Sundaram Finance Limited Logo

Sundaram Finance Limited

SUNDARMFIN.NS

(1.8)
Stock Price

4.178,20 INR

0% ROA

12.91% ROE

39.56x PER

Market Cap.

596.556.262.400,00 INR

0% DER

0.56% Yield

25.66% NPM

Sundaram Finance Limited Stock Analysis

Sundaram Finance Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Sundaram Finance Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (15.42%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

3 ROA

The stock's ROA (2.78%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

5 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (8.119) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

6 PBV

The stock's high Price-to-Book Value (P/BV) ratio (4.11x) suggests it's overvalued, potentially making it an expensive investment.

7 DER

The stock is burdened with a heavy load of debt (343%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Sundaram Finance Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Sundaram Finance Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Sundaram Finance Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Sundaram Finance Limited Revenue
Year Revenue Growth
2004 7.043.434.000
2005 8.617.863.000 18.27%
2006 10.770.437.000 19.99%
2007 14.306.801.000 24.72%
2008 17.424.455.000 17.89%
2009 19.904.667.000 12.46%
2010 23.503.201.000 15.31%
2011 30.059.160.000 21.81%
2012 22.024.613.000 -36.48%
2013 24.013.977.000 8.28%
2014 25.089.166.000 4.29%
2015 32.070.253.000 21.77%
2016 38.416.175.000 16.52%
2017 42.575.539.000 9.77%
2018 17.542.234.000 -142.7%
2019 21.382.747.000 17.96%
2020 25.320.636.000 15.55%
2021 27.702.200.000 8.6%
2022 29.993.200.000 7.64%
2023 34.199.200.000 12.3%
2023 72.151.500.000 52.6%
2024 78.067.600.000 7.58%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Sundaram Finance Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Sundaram Finance Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 1.250.672.000
2005 1.721.702.000 27.36%
2006 1.632.751.000 -5.45%
2007 1.627.061.000 -0.35%
2008 2.218.220.000 26.65%
2009 2.694.555.000 17.68%
2010 3.467.533.000 22.29%
2011 4.506.613.000 23.06%
2012 3.599.444.000 -25.2%
2013 2.880.991.000 -24.94%
2014 3.263.891.000 11.73%
2015 4.543.344.000 28.16%
2016 5.875.358.000 22.67%
2017 5.031.956.000 -16.76%
2018 2.042.621.000 -146.35%
2019 2.198.572.000 7.09%
2020 1.936.544.000 -13.53%
2021 2.620.300.000 26.09%
2022 3.362.200.000 22.07%
2023 4.113.200.000 18.26%
2023 4.067.600.000 -1.12%
2024 3.250.800.000 -25.13%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Sundaram Finance Limited EBITDA
Year EBITDA Growth
2004 4.472.907.000
2005 6.033.316.000 25.86%
2006 6.848.186.000 11.9%
2007 10.078.118.000 32.05%
2008 10.986.352.000 8.27%
2009 12.515.181.000 12.22%
2010 15.469.122.000 19.1%
2011 19.211.990.000 19.48%
2012 24.167.464.000 20.5%
2013 27.041.092.000 10.63%
2014 27.459.313.000 1.52%
2015 28.056.204.000 2.13%
2016 28.610.915.000 1.94%
2017 30.171.900.000 5.17%
2018 33.732.445.000 10.56%
2019 9.858.085.000 -242.18%
2020 14.926.200.000 33.95%
2021 15.233.500.000 2.02%
2022 17.570.300.000 13.3%
2023 22.070.800.000 20.39%
2023 25.340.800.000 12.9%
2024 25.551.200.000 0.82%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Sundaram Finance Limited Gross Profit
Year Gross Profit Growth
2004 7.043.434.000
2005 8.617.863.000 18.27%
2006 10.770.437.000 19.99%
2007 14.306.801.000 24.72%
2008 17.424.455.000 17.89%
2009 19.904.667.000 12.46%
2010 23.503.201.000 15.31%
2011 30.059.160.000 21.81%
2012 22.024.613.000 -36.48%
2013 24.013.977.000 8.28%
2014 25.089.166.000 4.29%
2015 32.070.253.000 21.77%
2016 15.497.619.000 -106.94%
2017 16.667.327.000 7.02%
2018 14.022.869.000 -18.86%
2019 15.791.205.000 11.2%
2020 18.921.036.000 16.54%
2021 21.426.200.000 11.69%
2022 23.420.400.000 8.51%
2023 34.199.200.000 31.52%
2023 35.197.600.000 2.84%
2024 35.722.000.000 1.47%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Sundaram Finance Limited Net Profit
Year Net Profit Growth
2004 892.013.000
2005 1.980.282.000 54.96%
2006 1.402.037.000 -41.24%
2007 2.521.605.000 44.4%
2008 1.678.861.000 -50.2%
2009 2.736.229.000 38.64%
2010 3.889.022.000 29.64%
2011 4.579.141.000 15.07%
2012 5.639.691.000 18.81%
2013 5.810.559.000 2.94%
2014 5.758.824.000 -0.9%
2015 5.831.745.000 1.25%
2016 6.834.795.000 14.68%
2017 7.115.359.000 3.94%
2018 11.608.539.000 38.71%
2019 7.915.439.000 -46.66%
2020 11.650.900.000 32.06%
2021 11.733.400.000 0.7%
2022 13.277.600.000 11.63%
2023 14.616.800.000 9.16%
2023 14.360.200.000 -1.79%
