SHRIRAMFIN
Shriram Finance Limited (SHRIRAMFIN) Stock Analysis
Shriram Finance Limited is one of India's largest retail-focused NBFCs providing commercial vehicle, MSME, and personal finance loans. It has a deep branch network serving truck operators, small businesses, and consumers with secured lending. The company also offers insurance and mutual fund distribution. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹940.00
-0.05% 1W | +39.70% 52W
Market Cap
221.2k CR
P/E Ratio
16.6
52W High
₹1153.7
52W Low
₹670.1
Div. Yield
1.14%
Beta
0.6
50 DMA
₹1035.1
200 DMA
₹1008
Profit Margin
50%
Inst. Own.
59.5%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8,003 | 8,555 | 8,922 | 9,484 | 9,605 | 10,090 | 10,698 | 11,454 | 11,536 | 11,912 | 12,171 | 12,513 | 13,400 |
| Interest | 3,488 | 3,622 | 3,707 | 3,988 | 4,129 | 4,350 | 4,751 | 5,224 | 5,401 | 5,525 | 5,259 | 5,336 | 5,204 |
| Expenses | 2,141 | 2,454 | 2,634 | 2,712 | 2,661 | 2,836 | 3,033 | 3,293 | 3,062 | 3,109 | 3,397 | 3,104 | 3,406 |
| Financing Profit | 2,374 | 2,480 | 2,581 | 2,783 | 2,815 | 2,903 | 2,914 | 2,937 | 3,073 | 3,279 | 3,514 | 4,073 | 4,790 |
| Financing Margin % | 30% | 29% | 29% | 29% | 29% | 29% | 27% | 26% | 27% | 28% | 29% | 33% | 36% |
| Other Income | 41 | 47 | 59 | 87 | 54 | 86 | 1,574 | 6 | 6 | 9 | 26 | 18 | 18 |
| Depreciation | 132 | 137 | 147 | 153 | 153 | 159 | 162 | 171 | 173 | 174 | 177 | 175 | 183 |
| Profit before tax | 2,283 | 2,391 | 2,494 | 2,717 | 2,715 | 2,830 | 4,326 | 2,772 | 2,906 | 3,113 | 3,363 | 3,917 | 4,626 |
| Tax % | 25% | 25% | 25% | 26% | 25% | 24% | 25% | 23% | 26% | 26% | 25% | 23% | 25% |
| Net Profit | 1,712 | 1,792 | 1,874 | 2,021 | 2,031 | 2,153 | 3,249 | 2,144 | 2,159 | 2,314 | 2,530 | 3,021 | 3,453 |
| EPS in Rs | 9.10 | 9.52 | 9.94 | 10.69 | 10.76 | 11.39 | 17.27 | 11.40 | 11.48 | 12.30 | 13.45 | 16.06 | 14.67 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9,177 | 10,359 | 10,903 | 13,502 | 15,536 | 16,561 | 17,422 | 19,255 | 30,492 | 36,388 | 43,941 | 48,135 | 49,997 |
| Interest | 4,706 | 5,088 | 5,219 | 6,409 | 7,564 | 8,313 | 9,089 | 9,773 | 12,987 | 15,588 | 18,529 | 21,586 | 21,325 |
| Expenses | 2,781 | 3,447 | 3,712 | 3,288 | 4,171 | 4,683 | 4,932 | 5,816 | 8,706 | 10,278 | 12,279 | 12,602 | 13,016 |
| Financing Profit | 1,691 | 1,824 | 1,972 | 3,805 | 3,801 | 3,565 | 3,402 | 3,666 | 8,799 | 10,523 | 13,132 | 13,947 | 15,656 |
| Financing Margin % | 18% | 18% | 18% | 28% | 24% | 22% | 20% | 19% | 29% | 29% | 30% | 29% | 31% |
| Other Income | 2 | 3 | 1 | 127 | 20 | 14 | 14 | 18 | 16 | 25 | 157 | 52 | 71 |
| Depreciation | 43 | 38 | 35 | 37 | 43 | 141 | 137 | 135 | 601 | 588 | 645 | 699 | 709 |
| Profit before tax | 1,650 | 1,789 | 1,938 | 3,896 | 3,778 | 3,439 | 3,278 | 3,549 | 8,214 | 9,960 | 12,644 | 13,300 | 15,019 |
| Tax % | 38% | 34% | 35% | 35% | 32% | 27% | 24% | 24% | 27% | 26% | 24% | 25% | |
| Net Profit | 1,028 | 1,184 | 1,266 | 2,549 | 2,576 | 2,512 | 2,499 | 2,721 | 6,020 | 7,399 | 9,576 | 10,024 | 11,318 |
| EPS in Rs | 8.13 | 9.35 | 10.00 | 20.14 | 20.36 | 19.86 | 17.71 | 20.12 | 32.11 | 39.20 | 50.81 | 53.28 | 56.48 |
| Dividend Payout % | 22% | 19% | 7% | 10% | 11% | 5% | 18% | 20% | 22% | 23% | 19% | 20% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 16.0% | 23.0% | 17.0% |
| Profit CAGR | 19.0% | 32.0% | 24.0% |
