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Shriram Finance

₹676.2 0.9 | 0.1%

Market Cap ₹127160 Cr.

Stock P/E 13.5

P/B 2.3

Current Price ₹676.2

Book Value ₹ 300

Face Value 2

52W High ₹730.4

Dividend Yield 1.46%

52W Low ₹ 493.6

Shriram Finance Research see more...

Overview Inc. Year: 1979Industry: Finance - NBFC

Shriram Transport Finance Company Limited is an asset financing non-banking finance employer. The Company is engaged in the enterprise of financing industrial vehicles. It also presents loans for equipment and different commercial enterprise purposes. The Company is primarily engaged within the business of financing section. It offers various merchandise consisting of commercial vehicles, loans, deposits, enterprise loans, working capital loans, and life insurance. The Company offers to lend for heavy-duty vehicles; medium, intermediate light-duty vehicles; pickup vehicles and mini vans; passenger vehicles; farm system, and system. The Company offers services to comparable asset classes (pre-owned and new commercial and passenger automobiles, tractors, three-wheelers) and ancillary services, inclusive of finance for working capital, credit cards,engine substitute, invoice discounting, and tire-loans as holistic financing support.

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Shriram Finance Share Price

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Shriram Finance Quarterly Results

#(Fig in Cr.) Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Operating Revenue 7795 7966 8003 8555 8922 9484 9605 10090 10698 11454
Other Income 3 13 5 9 5 14 5 7 7 6
Total Income 7798 7980 8008 8564 8927 9498 9610 10097 10705 11460
Total Expenditure 2082 2341 2141 2454 2634 2712 2661 2836 3033 3293
Operating Profit 5717 5639 5867 6111 6293 6786 6949 7261 7672 8167
Interest Expense 3241 3361 3488 3622 3707 3988 4129 4350 4751 5224
Depreciation 61 427 132 137 147 153 153 159 162 171
Profit Before Tax 2415 1851 2248 2352 2440 2644 2667 2752 4313 2772
Provision for Tax 615 566 572 601 621 698 686 680 1081 633
Profit After Tax 1800 1285 1675 1751 1818 1946 1981 2071 3232 2139
Adjustments -1 0 30 35 48 63 42 69 15 4
Profit After Adjustments 1799 1285 1705 1786 1866 2009 2023 2140 3247 2144
Adjusted Earnings Per Share 9.6 6.9 9.1 9.5 9.9 10.7 10.8 11.4 3.5 11.4

Shriram Finance Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 9177 10359 10903 13467 15529 16555 17420 19255 30477 34964 41834 41847
Other Income 3 3 2 62 103 21 26 25 33 38 25 25
Total Income 9180 10362 10904 13529 15632 16576 17446 19280 30509 35003 41859 41872
Total Expenditure 2781 3447 3713 3305 4245 4681 4940 5818 8699 9875 11732 11823
Operating Profit 6398 6915 7192 10225 11387 11895 12506 13462 21810 25128 30127 30049
Interest Expense 4706 5088 5219 6416 7566 8315 9091 9777 12996 14876 18532 18454
Depreciation 43 38 35 37 43 141 137 135 601 569 645 645
Profit Before Tax 1650 1789 1938 3896 3778 3439 3278 3549 8214 9684 12503 12504
Provision for Tax 621 606 672 1349 1214 937 791 841 2202 2493 3080 3080
Profit After Tax 1028 1184 1266 2546 2564 2502 2487 2708 6011 7190 9423 9423
Adjustments 0 0 0 3 12 10 12 13 -0 176 131 130
Profit After Adjustments 1028 1184 1266 2549 2576 2512 2499 2721 6011 7366 9554 9554
Adjusted Earnings Per Share 8.8 10.2 10.9 21.9 22.1 21.6 19.7 20.1 32.1 39.2 50.8 37.1

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 20% 30% 20% 16%
Operating Profit CAGR 20% 31% 20% 17%
PAT CAGR 31% 52% 30% 25%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 19% 39% 38% 14%
ROE Average 18% 17% 15% 15%
ROCE Average 12% 12% 11% 11%

