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Shriram Finance Limited SHRIRAMFIN NIFTY50NSEFINANCIAL

Financial Services · Credit Services · India
https://shriramfinance.in
Company Profile ↓
₹1,044.20
+57.98% 1Y
Mkt Cap₹1.96 L Cr
P/E19.61
P/B2.99
Div. Yield1.32%
52W High₹1,098.39
52W Low₹564.99
Book Value₹350.34
EPS (TTM)₹53.25

Company Overview

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, challan discounting and vehicle insurance premium loans; 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 services, such as electricity, LPG gas, gas bill payment, 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 housing society, clubs and associations, and education fees. It serves first time buyers, small road transport operators, commercial vehicles operators, micro, small, and medium enterprises (MSMEs), and 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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 15.2%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 18.6% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 13.9% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 19.6, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 40.0%.

Recent Developments

  • Mar 2026 Revenue of ₹25,034.27 Cr (+13.9% YoY); net profit ₹10,024.16 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +13.9%, earnings +4.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 13.9%, profit CAGR 18.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:13.92%
1 Year:13.86%

Compounded Profit Growth

5 Years:18.59%
1 Year:4.92%

Stock Price Performance

1 Year:+57.98%
6 Months:+7.95%
3 Months:+1.27%
1 Month:+4.41%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 90% of range
₹564.99 ₹1,098.39
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.45 · Neutral
Price Performance
1M+4.41%
3M+1.27%
6M+7.95%
1Y+57.98%
Valuation vs Sector

P/E of 19.61 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 40.0%.
  • Compounding revenue at 13.9% 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.

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Valuation

Stock P/E
19.61
Industry PE
19.81
Forward P/E
14.83
PEG Ratio
-
Book Value
₹350.34
Price to Book
2.99
P/S
11.89
EV/EBITDA
-
Dividend Yield
1.32%

Growth (CAGR)

Revenue 5Y
13.92%
Profit 5Y
18.59%
Revenue (YoY)
13.86%
Earnings (YoY)
4.92%

Profitability & Returns

ROCE
-
ROE
15.21%
ROA
3.12%
Profit Margin
40.04%
Op Margin
70.44%
Gross Margin
96.40%
EPS (Latest Qtr)
₹16.05
EPS (TTM)
₹53.25

Balance Sheet & Liquidity

Debt/Equity
2.76
Quick Ratio
2.26
Current Ratio
2.27
Debt
₹1.82 L Cr
Total Assets
₹3.21 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
22.12%
Chg in Prom Hold
-0.00%
FII / Inst Holding
59.52%
Chg in FII Hold
-0.07%

Financial Snapshot

Enterprise Value
₹1.96 L Cr
Total Revenue (TTM)
₹25,034.27 Cr
EBITDA
-
Free Cash Flow
₹-13,477.67 Cr
Operating Cash Flow
₹-13,281.43 Cr
Shares Outstanding
₹188.16 Cr
Gross Margin
96.40%
Payout Ratio
14.65%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 1,044.20 19.61 ₹1.96 L Cr 1.32% - 15.21% 13.92% 18.59%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 7,966.00 Cr8,003.00 Cr8,555.00 Cr8,922.00 Cr9,484.00 Cr9,605.00 Cr10,090.00 Cr5,799.93 Cr6,066.19 Cr5,999.37 Cr11,912.00 Cr6,733.88 Cr7,112.22 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 2,341.00 Cr2,141.00 Cr2,454.00 Cr2,634.00 Cr2,712.00 Cr2,661.00 Cr2,836.00 Cr1,714.95 Cr1,730.92 Cr1,807.57 Cr3,109.00 Cr2,060.04 Cr1,785.01 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 3,361.00 Cr3,488.00 Cr3,622.00 Cr3,707.00 Cr3,988.00 Cr4,129.00 Cr4,350.00 Cr4,751.26 Cr5,223.99 Cr5,400.76 Cr5,525.00 Cr5,259.35 Cr5,336.08 Cr
Pretax Income 1,851.00 Cr2,283.00 Cr2,391.00 Cr2,494.00 Cr2,717.00 Cr2,715.00 Cr2,830.00 Cr4,312.81 Cr2,771.98 Cr2,906.23 Cr3,113.00 Cr3,363.52 Cr3,917.48 Cr
Tax Provision 573.81 Cr570.75 Cr597.75 Cr623.50 Cr706.42 Cr678.75 Cr679.20 Cr1,080.74 Cr632.59 Cr750.98 Cr809.38 Cr839.51 Cr902.34 Cr
Net Income 1,288.00 Cr1,712.00 Cr1,792.00 Cr1,874.00 Cr2,021.00 Cr2,031.00 Cr2,153.00 Cr3,246.85 Cr2,143.77 Cr2,159.40 Cr2,314.00 Cr2,529.65 Cr3,020.94 Cr
Diluted EPS 6.869.109.529.9410.6910.7611.3917.2511.3911.4712.3013.4416.05

