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Sundaram Finance Ltd

Updated on January 15, 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₹18,114 Cr.
Current Price ₹1,606.45 as on 10 Dec 19
52 Week High / Low Price₹1,745 / ₹1,320.4
Face Value₹10
Stock P/E22.91
Book Value₹478.23
Dividend Yield1.07 %
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 3.41 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 52.86 ₹245,140.16 Cr. 0.14 ₹1,376.67 Cr. 49.59 40.69 5696.63 13.02
2. Bajaj Finserv ₹3,232.5 38.78 ₹144,978.05 Cr. 0.03 ₹1,203.72 Cr. 70.98 46.65 14221.86 14.02
3. HDFC AMC ₹2,295.15 63.76 ₹75,205.79 Cr. 0.68 ₹368.24 Cr. 78.84 3.67 498.00 51.64
4. Bajaj Holdings ₹3,232.5 12.13 ₹39,667.65 Cr. 0.91 ₹1,028.66 Cr. 34.54 -9.09 117.60 12.16
5. Muthoot Finance ₹691.25 11.40 ₹27,180.62 Cr. 1.77 ₹857.92 Cr. 77.32 29.55 2136.89 16.22
6. Shriram Trans. ₹5.7 9.16 ₹25,573.91 Cr. 1.06 ₹768.29 Cr. 25.39 7.10 4217.54 11.36
7. Aditya Birla Cap ₹96.35 25.37 ₹25,316.05 Cr. 0.00 ₹255.78 Cr. 37.46 10.72 3975.94 9.32
8. Sundaram Finance ₹1.2 22.91 ₹18,114.3 Cr. 1.07 ₹269 Cr. 74.32 21.65 993.67 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

Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Revenue590601615687712789851817849882930994
Interest288283288318349391395426466475496527
Expenses114124144128126195235150147176184191
Employee Cost %9.87%10.15%11.1%9.79%9.61%9.43%9.4%9.75%9.46%9.36%9.5%8.93%
Financing Profit188194182241236203221241236231250276
Financing Margin %32%32%30%35%33%26%26%30%28%26%27%28%
Other Income3430642219346600364
Depreciation212218151516131314141618
Profit before tax201202170230242207212232227816237322
Tax %31%31%34%33%34%33%34%34%31%17%33%16%
Net Profit138139112153161138141154157675158269
EPS in Rs12.4412.5310.0613.7814.4612.4112.6713.8914.0960.7314.1824.21
Gross NPA %2.16%1.54%2.00%2.00%1.74%1.29%1.72%1.79%1.79%1.33%2.20%2.20%
Net NPA %1.02%0.55%0.93%1.01%0.81%0.50%1.14%1.20%1.22%0.83%1.63%1.64%
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
Revenue1,0021,0931,2471,4351,7422,1172,2922,3532,4612,4112,8413,4003,654
Interest4976456347088841,0821,1641,1681,2181,1651,3461,7631,964
Expenses188205269250296376396424490460596706699
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 %8.54%8.4%8.03%7.82%8.34%7.65%7.91%8.31%8.64%9.73%9.79%9.48%%
Other Cost %8.91%9.15%12.59%8.73%7.85%9.04%8.53%8.91%10.32%8.24%10.63%10.73%%
Financing Profit316243344478562660732762753787899931992
Financing Margin %32%22%28%33%32%31%32%32%31%33%32%27%27%
Other Income171524617147-19141514611673
Depreciation30384555678292918482645463
Profit before tax3032203234295125936476516837208501,4881,602
Tax %30%31%30%31%31%31%32%30%30%31%34%24%
Net Profit2131512272953554104434544774955631,1261,258
EPS in Rs18.5913.1219.6926.1530.9435.7638.5539.2440.9243.8050.71101.37113.21
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:: 15.34%

Compounded Profit Growth

  • 10 Years:: 16.07%
  • 5 Years:: 8.76%
  • 3 Years:: 13.01%
  • TTM:: 33.18%

Return on Equity

  • 10 Years:: 25.86%
  • 5 Years:: 6.97%
  • 3 Years:: 13.43%
  • 1 Year:: 11.59%

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 Capital2856565656111111111111111111111111
Equity Capital27.7855.5555.5555.5555.55111.1111.1111.1111.1111.1111.1111.1111.1
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 Liabilities6365856801,4941,2921,0851,2441,2781,5271,5885686004,206
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 Assets173202232234294332343309276276294305361
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 Assets7,1317,2859,72010,98711,87613,26313,63114,95915,31217,04423,31028,47829,457
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 Activity117-2557-353283-291-283482-175-190-3671,028
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 Activity3381082,1781,3922741,019254571-1411,2156,4603,254
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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Disclaimer:
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.