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BSE: 532498 | NSE: SHRIRAMCIT | Finance - NBFC | Small Cap
1. Is a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that Shriram City Union Finance Ltd. - (Amalgamated) is a good quality company.
2. Is undervalued or overvalued?
The key valuation ratios of Shriram City Union Finance Ltd. - (Amalgamated)'s currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
3. Is a good buy now?
No data found
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 | 7,060 | |
| 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 | 189.2 | |
| 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 | 1,455 | |
| 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 | 6.2% | -3.5% | 40.6% | 15.7% | ||||||||
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 | |
No data to display
Return on Equity has declined versus last 3 years average to %
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 189.2 | 203.5 |
| TTM Sales (₹ Cr.) | 7,060 | 7,690 |
| BVPS (₹.) ⓘ | 1,455 | 1,509.2 |
| Reserves (₹ Cr.) ⓘ | 9,687 | 10,050 |
| P/BV ⓘ | 1.32 | 1.27 |
| PE ⓘ | 10.17 | 9.45 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 1564.50 / 2043.40 |
| All Time Low / High (₹) | 13.00 / 2650.00 |
| Market Cap (₹ Cr.) | 12,895 |
| Equity (₹ Cr.) | 67 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 19 |
| 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
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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