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.
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.
Sundaram FinanceNSE:SUNDARMFIN -2.65%67 5-Year Yield-on-Cost % is 2.28 as of Aug. 12, 2026, which is 14% above its 10-year median of 2.00. GuruFocus rates NSE:SUNDARMFIN with a GF Score™ of 67/100 and a GF Value™ of ₹5,851.77 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 212 Credit Services companies, Sundaram Finance ranks worse than 67.45% on this metric.
Sundaram Finance's yield on cost for the quarter that ended in Jun. 2026 was 2.28.
The historical rank and industry rank for Sundaram Finance's 5-Year Yield-on-Cost % or its related term are showing as below:
NSE:SUNDARMFIN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.67 Med: 2 Max: 3.86
Current: 2.28
During the past 13 years, Sundaram Finance's highest Yield on Cost was 3.86. The lowest was 0.67. And the median was 2.00.
NSE:SUNDARMFIN's 5-Year Yield-on-Cost % is ranked worse than 67.45% of 212
companies
in the Credit Services industry
Industry Median: 4.51
vs NSE:SUNDARMFIN: 2.28
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Sundaram Finance 5-Year Yield-on-Cost % Related Terms
NSE:SUNDARMFIN vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Sundaram Finance's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sundaram Finance's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Sundaram Finance's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Sundaram Finance (NSE:SUNDARMFIN) has a 5-Year Yield-on-Cost % of 2.28 as of Aug. 12, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sundaram Finance and its competitors. This is 14% above median its historical median of 2.00. Over the past decade, Sundaram Finance's 5-Year Yield-on-Cost % has ranged from 0.67 to 3.86. According to the industry distribution chart, Sundaram Finance ranks #143 out of 212 companies in the Credit Services industry, placing it in the top 67.5%.
Is Sundaram Finance's 5-Year Yield-on-Cost % too high?
Sundaram Finance's current 5-Year Yield-on-Cost % of 2.28 is 14% above median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 3.86. The Credit Services industry median 5-Year Yield-on-Cost % is 4.51. Sundaram Finance's value of 2.28 is 49.4% below this industry median. Based on the distribution chart, Sundaram Finance ranks #143 out of 212 companies in the Credit Services industry, which is below the industry midpoint. Overall, Sundaram Finance has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sundaram Finance's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Sundaram Finance ranks #143 out of 212 companies for 5-Year Yield-on-Cost %. This places Sundaram Finance in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.51. Sundaram Finance's value of 2.28 is 49.4% below this benchmark. Historically, Sundaram Finance's own 5-Year Yield-on-Cost % has ranged from 0.67 to 3.86 over the past decade. While the company's 10-year median is 2.00 vs. the industry median of 4.51, Sundaram Finance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.51, based on 212 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sundaram Finance's current 5-Year Yield-on-Cost % of 2.28 is 49.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sundaram Finance and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sundaram Finance's current 5-Year Yield-on-Cost % is 2.28, which is 14% above median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sundaram Finance stock overvalued right now?
Based on GuruFocus' analysis, Sundaram Finance (NSE:SUNDARMFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹5,851.77, compared to a current price of ₹4,447.40 — trading 24% below its estimated fair value. The current 5-Year Yield-on-Cost % is 2.28, which is 14% above median its 10-year median of 2.00 and 49.4% below the Credit Services industry median of 4.51. Sundaram Finance's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Sundaram Finance (NSE:SUNDARMFIN), the current 5-Year Yield-on-Cost % is 2.28 as of Aug. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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:
5-Year Yield-on-Cost %: 2.28 (14% above median its 10-year median of 2.00)
GF Value™: ₹5,851.77 vs. price of ₹4,447.40 (24% below fair value)
Industry Position: 49.4% below the Credit Services median (#143 of 212)
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 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
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:SUNDARMFIN has been successfully added to your 
