Shriram City Union Finance Ltd. - (Amalgamated) Stock Analysis

BSE: 532498 | NSE: SHRIRAMCIT | Finance - NBFC | Small Cap

BSE Share Price 28-Nov-2022 18:01
1923.55 0.00 (0.00%)

DeciZen - Make an Informed Decision on Shriram City Union

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Shriram City Union Price Chart

P/E Ratio ( SA) :
Market Cap :
12,894.9 Cr.
52-wk low :
52-wk high :
Bole Toh?

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

10 Year X-Ray of Shriram City Union:

Analysis of Financial Track Record

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

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. - (Amalgamated) has performed well in majority of the past ten years indicating its past ten year financial track record is very good
Operating Income (₹ Cr.)3,0713,1913,4823,8354,4325,1575,7825,8855,7316,5277,060
YoY Gr. Rt. %-3.9%9.1%10.1%15.6%16.4%12.1%1.8%-2.6%13.9%-
Adj EPS (₹ ) 81.187.984.780.484.3107.8149.9151.6153.2163189.2
YoY Gr. Rt. %-8.4%-3.7%-5.1%4.9%27.8%39.1%1.2%1%6.4%-
BVPS (₹ )396.2485.8620.8683.6762.3841.7967.81,0921,227.21,334.11,455
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 (%)


CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income8.7%8.1%4.1%13.9%
Adj EPS8.1%14.1%2.9%6.4%
Share Price 6.2% -3.5% 40.6% 15.7%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Net Profit Margin (%)14.616.31613.812.613.817.11717.616.618
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)23.520.51612.311.713.416.614.713.212.813

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - Shriram City Union Finance Ltd. - (Amalgamated)

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

Management X-Ray of Shriram City Union :

Shareholding Pattern

Promoter's Holding & Share Pledging

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

Event Update

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Analyst's Notes

Key Ratios of Shriram City Union

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)


Shriram City Union Finance Ltd. - (Amalgamated) FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Shriram City Union on 28-Nov-2022 18:01 is : 1,923.6.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 28-Nov-2022 18:01 the market cap of Shriram City Union stood at ₹ 12,894.9.
The latest PE ratio of Shriram City Union as of 28-Nov-2022 18:01 is 10.17.
The latest PB ratio of Shriram City Union as of 28-Nov-2022 18:01 is 1.32
The 52-week high of Shriram City Union is ₹ 2,043.4 and the 52-week low is ₹ 1,564.5.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of Shriram City Union is ₹ 7,060 ( Cr.) .

About Shriram City Union Finance Ltd. - (Amalgamated)

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.


  • 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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