Shriram Finance Ltd

SHRIRAMFIN

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Market Cap

₹ 1,60,781 Cr

P/E

18.35

Turned 1 L into 4.01 L in last 5 Years

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Performance

MARKET LEADER

Valuation

REASONABLE

Growth

EXCEPTIONAL

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

HIGH RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Shriram Finance Limited is a diversified financial services company with a core focus on vehicle financing, MSMEs, and personal loans. They are a leader in the organized financing of pre-owned commercial vehicles in India.

The company's disbursement grew by 10.24% year-on-year in Q2 FY'26, with total disbursements reaching Rs. 43,019.17 crore. Their AUM saw a substantial growth of 15.74% over the previous year.

Net interest income grew by 11.77% year-on-year, but there was a slight decline in the net interest margin to 8.19% from 8.74% in the previous year. However, the company aims to reach a margin of 8.5% by Q4 FY'26.

Assets under management exceeded Rs. 2,81,309 crores as of September 2025. The company's PAT rose by 11.39% compared to the previous year.

Despite a competitive market, Shriram Finance maintains a strong asset quality with improvements in gross and net stage 3 asset metrics and a cost-to-income ratio of 27.76%.

Sector

Finance

Industry

Finance - Large

Market Cap

1,60,781 Cr

Volatility

High Risk

P/E Ratio

18.4

Industry P/E

27.6

PEG Ratio

1.2

P/B Ratio

2.7

52W High

871.25

52W Low

493.60

Sales CAGR

25.64%

29.52%

20.37%

10Y

16.86%

Profit CAGR

29.40%

53.33%

31.29%

10Y

26.48%

ROE

TTM

14.45%

15.29%

14.24%

10Y

14.32%

ROCE

TTM

10.99%

10.38%

10.16%

10Y

10.67%

Technicals

‌

Forecasts

No. of Analysts

38

1Y Price Target

836.14 ▼ 1.43%

Q3 EPS Estimate

Q3 Revenue Estimate

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SHRIRAMFIN	854.60	1,60,781 Cr	18.35	2.65	1.16	14.45	10.99	3.29
MUTHOOTFIN	3856.60	1,54,850 Cr	21.20	4.72	0.67	22.25	11.93	4.49
CHOLAFIN	1733.00	1,46,345 Cr	31.50	5.58	0.11	17.91	9.31	2.14
SUNDARMFIN	4790.65	53,358 Cr	27.06	3.53	0.73	13.03	8.79	2.32
M&MFIN	348.40	48,461 Cr	19.64	1.96	1.66	9.96	8.32	1.66
MANAPPURAM	286.10	24,217 Cr	53.88	1.90	1.40	3.53	7.94	0.82
CREDITACC	1275.80	20,460 Cr	153.13	2.86	0.00	1.87	7.65	0.48

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	8,003	8,555	9,301	9,484	9,592	10,090	10,698	11,454	11,536	11,912
Expenses	2,141	2,454	2,748	2,710	2,648	2,836	3,033	3,293	3,062	3,109
Interest	3,488	3,622	3,893	3,990	4,129	4,350	4,751	5,224	5,401	5,525
Financing Profit	2,374	2,480	2,659	2,783	2,815	2,903	2,914	2,937	3,073	3,279
Financing Margin %	29.67	28.99	28.59	29.35	29.35	28.77	27.24	25.64	26.64	27.52
Other Income	5.18	8.97	5.05	14	4.73	7.14	1,561	6.02	6.12	8.89
Depreciation	132	137	152	153	153	159	162	171	173	175
Profit Before Tax	2,248	2,352	2,513	2,644	2,667	2,752	4,313	2,772	2,906	3,113
Tax %	25.46	25.57	25.48	26.41	25.73	24.72	25.06	22.82	25.84	25.80
Net Profit	1,711	1,789	1,872	2,018	2,029	2,150	3,245	2,139	2,155	2,310
EPS in Rs	9.03	9.47	9.90	10.66	10.74	11.36	17.24	11.39	11.47	12.30
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	10,903	13,444	15,529	16,555	17,420	19,255	30,477	36,380	41,834	43,778
Expenses	3,746	3,331	4,224	4,726	4,967	5,855	8,763	10,343	11,810	12,225
Interest	5,186	6,366	7,511	8,270	9,054	9,734	12,931	15,522	18,455	19,726
Financing Profit	1,971	3,747	3,794	3,559	3,399	3,666	8,783	10,514	11,570	11,827
Financing Margin %	18.08	27.87	24.43	21.50	19.51	19.04	28.82	28.90	27.66	27.02
Other Income	1.76	62	28	20	16	19	32	33	25	1,580
Depreciation	35	37	43	141	137	135	601	588	645	665
Profit Before Tax	1,938	3,772	3,778	3,439	3,278	3,549	8,214	9,960	10,949	12,743
Tax %	34.70	35.77	32.14	27.24	24.12	23.70	26.81	25.79	28.13	23.96
Net Profit	1,266	2,546	2,564	2,502	2,487	2,708	6,011	7,391	9,423	9,690
EPS in Rs	—	—	13.69	13.32	13.47	14.54	27.53	39.05	50.73	52.40
Dividend Payout %	7.17	9.79	10.57	4.64	17.74	19.56	21.90	23.00	19.51	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	227	227	227	227	227	253	271	374	376	376
Reserves	9,949	11,105	13,463	15,736	17,915	21,464	25,824	43,138	48,571	56,094
Borrowings	33,599	38,653	82,131	87,914	94,372	1,06,196	1,14,497	1,64,202	1,95,496	2,34,197
Other Liabilities	24,239	24,461	1,539	1,542	1,752	1,997	1,677	2,858	3,823	3,055
Total Liabilities	68,013	74,446	97,360	1,05,419	1,14,266	1,29,910	1,42,268	2,10,573	2,48,266	2,93,722
Fixed Assets	152	134	120	145	487	435	416	3,711	3,717	2,914
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	66	0.00	0.00
Investments	0.00	0.00	2,456	4,126	2,936	3,347	6,971	7,430	9,472	15,788
Other Assets	67,861	74,311	94,784	1,01,148	1,10,843	1,26,128	1,34,881	1,99,366	2,35,077	2,75,020
Total Assets	68,013	74,446	97,360	1,05,419	1,14,266	1,29,910	1,42,268	2,10,573	2,48,266	2,93,722

