Shriram Finance Ltd

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

₹ 823 -2.13%
30 Oct - close price
shriramfinance.in BSE: 511218 NSE: SHRIRAMFIN F&O
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

Strategic Investment by MUFG Bank:[1]
In Apr 2026, the company completed a preferential allotment of 471.12 Mn equity
:shares to MUFG Bank at Rs. 840.93 per share, raising approximately Rs. 39,618 Cr. Following the transaction, MUFG acquired a 20% stake in the company on a fully diluted basis.

Website BSE NSE F&O
  • Market Cap ₹ 1,93,694 Cr.
  • Current Price ₹ 823
  • High / Low ₹ 1,154 / 758
  • Stock P/E 15.3
  • Book Value ₹ 473
  • Dividend Yield 1.31 %
  • ROCE 11.5 %
  • ROE 16.4 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 32.1% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 21.0%

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last 3 years: -5.15%

* 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

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
8,556 8,922 9,484 9,592 10,090 10,698 11,454 11,536 11,908 12,166 12,509 13,394 13,789
Interest 3,622 3,707 3,988 4,129 4,350 4,751 5,224 5,401 5,525 5,259 5,336 5,204 4,965
2,454 2,634 2,712 2,648 2,836 3,033 3,293 3,061 3,107 3,396 3,102 3,403 3,722
Financing Profit 2,480 2,581 2,783 2,815 2,903 2,914 2,937 3,074 3,276 3,511 4,071 4,786 5,102
Financing Margin % 29% 29% 29% 29% 29% 27% 26% 27% 28% 29% 33% 36% 37%
9 5 14 5 7 1,664 6 6 9 26 19 18 9
Depreciation 137 147 153 153 159 162 171 173 174 177 175 183 180
Profit before tax 2,352 2,440 2,644 2,667 2,752 4,416 2,772 2,907 3,110 3,360 3,915 4,622 4,932
Tax % 26% 25% 26% 26% 25% 19% 23% 26% 26% 25% 23% 25% 25%
1,751 1,818 1,946 1,981 2,071 3,570 2,139 2,156 2,307 2,522 3,014 3,445 3,677
EPS in Rs 9.33 9.68 10.36 10.54 11.02 18.99 11.38 11.46 12.27 13.40 16.02 14.64 15.63
Gross NPA % 5.79% 5.66% 5.45% 5.39% 5.32% 5.38% 4.55% 4.53% 4.57% 4.54% 4.58% 4.64% 4.65%
Net NPA % 2.80% 2.72% 2.70% 2.71% 2.64% 2.68% 2.64% 2.57% 2.49% 2.38% 2.33% 2.33% 2.31%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
8,637 10,290 10,829 13,357 15,536 16,561 17,422 19,255 29,787 34,973 43,710 48,120 51,858
Interest 4,420 5,087 5,220 6,411 7,564 8,313 9,089 9,773 12,601 14,868 18,529 21,585 20,764
2,341 3,388 3,652 3,252 4,171 4,683 4,932 5,816 8,492 9,877 11,728 12,597 13,623
Financing Profit 1,876 1,814 1,956 3,693 3,801 3,565 3,402 3,666 8,694 10,228 13,453 13,938 17,470
Financing Margin % 22% 18% 18% 28% 24% 22% 20% 19% 29% 29% 31% 29% 34%
7 3 2 145 20 14 14 18 15 25 -201 53 73
Depreciation 41 36 34 36 43 141 137 135 524 569 645 699 714
Profit before tax 1,842 1,781 1,924 3,802 3,778 3,439 3,278 3,549 8,185 9,684 12,606 13,292 16,830
Tax % 33% 34% 35% 35% 32% 27% 24% 24% 27% 26% 23% 25%
1,238 1,178 1,257 2,461 2,564 2,502 2,487 2,708 5,979 7,190 9,761 9,998 12,657
EPS in Rs 9.78 9.31 9.94 19.45 20.26 19.77 17.62 20.02 31.94 38.27 51.91 53.14 59.69
Dividend Payout % 18% 19% 18% 10% 11% 5% 18% 20% 22% 24% 19% 20%
Compounded Sales Growth
10 Years: 17%
5 Years: 23%
3 Years: 17%
TTM: 14%
Compounded Profit Growth
10 Years: 24%
5 Years: 32%
3 Years: 19%
TTM: 41%
Stock Price CAGR
10 Years: 15%
5 Years: 24%
3 Years: 29%
1 Year: 10%
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 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 227 227 227 227 227 227 253 271 374 376 376 376 471
Reserves 9,011 9,927 11,075 13,349 15,609 17,778 21,315 25,662 42,932 48,193 55,904 65,329 110,735
Borrowing 44,276 49,791 53,110 82,131 87,914 94,735 106,546 114,846 157,906 185,841 234,197 250,690 236,271
5,813 8,018 9,993 1,539 1,542 1,389 1,647 1,328 2,451 2,867 3,330 4,760 7,055
Total Liabilities 59,327 67,963 74,405 97,245 105,292 114,129 129,761 142,106 203,664 237,276 293,808 321,155 354,532
101 101 86 122 147 489 437 418 3,327 3,287 2,914 2,635 2,536
CWIP -0 -0 -0 -0 -0 -0 -0 -0 66 -0 -0 -0 -0
Investments 3,327 1,356 1,547 2,341 3,999 2,798 3,198 6,809 8,565 10,657 15,599 14,783 19,172
55,899 66,506 72,772 94,782 101,146 110,841 126,126 134,879 191,706 223,332 275,296 303,737 332,824
Total Assets 59,327 67,963 74,405 97,245 105,292 114,129 129,761 142,106 203,664 237,276 293,808 321,155 354,532

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-9,906 -7,906 -2,707 -13,160 -5,535 -2,464 -4,239 -8,859 -15,841 -27,670 -42,275 -12,981
-42 -20 -1 103 -76 -55 -25 -34 5,037 -238 3,678 -544
8,124 5,241 3,046 13,017 5,550 4,579 12,226 8,505 9,647 24,416 43,265 8,585
Net Cash Flow -1,824 -2,685 338 -40 -62 2,060 7,962 -388 -1,157 -3,492 4,668 -4,940
Free Cash Flow -9,948 -7,943 -2,724 -13,225 -5,611 -2,519 -4,264 -8,893 -16,021 -27,913 -42,526 -13,175

Ratios

Standalone / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 14% 12% 12% 19% 17% 15% 13% 11% 17% 16% 15% 16%

Insights

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Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
AUM - Commercial Vehicles
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Gross Stage 3 Assets
Rs mn
Number of Branches
count
Total AUM
Rs mn
Number of Customers
million
Number of Employees
count

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Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
25.43% 25.42% 25.41% 25.40% 25.40% 25.39% 25.39% 25.39% 25.38% 25.38% 20.30% 20.30%
53.97% 53.90% 54.28% 53.29% 53.08% 53.58% 52.61% 49.61% 47.21% 45.15% 54.75% 55.65%
15.77% 15.69% 15.24% 16.21% 15.93% 15.34% 16.32% 18.65% 21.29% 23.29% 19.90% 19.01%
4.83% 5.00% 5.07% 5.07% 5.58% 5.68% 5.64% 6.34% 6.11% 6.18% 5.03% 5.03%
No. of Shareholders 1,07,2541,18,0311,26,5291,40,6801,81,3982,30,8212,53,5122,98,6082,98,4753,34,7053,52,5503,62,958

* 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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