Sundaram Finance Share Price Target 2027: Can It Reach Rs 6,076? Base Case at Rs 5,062
- November 6, 2026
- Posted by: Ankit Jaiswal
- Category: Market
Sundaram Finance share price Rs 4,214.20 (6 November 2026). Base target Rs 5,062, bull Rs 6,076, downside risk Rs 3,382. PE 20.89. 52W range Rs 3,816.00 to Rs 5,642.00.
Quick Answer
The Sundaram Finance share price target for 2027 is Rs 5,062, about 20.1% above the current price of Rs 4,214.20. The bull case is Rs 6,076, and the downside risk level, which is not a target, is Rs 3,382. The base case assumes earnings per share grow 19.7% a year, the pace seen from FY24 to FY26, with the stock holding its PE of 20.89. These are model-based estimates built from reported financials, not guaranteed outcomes.
Investors weighing a Sundaram Finance target price for 2027 should start with where the stock sits today. At Rs 4,214.20 on 6 November 2026, it is 25.3% below its 52-week high of Rs 5,642.00 and 10.4% above its 52-week low of Rs 3,816.00. That range spans 48% from low to high, so the entry point matters as much as the Sundaram Finance price forecast itself.
This article builds the Sundaram Finance share price target from reported numbers only: five years of annual results, the last five quarters, the latest shareholding pattern and current valuation ratios from company filings and exchange data. Each scenario states its assumptions, so you can trace how the base case, the bull case and the downside risk level were reached and test them against your own view.
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Sundaram Finance Stock Analysis: Company Overview and Key Stats
Sundaram Finance (NSE: SUNDARMFIN) has a market capitalisation of Rs 46,974 crore. In FY26 it reported revenue of Rs 9,873 crore and net profit of Rs 2,005 crore. The table collects the figures the Sundaram Finance share price target is built on.
| Metric | Value |
|---|---|
| Company | Sundaram Finance |
| NSE Ticker | SUNDARMFIN |
| CMP (6 November 2026) | Rs 4,214.20 |
| 52-Week High | Rs 5,642.00 |
| 52-Week Low | Rs 3,816.00 |
| Market Cap | Rs 46,974 crore |
| PE Ratio (TTM) | 20.89 |
| Industry PE | 16.86 |
| Price to Book | 2.92 |
| Return on Equity | 14.00% |
| Debt to Equity | 4.69 |
| EPS (TTM) | Rs 202.37 |
| Dividend Yield | 0.95% |
| 12-Month Base Target | Rs 5,062 |
| Bull Case | Rs 6,076 |
| Downside Risk Level (not a target) | Rs 3,382 |
Why Is Sundaram Finance Share Price Target Set at Rs 5,062 for 2027?
The arithmetic is short. Trailing EPS of Rs 202.37 grown for one year gives a forward EPS estimate of Rs 242.30, and multiplying it by the unchanged PE of 20.89 gives the Rs 5,062 base-case Sundaram Finance stock target. The bull case adds faster earnings growth and a higher multiple, while the downside risk level assumes flat earnings and a lower multiple.
Earnings Growth Behind the Sundaram Finance Target Price: Five Years of Results
Sundaram Finance grew revenue from Rs 5,146 crore in FY22 to Rs 9,873 crore in FY26, a compound annual growth rate of 17.7%. Net profit grew more slowly, from Rs 1,067 crore to Rs 2,005 crore (17.1% a year), which points to margin pressure alongside the sales growth.
| Financial Year | Revenue (Rs Cr) | Net Profit (Rs Cr) | EPS (Rs) | Dividend per Share (Rs) |
|---|---|---|---|---|
| FY22 | 5,145.67 | 1,066.62 | 106.48 | 20.00 |
| FY23 | 5,544.13 | 1,281.70 | 120.49 | 27.00 |
| FY24 | 7,285.50 | 1,422.43 | 130.31 | 30.00 |
| FY25 | 8,562.98 | 1,812.81 | 170.53 | 35.00 |
| FY26 | 9,873.12 | 2,005.40 | 186.81 | 40.00 |
FY26 revenue growth was 15.3%, slower than the four-year average of 17.7%, and net profit moved up 10.6%. EPS rose from Rs 130.31 in FY24 to Rs 186.81 in FY26. The FY27 outlook depends on whether that EPS estimate keeps compounding.
Margins and the Latest Quarter
Sundaram Finance converted 20.3% of FY26 revenue into net profit, against 21.2% in FY25, within a five-year range of 19.5% to 23.1%. EBITDA margin was 77.7% in FY26 versus 80.5% in FY25.
In the September 2026 quarter, revenue was Rs 2,749 crore, up 14.5% from the same quarter a year earlier, while net profit of Rs 557.24 crore was up 13.5%. EBITDA came in at Rs 2,128 crore, up 12.8% year on year. The next quarterly result is the first test of whether the earnings assumption holds.
Balance Sheet and Cash Flow
Debt to equity stands at 4.69, and shareholders’ equity grew from Rs 11,089 crore in FY22 to Rs 14,894 crore in FY26. Operating cash flow in FY26 was negative at Rs 5,892 crore against capital expenditure of Rs 62.42 crore, leaving negative free cash flow of Rs 5,955 crore. In FY25 free cash flow was negative at Rs 9,043 crore.
