Sundaram Finance Financial Statements

Sundaram Finance (SUNDARMFIN) reported revenue of ₹85.63B in FY2025 with net income of ₹18.79B. Total assets stood at ₹753.37B and free cash flow was -₹90.31B.

Sundaram Finance Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Total Revenue		53.17B	51.46B	55.44B	72.86B	85.63B
Interest Exp. Interest Expense		-26.59B	-22.36B	-24.06B	-34.18B	-42.26B
SGA Sales, General & Admin		-2.14B	-3.63B	-4.15B	-5.93B	-4.69B
Emp. Salary Employee Salary		-5.61B	-6.19B	-6.71B	-8.32B	-9.46B
Total Expenses		-39.87B	-37.29B	-38.33B	-53.24B	-61.16B
PBT Profit Before Tax		13.30B	14.17B	17.11B	19.61B	24.47B
Net Income		11.65B	11.73B	10.88B	14.36B	18.79B
Dil. Shares Diluted Shares		110.16M	110.19M	111.10M	110.21M	110.21M
Diluted EPS		105.76	106.48	97.95	130.31	170.53

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows Sundaram Finance's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

Sundaram Finance Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Curr. assets Total current assets		451.72B	464.00B	539.69B	622.75B	735.14B
Non-curr. assets Total non-current assets		14.20B	17.54B	21.07B	20.01B	18.23B
Total assets		465.93B	481.54B	560.76B	642.76B	753.37B
Curr. liabilities Total current liabilities		370.57B	369.46B	433.18B	530.56B	619.58B
Non-curr. liab. Total non-current liabilities		853.90M	1.19B	1.09B	1.42B	1.82B
Total liabilities		371.42B	370.65B	434.27B	531.98B	621.40B
Total equity		94.51B	110.89B	126.48B	110.78B	131.97B
Total liab. & eq. Total liabilities & equity		465.93B	481.54B	560.76B	642.76B	753.37B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures Sundaram Finance's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

Sundaram Finance Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		13.30B	14.17B	17.11B	19.61B	24.47B
Operating CF Cash flow Operating Activities		4.50B	17.81B	-65.04B	-84.88B	-89.85B
Capex Investments in PPE		-112.80M	-280.60M	-253.50M	-833.50M	-460.90M
Investing CF Cash flow Investing Activities		-2.43B	-15.97B	6.69B	889.00M	9.31B
Dividend Paid		-1.71B	-2.02B	-2.97B	-3.19B	-3.31B
Financing CF Cash flow Financing Activities		-1.22B	-2.00B	58.90B	87.54B	78.21B
Cash (start) Cash at beginning of period		644.00M	1.50B	1.34B	1.88B	5.44B
Cash (end) Cash at end of period		1.50B	1.34B	1.88B	5.44B	3.11B
FCF Free Cash Flow		4.38B	17.53B	-65.30B	-85.71B	-90.31B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how Sundaram Finance's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025