Shriram Finance Ltd

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

Shriram Finance Ltd

₹ 614 -2.64%
01 Aug - 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 ₹ 1,15,516 Cr.
  • Current Price ₹ 614
  • High / Low ₹ 730 / 493
  • Stock P/E 13.6
  • Book Value ₹ 300
  • Dividend Yield 1.61 %
  • ROCE 11.0 %
  • ROE 15.6 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 26.7% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 21.4%

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last 3 years: -3.91%

* 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 Nifty 500

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
7,133 7,583 7,795 7,966 8,003 8,555 8,922 9,484 9,605 10,090 10,698 11,454 11,536
Interest 3,026 3,305 3,241 3,361 3,488 3,622 3,707 3,988 4,129 4,350 4,751 5,224 5,401
2,233 2,108 2,082 2,341 2,141 2,454 2,634 2,712 2,661 2,836 3,033 3,293 3,062
Financing Profit 1,875 2,170 2,473 2,265 2,374 2,480 2,581 2,783 2,815 2,903 2,914 2,937 3,073
Financing Margin % 26% 29% 32% 28% 30% 29% 29% 29% 29% 29% 27% 26% 27%
5 11 3 13 41 47 59 87 54 86 1,574 6 6
Depreciation 56 57 61 427 132 137 147 153 153 159 162 171 173
Profit before tax 1,823 2,124 2,415 1,851 2,283 2,391 2,494 2,717 2,715 2,830 4,326 2,772 2,906
Tax % 26% 26% 25% 31% 25% 25% 25% 26% 25% 24% 25% 23% 26%
1,352 1,579 1,802 1,288 1,712 1,792 1,874 2,021 2,031 2,153 3,249 2,144 2,159
EPS in Rs 9.99 11.65 9.61 6.86 9.10 9.52 9.94 10.69 10.76 11.39 17.27 11.40 11.48
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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
8,476 9,177 10,359 10,903 13,502 15,536 16,561 17,422 19,255 30,492 34,973 43,941 43,778
Interest 4,233 4,706 5,088 5,219 6,409 7,564 8,313 9,089 9,773 12,987 14,868 18,529 19,726
2,244 2,781 3,447 3,712 3,288 4,171 4,683 4,932 5,816 8,706 9,877 12,279 12,225
Financing Profit 1,999 1,691 1,824 1,972 3,805 3,801 3,565 3,402 3,666 8,799 10,228 13,132 11,827
Financing Margin % 24% 18% 18% 18% 28% 24% 22% 20% 19% 29% 29% 30% 27%
4 2 3 1 127 20 14 14 18 16 225 157 1,672
Depreciation 33 43 38 35 37 43 141 137 135 601 569 645 665
Profit before tax 1,970 1,650 1,789 1,938 3,896 3,778 3,439 3,278 3,549 8,214 9,884 12,644 12,834
Tax % 31% 38% 34% 35% 35% 32% 27% 24% 24% 27% 25% 24%
1,358 1,028 1,184 1,266 2,549 2,576 2,512 2,499 2,721 6,020 7,399 9,576 9,705
EPS in Rs 10.73 8.13 9.35 10.00 20.14 20.36 19.86 17.71 20.12 32.11 39.20 50.81 51.54
Dividend Payout % 12% 22% 19% 7% 10% 11% 5% 18% 20% 22% 23% 19%
Compounded Sales Growth
10 Years: 17%
5 Years: 22%
3 Years: 32%
TTM: 20%
Compounded Profit Growth
10 Years: 23%
5 Years: 27%
3 Years: 44%
TTM: 14%
Stock Price CAGR
10 Years: 13%
5 Years: 36%
3 Years: 31%
1 Year: 3%
Return on Equity
10 Years: 15%
5 Years: 15%
3 Years: 16%
Last Year: 16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 227 227 227 227 227 227 227 253 271 374 376 376
Reserves 8,283 9,039 9,949 11,105 13,463 15,736 17,915 21,464 25,824 43,138 48,571 56,094
Borrowing 38,630 46,695 49,790 53,080 82,131 87,914 94,735 106,546 114,846 164,202 195,496 234,197
5,192 6,193 8,048 10,034 1,539 1,542 1,389 1,647 1,328 2,858 3,823 3,055
Total Liabilities 52,332 62,154 68,013 74,446 97,360 105,419 114,266 129,910 142,268 210,573 248,266 293,722
155 154 152 136 122 147 489 437 418 3,714 3,718 2,914
CWIP 0 0 0 0 0 0 0 0 0 66 0 0
Investments 2,435 3,037 1,340 1,518 2,456 4,126 2,936 3,347 6,971 7,430 9,472 15,788
49,742 58,962 66,522 72,791 94,782 101,146 110,841 126,126 134,879 199,363 235,077 275,020
Total Assets 52,332 62,154 68,013 74,446 97,360 105,419 114,266 129,910 142,268 210,573 248,266 293,722

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-4,055 -9,611 -5,507 -2,677 -13,142 -5,535 -2,464 -4,239 -8,859 -17,625 -31,118 -43,652
-112 -45 -36 -2 86 -76 -55 -25 -34 5,076 -427 3,630
5,010 7,836 2,822 3,017 13,014 5,550 4,579 12,226 8,505 11,820 27,626 44,521
Net Cash Flow 843 -1,819 -2,721 338 -42 -62 2,060 7,962 -388 -730 -3,919 4,499

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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 % 17% 12% 12% 12% 20% 17% 15% 13% 11% 17% 15% 16%

Shareholding Pattern

Numbers in percentages

1 Recently
Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
29.37% 25.29% 25.51% 25.48% 25.45% 25.43% 25.42% 25.41% 25.40% 25.40% 25.39% 25.39%
50.65% 45.55% 49.78% 55.36% 54.67% 53.97% 53.90% 54.28% 53.29% 53.08% 53.58% 52.61%
14.53% 11.13% 11.74% 14.66% 15.17% 15.77% 15.69% 15.24% 16.21% 15.93% 15.34% 16.32%
5.47% 18.04% 12.96% 4.49% 4.71% 4.83% 5.00% 5.07% 5.07% 5.58% 5.68% 5.64%
No. of Shareholders 92,2541,00,20399,21292,22796,8731,07,2541,18,0311,26,5291,40,6801,81,3982,30,8212,53,512

* 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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