Shriram City Union Finance Ltd(Merged)

Shri.City Union. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Shriram City Union Finance Ltd(Merged)

₹ 1,922 -0.01%
28 Nov 2022
shriramcity.in BSE: 532498 NSE: SHRIRAMCIT
About

Shriram City Union Finance Ltd incorporated in 1986 is a deposit-accepting NBFC, Shriram City is a part of Shriram Group. Its primary line of business is MSMEs & two-wheeler financing. It also deals in Funding commercial vehicles, passenger vehicles, and home loans, loans against gold ornaments, and personal consumption. [1] [2]

Key Points

Strong presence in Rural Areas
The company has a strong presence in rural & semi-urban with 986 branches, customer base of 45.6 lacs with 27997 employees. [1] [2]
67% of the branches are located in the southern region, 18% in the west & 15% in the north region. [3]

Website BSE NSE
  • Market Cap ₹ 12,883 Cr.
  • Current Price ₹ 1,922
  • High / Low ₹ /
  • Stock P/E 9.44
  • Book Value ₹ 1,512
  • Dividend Yield 0.00 %
  • ROCE 10.8 %
  • ROE 13.0 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 8.48% over past five years.
  • Company has a low return on equity of 13.6% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
1,562 1,570 1,546 1,483 1,508 1,568 1,595 1,610 1,708 1,849 1,894 2,002 2,155
579 564 725 619 532 554 555 650 598 690 659 753 794
Operating Profit 983 1,006 821 864 976 1,013 1,040 960 1,110 1,159 1,235 1,249 1,362
OPM % 63% 64% 53% 58% 65% 65% 65% 60% 65% 63% 65% 62% 63%
2 1 2 4 4 3 2 1 1 1 1 1 1
Interest 575 565 594 581 568 575 617 644 686 719 764 756 828
Depreciation 22 23 22 22 22 22 21 21 22 22 21 21 22
Profit before tax 388 420 206 265 389 420 404 295 403 420 451 473 513
Tax % 21% 24% 27% 25% 29% 27% 26% 25% 25% 25% 27% 25% 25%
305 317 151 198 275 306 298 220 302 315 327 354 385
EPS in Rs 45.95 47.37 22.47 29.86 41.12 45.46 44.70 33.08 45.15 46.87 48.68 52.44 56.71
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
1,323 2,057 3,100 3,273 3,606 4,002 4,707 5,437 6,045 6,233 6,151 7,073 7,900
404 595 999 1,100 1,360 1,688 2,119 2,466 2,343 2,424 2,239 2,593 2,896
Operating Profit 919 1,461 2,101 2,172 2,247 2,315 2,588 2,971 3,702 3,809 3,912 4,480 5,005
OPM % 69% 71% 68% 66% 62% 58% 55% 55% 61% 61% 64% 63% 63%
0 0 0 6 6 17 2 2 2 6 10 4 5
Interest 551 929 1,410 1,352 1,343 1,445 1,657 1,791 2,125 2,319 2,357 2,829 3,067
Depreciation 7 14 25 30 44 38 36 35 34 90 87 86 86
Profit before tax 361 519 666 796 867 849 897 1,146 1,545 1,406 1,478 1,569 1,856
Tax % 33% 35% 32% 33% 34% 34% 35% 35% 35% 27% 27% 26%
241 338 449 535 575 559 585 749 1,006 1,033 1,078 1,165 1,381
EPS in Rs 48.60 64.52 81.13 89.74 86.71 83.77 87.72 112.21 151.78 154.94 161.14 172.94 204.70
Dividend Payout % 12% 10% 10% 11% 17% 18% 17% 16% 14% 4% 20% 21%
Compounded Sales Growth
10 Years: 13%
5 Years: 8%
3 Years: 5%
TTM: 22%
Compounded Profit Growth
10 Years: 13%
5 Years: 15%
3 Years: 5%
TTM: 23%
Stock Price CAGR
10 Years: 1%
5 Years: 7%
3 Years: 0%
1 Year: %
Return on Equity
10 Years: 14%
5 Years: 14%
3 Years: 14%
Last Year: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Sep 2022
Equity Capital 50 52 55 59 66 66 66 66 66 66 66 67 67
Reserves 1,163 1,678 2,234 2,940 4,150 4,583 5,122 5,668 6,518 7,358 8,322 9,212 10,045
7,328 9,622 12,729 12,049 12,764 15,262 18,430 22,878 24,290 25,095 28,746 34,541 37,284
776 1,292 1,432 1,519 1,676 2,163 2,679 484 544 762 707 707 748
Total Liabilities 9,316 12,645 16,450 16,568 18,656 22,073 26,297 29,096 31,418 33,280 37,841 44,526 48,144
29 53 90 103 83 87 83 88 91 251 240 251 279
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 3 3 24 474 836 714 638 667 921 723 924 1,309 1,834
9,283 12,588 16,336 15,991 17,737 21,272 25,575 28,340 30,406 32,306 36,677 42,965 46,031
Total Assets 9,316 12,645 16,450 16,568 18,656 22,073 26,297 29,096 31,418 33,280 37,841 44,526 48,144

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
-1,604 -2,832 -1,469 -147 -1,242 -1,587 -3,697 -3,373 -236 446 -1,951 -3,861
64 -236 -184 -82 -208 -108 -63 -17 -352 259 72 -134
2,386 2,014 2,463 -365 666 1,726 3,775 3,292 1,245 540 3,555 5,348
Net Cash Flow 846 -1,053 809 -594 -784 32 15 -98 657 1,245 1,676 1,353

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Debtor Days 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days 800 1,001 776 567 614 689 660 -21 -11 -12 -10 -4
ROCE % 13% 15% 16% 14% 14% 12% 12% 11% 12% 12% 11% 11%

Shareholding Pattern

Numbers in percentages

Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022
33.92% 33.92% 33.92% 34.56% 34.63% 34.63% 34.63% 34.60% 34.46% 34.61% 36.95% 36.86%
27.44% 27.37% 26.79% 47.40% 27.96% 28.47% 28.29% 28.76% 28.18% 28.16% 25.04% 26.95%
5.89% 5.95% 5.65% 15.53% 3.88% 3.53% 3.78% 3.84% 4.08% 4.01% 4.56% 6.06%
32.75% 32.76% 33.64% 2.50% 33.53% 33.36% 33.29% 32.80% 33.28% 33.22% 33.45% 30.13%
No. of Shareholders 8,1188,19014,78513,10813,84312,86016,77815,82829,40423,81321,05422,900

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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