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-5,507	-2,677	-13,142	-5,535	-2,464	-4,239	-8,859	-17,625	-31,101	-43,652
Cash from Investing Activity	-36	-1.50	86	-76	-55	-25	-34	5,076	-258	3,630
Cash from Financing Activity	2,822	3,017	13,014	5,550	4,579	12,226	8,505	11,820	27,609	44,521
Net Cash Flow	-2,721	338	-42	-62	2,060	7,962	-388	-730	-3,750	4,499

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	25.29%	25.51%	25.48%	25.45%	25.43%	25.42%	25.41%	25.40%	25.40%	25.40%	25.39%	25.39%
FIIs	45.56%	49.78%	55.36%	54.67%	53.96%	53.89%	54.28%	53.27%	53.06%	53.58%	52.62%	49.61%
DIIs	11.14%	11.75%	14.67%	15.18%	15.78%	15.69%	15.24%	16.24%	15.96%	15.33%	16.34%	18.66%
Public	18.02%	12.96%	4.49%	4.70%	4.82%	4.99%	5.07%	5.09%	5.58%	5.69%	5.65%	6.34%
Total Shareholders	1,00,203	99,212	92,227	96,873	1,07,254	1,18,031	1,26,529	1,40,680	1,81,398	2,30,821	2,53,512	2,98,608

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Aug 19, 2024	Bofa securities europe sa	Block	Buy	2,981.50	88.36 Cr	2,96,373	0.01
Aug 19, 2024	Societe generale	Block	Buy	2,981.50	88.36 Cr	2,96,372	0.01
Aug 19, 2024	Marshall wace investment stra...	Block	Sell	2,981.50	176.73 Cr	5,92,745	0.03
Apr 02, 2024	Sanlam life insurance limited	Insider - Promoter Group	Disposal	2,386.00	1,426.83 Cr	59,80,000	1.59
Apr 02, 2024	Shriram value services limited	Insider - Promoter Group	Acquisition	2,386.00	1,426.83 Cr	59,80,000	1.59
Mar 27, 2024	Shriram value services limited	Insider - Promoter Group	Acquisition	2,310.00	1,796.72 Cr	77,78,000	2.07
Mar 27, 2024	Shriram ownership trust	Insider - Promoter Group	Disposal	2,310.00	1,796.72 Cr	77,78,000	2.07
Jan 25, 2024	Bnp paribas arbitrage	Bulk	Buy	2,311.00	0.00 Cr	1	5.31
Jan 25, 2024	Bnp paribas arbitrage	Bulk	Sell	2,302.45	700.27 Cr	30,41,407	0.16
Jan 25, 2024	Marshall wace investment stra...	Block	Buy	2,302.45	3.86 Cr	16,751	0.00

