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Shriram City Union Finance Ltd Stock Analysis

Mid Cap
Evaluated by 1393 users | BSE: 532498 | NSE: SHRIRAMCIT |
Finance - NBFC

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,...

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10YEAR X-RAY

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
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'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Operating Income (Rs. Cr.)1,3212,0373,0713,1913,4823,8354,4325,1575,7825,885
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
48.5765.4181.1387.9184.6880.3684.32107.77149.85151.59
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
240.87313.52397.88488.3621.9684.03762.29841.88968.411,092.02
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 (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)2.973.073.13.193.252.732.452.633.23.02
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 Income18.1%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 10.4% -0.8% -12.3% 126%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'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 (%)0000000000
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 (%)0000000000
Margins
Net Profit Margin (%) 18.2216.8114.6416.3316.0313.8112.5513.7917.117
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 (%) 22.1724.1623.3820.4415.9612.3111.6613.4416.5614.72
shareholding patterns

Shareholding Pattern

Entity Percentage Holding
Promoters 34.63%
Institutions 32.00%
Non-Institutions 33.36%
shareholding patterns

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
shareholding patterns

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 -0.8% 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 10.9% annually over the past ten years.

shareholding patterns

About Company

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

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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

  • Two Wheeler Loan
  • Business Loan
  • Gold Loan
  • Fixed Deposit
  • Recurring Deposit
  • Home Loan

Milestones and achievements

  • 1986: Shriram City Incorporated
  • 2002: Begins small ticket retail financing foray
  • 2003: Listed on the Bombay Stock Exchange
  • 2005: Listed on the National Stock Exchange; expands loan products and geographies
  • 2006: Launches Small Enterprise Finance. 1st Preferential Allotment to Private Equity Investors at the rate of Rs 160 per share
  • 2007: Introduces Loan against Gold
  • 2008: 2nd Preferential Allotment to Private Equity Investors at Rs 400 per share
  • 2010: Net Worth reaches `1,000 Crores; launches Housing Finance subsidiary
  • 2011: Completes 25 years in business; launches a maiden debt public issue. Shriram Housing Finance Ltd. attracts Private Equity Investment
  • 2012: Successfully launches follow-on debt public issue. Shriram Housing commences lending operations. Shriram City is rated India’s largest Small Enterprise Finance Company in the Small Loans segment by Frost and Sullivan
  • 2013: Social Audit Report generated and released by the then Hon’ble Finance Minister of India. Report shows how the community of Shriram City’s customers have benefited by the Company’s manner of doing business.
  • 2015: CFO of the Company wins the ‘Best Performing CFO in the NBFC Sector’ award from the TV Channel CNBC TV18
  • 2016: Shriram City becomes the largest financier of two wheelers in the country, based on volume
  • 2016-17: Income from Operations grew by 15.6% to Rs 4432 crore from Rs 3835 crore in 2015-16
  • 2016-17: Assets under Management increased by 18.2% to Rs 23132 Crores from Rs 19576 crore in 2015-16
  • 2016-17: Net Owned Funds increased by 11.5% to Rs 5025 crore from Rs 4505 crore in 2015-16
  • 2018-19: Digitally enabled and well positioned to exploit multiple growth opportunities
  • 2018-19: Focus on credit quality and collections
  • 2018-19: Differentiated product offering with high entry barriers
  • 2019-20: Increased focus on secured business to fulfill the rising demand for collateral backed receivables
  • 2019-20: Allocated more funding to the two-wheeler segment
  • 2019-20: Opted for the lower corporate tax rate
  • 2019-20: Expanded reach across the country by leveraging existing branch network
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Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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