Sundaram Finance Limited

BSE

SUNDARMFIN

Stock

Yield per half year: +9.22%
Dividend yield: 0.8456%
Sector: Financials

Reporting Sundaram Finance Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹							180.35						287.79	180.35	0.00
Выручка, млрд ₹				31.24	38.42	42.58	17.54	21.38	25.32	27.7	29.99	36.28	36.28	28.13	11.16
Чистая прибыль, млрд ₹				5.83	6.83	7.12	11.61	7.92	11.65	11.73	13.18	14.36	14.36	11.77	12.64
EV, млрд ₹							383.42	433.99	578.56	510.62	601.14	878.39	878.39	600.54	15.14
Баланс стоимость, млрд ₹				41.95	48.16	49.02	62.59	66.77	77.3	87.95	99.1	110.78	110.78	88.38	10.66
FCF, млрд ₹						-30.28	-42.37	-0.4139	4.35	15.86	-65.3	-85.69	-85.69	-26.2388	190.54
Операционный денежный поток, млрд ₹				3.1	-9.65	-55.47	-42	0.0878	4.5	17.81	-65.04	-84.86	-84.86	-25.5004	-495.40
Операционная прибыль, млрд ₹	8.23	8.88	8.87	8.87	10.16	10.05	9.4							9.47	1.17
Операционные расходы, млрд ₹	13.67	14.99	15.2	22.37	28.16	30.14	7.33							20.64	-13.57
CAPEX, млрд ₹				0.4943	0.4974	0.3411	0.2913	0.4698	0.1128	0.2806	0.2535	0.8335	0.8335	0.3900	12.15

	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₹							189.43																189.43	0.00
Выручка, млрд ₹													7.15	7.56	8.4	8.1	8.54	8.83	10.81	9.41	10.1	10.86	10.00	4.23
Чистая прибыль, млрд ₹													3.06	3.33	4.33	3.75	3.65	4.27	2.68	4.35	4.36	4.55	4.04	1.28
EV, млрд ₹											551.87	510.62	556.17		601.14		742.15		878.39		1 044.46		764.46	13.43
Баланс стоимость, млрд ₹								66.77	72.02	77.3	82.97	87.95	92.4		99.1		105.74		110.78		125.1		106.62	6.25
Операционная прибыль, млрд ₹	2.43	2.62	2.93		2.02	2.3	2.84																2.54	1.63
Операционные расходы, млрд ₹	12	14.49	14.55	-28.63	1.98	2.01	2.19																-1.5800	-31.53

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹				9.6	10.32	13.64	9.2	1.53	2.36	7.24	11.45	6.44	6.44	5.80	33.30
Long term investments ₹		24.03	26.79	39.76	47.7	54.48	46.14	51.77	60.56	81.33	81.11			64.18	11.94
Total Receivables ₹			120.09	122.68	134.71	230.07	274.77	375.42	384.61	378.85	451.37		451.37	373.00	10.44
Total Current Assets ₹			141.89	143.36	156.1	244.68	286.78	406.4	418.57	420.43	491.62		491.62	404.76	11.38
Чистые активы, млрд ₹		3.75	3.4	3.26	3.33	2.69	2.44	3.57	3.31	3.59				3.12	5.94
Активы, млрд ₹				280.48	307.56	363.96	336.71	447.21	465.93	481.54	560.66	642.76	642.76	519.62	7.52
Short Term Debt ₹	147.89	155.14	28.44	53.88	33.1	43.25								62.76	-22.54
Long Term Debt ₹	71.75	77.45	112.14	87.34	105.92	145.83	190.94							128.43	11.23
Задолженность, млрд ₹				232.49	252.59	306.73	256.73	365.89	371.42	370.65	434.27	531.98	531.98	414.84	7.77
Чистый долг, млрд ₹						198.04	210.29	303.79	302.23	294.16	347.35	437.08	437.08	336.92	7.55
Долг, млрд ₹	219.65	232.6	140.58	141.22	139.02	189.08							358.81	168.50	-4.06
Interest income ₹					34.08	36.98	29.44	39.45	45.23	43.16	45.46			40.55	9.08
Расходы на обслуживание долга ₹							17.66	23.89	26.25	22.48	24.06	34.18	34.18	26.17	7.43
Чист. проц. доходы, млрд ₹					16.79	18.76	11.78	15.56	18.98	20.68	21.4	58.52	45.46	27.03	30.33
Goodwill ₹		1.5	1.5	4.6	4.6	4.43	1.38	4.74	4.74	4.76	4.74			4.07	27.99
Себестоимость, млрд ₹	6.84	7.24	8.66	14.45	19.38	32.44	4.57							15.90	-12.00
Товарно материальные запасы ₹									0.044	0.0182	0.1035		0.1035	0.0552	32.99

