SUNDARMFIN
OVERVALUEDSundaram Finance
Finance · NSE
↓ 185.3% vs fair value
52W Low
₹4,200
+7.8% from low
52W High
₹5,642
-19.7% from high
Valuation Gauge
Current Price
₹4,528
Fair Value
₹1,587
Fair Value Analysis
₹1,587
Based on balance sheet strength analysis and book value multiple for Finance sector companies | CAUTION: ROCE declining (latest 3.5%) — returns on capital are falling; verify this isn't a value trap.
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 13.6% is acceptable for Finance sector (benchmark: 18%)
Debt & Leverage
D/E ratio of 3.8x is well within the Finance sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 24.8x trades at a 62% discount to Finance sector median (65x) — attractively valued
Cash Flow
Negative cash flow of ₹-9,043 Cr — concerning for Finance sector
Earnings Growth
5yr EPS CAGR of 17.0% is below the Finance sector average of 23.9%
Dividend
Dividend yield of 0.8% provides moderate shareholder returns
Sentiment Trend — Last 30 Days
Historical Returns
Key Financials
EPS (TTM)
₹185.2
P/E Ratio
24.8x
P/B Ratio
3.4x
ROE
13.6%
ROCE
—
Debt / Equity
3.77x
Beta
0.27
Div Yield
0.8%
FCF (Cr)
₹-9,043 Cr
Revenue (Cr)
₹4,214 Cr
EPS Growth 5Y
17%
Mkt Cap (Cr)
₹50,787 Cr
52W High
₹5,642
52W Low
₹4,200
Book Value/Share
₹1,362.7
Financial History
Annual P&L data not available yet.
Peer Comparison
Finance| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
SIL Investments Limited | ₹436.9 | ₹1,876.1 | +76.7% | 10.8 | 1.3% | FAIRLY_VALUED |
N. B. I. Industrial Finance Company Limited | ₹1,900 | ₹8,108.1 | +76.6% | 37.6 | 0.5% | FAIRLY_VALUED |
BF Investment Limited | ₹390 | ₹1,536.3 | +74.6% | 9.3 | 1.2% | FAIRLY_VALUED |
Nalwa Sons Investments Limited | ₹5,576.5 | ₹21,591.5 | +74.2% | 126.6 | 0.1% | FAIRLY_VALUED |
CP Capital Limited | ₹93.7 | ₹335.3 | +72.0% | 4.2 | 6.3% | FAIRLY_VALUED |
VLS Finance Limited | ₹231.3 | ₹820.3 | +71.8% | 14.2 | 5.8% | FAIRLY_VALUED |
Sammaan Capital Limited | ₹162 | ₹567.9 | +71.5% | 7.8 | 5.7% | FAIRLY_VALUED |
Kalyani Investment Company Limited | ₹4,935 | ₹14,921.9 | +66.9% | 48.8 | 0.5% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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