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Shriram Finance Ltd.

•
shriramfinance.inBSE: 511218NSE: SHRIRAMFIN
Market Cap₹ 2,41,893 Cr.
Current Price
High / Low₹ 1,154 / 603
Stock P/E21.4
Book Value₹ 463
Price to Book2.49
Dividend Yield1.05 %
ROCE11.5 %
ROE16.4 %
Face Value₹ 2

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ABOUT

KEY POINTS

Revenue Breakup Mar 2018 • Financing Activities: 99.4% • Service Division: 0.6%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 32.1% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 20.4%
  • Solid return on assets for a lender - ROA of 3.3%
  • Company has consistently been profitable over the last 5 years
  • Latest quarter profit grew 59.9% YoY, showing strong momentum
  • Company has delivered good sales growth of 22.5% CAGR over last 5 years

CONS

  • Net NPA is elevated at 2.3% - provisioning cushion is thin
  • Asset quality is weak - gross NPA at 4.6%
  • Promoter holding has decreased over last 2 years: -5.1pp
  • Company has a low return on capital employed of 11.3%
  • Free cash flow has been persistently negative
  • Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY ALPHA 50NIFTY500MOMENTM50NIFTY DIV OPPS 50NIFTYLARGEMIDCAP250
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.SUNDARMFIN4714.6523.6052381.580.85636.1933.882644.1323.379.3580.61
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
7,9038,4398,8189,3209,5109,99310,59011,24511,40811,76012,03312,30713,400
2,1412,4542,6342,7122,6612,8363,0333,2933,0623,1093,3973,1048,793
Operating Profit5,8626,1026,2886,7716,9447,25410,7728,1618,4748,8038,7749,40910,000
OPM %74.17%72.31%71.31%72.66%73.02%72.59%101.72%72.57%74.28%74.86%72.91%76.46%74.63%
Other Income59514577669261918
Interest3,4883,6223,7073,9884,1294,3504,7515,2245,4015,5255,2595,3365,204
Depreciation132137147153153159162171173174177175183
2,2482,3522,4402,6442,6672,7524,3132,7722,9063,1133,3643,9174,631
Tax %25.46%25.57%25.47%26.41%25.73%24.72%25.06%22.82%25.84%25.80%24.96%23.03%25.45%
Net Profit00002,0312,1533,2492,1442,1592,3142,5303,0213,453
4648101111111711111213161

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
10,90313,46715,52916,55517,42019,25530,47734,96441,83448,13349,501
3,7133,3054,2454,6814,9405,8188,6999,87511,73212,60518,403
Operating Profit7,19010,16211,28411,87412,48013,43721,77825,09030,10235,52831,097
OPM %65.95%75.46%72.66%71.72%71.64%69.78%71.46%71.76%71.96%73.81%62.82%
218610321262533381,5796672
Interest5,2196,4167,5668,3159,0919,77712,99614,87618,53221,59421,325
Depreciation353743141137135601569645699709
Profit before Tax1,9383,8963,7783,4393,2783,5498,2149,68412,50313,30015,025
Tax %34.70%34.64%32.14%27.24%24.12%23.70%26.81%25.75%24.63%24.78%24.78%
Net Profit1,2662,5462,5642,5022,4872,7086,0117,1909,42310,00411,302
EPS55.78112.35113.52107.89101.44102.23159.83196.0250.8153.28—
Dividend Payout %17.93%9.79%10.57%4.52%18.23%19.88%21.80%22.96%19.49%20.27%—

