| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 3/6 |
| Dividends | 3/6 |
SUNDARMFIN Overview
Sundaram Finance Limited provides a range of financial services in India.
Sundaram Finance Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₹2,349.85 |
| 52 Week High | ₹1,276.05 |
| 52 Week Low | ₹2,868.00 |
| Beta | 0.63 |
| 1 Month Change | -9.30% |
| 3 Month Change | -11.94% |
| 1 Year Change | 78.17% |
| 3 Year Change | 54.97% |
| 5 Year Change | 73.57% |
| Change since IPO | 1,959.01% |
Recent News & Updates
Shareholder Returns
| SUNDARMFIN | IN Consumer Finance | IN Market | |
|---|---|---|---|
| 7D | -3.1% | 1.3% | 0.8% |
| 1Y | 78.2% | 95.9% | 67.5% |
Return vs Industry: SUNDARMFIN underperformed the Indian Consumer Finance industry which returned 95.9% over the past year.
Return vs Market: SUNDARMFIN exceeded the Indian Market which returned 67.5% over the past year.
Price Volatility
| SUNDARMFIN volatility | |
|---|---|
| SUNDARMFIN Beta | 0.63 |
| Industry Beta | 1.25 |
| Market Beta | 1 |
Stable Share Price: SUNDARMFIN is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: SUNDARMFIN's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1954 | 4,036 | Rajiv Lochan | https://www.sundaramfinance.in |
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 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.
Sundaram Finance Fundamentals Summary
| SUNDARMFIN fundamental statistics | |
|---|---|
| Market Cap | ₹261.08b |
| Earnings (TTM) | ₹11.81b |
| Revenue (TTM) | ₹27.54b |
22.1x
P/E Ratio9.5x
P/S RatioIs SUNDARMFIN overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SUNDARMFIN income statement (TTM) | |
|---|---|
| Revenue | ₹27.54b |
| Cost of Revenue | ₹2.98b |
| Gross Profit | ₹24.56b |
| Expenses | ₹12.75b |
| Earnings | ₹11.81b |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 106.33 |
| Gross Margin | 89.18% |
| Net Profit Margin | 42.89% |
| Debt/Equity Ratio | 322.5% |
How did SUNDARMFIN perform over the long term?
See historical performance and comparisonDividends
0.8%
Current Dividend Yield17%
Payout RatioValuation
Is Sundaram Finance undervalued compared to its fair value and its price relative to the market?
22.1x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SUNDARMFIN (₹2349.85) is trading above our estimate of fair value (₹439.11)
Significantly Below Fair Value: SUNDARMFIN is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SUNDARMFIN is good value based on its PE Ratio (22.1x) compared to the Indian Consumer Finance industry average (22.2x).
PE vs Market: SUNDARMFIN is poor value based on its PE Ratio (22.1x) compared to the Indian market (20.7x).
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 (3.4x) compared to the IN Consumer Finance industry average (0.9x).
Future Growth
How is Sundaram Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
28.6%
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.
Past Performance
How has Sundaram Finance performed over the past 5 years?
8.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SUNDARMFIN has high quality earnings.
Growing Profit Margin: SUNDARMFIN's current net profit margins (42.9%) are higher than last year (36.5%).
Past Earnings Growth Analysis
Earnings Trend: SUNDARMFIN's earnings have grown by 8.9% per year over the past 5 years.
Accelerating Growth: SUNDARMFIN's earnings growth over the past year (35.1%) exceeds its 5-year average (8.9% per year).
Earnings vs Industry: SUNDARMFIN earnings growth over the past year (35.1%) exceeded the Consumer Finance industry 5.7%.
Return on Equity
High ROE: SUNDARMFIN's Return on Equity (13.5%) is considered low.
Financial Health
How is Sundaram Finance's financial position?
Financial Position Analysis
Short Term Liabilities: SUNDARMFIN's short term assets (₹418.9B) exceed its short term liabilities (₹94.7B).
Long Term Liabilities: SUNDARMFIN's short term assets (₹418.9B) exceed its long term liabilities (₹276.7B).
Debt to Equity History and Analysis
Debt Level: SUNDARMFIN's debt to equity ratio (322.5%) is considered high.
Reducing Debt: SUNDARMFIN's debt to equity ratio has reduced from 354.6% to 322.5% over the past 5 years.
Debt Coverage: SUNDARMFIN's debt is not well covered by operating cash flow (1.5%).
Interest Coverage: Insufficient data to determine if SUNDARMFIN's interest payments on its debt are well covered by EBIT.
Balance Sheet
Dividend
What is Sundaram Finance current dividend yield, its reliability and sustainability?
0.77%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SUNDARMFIN's dividend (0.77%) is higher than the bottom 25% of dividend payers in the Indian market (0.34%).
High Dividend: SUNDARMFIN's dividend (0.77%) is low compared to the top 25% of dividend payers in the Indian market (1.45%).
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 (16.8%), SUNDARMFIN's dividend payments are well 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?
5.3yrs
Average management tenure
CEO
Rajiv Lochan (50 yo)
0.42
Tenure
₹24,224,000
Compensation
Mr. Rajiv Chellappa Lochan serves as the Managing Director at Sundaram Finance Ltd. since April 01, 2021 and serves as its Whole Time Director since June 3, 2020. He had been Managing Director, Chief Execu...
CEO Compensation Analysis
Compensation vs Market: Rajiv's total compensation ($USD328.19K) is below average for companies of similar size in the Indian market ($USD598.36K).
Compensation vs Earnings: Rajiv's compensation has increased by more than 20% in the past year.
Leadership Team
Experienced Management: SUNDARMFIN's management team is seasoned and experienced (5.3 years average tenure).
Board Members
Experienced Board: SUNDARMFIN's board of directors are considered experienced (7.5 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 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: ₹261.077b
- Shares outstanding: 111.10m
- Website: https://www.sundaramfinance.in
Number of Employees
Location
- Sundaram Finance Limited
- 21, Patullos Road
- Chennai
- Tamil Nadu
- 600002
- India
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/09/27 15:36 |
| End of Day Share Price | 2021/09/27 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2021/03/31 |
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.