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South India-focused non-bank lender specializing in commercial vehicle and auto loans, part of the TVS/Sundaram Group.
South India-focused non-bank lender specializing in commercial vehicle and auto loans, part of the TVS/Sundaram Group.
Lends against vehicles and earns the spread between what it charges borrowers and what it pays for money raised from bonds, deposits and banks. The business runs through branches in South India and relationships with truck-fleet operators, many of them small owners. A home-loan subsidiary extends it beyond vehicle finance.
In one line: India's smaller regional auto/commercial-vehicle lender.
Moat: narrow (brand, distribution, process know-how). Long-standing regional relationships and vehicle-financing expertise built over decades in South India.
Headquarters: Chennai, India · Founded: 1954 · Employees: 7,278
Size Sundaram Finance (SUNDARMFIN.NS) is an India Financials company (Finance/Rental/Leasing) with a market value of $4.95B, the 210th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹4,215 on 6 Nov 2026.
Performance Over six months the shares fell 11.1%, against -1.0% for the median peer and 0.0% for the India market (cap-weighted) — 8th lowest of 21 in its peer set.
Growth Revenue grew 13.6% over the last twelve months (peer median +7.0%); the operating margin is 34.3% (peer median 33.3%).
Valuation It trades at 2.89× book value against a peer median of 1.90× (6th most expensive of 20).
Price implies The share price implies a return on equity of about 35.3%; Sundaram Finance delivers 14.4%, so the price asks more than the business earns today.
Next results Next results expected around 8 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹105B | ₹97.7B | ₹84.6B | ₹71.6B | ₹54.4B |
| Revenue growth | — | +16% | +18% | +32% | — |
| Gross profit | ₹51.0B | ₹87.2B | ₹75.0B | ₹63.3B | ₹47.8B |
| EBITDA | ₹38.5B | ₹76.4B | ₹65.0B | ₹54.2B | ₹40.4B |
| Net income | ₹22.5B | ₹20.6B | ₹18.8B | ₹14.4B | ₹13.3B |
| Free cash flow | n/a | ₹33.6B | ₹27.4B | ₹21.7B | ₹14.3B |
| Capital expenditure | n/a | ₹624M | ₹574M | ₹834M | ₹254M |
| Total debt | ₹665B | ₹609B | ₹525B | ₹445B | ₹360B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Sundaram Finance SUNDARMFIN.NS | $4.95B | -11% | +14% | 14% | 2.89× | 35.3% |
| Cholamandalam Investment and Finance CHOLAFIN.NS | $16.2B | +6% | +21% | 21% | 4.43× | 67.7% |
| Mahindra & Mahindra Financial Services M&MFIN.NS | $4.12B | -15% | +15% | 14% | 1.41× | 23.7% |
| Shriram Finance SHRIRAMFIN.NS | $23.9B | -5% | +10% | 15% | 2.03× | 27.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | SUNDARMFIN.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -2.0% | +0.3% | 10th lowest of 21 |
| 6-month return | -11.1% | -1.0% | 8th lowest of 21 |
| Return on equity | 14.4% | 14.3% | 10th highest of 20 |
| Price / book | 2.89× | 1.90× | 6th most expensive of 20 |
| Trailing P/E | 20.7× | 12.7× | 6th most expensive of 20 |
| ROE the price implies | 35.3% | 18.5% | 4th most demanding of 20 |
| ROE delivered | 14.4% | 14.3% | 10th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Sundaram Finance SUNDARMFIN.NS | India | $4.95B | -11% | +14% | 14% | 2.89× | 35.3% | 14.4% |
| Herc HRI | United States | $5.08B | +14% | +19% | 6% | 2.56× | 33.3% | 6.3% |
| Figure Technology Solutions FIGR | United States | $5.10B | -40% | +66% | 26% | 3.58× | 26.5% | 26.2% |
| HDB Financial Services HDBFS.NS | India | $4.71B | -24% | +11% | 14% | 2.01× | 30.2% | 14.3% |
| Nelnet NNI | United States | $4.67B | +7% | -7% | 8% | 1.24× | 10.1% | 8.1% |
| Credit Acceptance CACC | United States | $5.37B | -1% | +2% | 23% | 3.86× | 38.2% | 22.7% |
| Bohai Leasing 000415.SZ | China | $4.44B | +2% | -7% | 18% | 0.90× | 6.3% | 17.8% |
| Poonawalla Fincorp POONAWALLA.NS | India | $4.42B | +4% | +77% | 9% | 3.02× | 47.4% | 9.2% |
| ACOM 8572.T | Japan | $4.38B | -12% | +7% | 9% | 0.96× | 5.6% | 9.3% |
| Element Fleet Management EFN.TO | Canada | $5.61B | -31% | +5% | 11% | 2.06× | 9.2% | 10.6% |
| Blue Owl Technology Finance OTF | United States | $4.36B | -13% | +95% | 5% | 0.58× | 4.9% | 4.8% |
| Chailease 5871.TW | Taiwan | $5.74B | -10% | -4% | 12% | 0.97× | 3.8% | 11.5% |
| Enova International ENVA | United States | $4.22B | -1% | +20% | 27% | 2.72× | 26.6% | 26.8% |
| Avis Budget CAR | United States | $4.20B | -18% | -1% | n/a | n/a | n/a | n/a |
| SBI Cards & Payment Services SBICARD.NS | India | $5.89B | -10% | +6% | 16% | 3.24× | 40.7% | 16.3% |
| Mahindra & Mahindra Financial Services M&MFIN.NS | India | $4.12B | -15% | +15% | 14% | 1.41× | 23.7% | 13.8% |
| GMO Payment Gateway 3769.T | Japan | $3.98B | +6% | +13% | 22% | 5.02× | 32.4% | 21.5% |
| Bread Financial BFH | United States | $3.87B | +17% | +2% | 16% | 1.13× | 12.2% | 15.9% |
| OneMain OMF | United States | $6.42B | 0% | +6% | 23% | 1.90× | 18.5% | 22.7% |
| Jiangsu Financial Leasing 600901.SS | China | $6.66B | +12% | +14% | 13% | 1.67× | 5.9% | 13.5% |
| Sixt SIX2.DE | Germany | $3.67B | +4% | +7% | 15% | 1.67× | 15.8% | 15.0% |