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Sundaram Finance Ltd

Updated on July 4, 2020

Stock/Share Code - SUNDARMFIN

Sundaram Finance is registered as a Non-Banking Finance Company (Deposit taking) with Reserve Bank of India and is primarily engaged in the business of financing of Commercial vehicles, Cars, construction equipment and other vehicles in the retail segment.(Source : 201903 Annual Report Page No: 85)

Below is the details of SUNDARMFIN Sundaram Finance Ltd

Market Cap₹14,078 Cr.
Current Price ₹1,318.2 as on 9 Jul 20
52 Week High / Low Price₹1,784.95 / ₹982.05
Face Value₹10
Stock P/E19.45
Book Value₹499.31
Dividend Yield1.03 %
ROCE9.61 %
ROE15.00 %
Sales Growth (3yrs)11.38 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has been maintaining a healthy dividend payout of 22.24%
Cons: Stock is trading at 2.54 times its book value Company has low interest coverage ratio. The company has delivered a poor growth of 8.21% over past five years.

Sundaram Finance Ltd Price Chart

Sundaram Finance Ltd Price Chart

Sundaram Finance Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. Bajaj Fin. ₹2,882 24.08 ₹117,548.98 Cr. 0.51 ₹891.57 Cr. -19.94 33.45 6511.09 13.02
2. Bajaj Finserv ₹2,882 20.81 ₹70,098.38 Cr. 0.11 ₹194.43 Cr. -76.82 2.31 13294.25 14.02
3. HDFC AMC ₹1,941.85 42.56 ₹53,722.5 Cr. 0.95 ₹249.83 Cr. -9.54 -2.13 476.13 51.64
4. SBI Cards ₹698.15 58.65 ₹50,595.69 Cr. 0.19 ₹83.54 Cr. -66.41 22.69 2433.24 15.15
5. Muthoot Finance ₹1,088.1 12.80 ₹34,595.48 Cr. 1.74 ₹803.41 Cr. 65.57 34.57 2310.00 16.22
6. Bajaj Holdings ₹2,882 7.44 ₹22,264.68 Cr. 2.00 ₹361.41 Cr. -54.34 33.05 110.46 12.16
7. Nippon Life Ind. ₹346.35 37.89 ₹15,621.09 Cr. 2.35 ₹11.88 Cr. -91.80 -21.43 254.51 28.19
8. Sundaram Finance ₹1.75 19.45 ₹14,078.04 Cr. 1.03 ₹130.89 Cr. -36.93 6.81 941.92 9.61

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Sundaram Finance Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020
Revenue615687712789851817857882923994976942
Interest288318349391395426471475500527533516
Expenses -144128126195235150151176194191209252
Employee Cost %11.10%9.79%9.61%9.43%9.40%9.75%9.36%9.36%9.57%8.93%9.10%9.85%
Financing Profit182241236203221241236231230276234174
Financing Margin %30%35%33%26%26%30%28%26%25%28%24%18%
Other Income6422193466002364612
Depreciation181515161313141416181920
Profit before tax170230242207212232227816237322221166
Tax %34%33%34%33%34%34%31%17%33%16%25%21%
Net Profit112153161138141154157675158269167131
EPS in Rs10.0613.7814.4612.4112.6713.8914.0960.7314.1824.2114.9911.78
Gross NPA %2.00%2.00%1.74%1.29%1.72%1.79%1.90%1.33%2.20%2.20%2.79%0.00%
Net NPA %0.93%1.01%0.81%0.50%1.14%1.20%1.38%0.83%1.63%1.64%2.09%0.00%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue1,0021,0931,2471,4351,7422,1172,2922,3532,4612,4112,8413,4003,835
Interest4976456347088841,0821,1641,1681,2181,1651,3461,7632,075
Expenses -188205269250296376396424490460596706846
Manufacturing Cost %1.35%1.19%0.94%0.85%0.81%1.04%0.85%0.79%0.95%1.09%0.56%0.57%
Employee Cost %8.82%8.62%8.04%7.82%8.34%7.65%7.91%8.31%8.64%9.73%9.84%9.53%
Other Cost %8.63%8.93%12.58%8.73%7.85%9.04%8.53%8.91%10.32%8.24%10.58%10.68%
Financing Profit316243344478562660732762753787899931913
Financing Margin %32%22%28%33%32%31%32%32%31%33%32%27%24%
Other Income171524617147-19141514611105
Depreciation30384555678292918482645473
Profit before tax3032203234295125936476516837208501,488945
Tax %30%31%30%31%31%31%32%30%30%31%34%24%
Net Profit2131512272953554104434544774955631,126724
EPS in Rs18.5913.5520.3926.1530.9435.7638.5540.8840.9244.5850.71101.3765.16
Dividend Payout %20%24%24%26%24%24%25%26%26%26%24%17%

