Sundaram Finance
Market Cap
₹196.6b
Last Updated
2020/12/04 12:22 UTC
Data Sources
Company Financials
Executive Summary
Sundaram Finance Limited provides a range of financial services in India. More Details
Risk Analysis
Snowflake Analysis
Acceptable track record with mediocre balance sheet.
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 is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: SUNDARMFIN's weekly volatility (5%) has been stable over the past year.
Market Performance
7 Day Return
1.6%
SUNDARMFIN
0.1%
IN Consumer Finance
3.0%
IN Market
1 Year Return
10.8%
SUNDARMFIN
13.1%
IN Consumer Finance
13.5%
IN Market
Return vs Industry: SUNDARMFIN underperformed the Indian Consumer Finance industry which returned 11.9% over the past year.
Return vs Market: SUNDARMFIN matched the Indian Market which returned 11.8% over the past year.
Shareholder returns
| SUNDARMFIN | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.6% | 0.1% | 3.0% |
| 30 Day | 12.6% | 24.3% | 12.9% |
| 90 Day | 26.9% | 25.9% | 16.1% |
| 1 Year | 11.7%10.8% | 18.0%13.1% | 15.6%13.5% |
| 3 Year | -2.7%-5.2% | 72.8%56.7% | 10.0%4.6% |
| 5 Year | 38.4%32.7% | 273.8%229.6% | 65.2%52.7% |
Long-Term 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
1 week ago | Simply Wall St
This Insider Has Just Sold Shares In Sundaram Finance Limited (NSE:SUNDARMFIN)1 month ago | Simply Wall St
Is Sundaram Finance Limited's (NSE:SUNDARMFIN) Shareholder Ownership Skewed Towards Insiders?Valuation
Is Sundaram Finance undervalued compared to its fair value and its price relative to the market?
20.34x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SUNDARMFIN (₹1774.95) is trading above our estimate of fair value (₹253.16)
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 (20.3x) compared to the IN Consumer Finance industry average (11.8x).
PE vs Market: SUNDARMFIN is poor value based on its PE Ratio (20.3x) compared to the Indian market (17.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SUNDARMFIN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: SUNDARMFIN is overvalued based on its PB Ratio (2.7x) compared to the IN Consumer Finance industry average (0.6x).
Next Steps
Future Growth
How is Sundaram Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
35.0%
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Sundaram Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Next Steps
- Take a look at our analysis of SUNDARMFIN’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
- Sundaram Finance competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
Past Performance
How has Sundaram Finance performed over the past 5 years?
10.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SUNDARMFIN has high quality earnings.
Growing Profit Margin: SUNDARMFIN's current net profit margins (38.9%) are higher than last year (-2248.1%).
Past Earnings Growth Analysis
Earnings Trend: SUNDARMFIN's earnings have grown by 10.5% per year over the past 5 years.
Accelerating Growth: SUNDARMFIN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SUNDARMFIN had negative earnings growth (-15.7%) over the past year, making it difficult to compare to the Consumer Finance industry average (-2.6%).
Return on Equity
High ROE: SUNDARMFIN's Return on Equity (11.8%) is considered low.
Next Steps
Financial Health
How is Sundaram Finance's financial position?
Financial Position Analysis
Short Term Liabilities: SUNDARMFIN's short term assets (₹389.4B) exceed its short term liabilities (₹58.2B).
Long Term Liabilities: SUNDARMFIN's short term assets (₹389.4B) exceed its long term liabilities (₹323.6B).
Debt to Equity History and Analysis
Debt Level: SUNDARMFIN's debt to equity ratio (369.3%) is considered high.
Reducing Debt: SUNDARMFIN's debt to equity ratio has reduced from 390.4% to 369.3% over the past 5 years.
Debt Coverage: SUNDARMFIN's debt is not well covered by operating cash flow (3.1%).
Interest Coverage: Insufficient data to determine if SUNDARMFIN's interest payments on its debt are well covered by EBIT.
