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Shriram Finance

₹548.3 0.3 | 0%

Market Cap ₹103087 Cr.

Stock P/E 13.9

P/B 1.9

Current Price ₹548.3

Book Value ₹ 295.8

Face Value 2

52W High ₹730.4

Dividend Yield 1.64%

52W Low ₹ 438.8

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.) Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Operating Revenue 7582 7795 7966 8003 8555 8922 9904 9605 10090 10698
Other Income 10 3 13 5 9 5 14 5 7 7
Total Income 7592 7798 7980 8008 8564 8927 9918 9610 10097 10705
Total Expenditure 2082 2082 2341 2141 2454 2634 2819 2661 2836 3033
Operating Profit 5510 5717 5639 5867 6111 6293 7099 6949 7261 7672
Interest Expense 3329 3241 3361 3488 3622 3707 4197 4129 4350 4751
Depreciation 57 61 427 132 137 147 159 153 159 162
Profit Before Tax 2124 2415 1851 2248 2352 2440 2743 2667 2752 4313
Provision for Tax 548 615 566 572 601 621 725 686 680 1081
Profit After Tax 1576 1800 1285 1675 1751 1818 2018 1981 2071 3232
Adjustments 0 -1 0 30 35 48 -10 42 69 15
Profit After Adjustments 1576 1799 1285 1705 1786 1866 2009 2023 2140 3247
Adjusted Earnings Per Share 8.4 9.6 6.9 9.1 9.5 9.9 10.7 10.8 11.4 3.5

Shriram Finance Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Operating Revenue 8476 9177 10359 10903 13467 15529 16555 17420 19255 30477 36380 40297
Other Income 4 3 3 2 62 103 21 26 25 33 39 33
Total Income 8480 9180 10362 10904 13529 15632 16576 17446 19280 30509 36418 40330
Total Expenditure 2244 2781 3447 3713 3305 4245 4681 4940 5818 8699 10264 11349
Operating Profit 6236 6398 6915 7192 10225 11387 11895 12506 13462 21810 26154 28981
Interest Expense 4233 4706 5088 5219 6416 7566 8315 9091 9777 12996 15606 17427
Depreciation 33 43 38 35 37 43 141 137 135 601 588 633
Profit Before Tax 1970 1650 1789 1938 3896 3778 3439 3278 3549 8214 9960 12475
Provision for Tax 613 621 606 672 1349 1214 937 791 841 2202 2569 3172
Profit After Tax 1358 1028 1184 1266 2546 2564 2502 2487 2708 6011 7391 9302
Adjustments 0 0 0 0 3 12 10 12 13 -0 -25 116
Profit After Adjustments 1358 1028 1184 1266 2549 2576 2512 2499 2721 6011 7366 9419
Adjusted Earnings Per Share 11.7 8.8 10.2 10.9 21.9 22.1 21.6 19.7 20.1 32.1 39.2 36.4

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 19% 28% 19% 16%
Operating Profit CAGR 20% 28% 18% 15%
PAT CAGR 23% 44% 24% 18%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 18% 33% 18% 8%
ROE Average 16% 15% 14% 15%
ROCE Average 11% 11% 11% 12%

Shriram Finance Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 8510 9266 10175 11332 13690 15963 18142 21717 26094 43513 48947
Minority's Interest 0 0 0 0 0 0 0 0 0 287 730
Borrowings 23962 32856 30269 33699 76932 82966 92316 105479 114013 163724 189910
Current Liability 19262 19444 26503 27736 11062 6275 4652 2364 2544 8340 14138
Other Liabilities & Provisions 4495 5077 6059 7298 2459 3052 3082 4883 5019 5961 8271
Total Liabilities 56229 66642 73006 80064 104144 108256 118192 134443 147669 221825 261996
Loans 23607 32323 42850 47131 90746 96751 102232 108303 116665 178685 218696
Investments 400 824 1223 1468 2456 4126 2936 3347 6971 7430 9472
Fixed Assets 155 154 152 134 120 145 487 435 416 3711 3717
Other Loans 2704 2716 2528 2614 2605 3121 3286 5485 5957 8550 11849
Other Non Current Assets 32 27 11 5 20 16 7 5 5 154 123
Current Assets 29331 30598 26242 28713 8196 4095 9243 16866 17653 23292 18138
Total Assets 56229 66642 73006 80064 104144 108256 118192 134443 147669 221825 261996