	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹								1.53	7.79	2.36	7.27		7.24		5.12		11.45		10.94		6.44		13.11		9.41	20.69
Long term investments ₹				46.15		55.72		51.77	66.63	60.56	66.73		81.33		64.72		81.11		94.13						77.60	7.12
Total Receivables ₹						374.25		375.42							413.13		451.37								403.54	4.80
Total Current Assets ₹						387.63		386.21							418.54		491.62								421.00	6.12
Чистые активы, млрд ₹						3.53		3.57							4.3										3.80	6.80
Активы, млрд ₹									467.69	465.93	460.38		481.54	-4 701.39	498.27		560.66		632.97		642.76		696.59		606.25	6.93
Long Term Debt ₹						315.92																			315.92	0.00
Задолженность, млрд ₹									381.83	371.42	355.82		370.65	-4 701.39	380.58		434.27		496.83		531.98		571.49		483.03	8.47
Чистый долг, млрд ₹									309.94	302.23	279.35		294.16		305.25		347.35		403.57		437.08		465.18		391.69	8.79
Interest income ₹											10.91	10.85	10.53	10.48	11.02	11.78	12.18	13.08	14.28	15.34					13.33	5.42
Расходы на обслуживание долга ₹															5.78	6.22	6.66	7.38	8.21	9.1	9.48	9.85	10.5	10.87	9.96	3.62
Чист. проц. доходы, млрд ₹												5.34	4.95	5.07	5.24	5.57	5.52	5.69	6.08	6.25	15.82				7.87	23.44
Goodwill ₹				1.38		4.74		4.74	4.74	4.74	4.74		4.76		4.76		4.74		4.74						4.75	0.00
Себестоимость, млрд ₹	10.18	12.44	12.76		0.9699	0.9404	0.8228																		5.59	-41.91
Товарно материальные запасы ₹																	0.1035								0.1035	0.00

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	12.53	50.46	104.48	71.86	105.75	105.61	118.61	130.3		130.3	106.43	12.64
Цена акции ао	1684.67	1425.15	1636.4	1800.7	2299.55	2309	3509.85	4143.15	5020.6	5020.6	3456.43	16.90
Число акций ао, млн			116.7	111.1	111.1	111.1	111.1	110.21		110.21	110.92	-0.16
FCF/акцию			-363.04	-3.73	39.14	142.72	-587.71	-777.56		-777.56	-237.4280	190.94

	2019Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS		30.86	22.29	27.78	30.21	38.99	34.05	33.16	38.79	24.31	39.58			33.98	3.06
Цена акции ао		2108.76	1879.25	2061.53	2295.68	2296.55	2456.49	2673.42	3306.46			4832.75	5020.6	3657.94	15.37
Число акций ао, млн	116.7													116.70	0.00

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			13.9	14.19	14.51	18.55	11.86	15.07	14.2	14.09	13.68		13.68	13.90	13.78	2.90
ROA, %			2.08	2.22	1.95	3.45	1.77	2.5	2.48	2.53	2.39		2.39	2.81	2.33	6.19
ROIC, %	2.5	4.44	4.47	4.19	3.35									5.22	3.79	6.03
ROS, %				17.79	16.71	66.17	37.02	46.01	42.36	43.94	39.59	39.59	39.59	59.46	42.30	-2.96
ROCE, %												0	0	2.58
Ebit margin, %												0	0
Рентаб EBITDA, %												0	0	10.96
Чистая рентаб, %			18.67	17.79	16.71	66.17	37.02	46.01	42.36	43.94	39.59		39.59	59.46	41.78	1.35
Operation Margin, %	37.21	36.86	28.4	26.44	23.6	53.58				0	0	0	0	14.46	33.78	7.77
Доходность FCF, %						-23.49									-23.4900	0.00