Shareholding Pattern
Promoters25.39%
FIIs52.61%
DIIs16.32%
Public5.64%
Promoters25.39%
FIIs49.61%
DIIs18.65%
Public6.34%
Promoters25.38%
FIIs47.21%
DIIs21.29%
Public6.11%
Promoters25.38%
FIIs45.15%
DIIs23.29%
Public6.18%
Promoters20.30%
FIIs54.75%
DIIs19.90%
Public5.03%
Promoters25.51%
FIIs49.78%
DIIs11.74%
Public12.96%
Promoters25.42%
FIIs53.90%
DIIs15.69%
Public5.00%
Promoters25.39%
FIIs53.58%
DIIs15.34%
Public5.68%
Promoters25.38%
FIIs45.15%
DIIs23.29%
Public6.18%
Promoters20.30%
FIIs54.75%
DIIs19.90%
Public5.03%
SHRIRAMFIN
Holdings Analysis
Key strengths & risk signals
70
Overall
81
Fundamental
59
Technical
Risks (3)
VERY HIGH DEBT! D/E of 3.17 - significant risk.
WEAK POSITION! Current price (940.0) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 0.1% (1 week), 4.0% (1 month), 9.2% (3 months).
Strengths (4)
EXCELLENT EFFICIENCY! 50.0% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (1035.1) is above 200-day average (1008.0) - positive signal.
GOOD YEAR! Stock gained 39.7% in the last year.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
Fundamental & Technical Analysis
70Overall
81Fundamental
59Technical
Fundamental Breakdown
Growth Quality
24/30
Revenue CAGR: 13.9% (GOOD, 11/15). Profit CAGR: 18.6% (VERY GOOD, 13/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 50.0% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.89 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.14% yield - minimal income contribution.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.17 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 4.71% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (1035.1) is above 200-day average (1008.0) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (940.0) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
10/10
GOOD YEAR! Stock gained 39.7% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 10 up days, 19 down days. Avg volume on up days: 4,344,486 vs down days: 4,556,161. Ratio: 0.95x
RSI
3/5
NEUTRAL! RSI at 41.4 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 55.8% of 52W range - neutral zone.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 0.1% (1 week), 4.0% (1 month), 9.2% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
SHRIRAMFIN
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-27 | Concall PDF | |
| Q2FY262026-01-28 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SHRIRAMFIN | ₹940.00 | 16.6 | 50.0% | 13.9% | 18.6% | +39.7% | 70 | APPROACHING SUPPORT | +59.9% | +14.3% | +32.1% | +11.4% |
| TATACAP | ₹322.80 | 25.3 | 39.7% | 34.5% | – | -2.8% | 61 | APPROACHING SUPPORT | – | +3.0% | +15.3% | +5.7% |
| CHOLAFIN | ₹1,574.40 | 23.3 | 40.5% | 32.8% | 25.2% | -4.9% | 70 | APPROACHING RESISTANCE | +45.6% | +0.7% | +27.4% | +2.9% |
| PFC | ₹333.20 | 4.2 | 54.5% | 16.2% | 17.7% | -13.7% | 77 | BREAKOUT | +2.1% | +0.2% | -1.0% | -7.6% |
| IRFC | ₹80.20 | 14.2 | 97.3% | 4.6% | 4.4% | -36.1% | 60 | BREAKOUT | +10.4% | +14.4% | +19.4% | +12.4% |
| MUTHOOTFIN | ₹2,598.30 | 9.2 | 55.5% | 38.0% | 43.1% | -22.6% | 65 | CONSOLIDATING DOWN | +38.8% | -16.4% | +27.4% | -14.7% |
| RECLTD | ₹307.80 | 5.1 | 68.9% | 14.4% | 13.5% | -17.4% | 68 | BREAKOUT | -6.1% | +24.2% | -14.8% | -17.4% |
| LTF | ₹253.80 | 18.6 | 33.1% | 6.0% | 32.0% | -1.6% | 60 | BREAKDOWN | – | +7.8% | +21.8% | +9.4% |
Data from TradeAlone · Updated daily
