Sundaram Finance Limited (SUNDARMFIN) - Net Assets
Based on the latest financial reports, Sundaram Finance Limited (SUNDARMFIN) has net assets worth Rs148.94 Billion INR (≈ $1.61 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs857.95 Billion ≈ $9.28 Billion USD) and total liabilities (Rs709.02 Billion ≈ $7.67 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check SUNDARMFIN strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs148.94 Billion |
| % of Total Assets | 17.36% |
| Annual Growth Rate | 15.16% |
| 5-Year Change | 34.31% |
| 10-Year Change | 170.95% |
| Growth Volatility | 10.75 |
Sundaram Finance Limited - Net Assets Trend (2005–2026)
This chart illustrates how Sundaram Finance Limited's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see Sundaram Finance Limited stock valuation.
Annual Net Assets for Sundaram Finance Limited (2005–2026)
The table below shows the annual net assets of Sundaram Finance Limited from 2005 to 2026. Also explore SUNDARMFIN net assets growth trend to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2026-03-31 | Rs148.94 Billion ≈ $1.61 Billion |
+12.86% |
| 2025-03-31 | Rs131.97 Billion ≈ $1.43 Billion |
+19.12% |
| 2024-03-31 | Rs110.78 Billion ≈ $1.20 Billion |
-12.35% |
| 2023-03-31 | Rs126.38 Billion ≈ $1.37 Billion |
+13.97% |
| 2022-03-31 | Rs110.89 Billion ≈ $1.20 Billion |
+17.34% |
| 2021-03-31 | Rs94.51 Billion ≈ $1.02 Billion |
+16.21% |
| 2020-03-31 | Rs81.32 Billion ≈ $879.48 Million |
+1.68% |
| 2019-03-31 | Rs79.98 Billion ≈ $864.98 Million |
+39.74% |
| 2018-03-31 | Rs57.23 Billion ≈ $618.97 Million |
+4.12% |
| 2017-03-31 | Rs54.97 Billion ≈ $594.47 Million |
+14.55% |
| 2016-03-31 | Rs47.99 Billion ≈ $518.97 Million |
+15.37% |
| 2015-03-31 | Rs41.59 Billion ≈ $449.81 Million |
+20.29% |
| 2014-03-31 | Rs34.58 Billion ≈ $373.94 Million |
+19.55% |
| 2013-03-31 | Rs28.92 Billion ≈ $312.79 Million |
+23.33% |
| 2012-03-31 | Rs23.45 Billion ≈ $253.61 Million |
+20.31% |
| 2011-03-31 | Rs19.49 Billion ≈ $210.81 Million |
+20.11% |
| 2010-03-31 | Rs16.23 Billion ≈ $175.51 Million |
+16.44% |
| 2009-03-31 | Rs13.94 Billion ≈ $150.73 Million |
+10.89% |
| 2008-03-31 | Rs12.57 Billion ≈ $135.92 Million |
+32.09% |
| 2007-03-31 | Rs9.51 Billion ≈ $102.90 Million |
+0.67% |
| 2006-03-31 | Rs9.45 Billion ≈ $102.21 Million |
+22.90% |
| 2005-03-31 | Rs7.69 Billion ≈ $83.17 Million |
-- |
Equity Component Analysis
This analysis shows how different components contribute to Sundaram Finance Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 10798.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2026)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs58.71 Billion | 39.42% |
| Common Stock | Rs1.10 Billion | 0.74% |
| Other Comprehensive Income | Rs89.12 Billion | 59.84% |
| Total Equity | Rs148.94 Billion | 100.00% |
Sundaram Finance Limited Competitors by Market Cap
The table below lists competitors of Sundaram Finance Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hoshine Silicon Ind Co Ltd
SHG:603260
|
$5.64 Billion |
|
Colgate Palmolive (India) Limited
NSE:COLPAL
|
$5.64 Billion |
|
Shanghai Baosight Software Co Ltd A
SHG:600845
|
$5.65 Billion |
|
Bezeq Israeli Telecommunication Corp Ltd
TA:BEZQ
|
$5.65 Billion |
|
AutoNation Inc
NYSE:AN
|
$5.63 Billion |
|
ChinaLin Securities Co Ltd
SHE:002945
|
$5.63 Billion |
|
Shenzhen New Industries Biomedical
SHE:300832
|
$5.63 Billion |
|
Birkenstock Holding plc
NYSE:BIRK
|
$5.62 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Sundaram Finance Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2025 to 2026, total equity changed from 131,968,300,000 to 148,936,500,000, a change of 16,968,200,000 (12.9%).
- Net income of 20,588,600,000 contributed positively to equity growth.
- Dividend payments of 4,078,100,000 reduced retained earnings.
- Other comprehensive income increased equity by 4,777,100,000.
- Other factors decreased equity by 4,319,400,000.
