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Shriram Finance Ltd

SHRIRAMFIN

Shriram Finance Ltd

SHRIRAMFIN
FinancialsConsumer Finance
LargecapWith a market cap of ₹1,03,162 cr, stock is ranked 80
Moderate RiskStock is 2.59x as volatile as Nifty
539.150.00% (+0.00)
539.150.00% (+0.00)

Price Chart

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1D
1W
1M
1Y
5Y
Max
SIP
FinancialsConsumer Finance
LargecapWith a market cap of ₹1,03,162 cr, stock is ranked 80
Moderate RiskStock is 2.59x as volatile as Nifty

How to use scorecard? Learn more

FinancialsConsumer Finance
LargecapWith a market cap of ₹1,03,162 cr, stock is ranked 80
Moderate RiskStock is 2.59x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
10.952.081.64%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.742.331.03%

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

View older 

Jan 24, 2025

PDF
View Older Presentations
PE Ratio
36.04
1Y Return
26.27%
Buy Reco %
80.00
PE Ratio
90.30
1Y Return
18.58%
Buy Reco %
0.00
PE Ratio
34.19
1Y Return
22.29%
Buy Reco %
75.00
PE Ratio
54.10
1Y Return
33.50%
Buy Reco %
40.00
PE Ratio
21.52
1Y Return
63.49%
Buy Reco %
75.00
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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 15.17%

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 12.42% to 15.48%

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 20.9%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue10,361.9710,904.4713,629.6815,556.6616,575.7617,436.4019,274.2330,508.3936,412.9941,663.89
Raw Materialssubtract—————————28,447.94
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/Amortizationsubtract37.6334.8736.8342.97141.05137.36135.37600.69587.60627.74
Interest & Other Itemssubtract——————————
Taxes & Other Itemssubtract605.66672.411,346.791,202.59926.40779.18828.152,202.682,593.793,169.36
EPS10.2010.9121.9722.2021.6620.6120.7937.2839.2850.13
DPS1.960.782.152.350.983.604.007.009.009.40
Payout ratio0.190.070.100.110.050.170.190.190.230.19

Company Updates

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

Jan 24PDF
Oct 25PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Shriram Finance Ltd14.002.081.64%
Bajaj Finance Ltd36.046.790.43%
Jio Financial Services Ltd90.301.04—
Cholamandalam Investment and Finance Company Ltd34.195.970.14%

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%10.51%5.43%53.08%5.58%

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Shareholding History

SepDec '23MarJunSepDec '2454.67%53.97%53.90%54.28%53.29%53.08%

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)
0.2858%0.78%-0.26%34/93 (-7)
0.2658%0.48%-0.39%70/225 (-4)
0.2372%1.00%-0.06%36/75 (+2)

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

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Banking Privately

Banking Privately

Created by Windmill Capital

SHRIRAMFIN's Wtg.
7.00%
CAGR
6.05%

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 1.64%. 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

Interim 2
Interim 2 | Div/Share: ₹2.50

Dividend/Share

₹2.50

Ex DateEx Date

Jan 31, 2025

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

News & Opinions
Corporate
Shriram Finance raises offshore funding under SACE Push loan facility

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

3 days agoCapital Market - Live
Corporate
Shriram Finance fixes record date for 2nd interim dividend

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

3 weeks agoCapital Market - Live
Earnings
Shriram Finance consolidated net profit rises 73.98% in the December 2024 quarter

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

3 weeks agoCapital Market - Live
Spotlight
Shriram Finance Q3 PAT surges 96% YoY on one-time gain of Rs 1,489 cr

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

3 weeks agoCapital Market - Live
Corporate
Board of Shriram Finance recommends Second Interim dividend

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

3 weeks agoCapital Market - Live
Spotlight
Shriram Finance Ltd slips for fifth straight session

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

1 month agoCapital Market - Live
Corporate
Shriram Finance allots NCDs aggregating to Rs 510 cr

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

1 month agoCapital Market - Live
Corporate
Shriram Finance fixes record date for stock split

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

1 month agoCapital Market - Live
Corporate
Shriram Finance consolidates its green finance business under Shriram Green Finance

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

1 month agoCapital Market - Live
Corporate
Shriram Finance raises USD 1.277 billion through multi-currency syndicated loan

Shriram Finance (SFL) 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

1 month agoCapital Market - Live