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View Plans2-year trend showing gross, operating, and net profit margins
Sundaram Finance Ltd.'s net profit margin of 21.9% in FY2025 reflects excellent profitability, with operating margin at 13.4%.
In FY 2025, Sundaram Finance Ltd. posted an operating margin of 13.4%, a net margin of 21.9%. Operating Margin = EBIT / Revenue; Net Margin = Net Income / Revenue. Typical healthy ranges: Operating 10-20%, Net 5-10%+. Consistent or improving margins indicate strong competitive positioning.
2-year trend showing revenue, gross profit, and net profit
Sundaram Finance Ltd.'s revenue grew 17.5% to 85.63B and net profit grew 30.9% to 18.79B YoY in FY2025, indicating healthy business momentum.
In FY 2025, Sundaram Finance Ltd.'s revenue grew by 17.5% year-over-year. Revenue is total income from operations. Gross Profit is revenue minus cost of goods. Net Profit is the bottom line after all expenses. Consistent growth across all three signals a healthy, expanding business.
2-year trend showing shareholder returns
Sundaram Finance Ltd.'s ROE of 14.2% in FY2025 indicates moderate shareholder returns.
In FY 2025, Sundaram Finance Ltd. reported an ROE of 14.2%. ROE = (Net Income / Shareholders' Equity) x 100. Measures how efficiently the company turns equity into profit. Above 15% is generally strong; above 25% is excellent. Very high ROE may signal high leverage — check alongside debt levels.
2-year trend showing asset quality
Sundaram Finance Ltd.'s net NPA ratio of 1.4% in FY2025 indicates healthy asset quality.
In FY 2025, Sundaram Finance Ltd. reported a net NPA ratio of 1.38%. Net NPA Ratio measures bad loans (after provisions) as a percentage of total loans. Below 2% is healthy for NBFCs; above 3-4% signals stress. A declining trend indicates improving asset quality.
2-year trend comparing profitability with cash generation
In FY 2025, Sundaram Finance Ltd.'s free cash flow trailed net income. Free Cash Flow = Operating Cash Flow - Capital Expenditure. For NBFCs, FCF is typically negative because cash outflows for loan disbursements are part of core operations, not traditional capex. A negative FCF here does not signal financial weakness — it usually reflects a growing loan book.
2-year trend comparing profitability with cash from operations
In FY 2025, Sundaram Finance Ltd.'s operating cash flow trailed net income. Operating Cash Flow is cash generated from core operations. For NBFCs, OCF is often negative because loan disbursements (a core activity) consume cash. Negative OCF alongside rising net income typically reflects aggressive loan book growth, not operational weakness.
Measure a company's financial leverage, liquidity, and ability to meet financial obligations.
2-year trend showing short-term liquidity position
In FY 2025, Sundaram Finance Ltd. reported a current ratio of 1.19. Current Ratio = Current Assets / Current Liabilities. For NBFCs, a low current ratio is normal because large short-term borrowings are part of the business model. Liquidity is managed through Asset-Liability Management (ALM), not by maintaining high current ratios.
2-year trend showing ability to service debt
In FY 2025, Sundaram Finance Ltd. reported an interest coverage ratio of 0.3x. Interest Coverage = EBIT / Interest Expense. For NBFCs, interest expense is a core operating cost — their business model relies on the spread between interest earned and interest paid. A low ICR here does not indicate debt stress.
2-year trend showing financial leverage and capital structure
Sundaram Finance Ltd.'s debt-to-equity ratio of 4.63x in FY2025 reflects reasonable leverage within NBFC norms.
In FY 2025, Sundaram Finance Ltd. reported a debt-to-equity ratio of 4.63. Debt-to-Equity = Total Debt / Total Equity. NBFCs naturally operate with high leverage (D/E of 3-7x is typical) because borrowing to lend is their core business. A high D/E here does not indicate financial distress — compare with NBFC peers for context.
2-year trend showing total debt with year-over-year changes
Sundaram Finance Ltd.'s borrowings grew 16.7% YoY in FY2025, indicating borrowing growth likely driven by loan book expansion.
In FY 2025, Sundaram Finance Ltd.'s total debt increased by 16.7% year-over-year. Total Debt includes short-term debt, long-term loans, debentures, and capital leases. For NBFCs, rising debt typically reflects loan book growth, not financial distress. Compare debt growth with loan book and revenue growth for context.
Year-over-year change in diluted shares outstanding
Sundaram Finance Ltd.'s diluted shares remained virtually unchanged in FY2025.
Over 2 years (FY2024–FY2025), diluted shares remained essentially unchanged at 110.21M.
In FY 2025, Sundaram Finance Ltd.'s diluted shares increased by 0.0% year-over-year. Diluted Shares accounts for stock options, warrants, and convertibles. Positive YoY change means dilution (red); negative means buybacks (green). Consistent dilution above 5% annually is a red flag.
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Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: FY 2025