Sundaram Finance Ltd.

NSE: SUNDARMFIN  SECTOR: Finance - NBFC

2330
-103.75 (-4.26%)

Price Summary

Today's High

₹ 2432

Today's Low

₹ 2297.55

52 Week High

₹ 2883.95

52 Week Low

₹ 1165

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

25887.19938 Cr.

Advances

27357.8591 Cr.

No. of Shares

11.110386 Cr.

P/E

35.43

P/B

4.24

Face Value

₹ 10

Div. Yield

0.56%

Book Value (TTM)

₹  549.5381

Operating Revenue

3842.0898 Cr.

Net Profit

723.9476 Cr.

Promoter Holding

35.91%

EPS (TTM)

₹  65.7704

Sales Growth

15.6729059832174 %

ROE

13.6776398121282 %

ROCE

9.58833077270329 %

Profit Growth

-35.7238796322998 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

Income Growth (in Cr.)

1 Year15.67%
3 Year18.23%
5 Year11.26%

Profit Growth (in Cr.)

1 Year-35.72%
3 Year13.48%
5 Year9.77%

ROE%

1 Year13.68%
3 Year17.52%
5 Year16.35%

ROCE %

1 Year9.59%
3 Year10.54%
5 Year10.99%

ROA%

2.26710254972297

PEG Ratio

NA

PAT Margin (%)

18.8425476156231

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2021 35.91 0
Dec 2020 35.91 0
Sep 2020 35.93 0
Jun 2020 35.93 0
Mar 2020 35.93 0
* Figures given above are % of equity capital

 Strengths

  • Company has a healthy Return on Equity (ROE) track record of 17.51520222786%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 18.2301024030546%.
  • The company boasts a well-maintained advances growth ratio of 55.4069640841288%.

 Limitations

  • PAT margin has shrunk by 15.0669700459553%.
  • Provision and contingencies have increased by 140.904905041575%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
Operating Revenue 976.24 941.92 948.44 992.96 1044.96
Other Income 5.92 11.61 3.62 4.9 1.5
Interest Expended 533.38 515.64 523.46 515.41 507.14
Operating Expenses 209.03 252.42 193.21 211.33 201.31
Total Provisions 0 0 0 0 0
Depreciation 18.74 19.92 16.4 17.3 17.85
Profit Before Tax 221 165.56 218.99 253.83 320.16
Tax 54.46 34.67 53.31 61.85 77.98
Net Profit 166.54 130.89 165.68 191.98 242.18

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Operating Income 2312.39 2324.78 2806.27 3321.51 3842.09
Other Income 166.81 101.72 49.13 20.56 97.25
Interest 1217.74 1164.52 1346.02 1766.47 2072.03
Operating Expenses 444.66 431.77 495.37 539.7 583.42
Total Provisions 133.57 109.99 164.29 140.62 338.77
Exceptional Items 0 0 0 592.43 0
Profit Before Tax 683.23 720.21 849.71 1487.71 945.12
Tax 205.96 224.85 286.28 361.4 221.17
Profit After Tax 477.28 495.35 563.44 1126.31 723.95
Adjusted EPS (Rs.) 42.96 44.58 50.71 101.37 65.16

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 111.1 111.1 111.1 111.1 111.1
Total Reserves 3201.52 3634.53 4022.53 4932.71 5436.26
Borrowings 4865.17 6028.9 12292.79 19101.87 20876.26
Other N/C liabilities 1061.95 169.17 19.2 -17.13 -88.5
Current liabilities 8970 9106.83 9311.36 6440.52 6961.25
Total Liabilities 18209.75 19050.53 25756.99 30569.06 33296.39
Assets
Loans 6441.97 7289.05 19954.02 25929.23 27357.86
Net Block 275.91 275.71 223.03 225.43 280.71
Capital WIP 0 0 0 0 0
Investments 1504.66 1657.39 1853.84 1769.22 2763.17
Other Loans 2406.97 1792.3 215.56 164.37 191.95
Other N/C Assets 10.43 8.84 24.54 18.17 19.03
Current Assets 7569.81 8027.25 3486.01 2462.65 2683.66
Total Assets 18209.75 19050.53 25756.99 30569.06 33296.39
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Ratings & Research Reports

Company Presentations

Company News

Sundaram Finance Stock Price Analysis and Quick Research Report. Is Sundaram Finance an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Sundaram Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 723.9476 Cr and the compounded growth of profit in the past 3 years is 13.4829922231092 %. The PAT margin of Sundaram Finance is 18.8425476156231 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Sundaram Finance , the EPS declined by -35.7239105730835 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Sundaram Finance is at 13.6776398121282 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Sundaram Finance is worth at the current levels at Rs 2330. The stock is trading at a current P/E ratio of 18.4232537082083 and the average historical P/E for the last 5 years was 26.6737287868482.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Sundaram Finance is trading at a P/B of 4.23992440196594 . The average historical P/B for the last 5 years was 3.90198459540366. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Sundaram Finance

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