Sundaram Finance (SUNDARMFIN) Q3 25/26 earnings summary

Executive summary

• Assets under management (AUM) reached ₹58,236 crore as of December 31, 2025, up 16% year-over-year from ₹50,199 crore.

• Unaudited standalone and consolidated financial results for the quarter and nine months ended 31st December 2025 were approved by the Board on 2nd February 2026.

• Disbursements for 9MFY26 grew 13% to ₹24,270 crore, with Q3FY26 disbursements up 14% year-over-year.

• Net interest income rose 21% to ₹2,475 crore in 9MFY26; Q3FY26 NII up 19%.

• Interim dividend of ₹16 per share (160%) declared, payable after 25th February 2026 to shareholders on record as of 6th February 2026.

Financial highlights

• Standalone Q3 FY26 revenue from operations: ₹1,910.97 crore, up from ₹1,648.06 crore in Q3 FY25; nine months revenue: ₹5,607.89 crore, up from ₹4,717.05 crore.

• Consolidated Q3 FY26 revenue from operations: ₹2,513.95 crore, up from ₹2,190.31 crore in Q3 FY25; nine months revenue: ₹7,248.52 crore, up from ₹6,226.58 crore.

• Standalone Q3 FY26 PAT: ₹402.87 crore, up from ₹349.06 crore in Q3 FY25; nine months PAT: ₹1,225.79 crore, up from ₹996.80 crore.

• Cost-to-income ratio improved to 28.72% in 9MFY26 from 31.37% in 9MFY25.

• Exceptional item of ₹66 crore recognized for new Labour Codes.

Outlook and guidance

• Market share extended across asset classes and geographies, with expectations to maintain growth trajectory.

• The company continues to monitor regulatory changes, especially regarding new Labour Codes, and will adjust accounting as needed.

• Anticipates continued improvement in asset quality and collections in coming months.