Shriram City Union

₹1923.6 0 | 0%

WEBSITE BSE:532498 NSE : SHRMCITYUN 28 Nov, 00:00

Market Cap ₹12895 Cr.

Stock P/E 9.4

P/B 1.3

Current Price ₹1923.6

Book Value ₹ 1509.2

Face Value 10

52W High ₹0

Dividend Yield 1.92%

52W Low ₹ 0

Edit Ratio

Shriram City Union Research see more...

Overview Inc. Year: 1986Industry: Finance - NBFC

Shriram City Union Finance Ltd is an primarily India based NBFC. The Company is specialized on presenting retail financing solutions, which include micro small and medium organisation (MSME) loans. It gives various number of options for financing the purchase of two wheeler motors throughout producers and brands. It offers mortgage against jewellery. It offers loans to finance the acquisition of new and pre-owned passenger and commercial vehicles, which incorporates 3 wheelers, 4 wheelers, pre-owned and new cars. It provides home loans, through its subsidiary, Shriram Housing Finance Ltd. (SHFL).

Shriram City Union Share Price

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Peer Comparison

Shriram City Union Quarterly Results

#(Fig in Cr.)	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022
Operating Revenue	1483	1508	1568	1595	1610	1708	1850	1900	2002	2155
Other Income	4	4	3	2	1	1	3	1	1	1
Total Income	1487	1511	1570	1597	1611	1709	1853	1901	2003	2156
Total Expenditure	619	532	554	555	650	598	693	665	753	794
Operating Profit	868	980	1016	1042	961	1111	1160	1236	1250	1363
Interest Expense	581	568	575	617	644	686	719	764	756	828
Depreciation	22	22	22	21	21	22	22	21	21	22
Profit Before Tax	265	389	420	404	295	403	420	451	473	513
Provision for Tax	66	114	114	106	75	101	105	123	119	128
Profit After Tax	198	275	306	298	220	302	315	327	354	385
Adjustments	-1	-4	-6	-3	-2	-4	-4	-3	-5	-5
Profit After Adjustments	197	271	300	295	218	298	311	324	350	379
Adjusted Earnings Per Share	29.9	41.1	45.5	44.7	33.1	45.2	46.9	48.7	52.4	56.7

Shriram City Union Profit & Loss

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	TTM
Operating Revenue	2038	3081	3226	3562	3998	4704	5437	6048	6234	6151	7073	7907
Other Income	19	19	54	51	21	5	2	3	6	11	7	6
Total Income	2057	3100	3280	3613	4020	4709	5439	6051	6240	6162	7080	7913
Total Expenditure	595	998	1102	1360	1688	2119	2466	2347	2423	2239	2595	2905
Operating Profit	1462	2102	2178	2253	2332	2590	2973	3704	3817	3923	4485	5009
Interest Expense	929	1411	1352	1343	1445	1657	1791	2125	2321	2358	2830	3067
Depreciation	14	25	30	44	38	36	35	34	90	87	86	86
Profit Before Tax	519	666	796	867	849	897	1146	1545	1406	1478	1569	1857
Provision for Tax	181	216	260	291	291	312	397	540	373	400	404	475
Profit After Tax	338	449	535	575	559	585	749	1006	1033	1078	1165	1381
Adjustments	0	0	-3	-4	-7	-6	-9	-4	-11	-14	-13	-17
Profit After Adjustments	338	449	532	571	552	578	741	1002	1023	1064	1152	1364
Adjusted Earnings Per Share	64.6	81.1	89.8	86.7	83.7	87.7	112.3	151.8	154.9	161.1	172.9	204.7

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	15%	5%	8%	13%
Operating Profit CAGR	14%	7%	12%	12%
PAT CAGR	8%	5%	15%	13%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	0%	6%	6%	3%
ROE Average	13%	14%	14%	16%
ROCE Average	11%	11%	11%	13%

Shriram City Union Balance Sheet

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Shareholder's Funds	1731	2289	3000	4216	4649	5188	5734	6584	7424	8388	9278
Minority's Interest	0	34	79	83	89	96	102	106	116	131	173
Borrowings	6314	8276	8930	8090	10013	10937	17876	19870	22815	26563	31814
Current Liability	4144	5409	4127	5821	6631	8541	7770	7733	6162	6466	7380
Other Liabilities & Provisions	443	422	414	416	653	1489	-69	-22	-12	-75	-90
Total Liabilities	12631	16431	16549	18625	22034	26251	31413	34271	36504	41472	48555
Loans	2483	3443	4503	6010	7381	11579	27534	28811	28601	30798	35546
Investments	3	3	12	102	367	378	404	377	331	259	939
Fixed Assets	53	90	103	83	87	83	88	91	251	240	251
Other Loans	19	57	51	45	29	22	23	23	24	42	39
Other Non Current Assets	369	240	109	137	35	45	81	96	81	79	88
Current Assets	9704	12599	11771	12248	14134	14143	3284	4873	7216	10054	11691
Total Assets	12631	16431	16549	18625	22034	26251	31413	34271	36504	41472	48555

