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Sundaram Finance Ltd
NSE:SUNDARMFIN

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Sundaram Finance Ltd
NSE:SUNDARMFIN
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Price: 4 192.55 INR 2.17% Market Closed
Market Cap: 465.8B INR
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Intrinsic Value

The intrinsic value of one SUNDARMFIN stock under the Base Case scenario is 3 640.84 INR. Compared to the current market price of 4 192.55 INR, Sundaram Finance Ltd is Overvalued by 13%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

SUNDARMFIN Intrinsic Value
3 640.84 INR
Overvaluation 13%
Intrinsic Value
Price
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Sundaram Finance Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Sundaram Finance Ltd

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Business Breakdown

Sundaram Finance Ltd., established in 1954, is a renowned financial services company based in India that has built a solid reputation for its unwavering commitment to customer satisfaction and sustainable growth. Originally part of the larger TVS Group, the company has successfully carved out its own niche in the financial landscape by providing a diverse range of services, including vehicle financing, commercial vehicle loans, and equipment financing. With a keen focus on the mid-market sector, Sundaram Finance has become a go-to source for individuals and small to medium-sized enterprises (SMEs) looking to secure funding. Its strong legacy of operational integrity and prudent risk manageme...

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Sundaram Finance Ltd

Current Assets 19.5B
Cash & Short-Term Investments 15B
Receivables 4.5B
Non-Current Assets 623.3B
Long-Term Investments 58.7B
PP&E 6.4B
Intangibles 6.8B
Other Non-Current Assets 551.4B
Current Liabilities 81.7B
Accounts Payable 1.7B
Other Current Liabilities 80B
Non-Current Liabilities 450.3B
Long-Term Debt 443.5B
Other Non-Current Liabilities 6.8B
Efficiency

Earnings Waterfall
Sundaram Finance Ltd

Revenue
74.5B INR
Cost of Revenue
-37.6B INR
Gross Profit
36.9B INR
Operating Expenses
-14.6B INR
Operating Income
22.3B INR
Other Expenses
-7.4B INR
Net Income
15B INR

Free Cash Flow Analysis
Sundaram Finance Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

SUNDARMFIN Profitability Score
Profitability Due Diligence

Sundaram Finance Ltd's profitability score is 50/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive Operating Income
Positive Net Income
Positive 3-Years Revenue Growth
50/100
Profitability
Score

Sundaram Finance Ltd's profitability score is 50/100. The higher the profitability score, the more profitable the company is.

SUNDARMFIN Solvency Score
Solvency Due Diligence

Sundaram Finance Ltd's solvency score is 13/100. The higher the solvency score, the more solvent the company is.

Long-Term Solvency
Short-Term Solvency
Low Altman Z-Score
Positive Net Debt
13/100
Solvency
Score

Sundaram Finance Ltd's solvency score is 13/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

SUNDARMFIN Price Targets Summary
Sundaram Finance Ltd

Wall Street analysts forecast SUNDARMFIN stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for SUNDARMFIN is 4 622.95 INR with a low forecast of 3 949.1 INR and a high forecast of 5 702.55 INR.

Lowest
Price Target
3 949.1 INR
6% Downside
Average
Price Target
4 622.95 INR
10% Upside
Highest
Price Target
5 702.55 INR
36% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Safe
0
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100
Shareholder Yield

Current shareholder yield for SUNDARMFIN is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Ownership

SUNDARMFIN Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

Profile

Sundaram Finance Ltd

Country

India

Industry

Financial Services

Market Cap

462B INR

Dividend Yield

0.72%

Description

Sundaram Finance Ltd. engages in the provision of financial services for the purchase of commercial vehicles and passenger cars. The company is headquartered in Chennai, Tamil Nadu. The firm is primarily engaged in the business of financing commercial vehicles, cars, construction equipment and other vehicles in the retail segment. The firm's segments include Asset Financing and Others. The company provides financing for commercial vehicles, cars and utility vehicles, tractors and farm equipment, small and medium size enterprises (SMEs) finance and a range of working capital products for financing diesel, tires, insurance as well as working capital for SMEs. The firm through its subsidiaries, offers home finance, loans against property, mutual funds and investment management solutions and a range of general insurance products and services. The firm has a presence of over 600 branches. Its subsidiaries include Sundaram Finance Holdings Limited, Sundaram Home Finance Limited, Sundaram Asset Management Company Limited and Sundaram Trustee Company Limited, among others.

Contact

TAMIL NADU
Chennai
21, Patullos Road
+914428521181
www.sundaramfinance.in

IPO

1994-11-14

Employees

4 036

Officers

MD & Whole Time Director
Mr. Rajiv Chellappa Lochan
Executive Vice Chairman
Mr. Harsha Viji
Chief Financial Officer
Mr. M. Ramaswamy
Chief Technology & Digital Officer
Mr. Sudheer Sankaran Warrier B.E
Deputy MD & Director
Mr. Ayalur Natarajan Raju
Senior VP & Head of Tamil Nadu
Mr. Moahan Ananda Venkatesan
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Senior Vice President of Corporate Finance
Mr. K. SankaraKumar
Senior VP and Head of Western Region & Analytics
Mr. Rajesh Venkat
Executive Director
N. Ramachandran
National Head of Vruddhi & Director
Mr. R. Venkatraman
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What is the Intrinsic Value of one SUNDARMFIN stock?

The intrinsic value of one SUNDARMFIN stock under the Base Case scenario is 3 640.84 INR.

Is SUNDARMFIN stock undervalued or overvalued?

Compared to the current market price of 4 192.55 INR, Sundaram Finance Ltd is Overvalued by 13%.

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