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 9,177.00 Cr10,359.00 Cr10,903.00 Cr13,502.00 Cr15,536.00 Cr16,561.00 Cr17,422.00 Cr-16,930.99 Cr19,083.40 Cr21,987.26 Cr25,034.27 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 2,781.00 Cr3,447.00 Cr3,712.00 Cr3,288.00 Cr4,171.00 Cr4,683.00 Cr4,932.00 Cr-4,836.11 Cr5,536.44 Cr6,538.01 Cr7,403.94 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 4,706.00 Cr5,088.00 Cr5,219.00 Cr6,409.00 Cr7,564.00 Cr8,313.00 Cr9,089.00 Cr-12,931.27 Cr14,802.60 Cr18,454.58 Cr21,521.02 Cr
Pretax Income 1,650.00 Cr1,789.00 Cr1,938.00 Cr3,896.00 Cr3,778.00 Cr3,439.00 Cr3,278.00 Cr-8,213.72 Cr9,683.64 Cr12,502.91 Cr13,300.19 Cr
Tax Provision 627.00 Cr608.26 Cr678.30 Cr1,363.60 Cr1,208.96 Cr928.53 Cr786.72 Cr-2,202.25 Cr2,493.16 Cr3,079.60 Cr3,295.99 Cr
Net Income 1,028.00 Cr1,184.00 Cr1,266.00 Cr2,549.00 Cr2,576.00 Cr2,512.00 Cr2,499.00 Cr-6,011.04 Cr7,366.38 Cr9,553.82 Cr10,024.16 Cr
Diluted EPS 8.139.3510.0020.1420.3619.8617.7120.4531.9739.1450.7553.25

