Sundaram Finance (NSE:SUNDARMFIN) Cyclically Adjusted PB Ratio: (As of Aug. 12, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:SUNDARMFIN Sundaram Finance Ltd NSE:SUNDARMFIN
67 GF Score
Price ₹4,447.40
GF Value ₹5,851.77
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Sundaram Finance Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Sundaram Finance  (NSE:SUNDARMFIN) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Sundaram Finance Cyclically Adjusted PB Ratio Related Terms


Sundaram Finance Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Sundaram Finance's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sundaram Finance Cyclically Adjusted PB Ratio Chart

Sundaram Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 6.62 5.17

Sundaram Finance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 5.70 0.00 5.17 0.00

NSE:SUNDARMFIN vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison

For the Credit Services subindustry, Sundaram Finance's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Sundaram Finance Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Sundaram Finance's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Sundaram Finance's Cyclically Adjusted PB Ratio falls into.


NSE:SUNDARMFIN
67GF Score
Sundaram Finance Ltd NSE:SUNDARMFIN
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Sundaram Finance Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Sundaram Finance's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Sundaram Finance's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0/166.1454*166.1454
=0.000

Current CPI (Jun. 2026) = 166.1454.

Sundaram Finance Quarterly Data

Book Value per Share CPI Adj_Book
201203 194.826 76.889 420.991
201303 235.301 85.687 456.244
201403 277.239 91.425 503.823
201503 337.499 97.163 577.112
201603 377.542 102.518 611.860
201703 436.901 105.196 690.037
201803 508.465 109.786 769.486
201806 0.000 111.317 0.000
201809 0.000 115.142 0.000
201812 0.000 115.142 0.000
201903 563.373 118.202 791.880
201906 0.000 120.880 0.000
201909 569.327 123.175 767.940
201912 0.000 126.235 0.000
202003 600.953 124.705 800.654
202006 0.000 127.000 0.000
202009 648.245 130.118 827.733
202012 0.000 130.889 0.000
202103 695.768 131.771 877.273
202106 0.000 134.084 0.000
202109 746.742 135.847 913.290
202112 0.000 138.161 0.000
202203 798.151 138.822 955.247
202206 0.000 142.347 0.000
202209 838.475 144.661 963.001
202212 0.000 145.763 0.000
202303 900.187 146.865 1,018.366
202306 0.000 150.280 0.000
202309 959.460 151.492 1,052.266
202312 0.000 152.924 0.000
202403 1,005.220 153.035 1,091.340
202406 0.000 155.789 0.000
202409 1,135.144 157.882 1,194.555
202412 0.000 158.323 0.000
202503 1,197.393 157.552 1,262.705
202506 0.000 159.755 0.000
202509 1,372.661 162.289 1,405.277
202512 0.000 163.281 0.000
202603 1,351.291 164.272 1,366.698
202606 0.000 166.145 0.000

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Sundaram Finance (NSE:SUNDARMFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Sundaram Finance stock appears to be undervalued. The current stock price of ₹4,447.40 is trading 24% below its estimated GF Value™ of ₹5,851.77. GuruFocus considers Sundaram Finance to be Modestly Undervalued.

Key valuation signals for NSE:SUNDARMFIN:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: ₹5,851.77 vs. price of ₹4,447.40 (24% below fair value)
  • GF Score™: 67/100 with 2 warning signs

No single metric tells the full story. See the NSE:SUNDARMFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Sundaram Finance Business Description

Other Exchanges 590071:India
Address 21, Patullos Road, Chennai, TN, IND, 600 002
Sundaram Finance Ltd is a nonbanking finance company operating in India. The company provides various financial products and services, including commercial vehicle finance, car finance, farm equipment finance, construction equipment finance, and fleet cards. Through its subsidiaries, the company has a diversified presence in insurance, mutual funds, housing finance, business process outsourcing, information technology services, and retail distribution of various financial services and products. The company's business segments include Asset Financing, which derives key revenue, and Other operations.
67GF Score

Get the complete analysis for NSE:SUNDARMFIN

Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹4,447.40
Price
₹5,851.77
GF Value