Sundaram Finance Ltd (Finance & Investments - CV Finance) — fundamental analysis, earnings data, and key metrics. PE: 24.1. ROE: 15.3%. This stock is not currently in the Nifty 500 momentum outperformers list.
Based on Q3 FY26 earnings • Updated Feb 22, 2026
What: Interest income grew 14.78% YoY to ₹2,513.95 crores with 5.38% sequential growth.
Impact: +₹183.64 Cr revenue
“MarketsMojo: 'Interest income climbed to ₹2,513.95 crores in Q3 FY26, marking a 14.78% increase from ₹2,190.31 crores in Q3 FY25'”
What: Improved cost management driving better operational leverage.
“MarketsMojo: 'Operating margins (excluding other income) expanding to 79.76% in Q3 FY26 reflects improving cost management and operational leverage'”
Earnings deceleration risks from management commentary
Trigger: If cost of funds rises faster than lending rates
Impact: -30 bps margin impact
Management view: MarketsMojo: 'This compression reflects the ongoing competitive pressures in the NBFC sector and rising cost of funds'.
Monitor: NIM, cost of borrowing
Trigger: If ROE doesn't improve to peer levels
Management view: Not explicitly addressed in available sources
Monitor: ROE, asset utilization
Key quotes from recent conference calls
“The quarter's performance underscores Sundaram Finance's ability to maintain strong growth momentum despite a challenging macroeconomic environment. Interest income climbed to ₹2,513.95 crores in Q3 FY26, marking a 14.78% increase from ₹2,190.31 crores in Q3 FY25, whilst sequential growth of 5.38% over Q2 FY26 demonstrates consistent operational progress. — Management”
“Operating margins (excluding other income) expanding to 79.76% in Q3 FY26 reflects improving cost management and operational leverage. — Management”
“This compression reflects the ongoing competitive pressures in the NBFC sector and rising cost of funds, though Sundaram Finance has demonstrated resilience in protecting its core spread. — Management”
Forward-looking targets from management for FY26
Key Milestones
• Maintain NIM above 29.5%
• Improve ROE to peer levels
• Sustain loan growth above 15%
The above analysis is parsed from publicly available earnings call transcripts. This is educational research only — not investment advice. Last updated Feb 22, 2026.
Based on publicly available financial data. This is educational research, not investment advice.
Sundaram Finance Ltd's latest quarterly results (Dec 2025) show
Sundaram Finance Ltd's current PE ratio is 24.1x.
Sundaram Finance Ltd's price-to-book ratio is 3.4x.
Sundaram Finance Ltd's fundamental strength based on key financial ratios
Sundaram Finance Ltd has a debt-to-equity ratio of N/A.
Sundaram Finance Ltd's return ratios over recent years
Sundaram Finance Ltd's operating cash flow is negative (FY2025).
Sundaram Finance Ltd's current dividend yield is 0.76%.
Sundaram Finance Ltd's shareholding pattern (Dec 2025)
Sundaram Finance Ltd's promoter holding has decreased recently.
Sundaram Finance Ltd is an established outperformer with 1 weeks of consecutive Nifty 500 outperformance.
Sundaram Finance Ltd has 2 key growth catalysts identified from recent earnings analysis
Sundaram Finance Ltd has 2 key risks worth monitoring
In Q3 FY26, Sundaram Finance Ltd's management highlighted
Sundaram Finance Ltd's management has provided the following forward guidance for FY26
Based on quantitative research signals, here is why Sundaram Finance Ltd may be worth studying
Sundaram Finance Ltd investment thesis summary:
Sundaram Finance Ltd's forward outlook based on current data signals
The above FAQs are generated from publicly available earnings data and conference call transcripts. This is educational research only. Sector Alpha is not SEBI registered and does not provide investment advice.