Shriram Finance Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 4502 5345 3526 805 1132 1091 1029 3089 11051 10662 9933
Cash Flow from Operating Activities -4055 -9611 -5507 -2677 -13142 -5535 -2464 -4239 -8859 -17625 -31101
Cash Flow from Investing Activities -112 -45 -36 -1 91 -76 -55 -25 -34 -193 -258
Cash Flow from Financing Activities 5010 7836 2822 3017 13014 5550 4579 12226 8505 11820 27609
Net Cash Inflow / Outflow 843 -1819 -2721 338 -37 -62 2060 7962 -388 -5999 -3750
Closing Cash & Cash Equivalent 5345 3526 805 1143 1091 1029 3089 11051 10662 9933 6182

Shriram Finance Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 11.66 8.83 10.17 10.87 21.89 22.12 21.58 19.75 20.12 32.11 39.2
CEPS(Rs) 11.94 9.2 10.49 11.17 22.19 22.39 22.7 20.74 21.02 35.32 42.46
DPS(Rs) 1.36 1.95 1.95 1.95 2.14 2.34 0.97 3.6 4 7 9
Book NAV/Share(Rs) 72.86 79.38 87.31 97.3 117.58 137.1 155.82 171.64 192.92 231.35 260.12
Net Profit Margin 16.02 11.21 11.43 11.61 18.91 16.51 15.11 14.28 14.06 19.72 20.32
Operating Margin 73.19 69.25 66.39 65.64 76.57 73.05 71 71 69.21 69.59 70.28
PBT Margin 23.25 17.97 17.27 17.78 28.93 24.33 20.77 18.82 18.43 26.95 27.38
ROA(%) 2.54 1.67 1.7 1.65 2.76 2.41 2.21 1.97 1.92 3.25 3.06
ROE(%) 17.19 11.6 12.2 11.78 20.36 17.29 14.67 12.48 11.33 17.32 16.03
ROCE(%) 14.13 12.33 11.87 11.51 12.87 11.36 10.86 10.29 9.93 12.18 11.31
Price/Earnings(x) 12.75 24.58 18.28 19.32 12.82 11.22 5.99 14.4 11.28 7.85 12.04
Price/Book(x) 2.04 2.74 2.13 2.16 2.39 1.81 0.83 1.66 1.18 1.09 1.81
Dividend Yield(%) 0.92 0.9 1.05 0.93 0.76 0.94 0.75 1.27 1.76 2.78 1.91
EV/Net Sales(x) 5.76 7.32 6.67 6.7 8.25 7.27 6.17 7.22 6.69 6.4 7.5
EV/Core EBITDA(x) 7.83 10.5 9.99 10.16 10.87 9.91 8.58 10.05 9.57 8.94 10.44
Interest Earned Growth(%) 20.83 8.27 12.88 5.25 23.52 15.31 6.61 5.22 10.53 58.28 19.37
Net Profit Growth -7.24 -24.26 15.09 6.93 101.2 0.69 -2.42 -0.58 8.87 122 22.95
EPS Growth(%) -7.22 -24.26 15.09 6.93 101.4 1.05 -2.46 -8.47 1.87 59.6 22.1
Interest Coverage(x) % 1.47 1.35 1.35 1.37 1.61 1.5 1.41 1.36 1.36 1.63 1.64

Shriram Finance Shareholding Pattern

# Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Promoter 29.37 25.29 25.51 25.48 25.45 25.43 25.42 25.41 25.4 25.4
FII 50.64 45.55 49.78 55.36 54.67 53.96 53.89 54.26 53.27 53.06
DII 14.52 11.13 11.74 14.66 15.17 15.78 15.69 15.26 16.24 15.96
Public 5.47 18.03 12.97 4.5 4.71 4.83 5 5.07 5.09 5.58
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 23% 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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