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	8,003	8,555	9,301	9,484	9,592	10,090	10,698	11,454	11,536	11,912
Expenses	2,141	2,454	2,748	2,710	2,648	2,836	3,033	3,293	3,062	3,109
Interest	3,488	3,622	3,893	3,990	4,129	4,350	4,751	5,224	5,401	5,525
Financing Profit	2,374	2,480	2,659	2,783	2,815	2,903	2,914	2,937	3,073	3,279
Financing Margin %	29.67	28.99	28.59	29.35	29.35	28.77	27.24	25.64	26.64	27.52
Other Income	5.18	8.97	5.05	14	4.73	7.14	1,561	6.02	6.12	8.89
Depreciation	132	137	152	153	153	159	162	171	173	175
Profit Before Tax	2,248	2,352	2,513	2,644	2,667	2,752	4,313	2,772	2,906	3,113
Tax %	25.46	25.57	25.48	26.41	25.73	24.72	25.06	22.82	25.84	25.80
Net Profit	1,711	1,789	1,872	2,018	2,029	2,150	3,245	2,139	2,155	2,310
EPS in Rs	9.03	9.47	9.90	10.66	10.74	11.36	17.24	11.39	11.47	12.30
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	10,903	13,444	15,529	16,555	17,420	19,255	30,477	36,380	41,834	43,778
Expenses	3,746	3,331	4,224	4,726	4,967	5,855	8,763	10,343	11,810	12,225
Interest	5,186	6,366	7,511	8,270	9,054	9,734	12,931	15,522	18,455	19,726
Financing Profit	1,971	3,747	3,794	3,559	3,399	3,666	8,783	10,514	11,570	11,827
Financing Margin %	18.08	27.87	24.43	21.50	19.51	19.04	28.82	28.90	27.66	27.02
Other Income	1.76	62	28	20	16	19	32	33	25	1,580
Depreciation	35	37	43	141	137	135	601	588	645	665
Profit Before Tax	1,938	3,772	3,778	3,439	3,278	3,549	8,214	9,960	10,949	12,743
Tax %	34.70	35.77	32.14	27.24	24.12	23.70	26.81	25.79	28.13	23.96
Net Profit	1,266	2,546	2,564	2,502	2,487	2,708	6,011	7,391	9,423	9,690
EPS in Rs	—	—	13.69	13.32	13.47	14.54	27.53	39.05	50.73	52.40
Dividend Payout %	7.17	9.79	10.57	4.64	17.74	19.56	21.90	23.00	19.51	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	227	227	227	227	227	253	271	374	376	376
Reserves	9,949	11,105	13,463	15,736	17,915	21,464	25,824	43,138	48,571	56,094
Borrowings	33,599	38,653	82,131	87,914	94,372	1,06,196	1,14,497	1,64,202	1,95,496	2,34,197
Other Liabilities	24,239	24,461	1,539	1,542	1,752	1,997	1,677	2,858	3,823	3,055
Total Liabilities	68,013	74,446	97,360	1,05,419	1,14,266	1,29,910	1,42,268	2,10,573	2,48,266	2,93,722
Fixed Assets	152	134	120	145	487	435	416	3,711	3,717	2,914
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	66	0.00	0.00
Investments	0.00	0.00	2,456	4,126	2,936	3,347	6,971	7,430	9,472	15,788
Other Assets	67,861	74,311	94,784	1,01,148	1,10,843	1,26,128	1,34,881	1,99,366	2,35,077	2,75,020
Total Assets	68,013	74,446	97,360	1,05,419	1,14,266	1,29,910	1,42,268	2,10,573	2,48,266	2,93,722

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-5,507	-2,677	-13,142	-5,535	-2,464	-4,239	-8,859	-17,625	-31,101	-43,652
Cash from Investing Activity	-36	-1.50	86	-76	-55	-25	-34	5,076	-258	3,630
Cash from Financing Activity	2,822	3,017	13,014	5,550	4,579	12,226	8,505	11,820	27,609	44,521
Net Cash Flow	-2,721	338	-42	-62	2,060	7,962	-388	-730	-3,750	4,499

Overview

Detailed Summary

The company's disbursement grew by 10.24% year-on-year in Q2 FY'26, with total disbursements reaching Rs. 43,019.17 crore. Their AUM saw a substantial growth of 15.74% over the previous year.

Assets under management exceeded Rs. 2,81,309 crores as of September 2025. The company's PAT rose by 11.39% compared to the previous year.

Despite a competitive market, Shriram Finance maintains a strong asset quality with improvements in gross and net stage 3 asset metrics and a cost-to-income ratio of 27.76%.

Sector

Finance

Industry

Finance - Large

Market Cap

1,60,781 Cr

Volatility

High Risk

P/E Ratio

18.4

Industry P/E

27.6

PEG Ratio

1.2

P/B Ratio

2.7

52W High

871.25

52W Low

493.60

Sales CAGR

25.64%

29.52%

20.37%

10Y

16.86%

Profit CAGR

29.40%

53.33%

31.29%

10Y

26.48%

ROE

TTM

14.45%

15.29%

14.24%

10Y

14.32%

ROCE

TTM

10.99%

10.38%

10.16%

10Y

10.67%