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Sundaram Finance Holdings
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Company History
Sundaram Finance Holdings Limited is a Public Limited Company incorporated in August 11, 1954. The Company is registered as Non-Banking Finance Company (Deposit taking) with Reserve Bank of India and primarily engaged into the business of financing of commercial vehicles, cars, construction equipment and other vehicles in the retail segment.
During the year 2015, the Company credited an amount of Rs.256.56 crore to the Capital Reserve which pertains to the sale of 17,37,012 equity shares of the Company, held by SFL Shares Trust. The Company received the proceeds, being the sole beneficiary of the Trust. These shares accrued to the Trust on account of the merger of Lakshmi General Finance Limited with the Company, in the year 2005. During the year 2015, the Company mobilized fresh deposits aggregating to Rs.414.35 crore. Renewal of deposits during the year amounted to Rs.629.81 crore, representing 84% of the matured deposits of Rs.742.36 crore.
During the year 2015, the Company raised term funding from Banks, Mutual funds, Insurance companies and others in the form of non-convertible debentures and term loans to the tune of Rs.3878 crore, across various tenors.
As part of the overall funding plan, the Company's working capital limits with Consortium banks were retained at Rs. 1800 crore. During the year 2015, the Company also issued several tranches of commercial paper aggregating to Rs.8216 crore.During the year 2015, the Company raised resources to the extent of Rs.1323 crore through securitisation and assignment of hypothecation loan receivables.During the year 2015, Sundaram Parekh Warehousing Services Limited, a wholly owned subsidiary of Infreight Logistics Solutions Limited, which is a wholly owned subsidiary of Sundaram Finance Distribution Limited (SFDL), merged with Infreight, under a Scheme of Amalgamation under Section 391 to 394 of the Companies Act, 2013, effective 1st April 2014.
During the year 2015, the Company and RSA Group, UK, reached an agreement whereby RSA agreed to sell its entire 26% equity stake in Royal Sundaram Alliance Insurance Company (RSAIC), a joint venture, to the Company for a consideration of Rs 450 crore, subject to all regulatory approvals. The Company currently holds 49.90% in Royal Sundaram and the said acquisition would increase its holding to 75.90%.
During the year 2016, the Company mobilised fresh deposits aggregating to Rs 491.41 crore. Renewal of deposits during the year amounted to Rs 690.31 crore, representing 83% of the matured deposits of Rs 838.40 crore.
During the year 2016, the Company raised term funding from Banks, Mutual funds, Insurance companies and others in the form of non-convertible debentures and term loans to the tune of Rs. 2222 crore, across various tenors.
During the year 2016, the Company also issued several tranches of commercial paper aggregating to Rs.9835 crore.
During the year 2016, the Company acquired 8,19,00,000 equity shares of Royal Sundaram Alliance Insurance Company Limited from Royal & Sun Alliance Insurance PLC for a total consideration of Rs 450 crore, raising the Company's shareholding in Royal Sundaram from 49.90% to 75.90%. Consequently, Royal Sundaram became a subsidiary of the Company and the company's name was changed to Royal Sundaram General Insurance Co. Limited.During the year 2016, the Company's paid-up capital was reduced from Rs 94.50 crore to Rs 24 crore in accordance with the Scheme of Capital Reduction approved by the Hon'ble High Court of Judicature at Madras.
During the year 2016, the Company sold its entire holdings of 49.90% in BNP Paribas Sundaram Global Securities Operations Private Limited to the joint venture partner, BNP Paribas Securities Services, Paris, for a total consideration of Rs 44.30 crore.
During the year 2016, the Company raised resources to the extent of Rs 2998 crore through securitisation and assignment of receivables.
During the year 2017, the Company raised term funding from Banks, Mutual funds, Insurance companies and others in the form of non-convertible debentures and term loans to the tune of Rs.3554 crore, across various tenors.
During the year 2017, the Company raised resources to the extent of Rs.3999 crore through securitisation and assignment of receivables.
During the year 2017, the main objects clause in the Memorandum of Association of the company was amended,with a view to engage in the business of investments and the name of the Company was changed from Sundaram Finance Distribution Limited' to Sundaram Finance Investments Limited'and subsequently, to Sundaram Finance Holdings Limited'.
During February 2017, the paid-up share capital of the company was increased from Rs.50 lakhs to Rs.20 crore by way of a rights issue of 1,95,00,000 equity shares of Rs.10/- each.
The Board of Directors, at the meeting held on 25th November 2016, approved a draft Scheme of Amalgamation of Sundaram Infotech Solutions Limited (SISL) with the Company with effect from the Appointed Date, i.e. 1st April 2016. The Company has received the no-objection' letter from National Stock Exchange of India Limited for draft Scheme and steps have been taken to file the application with the National Company Law Tribunal in accordance with the provisions of Section 232 read with Section 230 and other applicable provisions of the Companies Act, 2013.