Equity Change Factors (2025 to 2026)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs20.59 Billion | +13.82% |
| Dividends Paid | Rs4.08 Billion | -2.74% |
| Other Comprehensive Income | Rs4.78 Billion | +3.21% |
| Other Changes | Rs-4.32 Billion | -2.9% |
| Total Change | Rs- | 12.86% |
Book Value vs Market Value Analysis
This analysis compares Sundaram Finance Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.50x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 75.03x to 3.50x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-03-31 | Rs63.05 | Rs4730.60 | x |
| 2006-03-31 | Rs77.13 | Rs4730.60 | x |
| 2007-03-31 | Rs84.48 | Rs4730.60 | x |
| 2008-03-31 | Rs102.93 | Rs4730.60 | x |
| 2009-03-31 | Rs114.13 | Rs4730.60 | x |
| 2010-03-31 | Rs132.52 | Rs4730.60 | x |
| 2011-03-31 | Rs162.61 | Rs4730.60 | x |
| 2012-03-31 | Rs194.83 | Rs4730.60 | x |
| 2013-03-31 | Rs235.30 | Rs4730.60 | x |
| 2014-03-31 | Rs277.24 | Rs4730.60 | x |
| 2015-03-31 | Rs337.50 | Rs4730.60 | x |
| 2016-03-31 | Rs377.54 | Rs4730.60 | x |
| 2017-03-31 | Rs433.47 | Rs4730.60 | x |
| 2018-03-31 | Rs445.16 | Rs4730.60 | x |
| 2019-03-31 | Rs568.31 | Rs4730.60 | x |
| 2020-03-31 | Rs606.09 | Rs4730.60 | x |
| 2021-03-31 | Rs701.60 | Rs4730.60 | x |
| 2022-03-31 | Rs798.15 | Rs4730.60 | x |
| 2023-03-31 | Rs899.28 | Rs4730.60 | x |
| 2024-03-31 | Rs1005.22 | Rs4730.60 | x |
| 2025-03-31 | Rs1197.40 | Rs4730.60 | x |
| 2026-03-31 | Rs1351.38 | Rs4730.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Sundaram Finance Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.82%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.97%
- • Asset Turnover: 0.11x
- • Equity Multiplier: 5.76x
- Recent ROE (13.82%) is below the historical average (16.33%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 12.73% | 12.66% | 0.12x | 8.49x | Rs191.53 Million |
| 2006 | 23.11% | 22.98% | 0.12x | 8.25x | Rs1.12 Billion |
| 2007 | 14.94% | 13.02% | 0.13x | 9.06x | Rs463.40 Million |
| 2008 | 22.05% | 17.63% | 0.15x | 8.49x | Rs1.38 Billion |
| 2009 | 13.24% | 9.64% | 0.17x | 8.24x | Rs410.81 Million |
| 2010 | 18.58% | 13.75% | 0.15x | 9.07x | Rs1.26 Billion |
| 2011 | 21.53% | 43.20% | 0.06x | 8.80x | Rs2.08 Billion |
| 2012 | 21.15% | 15.10% | 0.17x | 8.43x | Rs2.41 Billion |
| 2013 | 21.57% | 15.21% | 0.17x | 8.43x | Rs3.03 Billion |
| 2014 | 18.86% | 14.12% | 0.17x | 7.76x | Rs2.73 Billion |
| 2015 | 15.36% | 13.46% | 0.17x | 6.88x | Rs2.01 Billion |
| 2016 | 13.90% | 11.63% | 0.18x | 6.68x | Rs1.64 Billion |
| 2017 | 14.19% | 12.35% | 0.18x | 6.39x | Rs2.02 Billion |
| 2018 | 14.89% | 12.45% | 0.16x | 7.42x | Rs2.40 Billion |
| 2019 | 18.55% | 32.97% | 0.10x | 5.38x | Rs5.35 Billion |
| 2020 | 11.86% | 17.33% | 0.10x | 6.70x | Rs1.24 Billion |
| 2021 | 15.07% | 22.44% | 0.11x | 6.03x | Rs3.92 Billion |
| 2022 | 13.34% | 23.32% | 0.10x | 5.48x | Rs2.94 Billion |
| 2023 | 13.40% | 24.95% | 0.09x | 5.66x | Rs3.37 Billion |
| 2024 | 12.96% | 20.58% | 0.11x | 5.80x | Rs3.28 Billion |
| 2025 | 14.24% | 22.54% | 0.11x | 5.71x | Rs5.60 Billion |
| 2026 | 13.82% | 20.97% | 0.11x | 5.76x | Rs5.69 Billion |
Industry Comparison
This section compares Sundaram Finance Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $21,722,941,149
- Average return on equity (ROE) among peers: 12.71%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Sundaram Finance Limited (SUNDARMFIN) | Rs148.94 Billion | 12.73% | 4.76x | $5.64 Billion |
| Akme Fintrade India Ltd (AFIL) | $2.05 Billion | 7.72% | 0.91x | $39.74 Million |
| Arman Financial Services Limited (ARMANFIN) | $196.82 Million | 15.55% | 2.31x | $222.99 Million |
| Baid Finserv Limited (BAIDFIN) | $108.03 Million | 5.96% | 2.17x | $18.24 Million |
| Bajaj Finance Limited (BAJFINANCE) | $96.00 Billion | 19.13% | 5.64x | $69.99 Billion |
| Capri Global Capital Limited (CGCL) | $13.83 Billion | 9.81% | 2.09x | $2.82 Billion |
| Cholamandalam Investment and Finance Company Limited (CHOLAFIN) | $31.74 Billion | 13.99% | 6.52x | $16.42 Billion |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $7.27 Billion | 23.60% | 2.56x | $3.06 Billion |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $65.70 Billion | 22.01% | 3.39x | $2.40 Billion |
| CSL Finance Limited (CSLFINANCE) | $773.42 Million | 9.31% | 0.08x | $53.07 Million |
| DCM Financial Services Limited (DCMFINSERV) | $-434.17 Million | 0.00% | 0.00x | $1.24 Million |
About Sundaram Finance Limited
Sundaram Finance Limited, together with its subsidiaries, operates as a non-banking finance company in India. The company accepts fixed, cumulative, and NRI deposits. The company also offers finance for new and used cars, new and used commercial vehicles, and new and used construction equipment; diesel finance for commercial vehicle operators and companies; tire and insurance finance; farm equipm… Read more