Valuation Check for the Sundaram Finance Stock Target: PE, Price to Book and ROE
At a PE of 20.89 against an industry PE of 16.86, Sundaram Finance trades at a premium to its industry. Price to book is 2.92 on a book value of Rs 1,445.45 per share, and return on equity is 14.00%. A PE of 20.89 equals an earnings yield of 4.8%, and the FY26 dividend of Rs 40.00 per share gives a yield of 0.95%.
Shareholding Pattern and Institutional Holding
Promoters held 37.19% of Sundaram Finance in September 2026, and promoter holding has stayed near 37.19% since September 2025. Foreign institutional investors (FII) held 17.99% and domestic institutions (DII) held 8.88%, which puts total institutional holding at 26.87%. FII holding fell from 19.06% in September 2025 to 17.99% in September 2026. Public shareholders own the remaining 35.93%. A meaningful institutional holding adds a layer of research coverage and trading depth.
Sundaram Finance Share Price Targets for the Short Term and 12 Months
Short Term Sundaram Finance Stock Target Levels: Technical Setup
At Rs 4,214.20 on 6 November 2026, Sundaram Finance trades below its 50-day simple moving average of Rs 4,367.78 and below its 200-day exponential moving average of Rs 4,548.15. The 14-day RSI reads 48.5, which is neutral territory, and the MACD line sits above its signal line. The nearest resistance level is Rs 4,367.78 (50-day simple moving average) and the nearest support is Rs 3,816.00 (52-week low). A sustained move above Rs 4,367.78 would improve the short-term setup, while a close below Rs 3,816.00 would shift attention to the next support.
12 Month Sundaram Finance Target Price for 2027
The 12-month target of Rs 5,062 means a move of 20.1% up from Rs 4,214.20 over the next 12 months. It would still leave the stock 10.3% below its 52-week high of Rs 5,642.00. Anyone checking the Sundaram Finance share price target against their own view should focus on two inputs: the EPS estimate and the PE multiple.
How EPS Growth and PE Multiple Change the Sundaram Finance Target Price
| EPS Growth | PE 16.71 | PE 20.89 | PE 24.02 |
|---|---|---|---|
| 0.0% (EPS Rs 202.37) | Rs 3,382 | Rs 4,228 | Rs 4,861 |
| 19.7% (EPS Rs 242.30) | Rs 4,049 | Rs 5,062 | Rs 5,820 |
| 25.0% (EPS Rs 252.96) | Rs 4,227 | Rs 5,284 | Rs 6,076 |
Each cell multiplies the forward EPS estimate by the PE shown. Reading across a row shows what a de-rating or re-rating does to the Sundaram Finance price forecast, and reading down a column shows what earnings growth is worth at a fixed multiple.
Bull Case and Downside Risk for Sundaram Finance Stock Target in 2027
Bull Case Rs 6,076
The bull case Sundaram Finance price target needs EPS growth of 25.0%, which lifts forward EPS to Rs 252.96, and a PE multiple that rises 15% to 24.02. That gives Rs 6,076, 44.2% above the current price and above the 52-week high of Rs 5,642.00, so the stock would have to set a fresh 52-week high.
Downside Risk Level Rs 3,382
The downside risk level is not a target. It assumes EPS stays flat at Rs 202.37 and the PE falls 20% to 16.71. That gives Rs 3,382, 19.7% below the current price and below the 52-week low of Rs 3,816.00.
| Scenario | EPS Growth | PE Multiple | Price (Rs) | Change vs CMP |
|---|---|---|---|---|
| Bull Case | 25.0% | 24.02 | Rs 6,076 | +44.2% |
| Base Case | 19.7% | 20.89 | Rs 5,062 | +20.1% |
| Downside Risk | 0.0% | 16.71 | Rs 3,382 | -19.7% |
Key Risks to the Sundaram Finance Target Price for 2027
Growth Slowdown Risk for the Sundaram Finance Price Target
Revenue in the September 2026 quarter was up 14.5% year on year, and FY26 revenue growth was 15.3%. If growth slows from here, the EPS estimate behind the Sundaram Finance stock target will need revising.
Liquidity and Size Risk
Sundaram Finance has a market capitalisation of Rs 46,974 crore. Institutional holding is 26.87%, and promoters hold 37.19%. Stocks of this size are usually liquid, though exits can take longer than entries when the market is falling.
Valuation and Margin Risk
Net margin was 20.3% in FY26, and a squeeze from higher costs or weaker pricing would hit earnings first. At a PE of 20.89 versus an industry PE of 16.86, a de-rating toward the downside-risk PE of 16.71 would cut the price even if earnings hold.
Market and Technical Risk
Technical indicators add short-term risk: the 14-day RSI is 48.5 and the MACD sits above its signal line. A broad fall in the Nifty 50 or the Sensex can override company fundamentals for weeks at a time.