COMPOUNDED SALES GROWTH

10 Years:
17%
5 Years:
23%
3 Years:
16%

COMPOUNDED PROFIT GROWTH

10 Years:
24%
5 Years:
32%
3 Years:
19%

STOCK PRICE CAGR

10 Years:
16%
5 Years:
31%
3 Years:
39%
1 Year:
66%

RETURN ON EQUITY

10 Years:
16%
5 Years:
16%
3 Years:
17%
Last Year:
16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Jul 3

₹ 3

Rs.6.0000 per share(300%)Final Dividend

2025

Nov 7

₹ 2.40

Rs.4.8000 per share(240%)Interim Dividend

2025

Jul 11

₹ 1.50

Rs.3.0000 per share(150%)Final Dividend

2025

Jan 31

₹ 1.25

Rs.2.5000 per share(125%)Interim Dividend

2024

Nov 7

₹ 2.20

Interim Dividend

2024

Jul 23

₹ 1.50

Rs.15.0000 per share(150%)Final Dividend

2024

Feb 6

₹ 1

Dividend

2023

Nov 6

₹ 2

Interim Dividend

2023

Jun 16

₹ 2

Rs.20.0000 per share(200%)Final Dividend

2023

Jan 3

₹ 1.50

Interim Dividend

2022

Mar 11

₹ 1.20

Second Interim Dividend

2021

Nov 9

₹ 0.80

Interim Dividend

2021

Jun 16

₹ 0.60

Rs.6.0000 per share(60%)Final Dividend

2021

Apr 5

₹ 0.60

Second Interim Dividend

2020

Nov 9

₹ 0.60

Rs.6.0000 per share(60%)Interim Dividend

2018

Jul 18

₹ 0.60

Rs.6.0000 per share(60%)Final Dividend

2017

Nov 10

₹ 0.50

Interim Dividend

2017

Jun 21

₹ 0.60

Rs.6.0000 per share(60%)Final Dividend

2016

Nov 3

₹ 0.40

Interim Dividend

2016

Jul 18

₹ 0.60

Rs.6.0000 per share(60%)Final Dividend

2015

Nov 5

₹ 0.40

Interim Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital227227227227253271374376376376
Minority Interest00000028773000
11,10513,46315,73617,91521,46425,82442,93948,49956,05165,522
50,84082,39188,20194,6161,06,5961,14,8301,64,4691,96,1502,35,0962,51,446
Trade Payables172220133144153166313246299332
17,7217,8433,9585,2905,9776,57913,443-803-1,519-566
Total Liabilities80,0641,04,1441,08,2561,18,1921,34,4431,47,6692,21,8252,45,1972,90,3033,17,111
1341201454874354163,7113,7172,9142,635
1,5202,4564,1262,9363,3476,9717,4309,47215,78814,993
0000000525152
Cash & Bank4,4453,6753,9817,31516,44216,35516,3077,94720,9687,800
73,96597,8941,00,0031,07,4541,14,2191,23,9271,94,3772,24,0102,50,5822,91,631
Total Assets80,0641,04,1441,08,2561,18,1921,34,4431,47,6692,21,8252,45,1972,90,3033,17,111

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-1,997-12,270-4,183-1,399-2,980-7,707-14,359-31,118-43,652-13,281
Cash from Investing-191-76-55-25-34-193-2583,661-243
Cash from Financing3,01713,0145,5504,57912,2268,50511,82027,62644,5218,587
338-37-622,0607,962-388-5,999-3,7504,530-4,937

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
25.4125.4025.4025.4025.3925.3925.3825.3820.30
54.2653.2753.0653.5552.5849.5847.1945.1354.74
15.2416.2115.9315.3416.3218.6221.2423.2419.86
Government0.000.000.000.000.000.000.000.000.00
5.075.095.585.695.656.356.106.185.04

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-11 - Shriram Finance Limited has informed the Exchange about Schedule of meet

2026-09-10
ESOP/ESOS/ESPS

2026-09-10 - Shriram Finance Limited has informed the Exchange regarding Allotment of 61491 Shares.

2026-09-10
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-10 - Shriram Finance Limited has informed the Exchange about Schedule of meet

2026-09-09
Allotment of Securities

2026-09-09 - Shriram Finance Limited has informed the Exchange regarding allotment of 222000 securities pursuant to Non Convertible Securities at its meeting held on September 09, 2026

2026-09-04
Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-09-04 - Shriram Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-09-03
Credit Rating

2026-09-03 - Shriram Finance Limited has informed the Exchange about Credit Rating

2026-09-02
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-02 - Shriram Finance Limited has informed the Exchange about Schedule of meet

2026-08-29
Copy of Newspaper Publication

2026-08-29 - Shriram Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-27
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-27 - Shriram Finance Limited has informed the Exchange about Schedule of meet

News

Recent coverage and analyst commentary for SHRIRAMFIN

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