💰 Sundaram Finance Is Up 55% in a Year — But ROA Has Fallen. Is the NBFC Titan Losing Steam or Conserving Fuel?
📌 At a Glance Sundaram Finance Ltd (CMP ₹5,359.00) closed FY25 with a 17% rise in AUM to ₹51,476 Cr and 6% PAT growth to ₹1,543 Cr. Disbursements grew a modest 9%, net NPA remained below 1%, and the board declared a ₹21 per share dividend (210%). All sounds steady — but here’s the catch: ROA dropped to 2.85% from 3.18%, and NIMs are clearly under pressure. So is this a safe compounding king… or is it cruising on cruise control while peers rev hard?
🏢 About the Company
Metric
Value
Name
Sundaram Finance Ltd (SFL)
CMP (May 26, 2025)
₹5,359.00
52W High/Low
₹5,429 / ₹3,260
Market Cap
₹47,000+ Cr
Founded
1954
Headquarters
Chennai
Business
Auto loans, SME loans, Housing Finance, Insurance, Asset Management
Group
TSF Group (ex-TVS family)
A vintage NBFC with a Madras filter coffee balance sheet — conservative, well-run, and allergic to reckless growth.
👥 Key Leadership
Harsha Viji – Executive Vice Chairman
Rajiv Lochan – Managing Director
P.N. Srikant – CCO & Company Secretary
These aren’t fintech bros chasing unicorn status — they’re compounding monks with IRR spreadsheets.
