Shriram Finance
Shriram Finance Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Shriram Finance Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Shriram Finance Ltd trades at a P/E of 18.85× and P/B of 2.86×, against the Financial Services sector median P/E of 18.42×.
Valuation
Profitability
Growth
Financial Health
Shriram Finance Ltd chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Shriram Finance Ltd — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Shriram Finance Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Shriram Finance Ltd, switchable between annual and quarterly views, consolidated or standalone.
Shriram Finance Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹2,35,503.91 Cr and reported EPS of ₹53.20.
| Period | 2019 | 2020 | 2021 | 2022 | 2022 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 15,522 | 16,562 | 17,420 | 19,255 | 10,492 | 22,524 | 30,477 | 36,380 | 41,834 | 48,133 |
| Other Income | 23 | 20 | 16 | 19 | 8 | 18 | 32 | 33 | 25 | 60 |
| Total Income | 15,546 | 16,583 | 17,436 | 19,274 | 10,501 | 22,542 | 30,508 | 36,413 | 41,859 | 48,193 |
| Gross Profit | 15,522 | 16,562 | 17,420 | 19,255 | 10,492 | 22,524 | 30,477 | 36,380 | 41,834 | 48,133 |
| +Operating Expenses | 1,766 | 1,874 | 1,769 | 1,903 | 1,108 | 3,205 | 4,280 | 5,350 | 5,926 | 6,737 |
| EBITDA | 13,756 | 14,688 | 15,651 | 17,352 | 9,384 | 19,319 | 26,196 | 31,030 | 35,908 | 41,396 |
| +Non-Operating Expenses | 7,554 | 8,411 | 9,192 | 9,870 | 5,118 | 9,721 | 13,532 | 16,109 | 20,654 | 22,220 |
| Profit Before Tax (PBT) | 3,778 | 3,439 | 3,278 | 3,549 | 2,748 | 6,363 | 8,214 | 9,960 | 12,503 | 13,300 |
| +Tax Expense | 1,214 | 937 | 791 | 841 | 715 | 1,637 | 2,202 | 2,569 | 3,080 | 3,296 |
| Profit After Tax (PAT) | 2,576 | 2,512 | 2,499 | 2,721 | 2,036 | 4,732 | 6,020 | 7,399 | 9,576 | 10,024 |
| Earnings Per Share (EPS) | 20.36 | 19.86 | 19.75 | 20.12 | 15.05 | 25.24 | 32.11 | 39.20 | 50.81 | 53.28 |
| Diluted Shares Outstanding (Nos.) | 127 | 127 | 127 | 135 | 135 | 187 | 187 | 188 | 188 | 188 |
| +Banking Income | 15,546 | 16,583 | 17,436 | 19,274 | 10,501 | 22,542 | 30,508 | 36,413 | 41,859 | 48,193 |
| +Additional Disclosures | 11,777 | 13,150 | 14,077 | 15,615 | 7,649 | 16,047 | 22,286 | 26,405 | 30,884 | 35,801 |
| Sales Growth % | — | 6.70 | 5.18 | 10.53 | -45.51 | 114.67 | 35.31 | 19.37 | 14.99 | 15.06 |
| YoY Sales Growth % | — | 6.70 | 5.18 | 10.53 | — | — | 58.28 | 19.37 | 14.99 | 15.06 |
| Employee Cost % | 6 | 6 | 5 | 5 | 5 | 8 | 9 | 10 | 9 | 9 |
| Other Cost % | 6 | 5 | 5 | 5 | 5 | 6 | 5 | 5 | 5 | 5 |
| OPM % | 89 | 89 | 90 | 90 | 89 | 86 | 86 | 85 | 86 | 86 |
| Tax % | 32 | 27 | 24 | 24 | 26 | 26 | 27 | 26 | 25 | 25 |
| Profit Growth % | — | -2.46 | -0.53 | 8.89 | — | — | 121.24 | 22.90 | 29.43 | 4.68 |
| Gross Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| +Additional Fields | 62 | 57 | 79 | 92 | 49 | 260 | 313 | 441 | 572 | 597 |
Shriram Finance segment analysis: revenue and profit mix.
Disclosed business segments at Shriram Finance with their share of revenue and profit, switchable between consolidated and standalone reporting.
Shriram Finance discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Shriram Finance Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Shriram Finance Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Shriram Finance Ltd's investment case rests on 9 positive markers and 9 flagged concerns drawn from the latest reported filings.
What you're getting.
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%.
Attractive P/E of 16.30 and dividend yield of 1.21% for investors.
High institutional ownership (FIIs 49.61%, DIIs 18.65%) shows strong confidence.
Strong 52-week stock return of 53.82% indicates positive market momentum.
What can break it.
High debt-to-equity ratio of 4.16 indicates significant financial leverage.
Relatively low promoter holding at 25.4% raises governance concerns.
Significant stock volatility with 52-week range ₹493.35 to ₹838.65.
Negative EPS growth over 3Y (-20.84%) and 5Y (-13.99%) is concerning.
Low Return on Assets (1.50%) suggests inefficient asset utilization.
What would change my mind.
