Shriram Finance Ltd

Shriram Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Shriram Finance Ltd

₹ 1,004 -0.19%
23 Jan - close price
stfc.in BSE: 511218 NSE: SHRIRAMFIN
About

Business Overview
Shriram Transport Finance Company Ltd is a part of the SHRIRAM Group conglomerate which has a significant presence in the financing business. STFC is engaged in the business of commercial vehicle financing mainly focusing on trucks from preowned to new ones. It's a Deposit-taking NBFC comprising 1,758 branches, 831 rural centers, and partnerships with ~500 private financiers. [1]

Key Points

Overview
Shriram Finance is the flagship company of the Shriram group, which has a significant presence in Consumer Finance, Life Insurance, General Insurance, Housing Finance, Stock Broking, and Distribution businesses. It is one of India’s largest retail asset financing NBFCs with AUM of more than Rs 2.6 trillion. It has a vertically integrated business model and offers financing to passenger commercial vehicles, loans to MSMEs, tractors, gold, personal loans, and working capital loans, etc. [1]

Website BSE NSE
  • Market Cap ₹ 1,88,817 Cr.
  • Current Price ₹ 1,004
  • High / Low ₹ 1,026 / 508
  • Stock P/E 20.7
  • Book Value ₹ 321
  • Dividend Yield 0.99 %
  • ROCE 11.2 %
  • ROE 16.4 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 28.0% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 21.5%

Cons

  • Stock is trading at 3.13 times its book value
  • Company has low interest coverage ratio.

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of Nifty 50 BSE 500 BSE 100 BSE 200 BSE Dollex 200

