Shriram Finance Ltd
SHRIRAMFINShriram Finance Ltd
SHRIRAMFIN


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Key Metrics
No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
---|---|---|
10.95 | 2.08 | 1.64% |
Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
---|---|---|
16.74 | 2.33 | 1.03% |
Forecast & Ratings
Detailed Forecast from 33 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
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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Forecasts
Price
Revenue
Earnings
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Revenue Forecast
All values in ₹ Thousand cr.
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Earnings Per Share Forecast
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Income
Balance Sheet
Cash Flow
Income Statement
Financial Year | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Revenue | 10,361.97 | 10,904.47 | 13,629.68 | 15,556.66 | 16,575.76 | 17,436.40 | 19,274.23 | 30,508.39 | 36,412.99 | 41,663.89 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 28,447.94 | ||||||||||
Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
Employee Cost | 623.73 | 582.93 | 744.70 | 883.06 | 1,010.82 | 906.25 | 997.09 | 2,636.42 | 3,471.52 | |||||||||||
Selling & Administrative Expenses | 603.72 | 640.02 | 742.96 | 800.50 | 764.58 | 803.96 | 826.06 | 1,709.96 | 2,043.61 | |||||||||||
Operating & Other expenses | 7,307.61 | 7,708.59 | 8,209.47 | 10,051.86 | 11,220.64 | 12,310.82 | 13,766.46 | 17,347.60 | 20,350.09 | |||||||||||
EBITDA | 1,826.91 | 1,972.93 | 3,932.55 | 3,821.24 | 3,579.72 | 3,415.37 | 3,684.62 | 8,814.41 | 10,547.77 | 13,215.95 | ||||||||||
Depreciation/Amortization | 37.63 | 34.87 | 36.83 | 42.97 | 141.05 | 137.36 | 135.37 | 600.69 | 587.60 | 627.74 | ||||||||||
PBIT | 1,789.28 | 1,938.06 | 3,895.72 | 3,778.27 | 3,438.67 | 3,278.01 | 3,549.25 | 8,213.72 | 9,960.17 | 12,588.21 | ||||||||||
Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
PBT | 1,789.28 | 1,938.06 | 3,895.72 | 3,778.27 | 3,438.67 | 3,278.01 | 3,549.25 | 8,213.72 | 9,960.17 | 12,588.21 | ||||||||||
Taxes & Other Items | 605.66 | 672.41 | 1,346.79 | 1,202.59 | 926.40 | 779.18 | 828.15 | 2,202.68 | 2,593.79 | 3,169.36 | ||||||||||
Net Income | 1,183.62 | 1,265.65 | 2,548.93 | 2,575.68 | 2,512.27 | 2,498.83 | 2,721.10 | 6,011.04 | 7,366.38 | 9,418.85 | ||||||||||
EPS | 10.20 | 10.91 | 21.97 | 22.20 | 21.66 | 20.61 | 20.79 | 37.28 | 39.28 | 50.13 | ||||||||||
DPS | 1.96 | 0.78 | 2.15 | 2.35 | 0.98 | 3.60 | 4.00 | 7.00 | 9.00 | 9.40 | ||||||||||
Payout ratio | 0.19 | 0.07 | 0.10 | 0.11 | 0.05 | 0.17 | 0.19 | 0.19 | 0.23 | 0.19 |
Company Updates
Annual report
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Peers & Comparison
FinancialsConsumer Finance
Valuation
Technical
Forecast
Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
---|---|---|---|
Shriram Finance Ltd | 14.00 | 2.08 | 1.64% |
Bajaj Finance Ltd | 36.04 | 6.79 | 0.43% |
Jio Financial Services Ltd | 90.30 | 1.04 | — |
Cholamandalam Investment and Finance Company Ltd | 34.19 | 5.97 | 0.14% |
Price Comparison
Compare SHRIRAMFIN with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has almost stayed constant
Shareholding Pattern
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Shareholding History
Mutual Funds Holding Trend
Mutual Fund Holding
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) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
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The rupee value of the stock held by the fund divided by the stock’s market cap 0.2858% | Percentage of the fund’s portfolio invested in the stock 0.78% | Change in the portfolio weight of the stock over the last 3 months -0.26% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 34/93 (-7) | |
The rupee value of the stock held by the fund divided by the stock’s market cap 0.2658% | Percentage of the fund’s portfolio invested in the stock 0.48% | Change in the portfolio weight of the stock over the last 3 months -0.39% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 70/225 (-4) | |
The rupee value of the stock held by the fund divided by the stock’s market cap 0.2372% | Percentage of the fund’s portfolio invested in the stock 1.00% | Change in the portfolio weight of the stock over the last 3 months -0.06% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 36/75 (+2) |
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Events
Dividend Trend
Increasing Dividends
SHRIRAMFIN has increased dividends consistently over the last 5 years