Trim if P/E re-rates above 25 (~1.4× the sector multiple of 18.4). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 275.49. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 11%. The operating engine is no longer compounding capital efficiently.
Shriram Finance Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Shriram Finance Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Shriram Finance Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Shriram Finance Ltd — derived from the live tape, not yesterday's close.
Shriram Finance Ltd last traded at ₹1,001.9 with an intraday range of ₹992.3–₹1,007.7 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹1001.90| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 1039.77 | +37.87 | +3.78% |
| R3 | 1024.37 | +22.47 | +2.24% |
| R2 | 1016.03 | +14.13 | +1.41% |
| R1 | 1008.97 | +7.07 | +0.71% |
| PIVOT | 1000.63 | -1.27 | -0.13% |
| CURRENT | 1001.90 | — | — |
| S1 | 962.77 | -39.13 | -3.91% |
| S2 | 978.17 | -23.73 | -2.37% |
| S3 | 985.23 | -16.67 | -1.66% |
| S4 | 993.57 | -8.33 | -0.83% |
SHRIRAMFIN is trading Above CPR, indicating Bullishness
CPR is Narrower, suggesting likely for trending moves
Day's range: 1000 ~ 1007.35
Trading Inside opening range
Shriram Finance Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Shriram Finance Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Shriram Finance Ltd stood at 54.7% of traded volume, against a 20-day average of 55.7%.
Shriram Finance announcements: results, concalls, ratings, M&A.
Filings Shriram Finance sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Shriram Finance files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 352 documents below.
Copy of Newspaper Publication
Shriram Finance Limited has informed the Exchange about Copy of Newspaper Advertisement with respect to dispatch of 47th Annual Report including…
Copy of Newspaper Publication
Shriram Finance Limited has informed the Exchange about Newspaper Advertisement for 47th Annual General Meeting
Analysts/Institutional Investor Meet/Con. Call Updates
Shriram Finance Limited has informed the Exchange about Schedule of meet
ESOP/ESOS/ESPS
Shriram Finance Limited has informed the Exchange regarding Allotment of 84,560 Equity shares on exercise of Fresh Stock Options under SFL ESOS 2023…
Certificate under SEBI (Depositories and Participants) Regulations, 2018
Shriram Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Investor decks & rating reports.
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Shriram Finance dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Shriram Finance has declared, sequenced by announce and record date.
Shriram Finance corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Shriram Finance Ltd: business, sector, key facts.
What Shriram Finance Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Shriram Finance Ltd operates in the Financial Services, listed as NSE: SHRIRAMFIN, BSE: 511218.
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.
Questions investors ask about Shriram Finance Ltd (SHRIRAMFIN).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Shriram Finance Ltd (SHRIRAMFIN)?
The current share price of Shriram Finance Ltd (SHRIRAMFIN) is ₹1,001.9. Today, the stock has declined by ₹0.80 (0.08%), trading in a range of ₹992.3 to ₹1,007.7. The stock opened at ₹1,001.65 with a trading volume of 26,11,538 shares.
02Is Shriram Finance Ltd stock a good investment for long-term?
Shriram Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹2,35,503.91 crores, P/E ratio of 18.85, ROE of 16.38%, and ROCE of 11.00%. The dividend yield stands at 0.00%. 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.
03What is the 52-week high and low price of Shriram Finance Ltd stock?
The 52-week high price of Shriram Finance Ltd (SHRIRAMFIN) is ₹1,108, while the 52-week low is ₹566.5. Currently trading at ₹1,001.9, the stock is 80.4% away from its 52-week low and 9.6% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Shriram Finance Ltd stock at the current price?
Whether to buy Shriram Finance Ltd stock at ₹1,001.9 depends on multiple factors. The stock is currently trading with a P/E ratio of 18.85 and P/B ratio of 2.86. Today's performance shows a loss of 0.08%. 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.
05What is the dividend yield of Shriram Finance Ltd and when is the next dividend?
Shriram Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹1,001.9, you can expect to receive approximately ₹0.00 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.
06What are the key financial ratios and metrics of Shriram Finance Ltd?
Shriram Finance Ltd's key financial metrics include: P/E Ratio: 18.85, P/B Ratio: 2.86, ROE: 16.38%, ROCE: 11.00%, Dividend Yield: 0.00%, EPS: ₹53.20, Book Value: ₹350.44, and Debt-to-Equity: 274.99. The company's market cap stands at ₹2,35,503.91 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Shriram Finance Ltd stock performing today in the market?
Shriram Finance Ltd stock opened at ₹1,001.65 and is currently trading at ₹1,001.9, showing a decline of ₹0.80 (0.08%). The intraday high is ₹1,007.7 and low is ₹992.3. The trading volume stands at 26,11,538 shares, indicating strong market participation today.
08What is the P/E ratio of Shriram Finance Ltd and what does it indicate?
Shriram Finance Ltd has a Price-to-Earnings (P/E) ratio of 18.85, which means investors are willing to pay ₹18.85 for every ₹1 of earnings. With an EPS of ₹53.20, 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.
The data, ratios and commentary about Shriram Finance Ltd (SHRIRAMFIN) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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