Shriram Finance Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 9266 10175 11332 13690 15963 18142 21717 26094 43513 48947 56470
Minority's Interest 0 0 0 0 0 0 0 0 287 730 0
Borrowings 32856 30269 33699 76932 82966 92316 105479 114013 163724 131196 169123
Current Liability 19444 26503 27736 11062 6275 4652 2364 2544 8340 66565 67226
Other Liabilities & Provisions 5077 6059 7298 2459 3052 3082 4883 5019 5961 -2241 -2791
Total Liabilities 66642 73006 80064 104144 108256 118192 134443 147669 221825 245197 290027
Loans 32323 42850 47131 90746 96751 102232 108303 116665 178685 218696 245393
Investments 824 1223 1468 2456 4126 2936 3347 6971 7430 8032 10586
Fixed Assets 154 152 134 120 145 487 435 416 3711 3717 2914
Other Loans 2716 2528 2614 2605 3121 3286 5485 5957 8550 573 432
Other Non Current Assets 27 11 5 20 16 7 5 94 154 1134 371
Current Assets 30598 26242 28713 8196 4095 9243 16866 17564 23292 13045 30330
Total Assets 66642 73006 80064 104144 108256 118192 134443 147669 221825 245197 290027

Shriram Finance Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 5345 3526 805 1132 1091 1029 3089 11051 10662 9933 6182
Cash Flow from Operating Activities -9611 -5507 -2677 -13142 -5535 -2464 -4239 -8859 -17625 -31118 -43652
Cash Flow from Investing Activities -45 -36 -1 91 -76 -55 -25 -34 -193 -258 3661
Cash Flow from Financing Activities 7836 2822 3017 13014 5550 4579 12226 8505 11820 27626 44521
Net Cash Inflow / Outflow -1819 -2721 338 -37 -62 2060 7962 -388 -5999 -3750 4530
Closing Cash & Cash Equivalent 3526 805 1143 1091 1029 3089 11051 10662 9933 6013 10681

Shriram Finance Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 8.83 10.17 10.87 21.89 22.12 21.58 19.75 20.12 32.11 39.2 50.81
CEPS(Rs) 9.2 10.49 11.17 22.19 22.39 22.7 20.74 21.02 35.32 41.3 53.55
DPS(Rs) 1.95 1.95 1.95 2.14 2.34 0.97 3.6 4 7 9 9.9
Book NAV/Share(Rs) 79.38 87.31 97.3 117.58 137.1 155.82 171.64 192.92 231.35 260.12 300.08
Net Profit Margin 11.21 11.43 11.61 18.91 16.51 15.11 14.28 14.06 19.72 20.57 22.53
Operating Margin 69.25 66.39 65.64 76.57 73.05 71 71 69.21 69.59 70.24 74.19
PBT Margin 17.97 17.27 17.78 28.93 24.33 20.77 18.82 18.43 26.95 27.7 29.89
ROA(%) 1.67 1.7 1.65 2.76 2.41 2.21 1.97 1.92 3.25 3.08 3.52
ROE(%) 11.6 12.2 11.78 20.36 17.29 14.67 12.48 11.33 17.32 15.6 17.9
ROCE(%) 12.33 11.87 11.51 12.87 11.36 10.86 10.29 9.93 12.18 10.86 11.6
Price/Earnings(x) 24.58 18.28 19.32 12.82 11.22 5.99 14.4 11.28 7.85 12.04 12.91
Price/Book(x) 2.74 2.13 2.16 2.39 1.81 0.83 1.66 1.18 1.09 1.81 2.19
Dividend Yield(%) 0.9 1.05 0.93 0.76 0.94 0.75 1.27 1.76 2.78 1.91 1.51
EV/Net Sales(x) 7.32 6.67 6.7 8.25 7.27 6.17 7.22 6.69 6.4 7.9 8.04
EV/Core EBITDA(x) 10.5 9.99 10.16 10.87 9.91 8.58 10.05 9.57 8.94 10.99 11.17
Interest Earned Growth(%) 8.27 12.88 5.25 23.52 15.31 6.61 5.22 10.53 58.28 14.72 19.65
Net Profit Growth -24.26 15.09 6.93 101.2 0.69 -2.42 -0.58 8.87 122 19.61 31.05
EPS Growth(%) -24.26 15.09 6.93 101.4 1.05 -2.46 -8.48 1.87 59.6 22.1 29.59
Interest Coverage(x) % 1.35 1.35 1.37 1.61 1.5 1.41 1.36 1.36 1.63 1.65 1.67

Shriram Finance Shareholding Pattern

# Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Promoter 25.29 25.51 25.48 25.45 25.43 25.42 25.41 25.4 25.4 25.4
FII 45.55 49.78 55.36 54.67 53.96 53.89 54.26 53.27 53.06 53.55
DII 11.13 11.74 14.66 15.17 15.78 15.69 15.26 16.24 15.96 15.36
Public 18.03 12.97 4.5 4.71 4.83 5 5.07 5.09 5.58 5.69
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 30% CAGR over last 5 years

Cons

  • Promoter holding is low: 25.4%.

* 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.

Shriram Finance News

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