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Shriram Finance Ltd

Shriram Finance

Large Cap•79,872 Employees•IPO 1905
Current Price
₹1003.60
-28.1 (-2.72%)Updated
NSE :SHRIRAMFIN
BSE :511218
Sector :Consumer Finance
Valuation vs Sector
P/E Ratio
21.94vs 18.54
P/B Ratio
3.31vs 2.09
Div Yield
0.92%vs 0.59%
Today's Range
994.7
₹1003.60
indicator
1028
52 Week Range
52W Low₹566.50
52W High₹1108.00
₹1003.60
indicator
Downside77.16%
Upside10.40%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹2,02,226.65 Cr
Market Cap
Total market value of company
P/E Ratio
22.11
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
1.91
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹48.57
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
7.62%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
11.00%
ROCE
Return on Capital Employed. >15% is good
Net Margin
19.60%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
-13.99%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
20.18%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
20.10%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
9.39%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
4.16
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹300.31
Book Value
Net asset value per share
Dividend Yield
0.92%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
25.40%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • •Strong ROE of 15.60% and OPM of 27.93% indicate efficient profitability.
  • •Consistent quarterly sales growth of 20.10% and profit growth of 9.39%.

Weaknesses

5 points
  • •High debt-to-equity ratio of 4.16 indicates significant financial leverage.
  • •Relatively low promoter holding at 25.4% raises governance concerns.

Opportunities

4 points
  • •Capitalize on expanding credit demand in emerging consumer and MSME markets.
  • •Digital transformation and expansion into underserved rural markets offer growth.

Threats

4 points
  • •Intense competition from larger banks and NBFCs could pressure margins.
  • •Adverse regulatory changes for NBFCs could impact operational flexibility and profitability.

Segment-wise Financial Analysis

Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹1089.43+₹85.83+8.55%
R3₹1056.13+₹52.53+5.23%
R2₹1042.07+₹38.47+3.83%
R1₹1022.83+₹19.23+1.92%
PIVOT₹1008.775.170.51%
CURRENT₹1003.60--
S1₹922.93-₹80.67-8.04%
S2₹956.23-₹47.37-4.72%
S3₹975.47-₹28.13-2.80%
S4₹989.53-₹14.07-1.40%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
6.56M
(13 Mar 2026)
+10.8% vs avg
Delivery %
62.5%
(13 Mar 2026)
+8.0% vs avg
Avg Volume (20D)
5.92M
(13 Feb - 13 Mar)
20-day average
Avg Delivery %
54.6%
(13 Feb - 13 Mar)
Trend ↑
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Poonawalla Fincorp Ltd
116.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %

Peer Comparison

Company Name
BAJFINANCE
Bajaj Finance Ltd
CHOLAFIN
Cholamandalam Investment & Finance Company Ltd
CHOLAHLDNG
Cholamandalam Financial Holdings Ltd
HDBFS
HDB Financial Services Ltd
LTF
L&T Finance Ltd
MANAPPURAM
Manappuram Finance Ltd
M&MFIN
Mahindra & Mahindra Financial Services Ltd
MUTHOOTFIN
Muthoot Finance Ltd
POONAWALLA
Poonawalla Fincorp Ltd
SBICARD
SBI Cards & Payment Services Ltd
SUNDARMFIN
Sundaram Finance Ltd
TATACAP

About

SHRIRAMFIN

Shriram Finance Ltd

Shriram Finance Limited is a prominent non-banking finance company (NBFC) operating within India. Its core business revolves around providing a diverse range of financing solutions to a broad spectrum of customers. This includes both individual borrowers and businesses of varying sizes, from micro-enterprises to larger corporations.

A significant portion of Shriram Finance's business involves financing for commercial vehicles. This encompasses a wide range of vehicles, including commercial goods vehicles, passenger vehicles, tractors and farm equipment, and construction equipment. They also extend their financing services to other asset classes such as multi-utility vehicles, two-wheelers, and gold, alongside personal loans catering to individual needs.

Beyond vehicle financing, Shriram Finance offers a substantial portfolio of business loans tailored to the requirements of small and medium-sized enterprises (SMEs). These loans encompass various purposes, including working capital needs (covering expenses like tyres, taxes, fuel, and tolls), repair and top-up loans, and even challan discounting. This demonstrates their commitment to supporting the growth and operational efficiency of SMEs.

The company's service offerings extend beyond traditional lending. They also act as an intermediary for insurance products, providing access to life insurance, motor insurance, personal accident insurance, and home insurance policies. Further enhancing their comprehensive financial services platform, Shriram Finance also facilitates payment services, adding another layer of convenience for their clients.

Shriram Finance's customer base is exceptionally diverse, ranging from first-time vehicle buyers and small road transport operators to individuals seeking personal loans. They also cater to a large segment of MSMEs, which include self-employed professionals, wholesale and retail dealers, merchants, builders, small and medium-scale manufacturers, and various service providers. This broad customer base underscores the company's significant role in the Indian financial landscape.

