Shriram Finance

₹666.4 15.4 | 2.4%

WEBSITE BSE:511218 NSE : SHRIRAM TRAN 20 Jun, 15:59

Market Cap ₹125317 Cr.

Stock P/E 17

P/B 2.2

Current Price ₹666.4

Book Value ₹ 300.3

Face Value 2

52W High ₹730.4

Dividend Yield 1.49%

52W Low ₹ 493.6

Edit Ratio

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.

Shriram Finance Share Price

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Peer Comparison

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 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	41847
Other Income	4	3	3	2	62	103	21	26	25	33	39	25
Total Income	8480	9180	10362	10904	13529	15632	16576	17446	19280	30509	36418	41872
Total Expenditure	2244	2781	3447	3713	3305	4245	4681	4940	5818	8699	10264	11823
Operating Profit	6236	6398	6915	7192	10225	11387	11895	12506	13462	21810	26154	30049
Interest Expense	4233	4706	5088	5219	6416	7566	8315	9091	9777	12996	15606	18454
Depreciation	33	43	38	35	37	43	141	137	135	601	588	645
Profit Before Tax	1970	1650	1789	1938	3896	3778	3439	3278	3549	8214	9960	12504
Provision for Tax	613	621	606	672	1349	1214	937	791	841	2202	2569	3080
Profit After Tax	1358	1028	1184	1266	2546	2564	2502	2487	2708	6011	7391	9423
Adjustments	0	0	0	0	3	12	10	12	13	-0	-25	130
Profit After Adjustments	1358	1028	1184	1266	2549	2576	2512	2499	2721	6011	7366	9554
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	37.1

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	19%	43%	38%	14%
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

#	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

#	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Promoter	9.47	9.55	9.55	9.55	9.55	9.55	9.55	9.55	9.55	47.76
FII	17.06	18.64	20.75	20.52	20.27	20.25	20.4	20.03	19.95	100.69
DII	4.17	4.4	5.5	5.69	5.93	5.9	5.74	6.11	6	28.89
Public	6.75	4.86	1.69	1.77	1.81	1.88	1.91	1.91	2.1	10.7
Others	0	0	0	0	0	0	0	0	0	0
Total	37.44	37.44	37.48	37.53	37.56	37.58	37.59	37.6	37.61	188.04

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.