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Sundaram Finance Ltd

Updated on March 23, 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 Cr.
Current Price ₹1,606.45 as on 10 Dec 19
52 Week High / Low Price /
Face Value
Stock P/E
Book Value
Dividend Yield %
ROCE %
ROE %
Sales Growth (3yrs) %
SectorFinance
IndustryFinance & Investments
Pros: Company has been maintaining a healthy dividend payout of 22.24%
Cons: Stock is trading at 3.30 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. ₹3,232.5 52.65 ₹268,705.31 Cr. 0.13 ₹1,488.15 Cr. 45.51 35.33 6303.56 13.02
2. Bajaj Finserv ₹3,232.5 35.89 ₹144,031.18 Cr. 0.03 ₹1,125.64 Cr. 32.35 30.68 14558.92 14.02
3. HDFC AMC ₹2,295.15 51.86 ₹66,835.73 Cr. 0.76 ₹352.55 Cr. 44.93 9.99 524.73 51.64
4. Bajaj Holdings ₹3,232.5 11.54 ₹37,690.03 Cr. 0.96 ₹777.65 Cr. -0.44 -20.76 86.86 12.16
5. Muthoot Finance ₹691.25 13.06 ₹35,295.27 Cr. 1.36 ₹803.41 Cr. 65.57 34.57 2310.00 16.22
6. Shriram Trans. ₹5.7 8.94 ₹27,141.65 Cr. 1.00 ₹882.19 Cr. 38.15 7.39 4286.04 11.36
7. Cholaman.Inv.&Fn 18.96 ₹24,828.4 Cr. 0.41 ₹389.16 Cr. 21.93 24.39 2289.06 10.81
8. Sundaram Finance ₹1.2 21.91 ₹17,541.02 Cr. 1.11 ₹166.54 Cr. 6.40 13.86 976.23 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

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Revenue601615687712789851817857882930994976
Interest283288318349391395426471475496527533
Expenses -124144128126195235150151176184191209
Employee Cost %10.15%11.1%9.79%9.61%9.43%9.4%9.75%9.36%9.36%9.5%8.93%9.1%
Financing Profit194182241236203221241236231250276234
Financing Margin %32%30%35%33%26%26%30%28%26%27%28%24%
Other Income306422193466003646
Depreciation221815151613131414161819
Profit before tax202170230242207212232227816237322221
Tax %31%34%33%34%33%34%34%31%17%33%16%25%
Net Profit139112153161138141154157675158269167
EPS in Rs12.5310.0613.7814.4612.4112.6713.8914.0960.7314.1824.2114.99
Gross NPA %1.54%2.00%2.00%1.74%1.29%1.72%1.79%1.90%1.33%2.20%2.20%2.79%
Net NPA %0.55%0.93%1.01%0.81%0.50%1.14%1.20%1.38%0.83%1.63%1.64%2.09%
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
Revenue1,0021,0931,2471,4351,7422,1172,2922,3532,4612,4112,8413,4003,782
Interest4976456347088841,0821,1641,1681,2181,1651,3461,7632,031
Expenses -188205269250296376396424490460596706761
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 Profit316243344478562660732762753787899931990
Financing Margin %32%22%28%33%32%31%32%32%31%33%32%27%26%
Other Income171524617147-19141514611673
Depreciation30384555678292918482645467
Profit before tax3032203234295125936476516837208501,4881,596
Tax %30%31%30%31%31%31%32%30%30%31%34%24%
Net Profit2131512272953554104434544774955631,1261,268
EPS in Rs18.5913.5520.3926.1530.9435.7638.5539.2440.9243.8050.71101.37114.11
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:: 14.13%

Compounded Profit Growth

  • 10 Years:: 16.07%
  • 5 Years:: 8.76%
  • 3 Years:: 13.01%
  • TTM:: 35.81%

Return on Equity

  • 10 Years:: 25.08%
  • 5 Years:: 2.43%
  • 3 Years:: 6.50%
  • 1 Year:: -1.16%

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 2019Sep 2019
Share Capital -2856565656111111111111111111111111
Equity Capital27.7855.5555.5555.5555.55111.1111.1111.1111.1111.1111.1111.1
Reserves1,0151,0971,2611,4741,7331,9762,2942,8673,2023,6354,0234,9335,202
Borrowings6,0816,2628,4949,1909,85411,46711,77612,53512,58713,87021,10925,00624,040
Other Liabilities -6365856801,4941,2921,0851,2441,2781,5271,5885686004,206
Trade Payables316.65249.75283.0179.6993.4843.9633.4651.587.8383.8465.2295.1486.44
Total Liabilities7,7608,00010,49012,21412,93414,63915,42516,79117,42719,20425,81130,64933,559
Fixed Assets -173202232234294332343309276276294305361
Gross Block480.89507.89466.28470.92569.34644.96687.99624.47607.66600.91353.15406.07
Accumulated Depreciation303.01301.83231.93234.66273.22311.79343.78315.92331.78325.259.21100.98
CWIP0000003231000
Investments4565125379937641,0441,4471,5211,8361,8832,2071,8663,740
Other Assets -7,1317,2859,72010,98711,87613,26313,63114,95915,31217,04423,31028,47829,457
Inventories282.54295.2228.380000000000
Trade receivables10.1922.186.17000000019.7617.4517.73
Cash Equivalents201.89315.581373.791082.19429.09874.36674.08676.72552.56747.19982.1838.631077.43
Loans n Advances6636.456652.268111.435020.465767.966085.726477.997058.326841.247207.39238.43283.9827996.49
Other Assets etc0004884.25678.516302.646478.917224.067918.069089.2122069.4627337.7365.75
Total Assets7,7608,00010,49012,21412,93414,63915,42516,79117,42719,20425,81130,64933,559

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 operations720.82890.38965.221125.771417.691749.731857.681847.151880.041944.262314.072788.1
Working Capital Changes-664.53-279.25-2513.01-1650.14-1742.9-1314.04-467.32-1586.1-258.44-1520.87-7058.21-5278.09
Taxes paid-511.85-679.77-709.49-832.36-1035.41-1140.25-1349.42-1343.01-1308.35-1448.35-1312.58-1788.41
Cash from Investing Activity -117-2557-353283-291-283482-175-190-3671,028
Fixed Assets Purchased-20.55-18.41-15.38-18.13-14.99-48.98-26.87-19.9-17.52-33.15-17.48-26.6
Fixed Assets Sold1.191.20.961.311.132.842.362.542.064.473.126.77
Investments purchased-5440.17-4004.14-12677.85-395-2.94-207.03-50.290153.39-189.78-7273.21-7559.38
Investments sold5562.993999.2127460.44305.2100473.020.1406899.128583.46
Cash from Financing Activity -3381082,1781,3922741,019254571-1411,2156,4603,254
Proceeds from Borrowings0268.551287.111979.55365.471125.8970.291140.84219.441596.7600
Repayment of Borrowings-751.35-307.960-523.9400238.82-384.31-152.29-306.0800
Dividends Paid-6.5-73.28-53.51-63.88-91.75-107.16-54.7-185.26-208.61-75.43-81.6-222.18
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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All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.