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Shriram Finance Ltd (SHRIRAMFIN)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511218 NSE: SHRIRAMFIN Finance - NBFC | Large Cap | Shriram Finance Share Price

₹993.10 -0.15 (-0.02%)

As on 23-Jun'26 16:59

Shriram Finance Ltd (SHRIRAMFIN)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511218 NSE: SHRIRAMFIN Finance - NBFC | Large Cap | Shriram Finance Share Price

₹993.10 -0.15 (-0.02%)

As on 23-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹2,33,668 Cr.
Current Price
₹993.1
52-Week Low / High
₹566 / 1,108
TTM EPS
₹42.6
Book Value per Share
₹448.5
P/E Ratio
23.31
Higher than its 5-year historical median
Industry PE
27.6
Price to Book (P/B)
2.21
Higher than its 5-year historical median
EV/EBITDA
13.39
Higher than its 5-year historical median
Dividend Yield
1.09%
Profitability Efficiency
Return on Equity (ROE)
16.36%
Return on Capital Employed (ROCE)
11.49%
Return on Assets (ROA)
3.29%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
13.89%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
16.71%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹48,133 Cr.
Reserves
₹1,05,046 Cr.
Equity
₹470.6 Cr.
Face Value
₹2
All Time Low / High
₹0.48 / 1108.00

Shriram Finance stock performance

Key Ratios
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Quality

Very Good
Check detailed performance

Valuation

Somewhat Overvalued

Check Valuation charts

Price Trend

Semi Strong
Check Price chart
Q.1 Is Shriram Finance Ltd a good quality company?
Shriram Finance Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does Shriram Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Shriram Finance Ltd vs Industry Peers?
Shriram Finance Ltd AUM CAGR is 19.67%, compared to the 5-year industry median CAGR of 23.24%, indicating slower growth and losing its market share.
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Q.1 Promoter shareholding and pledge status of Shriram Finance Ltd?
Promoters hold 25.38% of the Shriram Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Shriram Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 16% based on the current price.
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DeciZen - make an informed investing decision on Shriram Finance

Decision Maker
Consolidated basis

1. Right Stock

10 Year X-ray Pro
Long Term Prospect

2. Right Price

Right Price
Price Chart

3. Right Time ⓘ

Right Price
#Likely Future 5 Year CAGR.

10 Year X-Ray :

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 Finance Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good
Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Operating Income (₹ Cr.)10,90313,46715,52916,55517,42019,25530,47734,96441,83448,13348,133
YoY Gr. Rt. %-23.5%15.3%6.6%5.2%10.5%58.3%14.7%19.7%15.1%-
Adj EPS (₹ ) 10.921.922.121.619.820.132.139.250.853.342.6
YoY Gr. Rt. %-101.4%1.1%-2.4%-8.5%1.9%59.6%22.1%29.6%4.9%-
BVPS (₹ )97.3117.6137.1155.8171.6192.9231.4260.1300.1350.2448.5
YoY Gr. Rt. %-20.8%16.6%13.7%10.2%12.4%19.9%12.4%15.4%16.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)1.72.82.42.221.93.33.13.53.30

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income17.9%22.5%16.5%15.1%
Adj EPS19.3%22%18.4%4.9%
BVPS15.3%15.3%14.8%16.7%
Share Price 16.1% 29.5% 43.8% 47%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)2.62.72.83.14.200000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 16.916.920.32222.500000-
Margins
Net Profit Margin (%)11.618.916.515.114.314.119.720.622.520.820.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)11.820.417.314.712.511.317.315.617.916.49.5

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Income + 10,90413,52915,63216,57617,44619,28030,50935,00341,85948,199
Interest Income10,90313,46715,52916,55517,42019,25530,47734,96441,83448,133
Other Income ⓘ 2,4901,8182,5662,9083,2324,0004,3624,7275,5715,720
Exceptional Items ⓘ 26210321262533382566
Expenditure ⓘ + 8,9669,75711,85413,13814,16815,73122,29625,31930,91034,899
Interest Expense ⓘ 5,2196,4167,5668,3159,0919,77712,99614,87618,53221,594
Operating Expenses ⓘ 1,2581,5241,7221,9151,8461,9544,9385,7166,8077,584
Provisions 2,4901,8182,5662,9083,2324,0004,3624,7275,5715,720
Exceptional Items ⓘ 01230000001,5540
Profit Before Tax ⓘ 1,9383,8963,7783,4393,2783,5498,2149,68412,50313,300
Taxes ⓘ 6721,3491,2149377918412,2022,4933,0803,296
Profit After Tax 1,2662,5462,5642,5022,4872,7086,0117,1909,42310,004
Adjusted EPS (₹)10.921.922.121.619.820.132.139.250.853.3
Dividend Payout Ratio (%)17.90%9.80%10.60%4.50%18.20%19.90%21.80%23%19.50%20.30%

Valuation of Shriram Finance - Consolidated

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Equity Capital +11,33213,69015,96318,14221,71726,09443,51348,94756,47065,919
Share Capital ⓘ 227227227227253271374376376376
Reserves ⓘ 11,10513,46315,73617,91521,46425,82443,13848,57156,09465,542
Short term borrowings4,9545,1994,9482,05671748447864,30065,07476,799
Long Term Borrowings40,99679,39186,01895,3981,10,3621,19,0311,69,6851,28,9551,66,5401,70,651
Current Liabilities 27,73611,0626,2754,6522,3642,5448,34066,56567,29380,541
Trade Payables172220133144153166313246299332
Other Liabilities-5,126-5,419-5,082-2,200-869-650-791-64,546-65,373-77,131
Total Liabilities ⓘ 80,0651,04,1441,08,2561,18,1921,34,4431,47,6692,21,8252,45,1972,90,3033,17,111

