + 0.2 × 25 = 36, halved to 18 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 2 Nov 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Sundaram Finance's management said in earlier quarters

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