Balance Sheet
Next Steps
Dividend
What is Sundaram Finance current dividend yield, its reliability and sustainability?
0.73%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SUNDARMFIN's dividend (0.73%) is higher than the bottom 25% of dividend payers in the Indian market (0.51%).
High Dividend: SUNDARMFIN's dividend (0.73%) is low compared to the top 25% of dividend payers in the Indian market (2.04%).
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 (3.4%), SUNDARMFIN's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
4.6yrs
Average management tenure
CEO
Thiruvallur Srinivasaraghavan (65 yo)
no data
Tenure
₹50,948,000
Compensation
Mr. Thiruvallur Thattai Srinivasaraghavan serves as the Managing Director of Sundaram Finance Limited since 2003 and has been its Executive Director since February 1, 1998. Mr. Srinivasaraghavan has a vast...
CEO Compensation Analysis
Compensation vs Market: Thiruvallur's total compensation ($USD690.20K) is about average for companies of similar size in the Indian market ($USD774.66K).
Compensation vs Earnings: Thiruvallur's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| MD & Director | no data | ₹50.95m | 1.16% ₹ 2.3b | |
| Chief Financial Officer | 9.25yrs | ₹20.16m | 0.030% ₹ 59.1m | |
| VP of Operations & Head of Western Region | no data | ₹6.50m | no data | |
| Senior VP & Head of Corporate Finance | no data | ₹5.90m | 0.090% ₹ 176.1m | |
| Chief Information Officer | no data | ₹7.30m | no data | |
| Company Secretary & Compliance Officer | no data | ₹12.59m | 0.031% ₹ 61.3m | |
| Director of Operations & Director | 6.5yrs | ₹29.04m | 0.034% ₹ 66.4m | |
| Deputy MD & Director | 10.25yrs | ₹39.67m | 1.52% ₹ 3.0b | |
| Senior VP & Head of Distribution | no data | ₹5.80m | no data | |
| Senior Vice President of Sundaram Infotech Solutions | no data | ₹5.90m | no data | |
| Whole Time Director & Director of Strategy | 4.08yrs | ₹1.41m | no data | |
| VP and Head of Administration & Corporate Communications | no data | no data | no data |
4.6yrs
Average Tenure
59yo
Average Age
Experienced Management: SUNDARMFIN's management team is considered experienced (4.6 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| MD & Director | no data | ₹50.95m | 1.16% ₹ 2.3b | |
| Director of Operations & Director | 6.5yrs | ₹29.04m | 0.034% ₹ 66.4m | |
| Deputy MD & Director | 10.25yrs | ₹39.67m | 1.52% ₹ 3.0b | |
| Whole Time Director & Director of Strategy | 4.08yrs | ₹1.41m | no data | |
| Independent Non-Executive Director | 9.92yrs | ₹1.49m | no data | |
| Chairman of the Board | 15.5yrs | ₹1.00m | 2.84% ₹ 5.6b | |
| Non-Executive Director | 32.25yrs | ₹1.00m | 0.73% ₹ 1.4b | |
| Additional Independent Director | 0.33yr | no data | no data | |
| Independent Non-Executive Director | 6.92yrs | ₹1.65m | 0.27% ₹ 534.3m | |
| Independent Non-Executive Director | 12.17yrs | ₹2.05m | 0.0057% ₹ 11.1m | |
| Independent Non-Executive Director | 6.58yrs | ₹1.46m | 0.0029% ₹ 5.7m | |
| Additional Non-Executive & Independent Director | 1.67yrs | ₹985.00k | no data |
8.4yrs
Average Tenure
65.5yo
Average Age
Experienced Board: SUNDARMFIN's board of directors are considered experienced (8.4 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: SUNDARMFIN insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
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: ₹196.582b
- 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 | 2020/12/04 12:22 |
| End of Day Share Price | 2020/12/04 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2020/03/31 |
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.