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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
TSF Investments Limited, formerly Sundaram Finance Holdings Limited, is an India-based specialist investment company. The Company is primarily engaged in the business of investments, business processing, and support services. The Company is primarily involved in strategic…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, fully valued.
Sundaram Finance Holdings is scored on the nbfc / financials framework. It keeps a healthy 16.9% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 122%/yr and profit at 74%/yr. Book value itself has compounded 20%/yr — the hallmark of a genuine compounder. Return on equity is a modest 8.7%. In the latest quarter profit fell 34% versus the prior quarter.
At 17× earnings, the stock sits at the 61st percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price implies ~8%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 18.11 | — | — |
| P/B | 1.49 | 7.05 | better |
| EV/EBITDA | 37.3 | 16.2 | worse |
| ROE | 8.65 | 4.93 | better |
| ROCE | 3.93 | — | — |
| ROA | 2.03 | — | — |
| Quick Ratio | 1.76 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
122% CAGR over 3 years — high-growth territory. Growth is accelerating — latest year outpaced the prior year's rate.
Revenue is outpacing profit (122% vs 74%) — costs are rising faster than the top line. The latest year saw a +115% swing — check if it's a one-off or structural.
Operating margin has compressed from 52% to 18% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
ROE at 2% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
Profit grew faster than EPS (74% vs 30%) — share dilution is eroding per-share value. 30% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Cash conversion at 1.6× PAT — earnings are well-backed by cash; strong accrual quality. Financing outflows in consecutive years — balance-sheet discipline through debt repayment or dividends.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Run-rate stepping up — recent quarters average 19% above earlier ones.
Profit fell 34% QoQ — one-quarter drops can be noise, but a pattern matters.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoter holding at 55.0% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.