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Sundaram Finance Ltd

Updated on November 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₹17,899 Cr.
Current Price ₹1,746.8 as on 27 Nov 20
52 Week High / Low Price₹1,784.95 / ₹982.05
Face Value₹10
Stock P/E24.45
Book Value₹499.31
Dividend Yield0.81 %
ROCE9.58 %
ROE13.64 %
Sales Growth (3yrs)17.49 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has been maintaining a healthy dividend payout of 20.29%
Cons: Stock is trading at 3.22 times its book value Company has low interest coverage ratio.

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 Finance ₹3,173.55 41.78 ₹210,170.41 Cr. 0.29 ₹962.32 Cr. -19.49 14.52 6648.20 11.95
2. Bajaj Finserv ₹3,173.55 26.35 ₹98,511.55 Cr. 0.08 ₹1,215.15 Cr. 43.75 15.63 14189.99 12.65
3. SBI Cards ₹799.3 60.93 ₹75,848.93 Cr. 0.12 ₹393.29 Cr. 13.80 4.06 2152.20 15.18
4. HDFC AMC ₹2,256.25 40.31 ₹51,319.04 Cr. 1.16 ₹302.36 Cr. 3.62 -18.42 411.49 46.82
5. Muthoot Finance ₹1,152 13.39 ₹45,993.68 Cr. 1.31 ₹853.51 Cr. 53.46 25.96 2604.48 16.01
6. Bajaj Holdings ₹3,173.55 9.93 ₹29,812.37 Cr. 1.49 ₹679.13 Cr. 1.47 14.84 90.25 12.16
7. Cholaman.Inv.&Fn 16.27 ₹19,031.2 Cr. 0.73 ₹431.3 Cr. 36.85 3.93 2125.55 10.30
8. Sundaram Finance ₹1.25 24.45 ₹17,899.32 Cr. 0.81 ₹165.68 Cr. 5.17 1.95 948.44 9.58

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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

Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Revenue687712789851817857882930994976942948
Interest318349391395426471475496527533516523
Expenses -128126195235150151176184191209252193
Employee Cost %9.79%9.61%9.43%9.40%9.75%9.36%9.36%9.50%8.93%9.10%9.85%9.81%
Financing Profit241236203221241236231250276234174232
Financing Margin %35%33%26%26%30%28%26%27%28%24%18%24%
Other Income422193466003646124
Depreciation151516131314141618192016
Profit before tax230242207212232227816237322221166219
Tax %33%34%33%34%34%31%17%33%16%25%21%24%
Net Profit153161138141154157675158269167131166
EPS in Rs13.7814.4612.4112.6713.8914.0960.7314.1824.2114.9911.7814.91
Gross NPA %2.00%1.74%1.29%1.72%1.79%1.90%1.33%2.20%2.20%2.79%
Net NPA %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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Revenue1,0931,2471,4351,7422,1172,2922,3532,4612,4112,8413,3243,9113,860
Interest6456347088841,0821,1641,1681,2181,1651,3461,7662,0722,099
Expenses -205269250296376396424490460596626837846
Manufacturing Cost %1.19%0.94%0.85%0.81%1.04%0.85%0.79%0.95%1.09%0.56%0.58%0.49%
Employee Cost %8.62%8.04%7.82%8.34%7.65%7.91%8.31%8.64%9.73%9.84%9.74%9.21%
Other Cost %8.93%12.58%8.73%7.85%9.04%8.53%8.91%10.32%8.24%10.58%8.52%11.70%
Financing Profit2433444785626607327627537878999311,002915
Financing Margin %22%28%33%32%31%32%32%31%33%32%28%26%24%
Other Income1524617147-191415146111685
Depreciation38455567829291848264547373
Profit before tax2203234295125936476516837208501,488945928
Tax %31%30%31%31%31%32%30%30%31%34%24%23%
Net Profit1512272953554104434544774955631,126724732
EPS in Rs13.5520.3926.1530.9435.7638.5540.8842.9644.5850.71101.3765.1665.89
Dividend Payout %24%24%26%24%24%25%26%26%26%24%17%20%