Compounded Sales Growth

  • 10 Years:: 12.02%
  • 5 Years:: 8.21%
  • 3 Years:: 11.38%
  • TTM:: 12.55%

Compounded Profit Growth

  • 10 Years:: 16.07%
  • 5 Years:: 8.76%
  • 3 Years:: 13.01%
  • TTM:: 9.84%

Return on Equity

  • 10 Years:: 21.07%
  • 5 Years:: -0.52%
  • 3 Years:: -3.88%
  • 1 Year:: -25.58%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -2856565656111111111111111111111111
Equity Capital2856565656111111111111111111111111
Reserves1,0151,0971,2611,4741,7331,9762,2942,8673,2023,6354,0234,9335,436
Borrowings6,0816,2628,4949,1909,85411,46711,77612,53512,58713,87021,10925,00627,337
Other Liabilities -6315796741,4901,2891,0841,2331,2481,4931,552568600535
Trade Payables31725028380934433528884659561
Advance from Customers000598545474745584354
Other liability items3143293911,3521,1119951,1531,1491,3601,410459450475
Total Liabilities7,7557,99410,48412,21012,93114,63815,41416,76117,39319,16725,81130,64933,420
Fixed Assets -173202232234294332343309276276294305360
Gross Block481508466471569645688624608601353406
Accumulated Depreciation30330223223527331234431633232559101
CWIP0000003231000
Investments4565125379937641,0441,4471,5211,8361,8832,2071,8663,938
Other Assets -7,1267,2799,71410,98311,87313,26113,62014,92915,27817,00823,31028,47829,122
Inventories2832952280000000000
Trade receivables102260000000201719
Cash Equivalents2023161,3741,082429874674677553747982839630
Loans n Advances6,6366,6528,1115,0205,7686,0866,4787,0586,8417,20723828428,045
Other asset items-5-6-64,8805,6766,3016,4687,1947,8849,05322,06927,338429
Total Assets7,7557,99410,48412,21012,93114,63815,41416,76117,39319,16725,81130,64933,420

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity --456-69-2,257-1,357-1,361-70541-1,082313-1,025-6,057-4,278
Profit from operations7218909651,1261,4181,7501,8581,8471,8801,9442,3142,788
Receivables0-000000000-42
Inventory18-150000000000
Payables90-6633184-1-101836-4-10430
Loans Advances-1,183-25-1,465-1,575-1,554-875-529-1,311-504-1,606-6,478-5,371
Operating investments00-23-17-16-18-46-209-42159-27-61
Stock on hire0067000000000
Leased assets-33-52-61-80-95-89-80-50-39-564-33
Bills purchased-6-1115000000000
Deposits456-99-1,08025-146-414193-28154-163-307192
Interest paid-412-610-619-711-875-949-1,138-1,145-1,130-1,250-1,075-1,423
Direct taxes-100-70-90-122-160-192-211-198-178-198-238-365
Other operating items-7-100-4-15836-6136149-142-38
Cash from Investing Activity -117-2557-353283-291-283482-175-190-3671,028
Fixed assets purchased-21-18-15-18-15-49-27-20-18-33-17-27
Fixed assets sold111113232437
Investments purchased-5,440-4,004-12,678-395-3-207-500153-190-7,273-7,559
Investments sold5,5633,99912,746030500473006,8998,583
Interest received580000000000
Dividends received917225937516970100722633
Invest in subsidiaries00-18000000000
Investment in group cos0-2700-43-890-43-413-4300
Other investing items000000-27700-0-5-9
Cash from Financing Activity -3381082,1781,3922741,019254571-1411,2156,4603,254
Proceeds from debentures3,9754,1883,476000000000
Redemption of debentures-2,977-4,151-2,686000000000
Proceeds from borrowings02691,2871,9803651,126701,1412191,59700
Repayment of borrowings-751-3080-52400239-384-152-30600
Proceeds from deposits0183155000000000
Dividends paid-6-73-54-64-92-107-55-185-209-75-82-222
Other financing items980000000006,5413,476
Net Cash Flow-114-22-318-8042313-28-41363

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %23%14%18%21%21%21%20%18%15%14%14%15%

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