Dividend Yield
Current dividend yield is 1.64%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹16.39 every year
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateJan 31, 2025
Dividend/Share
₹2.50
Ex DateEx Date
Jan 31, 2025
Cash Dividend
Ex DateEx DateNov 7, 2024
Dividend/Share
₹22.00
Ex DateEx Date
Nov 7, 2024
Cash Dividend
Ex DateEx DateJul 23, 2024
Dividend/Share
₹15.00
Ex DateEx Date
Jul 23, 2024
Cash Dividend
Ex DateEx DateFeb 6, 2024
Dividend/Share
₹10.00
Ex DateEx Date
Feb 6, 2024
Cash Dividend
Ex DateEx DateNov 6, 2023
Dividend/Share
₹20.00
Ex DateEx Date
Nov 6, 2023
Shriram Finance (SFL) has successfully availed a landmark External Commercial Borrowing (ECB) SACE Push loan facility. This transaction represents the largest SACE, an Italian export credit agency controlled by the Ministry of Economy & Finance, Italy, covered loan facility ever raised by a NBFC in India from SACE, reinforcing SFL's position as a leader in offshore fundraising and its ability to diversify funding sources strategically. This 10-year long-tenor facility is backed by SACE, underlines a strong global partnership aimed at promoting the financing of Italian vehicles, both new and used, under SFL's Social Finance Framework. The transaction saw participation from leading global financial institutions, including HSBC, Deutsche Bank, KfW IPEX-Bank, ING Bankand J.P. Morgan as Mandated Lead Arrangers and Lenders amounting to EUR 393 million and USD 100 million highlighting the strong confidence of international lenders in SFL's creditworthiness. HSBC acted as the Sole ECA (Export Credit Agency). Coordinator and ING Bank acted as the Social Loan Coordinator for the transaction. SFL's collaboration with SACE reaffirms its ability to structure innovative funding solutions that align with its long-term business strategy. The transaction further demonstrates SFL's agility in tapping offshore financing markets and expanding its lender base to support sustainable business growth. This milestone highlights SFL's demonstrated ability to tap into international capital markets, effectively optimizing its funding costs while maintaining a diverse funding mix. With this recent transaction, SFL has successfully secured over USD 2.50 billion in offshore funding in the current financial year, the highest by any NBFC in India in structured finance and sustainable funding initiatives.Powered by Capital Market - Live
Shriram Finance has fixed 31 January 2025 as record date for second interim dividend for FY 2024-25. The dividend will be paid on or before 22 February 2025. Powered by Capital Market - Live
Net profit of Shriram Finance rose 73.98% to Rs 3246.85 crore in the quarter ended December 2024 as against Rs 1866.24 crore during the previous quarter ended December 2023. Sales rose 20.10% to Rs 10590.12 crore in the quarter ended December 2024 as against Rs 8817.73 crore during the previous quarter ended December 2023. ParticularsQuarter EndedDec. 2024Dec. 2023% Var. Sales10590.128817.73 20 OPM %72.3871.31 - PBDT2921.072586.33 13 PBT2759.152439.62 13 NP3246.851866.24 74 Powered by Capital Market - Live
The profit after tax (PAT) for Q3 FY25 includes one-time gain of Rs 1,489.39 crore for sale of stake in subsidiary, Shriram Housing Finance (SHFL) (now renamed as Truhome Finance). Excluding this, PAT has increased by 14.41 % and stands at Rs 2,080.37 crore as against Rs 1,818.33 crore in the same period of the previous year. Profit before exceptional items and tax in Q3 FY25 was at Rs 2,759.15 crore, up 13.1% from Rs 2,439.62 crore recorded in Q3 FY24. Exceptional profit before tax stood at Rs 1,656.77 crore in Q3 FY25 due to stake sale in SHFL. Net interest income grew 14.31% to Rs 5,822.69 crore in third quarter of FY25 as against Rs 5,093.93 crore recorded in the same period a year ago. As on 31 December 2024, total assets under management climbed 18.78% to Rs 2,54,469.69 crore as compared to Rs 2,14,233.47 crore as on 31 December 2023. The liquidity coverage ratio was at 265.24% as of 31 December 2024, as against 256.25% as of 31 December 2023. Cost to income ratio improved to 28.59% in Q3 FY25 from 27.04% reported in Q3 FY24. The firm's return on assets (ROA) (including exceptional items) and return on equity (ROE) (including exceptional items) stood at 4.94% and 26.44%, respectively, in the quarter ended 31 December 2024. On a nine-month basis, the company's net profit jumped 45.32% to Rs 7,621.61 on 19.21% increase in total income to Rs 30,399.22 crore in 9M FY25 over 9M FY24. Meanwhile, the company's board declared an interim dividend of Rs 2.50 per share for financial year 2024-25, the record date for the entitlement thereof has been fixed as 31 January 2025. The dividend payout will be made to eligible shareholders by 22 February 2025. 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 a significant presence in consumer finance, life insurance, general insurance, housing finance, stock broking, and distribution businesses. Shares of Shriram Finance shed 0.53% to close at Rs 527.35 on the BSE. Powered by Capital Market - Live
