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Shriram Finance Ltd

SHRIRAMFIN

Shriram Finance Ltd

SHRIRAMFIN
FinancialsConsumer Finance
LargecapWith a market cap of ₹1,13,548 cr, stock is ranked 78
Moderate RiskStock is 2.49x as volatile as Nifty
3,094.202.47% (+74.55)
3,094.202.47% (+74.55)

Price Chart

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FinancialsConsumer Finance
LargecapWith a market cap of ₹1,13,548 cr, stock is ranked 78
Moderate RiskStock is 2.49x as volatile as Nifty
Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

FinancialsConsumer Finance
LargecapWith a market cap of ₹1,13,548 cr, stock is ranked 78
Moderate RiskStock is 2.49x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
14.132.291.49%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.902.480.97%

Forecast & Ratings

Detailed Forecast 
97%
Analysts have suggested that investors can buy this stock

from 33 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

Shriram Transport Finance Company Limited is an asset financing non-banking finance company. It is primarily engaged in the business of financing commercial vehicles, while it also provides loans for equipment and other business purposes.

Investor Presentation

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Oct 25, 2024

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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Higher than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 18.54%, vs industry avg of 15.21%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 12.46% to 15.51%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 23.39%, vs industry avg of 20.97%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue10,361.9710,904.4713,629.6815,556.6616,575.7617,436.4019,274.2330,508.3936,412.9938,697.32
Raw Materialssubtract—————————27,304.86
Power & Fuel Costsubtract—————————
Employee Costsubtract623.73582.93744.70883.061,010.82906.25997.092,636.423,471.52
Selling & Administrative Expensessubtract603.72640.02742.96800.50764.58803.96826.061,709.962,043.61
Operating & Other expensessubtract7,307.617,708.598,209.4710,051.8611,220.6412,310.8213,766.4617,347.6020,350.09
Depreciation/Amortizationsubtract37.6334.8736.8342.97141.05137.36135.37600.69587.60617.65
Interest & Other Itemssubtract——————————
Taxes & Other Itemssubtract605.66672.411,346.791,202.59926.40779.18828.152,202.682,593.792,736.57
EPS51.0254.55109.87111.02108.30103.04103.94186.40196.38213.90
DPS9.783.9110.7611.744.8918.0020.0035.0045.0045.00
Payout ratio0.190.070.100.110.050.170.190.190.230.21

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2022

Annual report

PDF

Investor Presentation

Jan 24PDF
FY 2023

Annual report

PDF

Investor Presentation

Apr 27PDF
Jan 31PDF
Dec 13PDF
+4 more
FY 2024

Annual report

PDF

Investor Presentation

Jul 27PDF
FY 2025

Annual Report Pending

Investor Presentation

Oct 25PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Shriram Finance Ltd15.412.291.49%
Bajaj Finance Ltd28.155.300.55%
Jio Financial Services Ltd130.011.50—
Bajaj Housing Finance Ltd65.369.25—

Price Comparison

Compare SHRIRAMFIN with any stock or ETF
Compare SHRIRAMFIN with any stock or ETF
SHRIRAMFIN
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Shareholdings

Promoter Holdings Trend

Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding25.40%10.64%5.58%53.29%5.09%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Shareholding History

JunSepDec '23MarJunSep55.36%54.67%53.97%53.90%54.28%53.29%

Mutual Funds Holding Trend

Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding Shriram Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Kotak Equity Arbitrage Fund - Growth - Direct Plan

Growth
0.6950%1.44%0.35%7/181 (+8)
Mirae Asset Large Cap Fund - Growth - Direct Plan

Growth
0.3750%1.08%-0.59%53/89 (-7)
Kotak Equity Opportunities Fund - Growth - Direct Plan

Growth
0.2488%1.13%0.08%51/74 (-11)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Shriram Finance Ltd

Events

Dividend Trend

Increasing Dividends

Dividends are the portion of earnings that a company distributes to all its shareholders every year

SHRIRAMFIN has increased dividends consistently over the last 5 years

Dividend Yield

Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 1.49%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹14.89 every year

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

Cash Dividend

Ex DateEx DateNov 7, 2024

Interim
Interim | Div/Share: ₹22.00

Dividend/Share

₹22.00

Ex DateEx Date

Nov 7, 2024

Cash Dividend

Ex DateEx DateJul 23, 2024

Final
Final | Div/Share: ₹15.00

Dividend/Share

₹15.00

Ex DateEx Date

Jul 23, 2024

Cash Dividend

Ex DateEx DateFeb 6, 2024

Interim 2
Interim 2 | Div/Share: ₹10.00

Dividend/Share

₹10.00

Ex DateEx Date

Feb 6, 2024

Cash Dividend

Ex DateEx DateNov 6, 2023

Interim
Interim | Div/Share: ₹20.00

Dividend/Share

₹20.00

Ex DateEx Date

Nov 6, 2023

Cash Dividend

Ex DateEx DateJun 16, 2023

Final
Final | Div/Share: ₹20.00

Dividend/Share

₹20.00

Ex DateEx Date

Jun 16, 2023

News & Opinions
Corporate
Shriram Finance issues CCS equity call option notice to Kotak Mahindra Investments