2024 17.394.000.000 17.44%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Sundaram Finance Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 8
2005 18 52.94%
2006 13 -41.67%
2007 23 45.45%
2008 15 -46.67%
2009 25 37.5%
2010 35 31.43%
2011 41 14.63%
2012 51 18%
2013 52 3.85%
2014 52 -1.96%
2015 52 1.92%
2016 62 14.75%
2017 65 4.69%
2018 105 39.05%
2019 72 -47.89%
2020 106 32.38%
2021 106 0.94%
2022 120 10.92%
2023 133 9.85%
2023 130 -1.54%
2024 158 17.2%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Sundaram Finance Limited Free Cashflow
Year Free Cashflow Growth
2004 -8.536.802.000
2005 -6.012.405.000 -41.99%
2006 -13.697.163.000 56.1%
2007 -6.894.753.000 -98.66%
2008 -2.683.572.000 -156.92%
2009 -25.781.148.000 89.59%
2010 -15.663.026.000 -64.6%
2011 -24.059.531.000 34.9%
2012 -11.792.617.000 -104.02%
2013 -6.162.006.000 -91.38%
2014 -14.633.894.000 57.89%
2015 2.608.890.000 660.92%
2016 -10.144.114.000 125.72%
2017 -30.278.034.000 66.5%
2018 -42.366.885.000 28.53%
2019 -413.878.000 -10136.56%
2020 4.348.050.000 109.52%
2021 15.857.200.000 72.58%
2022 -65.296.400.000 124.28%
2023 0 0%
2023 21.746.400.000 100%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Sundaram Finance Limited Operating Cashflow
Year Operating Cashflow Growth
2004 -8.319.017.000
2005 -5.868.297.000 -41.76%
2006 -13.476.619.000 56.46%
2007 -6.554.988.000 -105.59%
2008 -2.417.720.000 -171.12%
2009 -25.284.658.000 90.44%
2010 -15.295.069.000 -65.31%
2011 -23.740.953.000 35.58%
2012 -11.182.283.000 -112.31%
2013 -5.628.145.000 -98.69%
2014 -14.297.032.000 60.63%
2015 3.103.188.000 560.72%
2016 -9.650.482.000 132.16%
2017 -29.894.178.000 67.72%
2018 -41.982.204.000 28.79%
2019 87.795.000 47918.45%
2020 4.495.144.000 98.05%
2021 18.622.000.000 75.86%
2022 -65.042.900.000 128.63%
2023 0 0%
2023 22.579.900.000 100%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Sundaram Finance Limited Capital Expenditure
Year Capital Expenditure Growth
2004 217.785.000
2005 144.108.000 -51.13%
2006 220.544.000 34.66%
2007 339.765.000 35.09%
2008 265.852.000 -27.8%
2009 496.490.000 46.45%
2010 367.957.000 -34.93%
2011 318.578.000 -15.5%
2012 610.334.000 47.8%
2013 533.861.000 -14.32%
2014 336.862.000 -58.48%
2015 494.298.000 31.85%
2016 493.632.000 -0.13%
2017 383.856.000 -28.6%
2018 384.681.000 0.21%
2019 501.673.000 23.32%
2020 147.094.000 -241.06%
2021 2.764.800.000 94.68%
2022 253.500.000 -990.65%
2023 0 0%
2023 833.500.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Sundaram Finance Limited Equity
Year Equity Growth
2004 7.690.146.000
2005 9.451.419.000 18.64%
2006 9.514.828.000 0.67%
2007 12.568.591.000 24.3%
2008 13.937.449.000 9.82%
2009 16.229.377.000 14.12%
2010 19.492.774.000 16.74%
2011 23.451.104.000 16.88%
2012 28.923.293.000 18.92%
2013 34.577.062.000 16.35%
2014 41.592.888.000 16.87%
2015 47.987.456.000 13.33%
2016 54.968.974.000 12.7%
2017 57.234.928.000 3.96%
2018 79.982.085.000 28.44%
2019 81.322.968.000 1.65%
2020 94.505.065.000 13.95%
2021 110.889.100.000 14.78%
2022 126.384.800.000 12.26%
2023 136.146.500.000 7.17%
2023 539.275.900.000 74.75%
2024 110.782.200.000 -386.79%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Sundaram Finance Limited Assets
Year Assets Growth
2004 59.491.454.000
2005 70.688.807.000 15.84%
2006 85.024.689.000 16.86%
2007 97.032.946.000 12.38%
2008 104.508.574.000 7.15%
2009 133.554.562.000 21.75%
2010 159.015.176.000 16.01%
2011 182.382.902.000 12.81%
2012 220.463.658.000 17.27%
2013 239.147.358.000 7.81%
2014 257.854.523.000 7.25%
2015 280.268.092.000 8%
2016 307.562.065.000 8.87%
2017 363.960.003.000 15.5%
2018 336.708.327.000 -8.09%
2019 447.209.103.000 24.71%
2020 465.925.371.000 4.02%
2021 481.540.300.000 3.24%
2022 560.659.000.000 14.11%
2023 632.973.900.000 11.42%
2023 642.760.400.000 1.52%
2024 0 0%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Sundaram Finance Limited Liabilities
Year Liabilities Growth
2004 51.801.308.000
2005 61.237.388.000 15.41%
2006 75.509.861.000 18.9%
2007 84.464.355.000 10.6%
2008 90.571.125.000 6.74%
2009 117.325.185.000 22.8%
2010 139.522.402.000 15.91%
2011 158.931.798.000 12.21%
2012 191.540.365.000 17.02%
2013 204.570.296.000 6.37%
2014 216.261.635.000 5.41%
2015 232.280.636.000 6.9%
2016 252.593.091.000 8.04%
2017 306.725.075.000 17.65%
2018 256.726.242.000 -19.48%
2019 365.886.135.000 29.83%
2020 371.420.306.000 1.49%
2021 370.651.200.000 -0.21%
2022 434.274.200.000 14.65%
2023 496.827.400.000 12.59%
2023 531.978.199.999 6.61%
2024 0 0%