COMPANY FACTS - SHRIRAMFIN

Registered Address

Wockhardt Towers, 3rd Floor, West Wing, G Block, Bandra-Kurla Complex, Bandra (East),

Mumbai

MAHARASHTRA

IN

Tel: 912240959595

Website:https://www.shriramfinance.in/

Investor Relations:http://www.shriramfinance.in/investors
Company Details

Group: Financial Services

Sector: Financials

Industry: Consumer Finance

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 79,872

IPO Date: 06/06/1905

MANAGEMENT - SHRIRAMFIN

Shri. Jugal Mohapatra

Non-Executive Independent Chairman of the Board

Shri. Yalamati Chakravarti

Chief Executive Officer, Managing Director, Executive Director

Sri. Umesh Revankar

Executive Vice Chairman of the Board

Mr. Parag Sharma

Chief Financial Officer, Joint Managing Director, Whole-Time Executive Director

Mr. R. Chandrasekar

Joint Managing Director, Chief Compliance Officer

Mr. U. Balasundara Rao

Compliance Officer, Company Secretary

Mr. Hardeep Tur

Chief Risk Officer

Mr. S. Sunder

Joint Managing Director

Mr. Sanjay Mundra

Executive Director-Investor Relations

Mr. Devaki Ravi

Non-Executive Non-Independent Director

Mr. Ignatius Viljoen

Non-Executive Non-Independent Director

Mr. Pradeep Panja

Non-Executive Independent Director

Investor Questions Answered

Shriram Finance Ltd (SHRIRAMFIN) Stock FAQs

Get answers to the most common questions about Shriram Finance Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of Shriram Finance Ltd (SHRIRAMFIN) is ₹1,003.6. Today, the stock has declined by ₹28.10 (2.72%), trading in a range of ₹994.7 to ₹1,028. The stock opened at ₹1,021.3 with a trading volume of 65,62,852 shares.
Shriram Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹2,02,226.65 crores, P/E ratio of 22.11, ROE of 7.62%, and ROCE of 11.00%. The dividend yield stands at 0.92%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Shriram Finance Ltd (SHRIRAMFIN) is ₹1,108, while the 52-week low is ₹566.5. Currently trading at ₹1,003.6, the stock is 80.7% away from its 52-week low and 9.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Shriram Finance Ltd stock at ₹1,003.6 depends on multiple factors. The stock is currently trading with a P/E ratio of 22.11 and P/B ratio of N/A. Today's performance shows a loss of 2.72%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Shriram Finance Ltd offers a dividend yield of 0.92%, which means for every ₹100 invested at the current price of ₹1,003.6, you can expect to receive approximately ₹0.92 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Shriram Finance Ltd's key financial metrics include: P/E Ratio: 22.11, P/B Ratio: N/A, ROE: 7.62%, ROCE: 11.00%, Dividend Yield: 0.92%, EPS: ₹48.57, Book Value: ₹300.31, Debt-to-Equity: 4.16, and Current Ratio: N/A. The company's market cap stands at ₹2,02,226.65 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Shriram Finance Ltd stock opened at ₹1,021.3 and is currently trading at ₹1,003.6, showing a decline of ₹28.10 (2.72%). The intraday high is ₹1,028 and low is ₹994.7. The trading volume stands at 65,62,852 shares, indicating strong market participation today.
Shriram Finance Ltd has a Price-to-Earnings (P/E) ratio of 22.11, which means investors are willing to pay ₹22.11 for every ₹1 of earnings. With an EPS of ₹48.57, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
Shriram Finance Ltd has a market capitalization of ₹2,02,226.65 crores, making it a large-cap company. Market cap is calculated by multiplying the current stock price (₹1,003.6) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Shriram Finance Ltd has a book value of ₹300.31 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹1,003.6, which is 234.2% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Shriram Finance Ltd has a Return on Equity (ROE) of 7.62% and Return on Capital Employed (ROCE) of 11.00%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Shriram Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Shriram Finance Ltd has a debt-to-equity ratio of 4.16, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Shriram Finance Ltd has an Earnings Per Share (EPS) of ₹48.57, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹1,003.6 and P/E ratio of 22.11, investors are paying 22.11 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
Shriram Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Shriram Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Shriram Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (22.11), ROE (7.62%), debt-to-equity (4.16), and growth rates. 2) Technical Analysis - Check 52-week range (₹566.50 - ₹1108.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹1003.60) with book value (₹300.31) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Shriram Finance Ltd share is ₹2.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹1,003.6 is 50080x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Shriram Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹566.50 - ₹1108.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 4.16 indicates leverage. 4) Liquidity Risk - Based on trading volume of 65,62,852 shares. 5) Valuation Risk - P/E of 22.11 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Shriram Finance Ltd operates in the industry with key metrics: P/E ratio of 22.11, ROE of 7.62%, market cap of ₹2,02,226.65 crores, and dividend yield of 0.92%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 4.16), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Shriram Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹1,003.6, with a 52-week range of ₹566.50 to ₹1108.00. Based on fundamentals like P/E (22.11), ROE (7.62%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Shriram Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹1003.60. 2) Fundamental Deterioration - Declining ROE (currently 7.62%), increasing debt (D/E: 4.16), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Shriram Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.92%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.