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 62,154.00 Cr68,013.00 Cr74,446.00 Cr97,360.00 Cr1.05 L Cr1.14 L Cr1.30 L Cr-2.11 L Cr2.48 L Cr2.94 L Cr3.21 L Cr
Current Assets ------------
Cash & Equivalents --------10,490.36 Cr6,260.23 Cr19,783.91 Cr6,185.08 Cr
Inventory ------------
Receivables --------446.69 Cr392.72 Cr248.44 Cr144.28 Cr
Total Liabilities --------1.67 L Cr1.99 L Cr2.38 L Cr2.55 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------1.29 L Cr1.52 L Cr1.79 L Cr1.82 L Cr
Total Equity 9,266.00 Cr10,176.00 Cr11,332.00 Cr13,690.00 Cr15,963.00 Cr18,142.00 Cr21,717.00 Cr-43,512.86 Cr48,947.12 Cr56,469.82 Cr65,918.59 Cr
Shares Outstanding --------187.21 Cr187.90 Cr188.04 Cr188.16 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -9,611.00 Cr-5,507.00 Cr-2,677.00 Cr-13,142.00 Cr-5,535.00 Cr-2,464.00 Cr-4,239.00 Cr-8,859.00 Cr-17,625.25 Cr-31,118.27 Cr-43,651.90 Cr-13,281.43 Cr
Investing Cash Flow -45.00 Cr-36.00 Cr-2.00 Cr86.00 Cr-76.00 Cr-55.00 Cr-25.00 Cr-34.00 Cr-193.04 Cr-258.21 Cr3,661.21 Cr-242.83 Cr
Financing Cash Flow 7,836.00 Cr2,822.00 Cr3,017.00 Cr13,014.00 Cr5,550.00 Cr4,579.00 Cr12,226.00 Cr8,505.00 Cr11,819.51 Cr27,626.01 Cr44,521.09 Cr8,586.79 Cr
Capital Expenditure -44.00 Cr-36.00 Cr-18.00 Cr-66.00 Cr-76.00 Cr-55.00 Cr-25.00 Cr-34.00 Cr-196.59 Cr-245.60 Cr-254.59 Cr-196.24 Cr
Free Cash Flow -9,655.00 Cr-5,543.00 Cr-2,695.00 Cr-13,208.00 Cr-5,611.00 Cr-2,519.00 Cr-4,264.00 Cr-8,893.00 Cr-17,821.84 Cr-31,363.87 Cr-43,906.49 Cr-13,477.67 Cr
Net Change in Cash -1,819.00 Cr-2,721.00 Cr338.00 Cr-42.00 Cr-62.00 Cr2,060.00 Cr7,962.00 Cr-388.00 Cr-5,998.78 Cr-3,750.47 Cr4,530.40 Cr-4,937.47 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 11.2%11.4%11.6%18.9%16.6%15.2%14.3%-35.5%38.6%43.5%40.0%
ROE % 11.1%11.6%11.2%18.6%16.1%13.8%11.5%-13.8%15.0%16.9%15.2%
ROCE % ------------

Shareholding Pattern

Insiders
22.12%
Institutions
59.52%
Public Float
76.43%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for SHRIRAMFIN

Google News Fri, 10 Jul 2026

SHRIRAMFIN Outlook for the Week (July 13, 2026 – July 17, 2026) - Equitypandit

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Google News ue, 14 Jul 2026

Stock Market Open Report, July 14, 2026: Markets Open with Cautious Mode; Sensex Drops 265 points; Nifty 70 points Down - HDFC Sky

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Google News Mon, 08 Dec 2025

Should You Be Adding Shriram Finance (NSE:SHRIRAMFIN) To Your Watchlist Today? - simplywall.st

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Google News Fri, 10 Jul 2026

Shriram Finance Limited Declares Final Dividend for the Financial Year Ended March 31, 2026 - marketscreener.com

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Google News Sun, 02 Nov 2025

India's Shriram Finance at record high on beating quarterly profit view - TradingView

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Google News ue, 23 Jun 2026

Shriram Finance steady after strong Q4 numbers, shares hold near 1,000 rupees - Ad-hoc-news.de

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SHRIRAMFIN — Frequently Asked Questions

What is the current share price of Shriram Finance Limited (SHRIRAMFIN)?

As of 2026-07-15 09:52 IST, Shriram Finance Limited (SHRIRAMFIN) trades at ₹1,044.20 on NSE. Its 52-week range is ₹564.99 to ₹1,098.39.

What is the market capitalisation of SHRIRAMFIN?

Shriram Finance Limited (SHRIRAMFIN) has a market capitalisation of ₹1.96 L Cr on NSE.

What is the P/E ratio of SHRIRAMFIN?

SHRIRAMFIN trades at a trailing price-to-earnings (P/E) ratio of 19.61. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.99.

Does SHRIRAMFIN pay a dividend?

Shriram Finance Limited (SHRIRAMFIN) currently offers a dividend yield of 1.32%.

What is the return on equity (ROE) of SHRIRAMFIN?

SHRIRAMFIN has a return on equity (ROE) of 15.21%.

Is SHRIRAMFIN a good stock to buy?

This page provides a data-driven analysis of Shriram Finance Limited (SHRIRAMFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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