Shriram City Union Cash Flow

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Opening Cash & Cash Equivalents	2013	960	1769	1175	391	423	438	339	996	2241	3916
Cash Flow from Operating Activities	-2832	-1469	-147	-1242	-1587	-3697	-3373	-236	446	-1951	-3861
Cash Flow from Investing Activities	-236	-184	-82	-208	-108	-63	-17	-352	259	72	-134
Cash Flow from Financing Activities	2014	2463	-365	666	1726	3775	3292	1245	540	3555	5348
Net Cash Inflow / Outflow	-1053	809	-594	-783	32	15	-98	657	1245	1676	1353
Closing Cash & Cash Equivalent	960	1769	1175	391	423	437	340	996	2241	3916	5269

Shriram City Union Ratios

#	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Earnings Per Share (Rs)	64.56	81.1	89.76	86.7	83.74	87.66	112.27	151.8	154.94	161.13	172.87
CEPS(Rs)	67.19	85.59	95.41	93.92	90.44	94.06	118.92	157.45	170.11	176.48	187.75
DPS(Rs)	6.5	8.5	10	15	15	15	18	22	6	33	37
Book NAV/Share(Rs)	311.09	402.74	502.9	639.32	704.37	786.42	868.82	997.02	1124.6	1267.7	1379.6
Net Profit Margin	16.59	14.59	16.6	16.15	13.97	12.43	13.78	16.63	16.57	17.52	16.47
Operating Margin	71.05	67.41	66.59	62.04	57.38	54.3	54.03	60.69	59.79	62.37	62.19
PBT Margin	25.48	21.61	24.66	24.34	21.24	19.07	21.09	25.55	22.56	24.03	22.18
ROA(%)	3.03	3.09	3.25	3.27	2.75	2.42	2.6	3.06	2.92	2.76	2.59
ROE(%)	23.96	23.28	20.54	15.99	12.61	11.89	13.73	16.34	14.76	13.65	13.27
ROCE(%)	14.56	15.76	14.3	13.8	12.44	11.74	11.25	12.34	11.76	11.02	10.87
Price/Earnings(x)	9.84	13.2	12.27	22.69	17.91	26.3	19.07	12.25	4.78	8.46	9.4
Price/Book(x)	2.04	2.66	2.19	3.08	2.13	2.93	2.46	1.87	0.66	1.07	1.18
Dividend Yield(%)	1.02	0.79	0.91	0.76	1	0.65	0.84	1.18	0.81	2.42	2.28
EV/Net Sales(x)	5.78	5.35	4.99	7	6.13	7.01	6.71	5.83	4.29	5.26	5.45
EV/Core EBITDA(x)	8.06	7.84	7.39	11.06	10.51	12.74	12.26	9.52	7.01	8.25	8.59
Interest Earned Growth(%)	54.32	51.2	4.69	10.42	12.26	17.64	15.59	11.24	3.08	-1.33	14.99
Net Profit Growth	40.52	32.92	19.14	7.46	-2.91	4.65	28.18	34.2	2.75	4.31	8.08
EPS Growth(%)	32.93	25.62	10.68	-3.41	-3.42	4.69	28.06	35.21	2.07	4	7.29
Interest Coverage(x) %	1.56	1.47	1.59	1.65	1.59	1.54	1.64	1.73	1.61	1.63	1.55

Shriram City Union Shareholding Pattern

#	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022
Promoter	33.92	34.56	34.63	34.63	34.63	34.6	34.46	34.61	36.95	36.86
FII	26.79	27.05	27.96	28.47	28.29	28.76	28.18	28.16	25.04	26.93
DII	5.64	35.88	3.88	3.53	3.78	3.84	4.08	4.01	4.56	6.07
Public	33.64	2.5	33.53	33.36	33.29	32.8	33.28	33.22	33.45	30.13
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022
Promoter	2.24	2.28	2.29	2.29	2.29	2.29	2.29	2.31	2.46	2.46
FII	1.77	1.79	1.85	1.88	1.87	1.9	1.87	1.88	1.67	1.8
DII	0.37	2.37	0.26	0.23	0.25	0.25	0.27	0.27	0.3	0.41
Public	2.22	0.17	2.21	2.2	2.2	2.17	2.21	2.21	2.23	2.01
Others	0	0	0	0	0	0	0	0	0	0
Total	6.6	6.6	6.6	6.6	6.6	6.61	6.63	6.66	6.67	6.69

Pros

Cons

Promoter holding is low: 36.86%.
Company has a low return on equity of 14% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.