Shriram Finance Limited SHRIRAMFIN NIFTY50NSEFINANCIAL
Shriram Finance Limited, a non-banking finance company, provides financing services in India. It offers fixed and recurring deposits; commercial vehicle loans for commercial goods vehicles, passenger commercial vehicles, tractors and farm equipment, and construction equipment; two-wheeler, gold, used car loan, and personal loans; and green finance services. The company also provides business loans, such as MSME loans; working capital loans, including tyre, tax, fuel, toll financing, repair/top-up loans, fuel finance, and challan discounting; motor insurance, including four-wheeler, two-wheeler, passenger and goods carrying vehicle insurance products; non motor insurance products, such as personal accident, shri criti care, and home insurance; and life insurance products comprising savings, retirement, child, protection plans, as well as recharges, including mobile recharge, mobile postpaid, landline postpaid, DTH, and FASTag recharge services. In addition, it offers utilities and bills payment services, such as electricity, LPG gas, gas, broadband postpaid, water, and cable tv; financial services and taxes comprising credit card, loan repayment, insurance, municipal services, and recurring deposit; and other services, such as hospital and pathology, housing society, clubs and associations, and education fees. It serves first time buyers, small road transport operators, individuals, micro, small, and medium enterprises (MSMEs), salaried professionals, and self-employed individuals. The company was formerly known as Shriram Transport Finance Company Limited and changed its name to Shriram Finance Limited in November 2022. Shriram Finance Limited was incorporated in 1979 and is based in Mumbai, India.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 48.4%.
- Compounding revenue at 15.5% over 5 years.
- Profit CAGR of 18.6% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 8 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
| 9 | JIOFIN Jio Financial Services Limited NIFTY50NSEAIFINANCIAL | 238.95 | 99.15 | ₹1.58 L Cr | 0.21% | 1.63% | 1.21% | 407.38% | 268.28% |
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 5,799.93 Cr | 6,066.19 Cr | 5,999.37 Cr | 6,733.88 Cr | 7,112.22 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 1,714.95 Cr | 1,730.92 Cr | 1,807.57 Cr | 2,060.04 Cr | 1,785.01 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 4,751.26 Cr | 5,223.99 Cr | 5,400.76 Cr | 5,259.35 Cr | 5,336.08 Cr |
| Pretax Income | 4,312.81 Cr | 2,771.98 Cr | 2,906.23 Cr | 3,363.52 Cr | 3,917.48 Cr |
| Tax Provision | 1,080.74 Cr | 632.59 Cr | 750.98 Cr | 839.51 Cr | 902.34 Cr |
| Net Income | 3,246.85 Cr | 2,143.77 Cr | 2,159.40 Cr | 2,529.65 Cr | 3,020.94 Cr |
| Diluted EPS | 17.25 | 11.39 | 11.47 | 13.44 | 16.05 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 16,930.99 Cr | 19,083.40 Cr | 22,832.43 Cr | 26,075.09 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 4,836.11 Cr | 5,536.44 Cr | 6,571.52 Cr | 7,435.95 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 12,931.27 Cr | 14,802.60 Cr | 18,454.58 Cr | 21,521.02 Cr |
| Pretax Income | - | 8,213.72 Cr | 9,683.64 Cr | 12,502.91 Cr | 13,300.19 Cr |
| Tax Provision | - | 2,202.25 Cr | 2,493.16 Cr | 3,079.60 Cr | 3,295.99 Cr |
| Net Income | - | 6,011.04 Cr | 7,366.38 Cr | 9,553.82 Cr | 10,024.16 Cr |
| Diluted EPS | 20.45 | 31.97 | 39.14 | 50.75 | - |
Compounded Sales Growth
| 5 Years: | 15.48% |
| 1 Year: | 16.70% |
Compounded Profit Growth
| 5 Years: | 18.59% |
| 1 Year: | 40.90% |
Stock Price Performance
| 1 Year: | +46.75% |
| 6 Months: | +14.36% |
| 3 Months: | -11.04% |
| 1 Month: | -1.01% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 2.11 L Cr | 2.48 L Cr | 2.94 L Cr | 3.21 L Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 10,490.36 Cr | 6,260.23 Cr | 19,778.88 Cr | 7,943.13 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 446.69 Cr | 392.72 Cr | 253.80 Cr | 51.78 Cr |
| Total Liabilities | - | 1.67 L Cr | 1.99 L Cr | 2.37 L Cr | 2.55 L Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 1.29 L Cr | 1.52 L Cr | 1.79 L Cr | 1.81 L Cr |
| Total Equity | - | 43,512.86 Cr | 48,947.12 Cr | 56,469.82 Cr | 65,918.59 Cr |
| Shares Outstanding | - | 187.21 Cr | 187.90 Cr | 188.04 Cr | 188.16 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Operating Cash Flow | -17,625.25 Cr | -31,118.27 Cr | -43,651.90 Cr | -13,281.43 Cr |
| Investing Cash Flow | -193.04 Cr | -258.21 Cr | 3,661.21 Cr | -242.83 Cr |
| Financing Cash Flow | 11,819.51 Cr | 27,626.01 Cr | 44,521.09 Cr | 8,586.79 Cr |
| Capital Expenditure | -196.59 Cr | -245.60 Cr | -254.59 Cr | -196.24 Cr |
| Free Cash Flow | -17,821.84 Cr | -31,363.87 Cr | -43,906.49 Cr | -13,477.67 Cr |
| Net Change in Cash | -5,998.78 Cr | -3,750.47 Cr | 4,530.40 Cr | -4,937.47 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 35.5% | 38.6% | 41.8% | 38.4% |
| ROE % | - | 13.8% | 15.0% | 16.9% | 15.2% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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