Sundaram Finance Share Price Target 2026, 2027, 2028, 2029, 2030
- Market Cap
- ₹53,025 Cr
- Book Value
- ₹1,341
- Stock P/E
- 23.3
- Dividend Yield
- 0.84%
- ROE
- 15.0%
- ROCE
- —
- PEG Ratio
- 1.39
- EV/EBITDA
- —
Fundamentals from Screener.in, as of 5 Aug 2026. Live price via Yahoo Finance.
Technical snapshot
EOD ·Sundaram Finance Ltd closed at ₹4,485.10 on 19 August 2026, down 2.9% on the day, 0.9% below its 50-day average, 20.5% below its 52-week high, with volume at 0.61× its 20-session average.
- RSI 14
- 46.8
- vs 50-day SMA
- -0.9%
- vs 200-day SMA
- -6.6%
- From 52-week high
- -20.5%
- Relative volume
- 0.61×
- 20-day return
- +1.5%
End-of-day prices from exchange-published files (NSE/BSE bhavcopy), updated after market close. Descriptive statistics, not investment advice.
Sundaram Finance share price today
Sundaram Finance (NSE: SUNDARMFIN) is the lender other lenders study. Seven decades of commercial-vehicle and car financing from the TVS-group stable, built on a culture that treats credit losses as moral failures: ROA of 2.8%, GNPA of 1.6%, and ~15% ROE delivered with metronomic consistency — through demonetisation, IL&FS, COVID and every truck cycle in between. It compounds slowly and never blows up. In lending, that second property is the moat.
At 23.3× earnings and 3.6× book, conservatism is not cheap because the market knows exactly what it is buying.
Underwriting as a family heirloom
Vehicle finance is a knowledge business wearing a balance sheet: which operator on which route with which cargo repays. Sundaram’s south-India-rooted branch network carries that knowledge generationally, and its funding cost — among the lowest of any NBFC, courtesy of its AAA reputation — completes the spread. Subsidiaries in home finance, insurance and asset management add quiet value the consolidated multiple rarely credits.
What matters next: the CV cycle (growth breathes with truck sales), funding-cost spreads as rates move, competitive intensity from banks in car finance, and succession continuity of the underwriting culture itself.
The numbers
Financial snapshot — 5 August 2026
| Metric | Value |
|---|---|
| Market cap | ₹53,025 Cr |
| P/E (TTM) | 23.3 |
| Price / Book | 3.6 |
| ROE / ROA | 15.0% / 2.8% |
| NIM | 5.8% |
| Gross NPA | 1.6% |
| Sales CAGR (5y) | 13.0% |
| Profit CAGR (5y) | 13.0% |
| Promoter holding | 37.2% |
| EPS (TTM) | ₹199.81 |
Sundaram Finance share price target 2026 to 2030
EPS base ₹199.81 (TTM). Bear: a CV downcycle plus spread pressure — 7% growth, multiple at 15×. Base: the franchise compounds as always — 13% growth at 20×. Bull: CV upcycle with subsidiary value surfacing — 17% growth at 26×.
From ₹4,779, the base case is ≈ +54% over four and a half years plus the 0.8% yield; the bear is −12%. That spread reflects a lender built to avoid blow-ups rather than chase the fastest loan growth.
What supports the case
- Underwriting culture proven across seven decades — the rarest asset in lending.
- ROA 2.8% with GNPA 1.6%: profitability without asset-quality debt.
- AAA-grade funding costs competitors cannot match.
- Unlisted subsidiaries (insurance, home finance, AMC) carry unpriced value.
- The CV cycle gives entries; the culture makes them safe.
The risks: growth is deliberately unspectacular, bank competition compresses car-finance yields, and 3.6× book already pays respect to the record.
What to weigh at the current price
The tension is whether underwriting discipline and subsidiary value can compound fast enough to justify 3.6× book through the next commercial-vehicle and funding-cost cycle.
FAQ
What is the Sundaram Finance share price target for 2030? The table above sets out bear, base and bull scenarios for each year to 2030. They are valuation sensitivities, not promised prices.
Why does Sundaram trade at a premium to other NBFCs? Asset quality across cycles. A GNPA of 1.6% in vehicle finance — a rough-and-tumble asset class — is the industry’s benchmark, and consistency earns the multiple.
What is the subsidiary value? Sundaram Home Finance, Royal Sundaram (insurance JV heritage), and the asset-management arm — businesses the consolidated P/E only partially reflects.
When are Sundaram Finance’s next results? Check the results calendar and confirm the announced date in the relevant exchange filing.
This article is research and education, not personalised investment advice. We are not SEBI-registered advisers. Price targets are scenario arithmetic, not promises. Do your own research and consult a registered adviser before acting.