Sundaram Finance Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
528.8
Net Income per Share
135.71
Price to Earning Ratio
39.56x
Price To Sales Ratio
10.24x
POCF Ratio
324.21
PFCF Ratio
326.84
Price to Book Ratio
5.34
EV to Sales
10.24
EV Over EBITDA
22.74
EV to Operating CashFlow
326.84
EV to FreeCashFlow
326.84
Earnings Yield
0.03
FreeCashFlow Yield
0
Market Cap
596,56 Bil.
Enterprise Value
596,56 Bil.
Graham Number
1751.98
Graham NetNet
0

Income Statement Metrics

Net Income per Share
135.71
Income Quality
0.12
ROE
0.13
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.73
EBT Per Ebit
0.85
Ebit per Revenue
0.42
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.32
Operating Profit Margin
0.42
Pretax Profit Margin
0.35
Net Profit Margin
0.26

Dividends

Dividend Yield
0.01
Dividend Yield %
0.56
Payout Ratio
0
Dividend Per Share
30

Operating Metrics

Operating Cashflow per Share
16.56
Free CashFlow per Share
16.56
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.16
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
1005.22
Interest Debt per Share
332.38
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
0,00 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,53 Bil.
Average Payables
0,87 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Sundaram Finance Limited Dividends
Year Dividends Growth
2002 6
2003 8 14.29%
2004 7 0%
2005 8 0%
2006 14 46.15%
2007 11 -30%
2008 15 33.33%
2009 7 -150%
2010 10 40%
2011 14 28.57%
2012 16 6.67%
2013 9 -66.67%
2014 10 10%
2015 11 0%
2016 11 9.09%
2017 12 0%
2018 12 8.33%
2019 10 -20%
2020 13 23.08%
2021 24 45.83%
2022 20 -20%
2023 27 25.93%
2024 30 10%

Sundaram Finance Limited Profile

About Sundaram Finance Limited

Sundaram Finance Limited provides a range of financial services in India. It accepts fixed, cumulative, and NRI deposits. The company also offers finance for new and used cars, new and used commercial vehicles, and new and used construction equipment; diesel finance for commercial vehicle operators and companies; tire and insurance finance; finance for new/used tractors, harvesters, and farm implements; working capital, enterprise business, and machinery term loans, as well as channel finance; housing finance; and leasing services. In addition, it distributes a range of financial products, such as mutual funds, insurance, etc.; and provides information technology, and business processing and support services. Further, the company offers a suite of investment management services, which include financial planning, asset allocation and execution, portfolio management, tax management, risk management, and estate management; and life insurance products comprising child, pension, whole-life, term, and investment plans. It operates through a network of 618 branches. The company was incorporated in 1954 and is based in Chennai, India.

CEO
Mr. Rajiv Chellappa Lochan
Employee
5.059
Address
21, Patullos Road
Chennai, 600002

Sundaram Finance Limited Executives & BODs

Sundaram Finance Limited Executives & BODs
# Name Age
1 Mr. Rajiv Chellappa Lochan
MD & Whole Time Director
70
2 Mr. Harsha Viji
Executive Vice Chairman
70
3 Mr. M. Ramaswamy
Chief Financial Officer
70
4 Mr. Sudheer Sankaran Warrier B.E
Chief Technology & Digital Officer
70
5 Mr. Ayalur Natarajan Raju
Deputy MD & Director
70
6 Mr. Moahan Ananda Venkatesan
Senior Vice President & Head of Tamil Nadu
70
7 Mr. K. SankaraKumar
Senior Vice President of Corporate Finance
70
8 Mr. Rajesh Venkat
Senior Vice President and Head of Western Region & Analytics
70
9 N. Ramachandran
Executive Director
70
10 Mr. R. Venkatraman
National Head of Vruddhi & Director
70

Sundaram Finance Limited Competitors