Sundaram Finance
Market Cap
₹184.1b
Last Updated
2019/11/20 12:38 UTC
Data Sources
Company Financials +
Executive Summary
Sundaram Finance Limited provides a range of financial services in India.
Snowflake
Fundamentals
Average dividend payer with acceptable track record.
Similar Companies
Share Price & News
How has Sundaram Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: SUNDARMFIN has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
2.4%
SUNDARMFIN
0.7%
IN Consumer Finance
-0.06%
IN Market
1 Year Return
17.8%
SUNDARMFIN
41.4%
IN Consumer Finance
4.9%
IN Market
Return vs Industry: SUNDARMFIN underperformed the Indian Consumer Finance industry which returned 41.4% over the past year.
Return vs Market: SUNDARMFIN exceeded the Indian Market which returned 4.9% over the past year.
Shareholder returns
| SUNDARMFIN | Industry | Market | |
|---|---|---|---|
| 7 Day | 2.4% | 0.7% | -0.06% |
| 30 Day | 1.4% | 1.9% | 1.9% |
| 90 Day | 7.2% | 21.6% | 9.6% |
| 1 Year | 19.1%17.8% | 42.5%41.4% | 6.9%4.9% |
| 3 Year | 39.3%35.8% | 148.0%142.5% | 38.5%31.5% |
| 5 Year | 34.8%29.3% | 269.8%252.8% | 41.8%29.1% |
Price Volatility Vs. Market
How volatile is Sundaram Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
5 days ago | Simply Wall St
Read This Before Buying Sundaram Finance Limited (NSE:SUNDARMFIN) Shares1 year ago | Simply Wall St
Should You Be Tempted To Sell Sundaram Finance Limited (NSE:SUNDARMFIN) At Its Current PE Ratio?1 year ago | Simply Wall St
Is Sundaram Finance Limited (NSE:SUNDARMFIN) Undervalued?Valuation
Is Sundaram Finance undervalued compared to its fair value and its price relative to the market?
15.73x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SUNDARMFIN (₹1642.25) is trading above our estimate of fair value (₹425.95)
Significantly Below Fair Value: SUNDARMFIN is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SUNDARMFIN is poor value based on its PE Ratio (15.7x) compared to the Consumer Finance industry average (13.9x).
PE vs Market: SUNDARMFIN is poor value based on its PE Ratio (15.7x) compared to the Indian market (13.2x).
Price to Earnings Growth Ratio
PEG Ratio: SUNDARMFIN's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: SUNDARMFIN is overvalued based on its PB Ratio (2.9x) compared to the IN Consumer Finance industry average (0.7x).
Next Steps
Future Growth
How is Sundaram Finance forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
-0.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SUNDARMFIN's earnings are forecast to decline over the next 3 years (-0.2% per year).
Earnings vs Market: SUNDARMFIN's earnings are forecast to decline over the next 3 years (-0.2% per year).
High Growth Earnings: SUNDARMFIN's earnings are forecast to decline over the next 3 years.
Revenue vs Market: SUNDARMFIN's revenue (29.4% per year) is forecast to grow faster than the Indian market (11.5% per year).
High Growth Revenue: SUNDARMFIN's revenue (29.4% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SUNDARMFIN's Return on Equity is forecast to be low in 3 years time (13.1%).
Next Steps
Past Performance
How has Sundaram Finance performed over the past 5 years?
17.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SUNDARMFIN has large one-off items impacting its financial results.
Growing Profit Margin: SUNDARMFIN's current net profit margins (-2959.6%) are lower than last year (27.1%).
Past Earnings Growth Analysis
Earnings Trend: SUNDARMFIN's earnings have grown by 17.2% per year over the past 5 years.
Accelerating Growth: SUNDARMFIN's earnings growth over the past year (21.6%) exceeds its 5-year average (17.2% per year).
Earnings vs Industry: SUNDARMFIN earnings growth over the past year (21.6%) exceeded the Consumer Finance industry 16.2%.
Return on Equity
High ROE: SUNDARMFIN's Return on Equity (15.3%) is considered low.
Return on Assets
Return on Capital Employed
Next Steps
Financial Health
How is Sundaram Finance's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: SUNDARMFIN has a low level of unsold assets or inventory.
Debt Coverage by Assets: SUNDARMFIN's debt is covered by short term assets (assets are 1.2x debt).
Financial Institutions Analysis
Asset Level: SUNDARMFIN's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if SUNDARMFIN has a sufficient allowance for bad loans.
Low Risk Liabilities: SUNDARMFIN reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if SUNDARMFIN has an acceptable proportion of non-loan assets held.
Low Risk Deposits: SUNDARMFIN has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if SUNDARMFIN has an appropriate level of bad loans.
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Dividend
What is Sundaram Finance's current dividend yield, its reliability and sustainability?
0.76%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: SUNDARMFIN's dividend (0.76%) is higher than the bottom 25% of dividend payers in the Indian market (0.58%).
High Dividend: SUNDARMFIN's dividend (0.76%) is low compared to the top 25% of dividend payers in the Indian market (2.43%).