	2018Q2	2018Q3	2018Q4	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %							2.42	3.93	3.5	3.12	3.87		3.31		9.05		7.14		3.81		4.69			13.90	5.60	7.22
ROA, %								0.6052	0.5806	0.5627	0.706	-0.0523	0.6144		1.55		1.15		0.42		0.6513			2.81	0.8771	1.17
ROS, %														44.03	51.55	46.31	42.78	48.4	24.79	46.19	43.19	41.94	39.59	59.46	39.14	9.82
Чистая рентаб, %													42.79	44.03	51.55	46.31	42.78	48.4	24.79	46.19	43.19	41.94		59.46	40.90	-2.82
Operation Margin, %	16.85	15.32	16.77	43.51	47.16	47.67																		14.46	34.09	25.49

Coefficients

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E							15.54	16.45	23.72	18.45	19.26	30.73		30.73	29.44	21.72	13.31
P/BV							2.88	1.6	2.92	1.95	2.01	3.98		3.98	3.11	2.49	19.99
P/S							10.28	6.09	10.91	7.81	8.46	12.17		12.17	12.17	9.09	14.85
P/FCF							-4.26				-4.41	-3.36	-3.36	-3.36	5.03	-3.8475	-5.76
E/P							0.0644				0.0458	0.0499	0.0499	0.0499	0.10	0.0525	-6.18
EV/EBIT												0	0	0
EV/S								20.3	22.85	18.43	20.04	24.21	24.21	24.21	8.39	21.95	1.16
EV/FCF								-1048.59	133.06	32.2	-9.21	-10.25	-10.25	-10.25	-4.06	27.11	-159.89
Debt/EBITDA											0	0	0	0	1.02
Netdebt/Ebitda											0	0	0	0	0.86
Debt/Ratio	0.9963	0.9726	0.5452	0.5035	0.452	0.5195					0.64	0.5582	0.5582	0.5582	0.24	0.5456	4.31
Debt/Equity		7.55	3.75	3.37	2.89	3.86					0	0	4.8	4.8	7.38	3.73	5.06
Debt/Net Income	38.94	40.03	24.41	24.22	20.34	26.57					27.22	24.99	24.99	24.99	12.45	24.82	4.20
PEG													1.45	1.45		1.45	0.00
Бета											2.97	0.7961	1.15	1.15	1.15	1.64	-27.11
Индекс Альтмана											0.7024	0.625	0.625	0.625	1.07	0.6508	-3.82

	2019Q4	2021Q3	2022Q1	2022Q2	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	74.9	51.46	24.89	17.71	28.14	25.77	42.58	41.51	54.17			29.44	38.43	14.00
P/BV	2.99	2.61	1.95		2.13	2.01	2.49	3.98	4.63			3.11	3.05	16.80
P/S	31.76	19.55	10.46	7.16	12.07	11.31	20.06	15.94	19.67			12.17	15.81	10.26
P/FCF											-3.36	5.03	-3.3600	0.00
E/P	0.0134										0.0499	0.10	0.0316	92.97
EV/S							86.89	81.26	103.43		24.21	8.39	73.95	-27.35
EV/FCF											-10.25	-4.06	-10.2500	0.00
Debt/Ratio											0.5582	0.24	0.5582	0.00
Debt/Equity											4.8	7.38	4.80	0.00
Debt/Net Income											24.99	12.45	24.99	0.00
PEG											1.45		1.45	0.00
Бета										-0.8554	1.15	1.15	0.1473	-215.95
Индекс Альтмана										0.625	0.625	1.07	0.6250	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	2.15	2.35	1.01	0.8638	2.66	2.98	1.71	2.97	3.19			3.19		2.70	3.70
Дивиденд		9.98	10.43	12	12.5	4	24	22	29	30		30		21.80	49.63
Див доход, ао, %		0.8187	0.7154	0.7513	0.8088	0.2789	0.995	1.39	0.766	0.6472		0.8456	1.58	0.8154	18.34
Дивиденды / прибыль, %		40.34	14.79	12.14	22.88	37.71	14.69	17.18	22.55	22.21		22.21	17.85	22.87	-10.05
Dividend Coverage Ratio											4.5	4.5		4.50	0.00

	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2025Q2	Industry average	5 quarters average	CAGR 5
Дивиденд	5	7.5	1	3	12	12	1	1	12	15			8.20	4.56
Див доход, ао, %	0.3372	0.482	0.6526	0.2231	0.5452	0.4689	0.4742	0.4851	0.5225	0.5611		1.58	0.5024	3.66
Dividend Coverage Ratio											4.5		4.50	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	2.2	0.4455	1.01	0.8452	2.3	2.3	0.89
Персонал, чел				4 737	4 737		0.00

	CAGR 5

	CAGR 5