Shriram Finance announced that the Board of Directors of the Company at its meeting held on 24 January 2025, inter alia, have recommended the Second Interim dividend of Rs 2.5 per equity Share (i.e. 125%) , subject to the approval of the shareholders.Powered by Capital Market - Live
Shriram Finance Ltd is down for a fifth straight session today. The stock is quoting at Rs 2825.8, down 2.52% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 0.62% on the day, quoting at 23541.75. The Sensex is at 77635.94, down 0.66%.Shriram Finance Ltd has lost around 11.32% in last one month.Meanwhile, Nifty Financial Services index of which Shriram Finance Ltd is a constituent, has eased around 7.32% in last one month and is currently quoting at 23236.05, down 1.07% on the day. The volume in the stock stood at 5.08 lakh shares today, compared to the daily average of 10.52 lakh shares in last one month. The benchmark January futures contract for the stock is quoting at Rs 2835.65, down 2.39% on the day. Shriram Finance Ltd jumped 31.43% in last one year as compared to a 8.9% rally in NIFTY and a 8.31% spurt in the Nifty Financial Services index.The PE of the stock is 13.94 based on TTM earnings ending September 24.Powered by Capital Market - Live
Shriram Finance has allotted 51,000 Senior, secured, rated, listed, redeemable, taxable Non Convertible Debentures (NCDs) of Rs 1 lakh each aggregating to Rs 510 crore on Private placement basis on 06 January 2025. Powered by Capital Market - Live
Shriram Finance has fixed 10 January 2025 as record date for stock split of equity shares of face value of Rs 10 each to Rs 2 each. Powered by Capital Market - Live
Shriram Finance has strengthened its commitment to green financing by consolidating all its green financing initiatives under Shriram Green Finance, dedicated to funding initiatives beyond electric vehicles. This marks a significant step towards accelerating sustainable initiatives and fostering environmentally responsible growth by expanding the scope of funding opportunities. Building on its existing expertise in financing electric vehicles, Shriram green finance will provide sharper focus and clarity to its sustainability efforts. Shriram Green Finance, consolidates the green finance business with a vision to build a robust green finance portfolio through financing EVs, battery charging stations, renewable energy products and solutions, energy efficient machinery, etc. By leveraging its extensive customer base, particularly in semi-urban and rural areas, Shriram Finance has the potential to play a transformative role in green financing. The company has set a target to achieve an Asset Under Management (AUM) of ₹5,000 crores for this vertical over the next 3-4 years.Powered by Capital Market - Live
Shriram Finance (SFL)Â has reached a historic milestone by successfully raising USD 1.277 billion equivalent in multiple currencies, including USD, EUR, and AED, through a notable External Commercial Borrowing (ECB) loan transaction. This landmark deal, executed in partnership with 12 leading banks, including prominent development institutions such as the International Finance Corporation, features tenors of up to five years. Not only does this transaction represent the largest syndicated ECB loan ever secured by an Indian private non-banking financial company (NBFC), but it also highlights Shriram Finance's leadership in accessing global capital markets and setting new standards in international fundraising. The proceeds from this Social Loan will be deployed to empower small entrepreneurs and support vulnerable groups across India, in line with SFL's mission of fostering inclusive growth.Powered by Capital Market - Live
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 18.54%, vs industry avg of 15.17%
Increasing Market Share
Over the last 5 years, market share increased from 12.42% to 15.48%
Higher than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 23.39%, vs industry avg of 20.9%