Sundaram Finance (SUNDARMFIN) | Financial Analysis & Statements
Sundaram Finance Ltd. Large-cap Financial Services
TL;DR: Financial Overview - Revenue, Profits & Key Metrics
Latest Quarterly: Jun 2025Income Metrics
Revenue
11.5B
Net Income
4.8B
41.16%
EPS (Diluted)
₹43.12
Balance Sheet Metrics
Total Assets
753.4B
Total Liabilities
621.4B
Shareholders Equity
132.0B
Debt to Equity
4.71
Cash Flow Metrics
Revenue & Profitability Trend
Quarter Income Flow
Jun 30, 2025
Annual Income Flow
2025
Sundaram Finance Income Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 42.1B | 36.3B | 29.5B | 27.8B | 25.3B |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Gross Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Expenses | |||||
| Research & Development | - | - | - | - | - |
| Selling, General & Administrative | 3.5B | 3.8B | 3.1B | 2.7B | 2.0B |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 |
| Total Operating Expenses | 3.5B | 3.8B | 3.1B | 2.7B | 2.0B |
| Operating Income | - | - | - | - | - |
| Operating Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Non-Operating Items | |||||
| Interest Income | - | - | - | - | - |
| Interest Expense | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - |
| Pre-tax Income | 24.5B | 19.6B | 17.1B | 14.2B | 13.3B |
| Income Tax | 6.3B | 5.4B | 4.3B | 3.5B | 3.3B |
| Effective Tax Rate % | 25.9% | 27.5% | 25.1% | 24.7% | 24.6% |
| Net Income | 18.8B | 18.4B | 15.1B | 13.0B | 12.2B |
| Net Margin % | 44.6% | 50.8% | 51.1% | 46.6% | 48.3% |
| Key Metrics | |||||
| EBITDA | - | - | - | - | - |
| EPS (Basic) | ₹170.53 | ₹130.31 | ₹120.49 | ₹106.48 | ₹105.74 |
| EPS (Diluted) | ₹170.53 | ₹130.31 | ₹120.49 | ₹106.48 | ₹105.74 |
| Basic Shares Outstanding | 110213031 | 110206613 | 110197353 | 110189715 | 110180940 |
| Diluted Shares Outstanding | 110213031 | 110206613 | 110197353 | 110189715 | 110180940 |
Income Statement Trend
Join Our India Telegram Channel
Get Instant Market Updates: 52-Week High/Low Alerts, Breakout Notifications & Expert Stock Analysis Delivered To Your Phone. Join Traders Making Informed Decisions Daily!
Sundaram Finance Balance Sheet From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | |||||
| Cash & Equivalents | 11.5B | 6.4B | 4.4B | 7.2B | 8.0B |
| Short-term Investments | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Other Current Assets | - | - | - | - | - |
| Total Current Assets | - | - | - | - | - |
| Non-Current Assets | |||||
| Property, Plant & Equipment | 7.0B | 5.6B | 4.0B | 2.7B | 2.3B |
| Goodwill | 11.3B | 11.5B | 11.7B | 11.9B | 9.6B |
| Intangible Assets | 1.8B | 2.0B | 2.2B | 2.4B | 97.1M |
| Long-term Investments | - | - | - | - | - |
| Other Non-Current Assets | - | - | - | - | - |
| Total Non-Current Assets | - | - | - | - | - |
| Total Assets | 753.4B | 642.8B | - | - | - |
| Liabilities | |||||
| Current Liabilities | |||||
| Accounts Payable | 2.2B | 1.7B | 1.3B | 1.3B | 697.9M |
| Short-term Debt | - | - | - | - | - |
| Current Portion of Long-term Debt | - | - | - | - | - |
| Other Current Liabilities | - | - | - | - | - |
| Total Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | |||||
| Long-term Debt | 525.4B | 444.6B | 359.9B | 302.1B | 305.3B |
| Deferred Tax Liabilities | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - |
| Total Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 621.4B | 532.0B | - | - | - |
| Equity | |||||
| Common Stock | 1.1B | 1.1B | 1.1B | 1.1B | 1.1B |
| Retained Earnings | 46.5B | 34.7B | 30.6B | 21.1B | 12.9B |
| Treasury Stock | - | - | - | - | - |
| Other Equity | - | - | - | - | - |
| Total Shareholders Equity | 132.0B | 110.8B | 126.5B | 110.9B | 94.5B |
| Key Metrics | |||||
| Total Debt | 525.4B | 444.6B | 359.9B | 302.1B | 305.3B |
| Working Capital | 0 | 0 | 0 | 0 | 0 |
Balance Sheet Composition
Sundaram Finance Cash Flow Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 24.5B | 19.6B | 17.1B | 14.2B | 13.3B |
| Depreciation & Amortization | - | - | - | - | - |
| Stock-Based Compensation | 65.4M | 55.7M | 33.0M | 25.0M | 15.2M |
| Working Capital Changes | -4.2B | -2.8B | -4.2B | -1.9B | -1.2B |
| Operating Cash Flow | 60.0B | 49.1B | 35.9B | 33.9B | 38.7B |
| Investing Activities | |||||
| Capital Expenditures | -24.5M | -708.4M | -15.8M | -151.0M | 65.3M |
| Acquisitions | 0 | -324.2M | 0 | -2.3B | 200.0K |
| Investment Purchases | -315.6B | -340.7B | -176.2B | -155.0B | -200.1B |
| Investment Sales | 322.3B | 340.9B | 181.3B | 140.6B | 197.5B |
| Investing Cash Flow | 6.7B | -821.3M | 5.1B | -16.8B | -2.5B |
| Financing Activities | |||||
| Share Repurchases | - | - | - | - | - |
| Dividends Paid | -3.3B | -3.2B | -3.0B | -2.0B | -1.7B |
| Debt Issuance | 411.9B | 401.1B | 232.2B | 148.7B | 214.7B |
| Debt Repayment | -329.9B | -309.9B | -170.0B | -150.3B | -213.9B |
| Financing Cash Flow | 78.7B | 88.0B | 59.2B | -1.7B | -918.8M |
| Free Cash Flow | -90.4B | -85.7B | -65.3B | 15.0B | 4.3B |
| Net Change in Cash | 145.4B | 136.3B | 100.2B | 15.4B | 35.3B |
Cash Flow Trend
Sundaram Finance Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
26.28
Forward P/E
25.84
Price to Book
3.57
Price to Sales
12.29
PEG Ratio
1.09
Profitability Ratios
Profit Margin
46.79%
Operating Margin
61.69%
Return on Equity
14.24%
Return on Assets
2.49%
Financial Health
Debt to Equity
377.04
Beta
0.27
Per Share Data
EPS (TTM)
₹186.56
Book Value per Share
₹1,372.76
Revenue per Share
₹399.02
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| SUNDARMFIN | 524.1B | 26.28 | 3.57 | 14.24% | 46.79% | 377.04 |
| Bajaj Finance | 5.7T | 31.69 | 5.53 | 16.82% | 43.68% | 310.29 |
| Shriram Finance | 2.4T | 20.78 | 3.13 | 16.92% | 45.95% | 279.08 |
| Power Finance | 1.6T | 6.14 | 1.22 | 14.82% | 50.51% | 603.34 |
| Muthoot Finance | 1.4T | 16.50 | 4.04 | 26.69% | 51.14% | 384.60 |
| Indian Railway | 1.4T | 19.72 | 2.44 | 12.90% | 97.32% | 744.59 |
Financial data is updated regularly. All figures are in the company's reporting currency.




