What is CAGR? What does CAGR table indicate for Shriram City Union Finance Ltd?

Compounded average growth rate (CAGR) measures the average annual growth rate compounded year-on-year over a period of time.

Shriram City Union Finance Ltd Stock Analysis

Q: Is Shriram City Union Finance Ltd a good quality company?

MoneyWorks4Me analysed the past 10-year performance of Shriram City Union Finance Ltd and arrived at the following conclusion.

Q: Is the current market price of Shriram City Union Finance Ltd a good price to buy it?

The 5-year analysis of Shriram City Union Finance Ltd's performance infers.

Q: What is Shriram City Union Finance Ltd share price return in the past 10 years?

We analysed the performance of Shriram City Union Finance Ltd share prices over the last 10 years. Here is what we found out:

Mid Cap

Evaluated by 1327 users | BSE: 532498 | NSE: SHRIRAMCIT |
Finance - NBFC

Shriram City Union Finance (SHRIRAM CITY) was established in 1986, and is part of the three decade-old Chennai-based Shriram Group. The company started as a deposit-accepting non-banking financial company (NBFC) and is Indiaâ€™s premier financial services company today, specializing in...

10 Year X-Ray

Standalone basis Standalone basis P Consolidated basis P

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

What is a Financial Track Record? How to read this chart in order to understand the data present here?

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.

Shriram City Union Finance Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good

	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20
Operating Income (Rs. Cr.)	1,321	2,037	3,071	3,191	3,482	3,835	4,432	5,157	5,782	5,885
Y-o-Y Gr. Rt.	-	54.3%	50.8%	3.9%	9.1%	10.1%	15.6%	16.4%	12.1%	1.8%
Adjusted EPS (Rs.) Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items	48.57	65.41	81.13	87.91	84.68	80.36	84.32	107.77	149.85	151.59
Y-o-Y Gr. Rt.	-	34.7%	24%	8.4%	-3.7%	-5.1%	4.9%	27.8%	39.1%	1.2%
Book Value per Share (Rs.) The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share	240.87	313.52	397.88	488.3	621.9	684.03	762.29	841.88	968.41	1,092.02
Y-o-Y Gr. Rt.	-	30.2%	26.9%	22.7%	27.4%	10%	11.4%	10.4%	15%	12.8%

To view Net Profit/Total Funds (%) Colour Rating Guide click here

Net Profit/Total Funds (%)

2.97

3.07

3.1

3.19

3.25

2.73

2.45

2.63

3.2

3.02

Difference between Standalone Basis and Consolidated basis? Which method is preferred for Shriram City Union Finance Ltd. ?

Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.

Shriram City Union Finance Ltd. should be analysed on a Standalone basis

CAGR CAGR Colour Code Guide

	9 yrs	5 yrs	3 yrs	1 yr
Operating Income	18.1%	11.1%	9.9%	1.8%
Adjusted EPS Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.	13.5%	12.4%	21.6%	1.2%
Book Value per Share	18.3%	11.9%	12.7%	12.8%
Share Price	8.6%	-8.4%	-19.2%	-21.6%

Key Financial Ratios

RATIOS \ YEARS	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here Asset Quality Ratio: Colour Rating Guide <0.5 : Very Good 0.5-1 : Somewhat Good >1 : Not Good
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 Capitalization Ratio: Colour Rating Guide >17% : Very Good 15%-17% : Somewhat Good <15% : Not Good
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0
Margins
Net Profit Margin (%)	18.22	16.81	14.64	16.33	16.03	13.81	12.55	13.79	17.1	17
Performance Ratios To view Performance Ratios Colour Rating Guide click here Performance Ratios: Colour Rating Guide >15 : Very Good 12-15 : Somewhat Good <12 : Not Good
Return on Equity (%)	22.17	24.16	23.38	20.44	15.96	12.31	11.66	13.44	16.56	14.72

Management X-Ray

Shareholding Pattern

Entity	Percentage Holding
Promoters	34.56%
Institutions	62.93%
Non-Institutions	2.50%

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

FAQs

1. Is Shriram City Union Finance Ltd a good quality company?

MoneyWorks4Me analysed the past 10-year performance of Shriram City Union Finance Ltd and arrived at the following conclusion:

Past 10 year's financial track record indicates that Shriram City Union Finance Ltd is a good quality company. However, for specific investment actions please connect with your investment advisor.

2. Is current market price of Shriram City Union Finance Ltd a good price to buy it?

The 5-year analysis of Shriram City Union Finance Ltd's performance infers:

Shriram City Union Finance Ltd earnings have grown by 12.4%, whereas share price has depreciated -8.4% CAGR over the past five years, indicating the company's share price is likely undervalued. However, for specific investment actions please connect with your investment advisor.

3. What is Shriram City Union Finance Ltd share price return in the past 10 years ?

We analysed the performance of Shriram City Union Finance Ltd share prices over the last 10 years. Here is what we found out:

Shriram City Union Finance Ltd share price has depreciated 4.9% annually over the past ten years.

About Company

The Chennai-based Shriram group has an enviable business heritage spanning over three decades. It has emerged as the largest player in its class on the Indian sub-continent. Specifically focusing on commercial vehicle loans, consumer durables financing and chit funds, the group's annual turnover crosses Rs. 18,000 crore. The Shriram groupâ€™s business presence also expands to Insurance Consultancy, Life Insurance, Re-insurance, Stock Broking, Information Technology, Pharmaceuticals, Property Development, Project Engineering, Packaging and manufacturing of Auto Components.

SHRIRAM CITY has a comprehensive range of offerings comprising financing for Consumer Durables, 2, 3 & 4-wheeler finance (both new & pre-owned, passenger & commercial), Personal Loans, Small Business Loans and Retail Gold Loans. This has made SHRIRAM CITY a dominant player in the field and the only NBFC offering a wide product range under one roof.

The company has over 633 Business Outlets across the country, SHRIRAM CITY enjoys a high credit rating, as well as listing on the BSE, NSE & Madras Stock Exchanges.

The company lends around Rs 300 crore a month in small-tickets of between Rs 8000 to Rs 1 lakh each, with tenors ranging from 12 to 36 months.

SHRIRAM CITY has serviced over 15 Lac customers till date and adds on an average 85,000 new customers every month.

Services offered by the company

Consumer Durable Finance- SHRIRAM CITY offers loans for a wide range of white goods and lifestyle products, viz. air-conditioners, computer systems, high-end TVs, audio & video systems, washing machines, refrigerators, microwave ovens, furniture, gym products. The company has tie-ups with major manufacturers/dealers and retail outlets at showrooms to enable easy access to products under finance.

Auto Finance- SHRIRAM CITY currently offers a variety of loans against new and pre-owned two wheelers, 3-wheelers, 4 wheelers (both passenger & commercial).

Personal Finance- SHRIRAM CITY offers quick finance at attractive interest rates with service at the customer's doorstep. Shriram City offers hassle-free, non-end use specific loans with minimum documentation.

Retail Gold Loans- Retail Gold loans are the latest addition to SHRIRAM CITY's product line. SHRIRAM CITY's Retail Gold loans offer on-the-spot finance at attractive rates of interest.

Small Business Loan- SHRIRAM CITY offers small business loans to self-employed professionals, wholesale/retail dealers, general merchants, builders, manufacturers, hotel/ catering services, tour operators, etc.

Achievements: