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BSE: 532498 | NSE: SHRIRAMCIT | Finance - NBFC | Mid Cap
1. Is Shriram City Union Finance Ltd a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Shriram City Union Finance Ltd is a below average quality company.
2. Is Shriram City Union Finance Ltd undervalued or overvalued?
The key valuation ratios of Shriram City Union Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
3. Is Shriram City Union Finance Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Shriram City Union Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 3,071 | 3,191 | 3,482 | 3,835 | 4,432 | 5,157 | 5,782 | 5,885 | 5,731 | 6,527 | 6,674 | |
| YoY Gr. Rt. % | - | 3.9% | 9.1% | 10.1% | 15.6% | 16.4% | 12.1% | 1.8% | -2.6% | 13.9% | - | |
| Adj EPS (₹ ) | 81.1 | 87.9 | 84.7 | 80.4 | 84.3 | 107.8 | 149.9 | 151.6 | 153.2 | 163 | 179.8 | |
| YoY Gr. Rt. % | - | 8.4% | -3.7% | -5.1% | 4.9% | 27.8% | 39.1% | 1.2% | 1% | 6.4% | - | |
| BVPS (₹ ) | 396.2 | 485.8 | 620.8 | 683.6 | 762.3 | 841.7 | 967.8 | 1,092 | 1,227.2 | 1,334.1 | 1,379.7 | |
| YoY Gr. Rt. % | - | 22.6% | 27.8% | 10.1% | 11.5% | 10.4% | 15% | 12.8% | 12.4% | 8.7% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 3.1 | 3.2 | 3.3 | 2.7 | 2.5 | 2.6 | 3.2 | 3 | 2.8 | 2.7 | 0 | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | 8.7% | 8.1% | 4.1% | 13.9% | ||||||||
| Adj EPS | 8.1% | 14.1% | 2.9% | 6.4% | ||||||||
| BVPS | 14.4% | 11.8% | 11.3% | 8.7% | ||||||||
| Share Price | 10.3% | -2.5% | 10.5% | -3.4% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | |
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 14.6 | 16.3 | 16 | 13.8 | 12.6 | 13.8 | 17.1 | 17 | 17.6 | 16.6 | 18 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 23.5 | 20.5 | 16 | 12.3 | 11.7 | 13.4 | 16.6 | 14.7 | 13.2 | 12.8 | 13 | |
Total Income has increased 4.12 CAGR in last 3 years
Net Profit has increased 2.85 CAGR in last 3 years
Total income growth is good in last 4 quarters
Return on Equity has declined versus last 3 years average to 13.20%
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 179.8 | 192.1 |
| TTM Sales (₹ Cr.) | 6,674 | 7,244 |
| BVPS (₹.) ⓘ | 1,379.7 | 1,429.8 |
| Reserves (₹ Cr.) ⓘ | 9,150 | 9,485 |
| P/BV ⓘ | 1.37 | 1.31 |
| PE ⓘ | 10.51 | 9.73 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 1402.00 / 2600.00 |
| All Time Low / High (₹) | 13.00 / 2650.00 |
| Market Cap (₹ Cr.) | 12,621 |
| Equity (₹ Cr.) | 66.8 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 29.9 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Shriram City, incorporated in the year 1986, is prominent in the retail financing space, and among the largest financiers of MSMEs and Two Wheelers in the country. It also offers multiple loan products for acquiring assets such as commercial vehicles, passenger vehicles and home loans. In addition, it offers loan against gold ornaments and for personal consumption. A deposit-accepting NBFC, Shriram City is a part of Shriram Group which is in the forty-fifth year of its existence. The Company has an all-India presence with many branches. Shriram City Union Finance (the Company) is a public limited company domiciled in India and incorporated under the provisions of the Companies Act, 1956. Its shares are listed on Bombay Stock Exchange (BSE) & National Stock Exchange (NSE).
Business area of the company
The Company is primarily engaged in the business of financing small and medium enterprises, dispensing loans for acquiring two-wheelers (both new and pre-owned), pre-owned cars, commercial vehicles and loan against pledged jewels. It also provides personal loans. The Company is a Deposit Accepting Non- Banking Finance Company (NBFC) registered as a Loan Company with the Reserve Bank of India (RBI) and Ministry of Corporate Affairs.
Products
Milestones and achievements