In respect to the option agreement, between the Company, Kotak Mahindra Investments and Shriram Housing Finance, high value debt listed non-material subsidiary of the Company on 29 March 2024 with respect to unrated, unlisted, unsecured, compulsorily convertible debentures of nominal value of Rs.1,00,000/- each (CCDs) of Shriram Housing Finance, Shriram Finance has issued CCD equity call option notice to Kotak Mahindra Investments to sell to the Company all 40,000 CCDs of aggregate nominal value of Rs.400 crore. Powered by Capital Market - Live

3 days agoCapital Market - Live
Spotlight
Shriram Finance Ltd down for fifth straight session

Shriram Finance Ltd is down for a fifth straight session today. The stock is quoting at Rs 2876.2, down 1.88% on the day as on 12:59 IST on the NSE. The benchmark NIFTY is down around 0.94% on the day, quoting at 23659.1. The Sensex is at 78018.99, down 0.83%.Shriram Finance Ltd has lost around 15.29% in last one month.Meanwhile, Nifty Financial Services index of which Shriram Finance Ltd is a constituent, has eased around 2.01% in last one month and is currently quoting at 23563.65, down 0.79% on the day. The volume in the stock stood at 7.8 lakh shares today, compared to the daily average of 15.44 lakh shares in last one month. The benchmark November futures contract for the stock is quoting at Rs 2878.3, down 2.11% on the day. Shriram Finance Ltd jumped 41.28% in last one year as compared to a 20.25% rally in NIFTY and a 18.53% spurt in the Nifty Financial Services index.The PE of the stock is 14.1 based on TTM earnings ending September 24.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
Shriram Finance allots 24,197 equity shares under ESOS

Shriram Finance has allotted 24,197 equity shares under ESOS on 11 November 2024. Pursuant to allotment of the Equity Shares, the paid-up share capital of the Company stands increased from Rs.376,00,90,380/- to Rs.376,03,32,350/-Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
Shriram Finance jumps as PAT grows 18% YoY to Rs 2,071 cr in Q2

Profit before tax stood at Rs 2,751.53 crore in the September quarter of FY25, up 16.97% as against Rs 2,352.28 crore reported in Q2 FY24. Net interest income grew 16.36% to Rs 5,606.7 crore in Q2 FY25 as against Rs 4,818.2 crore recorded in the same period a year ago. Net interest margin reduced to 8.74% in Q2 FY25 as compared to 8.93% registered in Q2 FY24. As on 30 September 2024, total assets under management climbed 19.94% to Rs 2,43,042.55 crore as compared to Rs 2,02,640.96 crore as on 30 September 2023. Liquidity coverage ratio was at 234.61% as on 30 September 2024 as against 291.19% as of 30 September 2023. Cost to income ratio improved to 27.95% in Q2 FY25 from 27.34% reported in Q2 FY24. The firm's return on assets (ROA) and return on equity (ROE) stood at 3.06% and 16%, respectively in the quarter ended 30 September 2024. On half year basis, the company's net profit gained 18.25% to Rs 4,051.85 crore on 18.83% rise in total income to Rs 19,693.75 crore in H1 FY25 over H1 FY24 Meanwhile, the company's board declared an interim dividend of Rs 22 per share for financial year 2024-25 and has set the record date on 7 November 2024. The interim dividend payout will be made to eligible shareholders by 24 November 2024. Further, the board of directors approved split/ sub-division of one equity share with a face value of Rs 10 into 5 shares of face value of Rs 2, subject to approval of the members of the company. The record date for the same will be intimated in due course. Shriram Finance is India's largest retail asset financing non-banking finance company (NBFC). It is the flagship company of the Shriram group which has significant presence in Consumer Finance, Life Insurance, General Insurance, Housing Finance, Stock Broking and Distribution businesses. Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
Shriram Finance consolidated net profit rises 19.84% in the September 2024 quarter

Net profit of Shriram Finance rose 19.84% to Rs 2140.40 crore in the quarter ended September 2024 as against Rs 1786.10 crore during the previous quarter ended September 2023. Sales rose 18.41% to Rs 9992.53 crore in the quarter ended September 2024 as against Rs 8438.66 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales9992.538438.66 18 OPM %72.5972.31 - PBDT2910.392489.06 17 PBT2751.532352.28 17 NP2140.401786.10 20 Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Shriram Finance Q2 PAT rises 18% YoY; declares dividend of Rs 22/ share

