Sundaram Finance Intrinsic Value
Sundaram Finance (SUNDARMFIN) median intrinsic value is ₹1657.23 from 9 valuation models (range ₹1083–₹3704), vs current price ₹4447.80 — -62.7% downside (Trading Above Calculated Value), margin of safety -100.0%. Read SUNDARMFIN dividend growth for the complete payout history and dividend yield track record.
SUNDARMFIN Valuation Methods Summary — DCF, Graham Number & P/E
Sundaram Finance intrinsic value across 9 models vs current price ₹4447.80 — upside/downside and value range per method. For current market price and key ratios, visit Sundaram Finance stock price NSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹2413.44 | ₹1930.75 - ₹2896.13 | -45.7% | EPS: ₹201.12, Sector P/E: 12x |
| Book Value Method | asset | ₹1083.20 | ₹974.88 - ₹1191.52 | -75.6% | Book Value/Share: ₹1354.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1334.34 | ₹1200.91 - ₹1467.77 | -70.0% | Revenue/Share: ₹941.45, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹3703.64 | ₹3333.28 - ₹4074.00 | -16.7% | EBITDA: ₹8148.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹1334.34 | ₹1200.91 - ₹1467.77 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹1657.23 | ₹1491.51 - ₹1822.95 | -62.7% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹2417.45 | ₹2175.70 - ₹2659.20 | -45.6% | ROE: 14.9%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹2475.30 | ₹2227.77 - ₹2722.83 | -44.3% | EPS: ₹201.12, BVPS: ₹1354.00 |
| Dividend Yield Method | dividend | ₹1334.34 | ₹1200.91 - ₹1467.77 | -70.0% | DPS: ₹40.00, Target Yield: 4.0% |
SUNDARMFIN Intrinsic Value vs Market Price — All Valuation Models
Sundaram Finance fair value range ₹1083–₹3704 vs current market price ₹4447.80 across 9 valuation models. Analyse Sundaram Finance ownership structure to track promoter, FII and institutional holdings.
SUNDARMFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Sundaram Finance median intrinsic value ₹1657.23, current price ₹4447.80 — Trading Above Calculated Value by 62.7%, margin of safety -100.0%.
What is the intrinsic value of SUNDARMFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Sundaram Finance (SUNDARMFIN) is ₹1657.23 (median value). With the current market price of ₹4447.80, this represents a -62.7% variance from our estimated fair value.
The valuation range spans from ₹1083.20 to ₹3703.64, indicating ₹1083.20 - ₹3703.64.
Is SUNDARMFIN undervalued or overvalued?
Based on our multi-method analysis, Sundaram Finance (SUNDARMFIN) appears to be trading above calculated value by approximately 62.7%.
SUNDARMFIN Financial Health — Key Ratios vs Industry Benchmarks
Sundaram Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.03 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 14.9% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 78.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.12x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
SUNDARMFIN Cash Flow Quality — Operating & Free Cash Flow
Sundaram Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-5,892 Cr | ₹-6,578 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-8,985 Cr | ₹-8,985 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-8,488 Cr | ₹-8,488 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-6,504 Cr | ₹-6,504 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹1,781 Cr | ₹983 Cr | Positive Free Cash Flow | 8/10 |