Assets

Non Current Asset +51,34895,9491,04,1611,08,9491,17,5771,30,1051,98,5332,32,1522,59,9863,02,455
Loan Asset 47,13190,74696,7511,02,2321,08,3031,16,6651,78,6852,18,6962,45,3932,82,452
Other Non Current Asset ⓘ 4,2185,2037,4106,7179,27413,44019,84813,45614,59320,003
Current Asset +28,7138,1964,0959,24316,86617,56423,29213,04530,31714,655
Current Investment520000001,4395,2021,750
Other Current Asset28,6618,1964,0959,24316,86617,56423,29211,60525,11512,905
Total Assets ⓘ 80,0651,04,1441,08,2561,18,1921,34,4431,47,6692,21,8252,45,1972,90,3033,17,111

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity ⓘ -2,677-13,142-5,535-2,464-4,239-8,859-17,625-31,118-43,652-13,281
Cash Flow From Investing Activity ⓘ -191-76-55-25-34-193-2583,661-243
Cash Flow From Financing Activity ⓘ 3,01713,0145,5504,57912,2268,50511,82027,62644,5218,587
Net Cash Flow ⓘ 338-37-622,0607,962-388-5,999-3,7504,530-4,937

Financial Ratio

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios
EPS (₹)55.80112.40113.50110.7098.70100.60160.5019650.8053.30
DPS (₹)1011125182035459.9010.80
BVPS (₹)499.3603.4703.6799.6858.2964.61156.81300.6300.1350.2

Performance Ratios

ROA (%)1.72.82.42.22.01.93.33.13.53.3
ROE (%)11.820.417.314.712.511.317.315.617.916.4
ROCE (%)11.512.911.410.910.39.912.210.911.611.5

Valuation Parameters

Price/Book(x)2.22.41.80.81.71.21.11.82.22.5

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

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

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Shriram Finance Ltd FAQs

The current trading price of Shriram Finance on 23-Jun-2026 16:59 is ₹993.1.

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 22-Jun-2026 the market cap of Shriram Finance stood at ₹2,33,668 Cr

The latest P/E ratio of Shriram Finance as of 22-Jun-2026 is 23.37.

The latest P/B ratio of Shriram Finance as of 22-Jun-2026 is 2.22.

The 52-week high of Shriram Finance is ₹1,108 and the 52-week low is ₹566.4.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Shriram Finance is ₹48,118 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that Shriram Finance Ltd is a good quality company.

The key valuation ratios of Shriram Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Shriram Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About Shriram Finance Ltd

Shriram Transport Finance Company (STFC) is the flagship company of the Shriram group which has significant presence in in financial services viz., commercial vehicle financing business, consumer finance, life and general insurance, stock broking, chit funds and distribution of financial products such as life and general insurance products and units of mutual funds. The Company was incorporated in the year 1979 and is registered as a Deposit taking NBFC with Reserve Bank of India under section 451A of the Reserve Bank of India Act, 1934. STFC decided to finance the much neglected Small Truck Owner. Shriram understood the power of 'Aspiration' much before marketing based on 'Aspiration' became fashionable. Shriram started lending to the Small Truck Owner to buy new trucks. But it found a mismatch between the Aspiration and Ability.

Business area of the company

The company is one of the largest asset financing NBFC in the country and holistic finance provider for the commercial vehicle industry and seeks to partner small truck owners for every possible need related to their assets.

Products

  • Commercial vehicle loans
  • Business loans
  • Deposits
  • Working Capital loans
  • Life insurance
  • Emergency credit line guarantee scheme (ECLGS)

Awards

  • 2012: Shriram Transport Finance Company wins CNBC TV18 Best Bank and Financial Institution Awards
  • 2012: Shriram Transport Finance Company Ltd wins the ICAI Awards for Financial Reporting'
  • 2017- Shriram Transport Finance Company selected Asia's most Promising Brand 2017

Milestones

  • 1979: STFC was established.
  • 1984: Initial public offering.
  • 1990: Investment from Telco & Ashok Leyland.
  • 1999: Tied up with Citi Group for CV financing under portfolio management services.
  • 1999: the 1st securitization transaction by STFC.
  • 2002-04: Preferential allotment of Citi Finance (India).
  • 2002-04: Preferential allotment to Axis Bank and Reliance Capital.
  • 2005-06: Investment from ChrysCapital.
  • 2005-06: Investment from TPG.
  • 2005-06: Merger of Shriram Investment Ltd. and Shriram Overseas Finance Ltd. with STFC; PAT crosses Rs 1,000 million.
  • 2009: Successfully placed Rs 10 billion of NCD with domestic investors.
  • 2009: Purchased hypothecation loan outstanding of commercial vehicle and construction of GE Capital Services India and GE Capital Finance Services (GE) aggregating to around Rs 11 billion.
  • 2010: Securitised Rs 87.57 billion during FY 2010.
  • 2010: Successfully raise Rs 5.84 billion through QIP with domestic & international investors. Initiated financing of construction equipment.
  • 2011: Introduced Shriram Automalls - a dedicated platform for trading of pre-owned trucks at a fair value.
  • 2013: AUM crosses Rs 500 billion.
  • 2015: India Ratings & Research Long-Term rating upgraded to ‘AA+’.
  • 2015: CRISIL upgraded long-term debt rating to ‘AA+/FAAA/Stable’.
  • 2017: Successfully raised Rs 13.5 billion through issuance of ‘Masala Bonds’ Senior Secured Rupee Denominated Bonds listed on Singapore Stock Exchange.
  • 2018: AUM crosses Rs 1000 billion
  • 2019: Raised $500 million on through offshore bonds.
  • 2019: Within months, global investors reposed faith on the company showing the company’s robust credit fundamentals.
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