Compounded Sales Growth

  • 10 Years:: 12.11%
  • 5 Years:: 10.69%
  • 3 Years:: 17.49%
  • TTM:: 10.72%

Compounded Profit Growth

  • 10 Years:: 12.73%
  • 5 Years:: 8.60%
  • 3 Years:: 13.49%
  • TTM:: 8.32%

Return on Equity

  • 10 Years:: 21.45%
  • 5 Years:: 4.07%
  • 3 Years:: 3.11%
  • 1 Year:: 6.13%

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -56565656111111111111111111111111
Equity Capital56565656111111111111111111111111
Reserves1,0971,2611,4741,7331,9762,2942,8673,2023,6354,0234,9335,436
Borrowings6,2628,4949,1909,85411,46711,77612,53512,58713,87021,10925,00627,337
Other Liabilities -5796741,4901,2891,0841,2331,2481,4931,552568600535
Trade Payables25028380934433528884659561
Advance from Customers00598545474745584300
Other liability items3293911,3521,1119951,1531,1491,3601,410459504475
Total Liabilities7,99410,48412,21012,93114,63815,41416,76117,39319,16725,81130,64933,420
Fixed Assets -202232234294332343309276276294305360
Gross Block508466471569645688624608601353406514
Accumulated Depreciation30223223527331234431633232559101154
CWIP000003231000
Investments5125379937641,0441,4471,5211,8361,8832,2071,8663,938
Other Assets -7,2799,71410,98311,87313,26113,62014,92915,27817,00823,31028,47829,122
Inventories2952280000000000
Trade receivables2260000000201919
Cash Equivalents3161,3741,082429874674677553747982839630
Loans n Advances6,6528,1115,0205,7686,0866,4787,0586,8417,207238348429
Other asset items-6-64,8805,6766,3016,4687,1947,8849,05322,06927,27128,045
Total Assets7,99410,48412,21012,93114,63815,41416,76117,39319,16725,81130,64933,420

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity --69-2,257-1,357-1,361-70541-1,082313-1,025-6,057-4,278304
Profit from operations8909651,1261,4181,7501,8581,8471,8801,9442,3142,7883,223
Receivables-000000000-42-2
Inventory-1500000000000
Payables-6633184-1-101836-4-10430-31
Loans Advances-25-1,465-1,575-1,554-875-529-1,311-504-1,606-6,478-5,371-1,071
Operating investments0-23-17-16-18-46-209-42159-27-61-68
Stock on hire0670000000000
Leased assets-52-61-80-95-89-80-50-39-564-33-50
Bills purchased-11150000000000
Deposits-99-1,08025-146-414193-28154-163-30719258
Other WC items-100-4-15836-6136149-142-38-193
Working capital changes-279-2,513-1,650-1,743-1,314-467-1,586-258-1,521-7,058-5,278-1,356
Interest paid-610-619-711-875-949-1,138-1,145-1,130-1,250-1,075-1,423-1,338
Direct taxes-70-90-122-160-192-211-198-178-198-238-365-225
Cash from Investing Activity --2557-353283-291-283482-175-190-3671,028-1,734
Fixed assets purchased-18-15-18-15-49-27-20-18-33-17-36-24
Fixed assets sold111132324374
Investments purchased-4,004-12,678-395-3-207-500153-190-7,273-7,559-19,405
Investments sold3,99912,746030500473006,8998,58317,642
Interest received800000000000
Dividends received1722593751697010072263349
Invest in subsidiaries0-180000000000
Investment in group cos-2700-43-890-43-413-43000
Other investing items00000-27700-0-500
Cash from Financing Activity -1082,1781,3922741,019254571-1411,2156,4603,2541,319
Proceeds from debentures4,1883,4760000000000
Redemption of debentures-4,151-2,6860000000000
Proceeds from borrowings2691,2871,9803651,126701,1412191,597027,98120,020
Repayment of borrowings-3080-52400239-384-152-3060-24,505-18,394
Proceeds from deposits1831550000000000
Dividends paid-73-54-64-92-107-55-185-209-75-82-222-293
Financial liabilities00000000000-15
Other financing items0000000006,54100
Net Cash Flow14-22-318-8042313-28-41363-111

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Ratios

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %14%18%21%21%21%20%18%15%14%14%15%14%

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