Pursuant to the sanctioning of the Composite Scheme of Arrangement and Amalgamation (Scheme) by the Hon'ble National Company Law Tribunal (NCLT), Division Bench, Chennai, vide Order dated 12th January 2018, received by the Company on 18th January 2018, the following matters, as envisaged in the Scheme with effect from the Appointed Date', i.e., 1st April 2016, have become operative:a. Amalgamation of Sundaram Insurance Broking Services Limited and Infreight Logistics Solutions Limited, wholly-owned subsidiaries, with the Company; b. De-merger of the shared services business of Sundaram BPO India Limited (Sundaram BPO), subsidiary, into the Company; and c. De-merger of the non-core business of the Company, viz. training services, identified shared services including shared services vested from Sundaram BPO, apart from the non-financial services investments, together with related assets, into Sundaram Finance Holdings Limited (SFHL). As provided in the Scheme, on 12th February 2018, all the shareholders of the Company were allotted 1 equity share of Rs 5/- each credited as fully paid-up in the capital of SFHL for every 1 fully paid-up equity share of Rs 10/- held by them in the Company as on the record date, i.e., 2nd February 2018. Pursuant to the said allotment, the shareholding of the Company in SFHL got reduced from 100% to 26.47% and SFHL became an associate of the Company. The equity shares of SFHL were listed on the National Stock Exchange of India Limited with effect from 26th March 2018.
During the year 2018, the Company mobilised fresh deposits aggregating to Rs 450.53 crore. Renewal of deposits during the year amounted to Rs 943.44 crore, representing 79% of the matured deposits of Rs 1170.48 crore.
During the year 2018, the Company raised term funding from Banks, Mutual funds, Insurance companies and others in the form of non-convertible debentures and term loans to the tune of Rs 5545 crore, across various tenors.
During the year 2018, the Company raised resources to the extent of Rs 3879 crore through securitisation and assignment of receivables.
During the year 2019, the Company mobilised fresh deposits aggregating to Rs 701.52 crore. Renewal of deposits during the year amounted to Rs 980.71 crore, representing 85% of the matured deposits of Rs 1150.27 crore.During the year 2019, the Company raised term funding from Banks, Mutual funds, Insurance companies and others in the form of non-convertible debentures and term loans to the tune of Rs 7014 crore, across various tenors.
During the year 2019, the Company raised resources to the extent of Rs 3236 crore through securitisation and assignment of receivables.
Sundaram Finance Holdings Share Price
Sundaram Finance Holdings share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.
Sundaram Finance Holdings Market Cap
Market capitalization of Sundaram Finance Holdings indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Sundaram Finance Holdings is valued compared to its competitors.
Sundaram Finance Holdings PE Ratio
Sundaram Finance Holdings PE ratio helps investors understand what is the market value of each stock compared to Sundaram Finance Holdings 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.
Sundaram Finance Holdings PEG Ratio
The PEG ratio of Sundaram Finance Holdings evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.
Sundaram Finance Holdings ROE (Return on Equity)
Return on Equity (ROE) measures how effectively Sundaram Finance Holdings generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.
Sundaram Finance Holdings ROCE (Return on Capital Employed)
Return on Capital Employed (ROCE) evaluates the profitability of Sundaram Finance Holdings in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.
Sundaram Finance Holdings Total Debt
Total debt of Sundaram Finance Holdings shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.
Sundaram Finance Holdings Debt to Equity Ratio
The Debt-to-Equity (DE) ratio of Sundaram Finance Holdings compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.
Sundaram Finance Holdings CAGR (Compound Annual Growth Rate)
CAGR shows the consistent growth rate of Sundaram Finance Holdings over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.
Sundaram Finance Holdings Technical Analysis
Technical analysis of Sundaram Finance Holdings helps investors get an insight into when they can enter or exit the stock. Key components of Sundaram Finance Holdings Technical Analysis include:
Support Levels (S1, S2, S3)
There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.
Resistance Levels (R1, R2, R3)
There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Sundaram Finance Holdings shares often struggle to rise above due to selling pressure.
Sundaram Finance Holdings Dividends
Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Sundaram Finance Holdings ’s financial health and profitability.
Sundaram Finance Holdings Bonus Shares
Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.
Sundaram Finance Holdings Stock Split
Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.
Sundaram Finance Holdings Financials
The financials of Sundaram Finance Holdings provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.
Sundaram Finance Holdings Profit and Loss Statements
The profit and loss statement of Sundaram Finance Holdings highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Sundaram Finance Holdings .
Sundaram Finance Holdings Balance Sheet
The balance sheet presents a snapshot of Sundaram Finance Holdings ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.
Sundaram Finance Holdings Cashflow Statements
Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.
Sundaram Finance Holdings Net Interest Margin (NIM)
Sundaram Finance Holdings Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.
Sundaram Finance Holdings Non-Performing Assets (NPA) Ratio
Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.
Sundaram Finance Holdings Capital Adequacy Ratio (CAR)
Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.
Sundaram Finance Holdings Gross NPA
Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.
Sundaram Finance Holdings Net NPA Ratio
Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.
Sundaram Finance Holdings CASA Ratio
CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.
SEBI REGISTERED RESEARCH ANALYST REGISTRATION NUMBER: INH000015729Disclaimer: "Investments in securities are subject to market risks. Read all the related documents carefully before investing." Receiving registration from SEBI and certification from NISM does not assure the performance of the intermediary or guarantee returns to investors in any manner. Compliance Email: [email protected]
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