Profit before tax stood at Rs 2,751.53 crore in the September quarter of FY25, up 16.97% as against Rs 2,352.28 crore reported in Q2 FY24. Net interest income grew 16.36% to Rs 5,606.7 crore in Q2 FY25 as against Rs 4,818.2 crore recorded in the same period a year ago. Net interest margin reduced to 8.74% in Q2 FY25 as compared to 8.93% registered in Q2 FY24. As on 30 September 2024, total assets under management climbed 19.94% to Rs 2,43,042.55 crore as compared to Rs 2,02,640.96 crore as on 30 September 2023. Liquidity coverage ratio was at 234.61% as on 30 September 2024 as against 291.19% as of 30 September 2023. Cost to income ratio improved to 27.95% in Q2 FY25 from 27.34% reported in Q2 FY24. The firm's return on assets (ROA) and return on equity (ROE) stood at 3.06% and 16%, respectively in the quarter ended 30 September 2024. On half year basis, the company's net profit gained 18.25% to Rs 4,051.85 crore on 18.83% rise in total income to Rs 19,693.75 crore in H1 FY25 over H1 FY24 Meanwhile, The company's board declared an interim dividend of Rs 22 per share for financial year 2024-25 and has set the record date on 7 November 2024. The interim dividend payout will be made to eligible shareholders by 24 November 2024. Further, the board announced a stock split at the conclusion of its board meet on 25 October, Friday. The company will split one share with a face value of Rs 10 into 5 shares of face value of Rs 2. The record date for the said split will be intimated in due course. The corporate action will be subject to approval of the members of the company. Shriram Finance is India's largest retail asset financing non-banking finance company (NBFC). It is the flagship company of the Shriram group which has significant presence in Consumer Finance, Life Insurance, General Insurance, Housing Finance, Stock Broking and Distribution businesses. Shares of Shriram Finance declined 3.81% to end at Rs 3,117.95Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Shriram Finance fixes record date for interim dividend

Shriram Finance has fixed 07 November 2024 as record date for interim dividend for FY 2024-25. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Shriram Finance announces board meeting date

Shriram Finance will hold a meeting of the Board of Directors of the Company on 25 October 2024.Powered by Capital Market - Live

1 month agoCapital Market - Live
Live Market Update
Sensex, Nifty trade with decent gains; metal stocks shine

The benchmark indices traded with moderate gains in mid-afternoon trade. The Nifty traded above the 24,850 mark. Metal shares advanced after declining in four consecutive trading sessions. At 14:30 IST, the barometer index, the S excluding the date of the journey. The Ministry of Railways has announced this change in the Advance Reservation Period (ARP) for train bookings by Indian travelers in order to promote genuine passengers. The decision will help the Railway Board to improve the visibility of genuine demand for rail travel in India. It was being noticed that about 21 percent of reservations done for 61 to 120 day periods were getting cancelled. Further, 5% of passengers were neither canceling their tickets nor were they undertaking the journey. This No Show trend was also one of the factors behind the decision, which will help Indian Railways in better planning of special trains during peak seasons. Buzzing Index: The Nifty Metal index rose 1.56% to 9,752.85. The index declined 1.53% in the four consecutive trading sessions. Jindal Steel & Power (up 4.17%), NMDC (up 3.19%), National Aluminium Company (up 3.09%), Hindalco Industries (up 2.5%), Tata Steel (up 2.03%), APL Apollo Tubes (up 1.77%), Hindustan Copper (up 1.77%), JSW Steel (up 1.75%), Vedanta (up 1.63%) and Ratnamani Metals & Tubes (up 1.29%) edged higher. On the other hand, Jindal Stainless (down 2.58%), Welspun Corp (down 2.14%) and Hindustan Zinc (down 0.94%) edged lower. Numbers to Track: The yield on India's 10-year benchmark federal paper advanced 1.96% to 6.917 as compared with previous close 6.896. In the foreign exchange market, the rupee edged lower against the dollar. The partially convertible rupee was hovering at 84.0750, compared with its close of 84.0600 during the previous trading session. MCX Gold futures for 5 December 2024 settlement rose 0.46% to Rs 77,455. The US Dollar index (DXY), which tracks the greenback's value against a basket of currencies, was down 0.16% to 103.66. The United States 10-year bond yield gained 0.27% to 4.109. In the commodities market, Brent crude for November 2024 settlement added 23 cents or 0.31% to $74.68 a barrel. Stocks in spotlight: Shriram Finance added 3.31% after the NBFC announced that its board will meet on Friday, 25 October 2024, to consider a proposal for the sub-division/ split of existing equity shares of the company. Tanla Platforms declined 3.28% after the company's consolidated net profit declined 8.65% to Rs 130.21 crore on 0.78% fell in net sales to Rs 1,000.72 crore in Q2 FY25 over Q2 FY24. Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Shriram Finance edges higher on stock split proposal

At the same meeting, the company will also consider and approve the standalone and consolidated financial results for the second quarter and half year ended 30 September 2024. An interim dividend, if any, for the financial year 2024-25 will also be declared on the same day. The announcement was made during market hours today. Shriram Finance is India's largest retail asset financing non-banking finance company (NBFC). It is the flagship company of the Shriram group which has significant presence in Consumer Finance, Life Insurance, General Insurance, Housing Finance, Stock Broking and Distribution businesses. The NBFC's standalone net profit jumped 18.21% to Rs 1,980.59 crore on 20% increase in total income to Rs 9,609.71 crore in Q1 FY25 over Q1 FY24. Powered by Capital Market - Live

1 month agoCapital Market - Live