Stability and Growth of Payments
Stable Dividend: SUNDARMFIN's dividend payments have been volatile in the past 10 years.
Growing Dividend: SUNDARMFIN's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (12%), SUNDARMFIN's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SUNDARMFIN's dividends in 3 years are forecast to be well covered by earnings (17.2% payout ratio).
Next Steps
Management
What is the CEO of Sundaram Finance's salary, the management and board of directors tenure and is there insider trading?
8.8yrs
Average board tenure
CEO
Thiruvallur Srinivasaraghavan (64yo)
0yrs
Tenure
₹49,114,000
Compensation
Mr. Thiruvallur Thattai Srinivasaraghavan serves as the Managing Director of Sundaram Finance Limited and has been its Executive Director since February 1, 1998. Mr. Srinivasaraghavan has a vast experience ...
CEO Compensation Analysis
Compensation vs Market: Thiruvallur's total compensation ($USD683.41K) is about average for companies of similar size in the Indian market ($USD710.65K).
Compensation vs Earnings: Thiruvallur's compensation has been consistent with company performance over the past year.
Board Age and Tenure
8.8yrs
Average Tenure
69.5yo
Average Age
Experienced Board: SUNDARMFIN's board of directors are considered experienced (8.8 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Shares | 2,619 |
| Max Price | ₹1,647.71 |
| Entity | Individual |
| Shares | 2,136 |
| Max Price | ₹1,588.15 |
| Entity | Individual |
| Shares | 3,364 |
| Max Price | ₹1,639.16 |
| Entity | Individual |
| Shares | 2,481 |
| Max Price | ₹1,649.86 |
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Management Team
Thiruvallur Srinivasaraghavan (64yo)
MD & Director
- Tenure: 0yrs
- Compensation: ₹49.11m
Srinivasan Ravindran (68yo)
Senior VP
- Tenure: 11.3yrs
- Compensation: ₹1.70m
M. Ramaswamy (56yo)
Chief Financial Officer
- Tenure: 8.2yrs
- Compensation: ₹20.75m
Ayalur Raju (60yo)
Director of Operations & Director
- Tenure: 5.4yrs
- Compensation: ₹27.96m
S. Srinivasan (57yo)
Senior VP & Head of Corporate Finance
- Tenure: 0yrs
P. Viswanathan (81yo)
Company Secretary & Compliance Officer
- Tenure: 0yrs
- Compensation: ₹13.20m
Harsha Viji (44yo)
Deputy MD & Director
- Tenure: 9.2yrs
- Compensation: ₹38.06m
Rajesh Venkat (44yo)
VP of Operations & Deputy Region Head of West
- Tenure: 0yrs
S. Sridhar (50yo)
VP & Head of Treasury
- Tenure: 0yrs
V. Ananthanarayanan (56yo)
Chief Information Officer
- Tenure: 0yrs
Board Members
Pudugramam Venkatachalam (75yo)
Independent Non-Executive Director
- Tenure: 8.8yrs
- Compensation: ₹1.59m
Santhanam Viji (73yo)
Chairman of the Board
- Tenure: 14.4yrs
- Compensation: ₹1.05m
Thiruvallur Srinivasaraghavan (64yo)
MD & Director
- Tenure: 0yrs
- Compensation: ₹49.11m
Srinivasan Ravindran (68yo)
Senior VP
- Tenure: 11.3yrs
- Compensation: ₹1.70m
Ayalur Raju (60yo)
Director of Operations & Director
- Tenure: 5.4yrs
- Compensation: ₹27.96m
Shobhana Ramachandhran (59yo)
Independent Non-Executive Director
- Tenure: 5.8yrs
- Compensation: ₹1.68m
Harsha Viji (44yo)
Deputy MD & Director
- Tenure: 9.2yrs
- Compensation: ₹38.06m
Sreenivasan Prasad (71yo)
Independent Non-Executive Director
- Tenure: 2.8yrs
- Compensation: ₹2.08m
Santhanam Ram (79yo)
Non-Executive Director
- Tenure: 0yrs
- Compensation: ₹1.05m
Seturaman Mahalingam (71yo)
Independent Non-Executive Director
- Tenure: 5.5yrs
- Compensation: ₹1.46m
Company Information
Sundaram Finance Limited's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Sundaram Finance Limited
- Ticker: SUNDARMFIN
- Exchange: NSEI
- Founded: 1954
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹184.127b
- Shares outstanding: 111.10m
- Website: https://www.sundaramfinance.in
Location
- Sundaram Finance Limited
- 21, Patullos Road
- Chennai
- Tamil Nadu
- 600002
- India
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| SUNDARMFIN | NSEI (National Stock Exchange of India) | Yes | Equity Shares | IN | INR | Jan 1998 |
| 590071 | BSE (Mumbai Stock Exchange) | Yes | Equity Shares | IN | INR | Jan 1998 |
Biography
Sundaram Finance Limited provides a range of financial services in India. The company accepts fixed, cumulative, and NRI deposits. It also offers finance for new and used cars, new and used commercial vehi ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/11/20 12:38 |
| End of Day Share Price | 2019/11/20 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2019/03/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.