How to Invest in Sundaram Finance
Start with the live price and volume. Any Sundaram Finance share price target is only as current as the data behind it, and the data here is as of 6 November 2026, so refresh the Rs 4,214.20 price before acting on any level.
Next, review the fundamentals yourself. The Univest Screener lets you check Sundaram Finance’s PE, ROE, debt and shareholding in one place.
Check Sundaram Finance fundamentals on the Univest Screener
Then compare the three Sundaram Finance target price scenarios with your own view. If you expect EPS growth below 19.7%, the base case is too optimistic for you; if you expect more, the bull case deserves weight.
Decide your position size and exit levels before you buy. The support and resistance levels above can serve as reference points, but they are not recommendations.
Finally, place the order through a SEBI-registered broker or the Univest app, and review the position after each quarterly result. Consult a SEBI-registered advisor if you are unsure.
Download the Univest iOS App or Univest Android App to track Sundaram Finance live price and get daily stock recommendations.
Conclusion
The Sundaram Finance share price target for 2027 is Rs 5,062 in the base case, with Rs 6,076 as the bull case. The support for that view is arithmetic you can check: EPS grew 19.7% a year over FY24 to FY26, and the stock trades at a PE of 20.89. The risks are equally concrete, including a PE of 20.89 that sits above the industry PE of 16.86 and a downside scenario that cuts the price 20% if earnings stall. Use these numbers as a framework, check them against the latest filings, and size any position to your own risk appetite.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
FAQs on Sundaram Finance Share Price Target 2027
What is the Sundaram Finance share price target for 2027?
Ans. The base-case Sundaram Finance share price target for 2027 is Rs 5,062, which is 20.1% above the price of Rs 4,214.20 on 6 November 2026. The bull case is Rs 6,076 and the downside risk level, which is not a target, is Rs 3,382. All three come from one method: forward EPS multiplied by a PE multiple, using only reported results. They are model estimates and not guaranteed outcomes, and the next quarterly result is the first check on the EPS assumption.
What is the Sundaram Finance share price today?
Ans. As of 6 November 2026, 9:49 AM IST, Sundaram Finance (NSE: SUNDARMFIN) trades at Rs 4,214.20, down 0.19% on the day. That is 25.3% below the 52-week high of Rs 5,642.00 and 10.4% above the 52-week low of Rs 3,816.00. The market capitalisation of Rs 46,974 crore places it among mid-cap stocks. Prices change through the trading session, so check the live quote before acting on any level in this article.
Is Sundaram Finance a buy or sell at the current price?
Ans. The data points both ways. On the positive side, EPS has grown 19.7% a year over FY24 to FY26 and the base case implies 20.1% upside; on the cautious side, the PE of 20.89 is above the industry PE of 16.86, and the downside risk level of Rs 3,382 is 20% below the current price. Whether Sundaram Finance fits your portfolio depends on your time horizon, position size and risk appetite. Consult a SEBI-registered advisor before investing, as this article is not investment advice.
What are the bull case target and downside risk level for Sundaram Finance shares?
Ans. The bull case in the Sundaram Finance share price target for 2027 is Rs 6,076, which assumes 25.0% EPS growth and a PE of 24.02, a 15% re-rating from today’s multiple. That is 44.2% above the current price and above the 52-week high of Rs 5,642.00, so the stock would have to set a fresh 52-week high. The downside risk level is Rs 3,382, which assumes flat EPS and a PE of 16.71, 20% lower than today. It sits 19.7% below the current price and below the 52-week low of Rs 3,816.00, and it marks a risk to watch, not a target.
What are the main risks to the Sundaram Finance price target?
Ans. Four risks matter most for the Sundaram Finance share price target: slower revenue or profit growth, a PE de-rating, thin liquidity or size risk, and weakness in the broader market. With a market capitalisation of Rs 46,974 crore, the stock is usually liquid, though exits can take longer than entries in a falling market. A fall to the downside-risk PE of 16.71 would cut the price even if earnings hold.
What is the PE ratio of Sundaram Finance and how does it compare with the industry?
Ans. The PE ratio of Sundaram Finance is 20.89, against an industry PE of 16.86, which is a premium to the industry. Price to book is 2.92 and return on equity is 14.00%, and the PE equals an earnings yield of 4.8%. The base case holds the PE unchanged, so the Sundaram Finance share price target moves only with earnings, while the bull and downside scenarios change the multiple by +15% and -20%.
Who owns Sundaram Finance, and what is the promoter holding?
Ans. Promoters held 37.19% of Sundaram Finance in September 2026. FII held 17.99%, DII held 8.88% and the public held 35.93%. Together the two institutional groups hold 26.87%. Shareholding is filed every quarter, so it is worth rechecking after each result.
What were Sundaram Finance’s latest quarterly results?
Ans. In the September 2026 quarter, Sundaram Finance reported revenue of Rs 2,749 crore (up 14.5% year on year) and net profit of Rs 557.24 crore (up 13.5%). For comparison, FY26 full-year revenue growth was 15.3% and net profit moved up 10.6%. Each new quarter either supports or weakens the EPS growth of 19.7% assumed in the base case.