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
7,609 7,756 8,003 8,556 8,922 9,484 9,592 10,090 10,698 11,454 11,536 11,908 12,166
Interest 3,118 3,242 3,488 3,622 3,707 3,988 4,129 4,350 4,751 5,224 5,401 5,525 5,259
2,052 2,273 2,141 2,454 2,634 2,712 2,648 2,836 3,033 3,293 3,061 3,107 3,396
Financing Profit 2,439 2,241 2,374 2,480 2,581 2,783 2,815 2,903 2,914 2,937 3,074 3,276 3,511
Financing Margin % 32% 29% 30% 29% 29% 29% 29% 29% 27% 26% 27% 28% 29%
3 13 5 9 5 14 5 7 1,664 6 6 9 26
Depreciation 58 358 132 137 147 153 153 159 162 171 173 174 177
Profit before tax 2,384 1,896 2,248 2,352 2,440 2,644 2,667 2,752 4,416 2,772 2,907 3,110 3,360
Tax % 25% 31% 25% 26% 25% 26% 26% 25% 19% 23% 26% 26% 25%
1,777 1,308 1,675 1,751 1,818 1,946 1,981 2,071 3,570 2,139 2,156 2,307 2,522
EPS in Rs 9.49 6.99 8.94 9.33 9.68 10.36 10.54 11.02 18.99 11.38 11.46 12.27 13.40
Gross NPA % 6.29% 6.21% 6.03% 5.79% 5.66% 5.45% 5.39% 5.32% 5.38% 4.55% 4.53% 4.57%
Net NPA % 3.20% 3.19% 2.96% 2.80% 2.72% 2.70% 2.71% 2.64% 2.68% 2.64% 2.57% 2.49%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
7,880 8,637 10,290 10,829 13,357 15,536 16,561 17,422 19,255 29,787 34,973 43,710 47,063
Interest 3,963 4,420 5,087 5,220 6,411 7,564 8,313 9,089 9,773 12,601 14,868 18,529 21,409
2,068 2,341 3,388 3,652 3,252 4,171 4,683 4,932 5,816 8,492 9,877 11,728 12,858
Financing Profit 1,849 1,876 1,814 1,956 3,693 3,801 3,565 3,402 3,666 8,694 10,228 13,453 12,797
Financing Margin % 23% 22% 18% 18% 28% 24% 22% 20% 19% 29% 29% 31% 27%
8 7 3 2 145 20 14 14 18 15 25 -201 47
Depreciation 29 41 36 34 36 43 141 137 135 524 569 645 695
Profit before tax 1,828 1,842 1,781 1,924 3,802 3,778 3,439 3,278 3,549 8,185 9,684 12,606 12,149
Tax % 31% 33% 34% 35% 35% 32% 27% 24% 24% 27% 26% 23%
1,264 1,238 1,178 1,257 2,461 2,564 2,502 2,487 2,708 5,979 7,190 9,761 9,124
EPS in Rs 9.99 9.78 9.31 9.94 19.45 20.26 19.77 17.62 20.02 31.94 38.27 51.91 48.51
Dividend Payout % 13% 18% 19% 18% 10% 11% 5% 18% 20% 22% 24% 19%
Compounded Sales Growth
10 Years: 18%
5 Years: 21%
3 Years: 31%
TTM: 18%
Compounded Profit Growth
10 Years: 21%
5 Years: 28%
3 Years: 47%
TTM: 9%
Stock Price CAGR
10 Years: 21%
5 Years: 33%
3 Years: 59%
1 Year: 90%
Return on Equity
10 Years: 15%
5 Years: 15%
3 Years: 16%
Last Year: 16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 227 227 227 227 227 227 227 253 271 374 376 376 376
Reserves 8,046 9,011 9,927 11,075 13,349 15,609 17,778 21,315 25,662 42,932 48,193 55,904 60,028
Borrowing 35,925 44,276 49,791 53,110 82,131 87,914 94,735 106,546 114,846 157,906 185,841 234,197 234,309
5,038 5,813 8,018 9,993 1,539 1,542 1,389 1,647 1,328 2,451 2,867 3,055 4,274
Total Liabilities 49,235 59,327 67,963 74,405 97,245 105,292 114,129 129,761 142,106 203,664 237,276 293,533 298,987
101 101 101 86 122 147 489 437 418 3,327 3,287 2,914 2,806
CWIP 0 0 0 0 0 0 0 0 0 66 0 0 0
Investments 2,725 3,327 1,356 1,547 2,341 3,999 2,798 3,198 6,809 8,565 10,657 15,599 13,284
46,410 55,899 66,506 72,772 94,782 101,146 110,841 126,126 134,879 191,706 223,332 275,020 282,897
Total Assets 49,235 59,327 67,963 74,405 97,245 105,292 114,129 129,761 142,106 203,664 237,276 293,533 298,987

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-3,778 -9,906 -7,906 -2,707 -13,160 -5,535 -2,464 -4,239 -8,859 -15,841 -27,670 -42,275
-67 -42 -20 -1 103 -76 -55 -25 -34 5,037 -238 3,678
4,688 8,124 5,241 3,046 13,017 5,550 4,579 12,226 8,505 9,647 24,416 43,265
Net Cash Flow 843 -1,824 -2,685 338 -40 -62 2,060 7,962 -388 -1,157 -3,492 4,668

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 16% 14% 12% 12% 19% 17% 15% 13% 11% 17% 16% 16%

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
25.51% 25.48% 25.45% 25.43% 25.42% 25.41% 25.40% 25.40% 25.39% 25.39% 25.39% 25.38%
49.78% 55.36% 54.67% 53.97% 53.90% 54.28% 53.29% 53.08% 53.58% 52.61% 49.61% 47.21%
11.74% 14.66% 15.17% 15.77% 15.69% 15.24% 16.21% 15.93% 15.34% 16.32% 18.65% 21.29%
12.96% 4.49% 4.71% 4.83% 5.00% 5.07% 5.07% 5.58% 5.68% 5.64% 6.34% 6.11%
No. of Shareholders 99,21292,22796,8731,07,2541,18,0311,26,5291,40,6801,81,3982,30,8212,53,5122,98,6082,98,475

* 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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