Shriram City Union Finance Ltd.

NSE: SHRIRAMCIT  SECTOR: Finance - NBFC

1415
-46.55 (-3.18%)

Price Summary

Today's High

₹ 1428.6

Today's Low

₹ 1404

52 Week High

₹ 1640

52 Week Low

₹ 617

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

9339.710613 Cr.

Advances

26612.5296 Cr.

No. of Shares

6.6005022 Cr.

P/E

10.59

P/B

1.18

Face Value

₹ 10

Div. Yield

0.42%

Book Value (TTM)

₹  1203.2749

Operating Revenue

5884.752 Cr.

Net Profit

1000.52 Cr.

Promoter Holding

34.63%

EPS (TTM)

₹  133.6171

Sales Growth

1.78151622349856 %

ROE

14.7152032661362 %

ROCE

11.8271833590545 %

Profit Growth

1.17729386233691 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

Income Growth (in Cr.)

1 Year1.78%
3 Year9.91%
5 Year11.06%

Profit Growth (in Cr.)

1 Year1.18%
3 Year21.63%
5 Year12.39%

ROE%

1 Year14.72%
3 Year14.9%
5 Year13.74%

ROCE %

1 Year11.83%
3 Year11.89%
5 Year11.94%

ROA%

3.01691638648891

PEG Ratio

9.12

PAT Margin (%)

17.0019059426803

EPS Growth(%)

1.16104706451559

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2020 34.63 0
Sep 2020 34.56 0
Jun 2020 33.92 0
Mar 2020 33.92 0
Dec 2019 33.92 0
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.677641996041379 times the book value
  • The company has delivered substantial profit growth of 21.6283268141531% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 38.9906098460295%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
Operating Revenue 1469.03 1449.51 1411.65 1397.18 1437.9
Other Income 0.83 0.63 2.92 1.94 1.49
Interest Expended 522.2 546.31 537.46 519 521.5
Operating Expenses 536.32 680.58 600.6 499.23 513.27
Total Provisions 0 0 0 0 0
Depreciation 20.87 20.33 20.09 20.46 19.88
Profit Before Tax 390.47 202.92 256.42 360.43 384.74
Tax 93.71 49.84 64.15 103.54 105.04
Net Profit 296.76 153.08 192.27 256.89 279.7

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Operating Income 3834.87 4431.62 5156.73 5781.75 5884.75
Other Income 21.16 2.91 1.74 2.52 3.35
Interest 1383.45 1534.42 1675.52 1998.64 2155.73
Operating Expenses 1028.27 1114.42 1329.01 1450.96 1463.57
Total Provisions 637.46 932.05 1065.46 814.35 913.8
Exceptional Items 0 0 0 0 0
Profit Before Tax 806.84 853.64 1088.47 1520.32 1355
Tax 277.06 297.58 377.53 531.44 354.48
Profit After Tax 529.78 556.06 710.94 988.88 1000.52
Adjusted EPS (Rs.) 80.36 84.32 107.77 149.85 151.59

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 65.93 65.94 65.97 65.99 66
Total Reserves 4445.69 4962.47 5488.69 6325.33 7142.43
Borrowings 9267.54 9814.26 16658.23 18376.66 21028.93
Other N/C liabilities 636.96 1465.16 2297.42 2815.94 3173.27
Current liabilities 6401.09 8184.41 5080.81 4623.33 2709.43
Total Liabilities 20817.22 24492.24 29591.12 32207.26 34120.07
Assets
Loans 6201.66 9911.28 25787.3 26989.11 26612.53
Net Block 84.85 78.16 78.9 80.82 229.22
Capital WIP 0 0 0 0 0
Investments 456.85 485.36 470.95 485.55 382.58
Other Loans 25.49 16.68 2423.54 2920.44 3369.19
Other N/C Assets 35.21 15.32 29.61 45.89 70.22
Current Assets 14013.16 13985.43 800.83 1685.46 3456.34
Total Assets 20817.22 24492.24 29591.12 32207.26 34120.07
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Company Presentations

Company News

Shriram City Union Stock Price Analysis and Quick Research Report. Is Shriram City Union an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Shriram City Union better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 1000.52 Cr and the compounded growth of profit in the past 3 years is 21.6283268141531 %. The PAT margin of Shriram City Union is 17.0019059426803 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Shriram City Union , the EPS grew by 1.16104706451559 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Shriram City Union is at 14.7152032661362 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Shriram City Union is worth at the current levels at Rs 1415. The stock is trading at a current P/E ratio of 4.88167544378718 and the average historical P/E for the last 5 years was 16.6333718190279.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Shriram City Union is trading at a P/B of 1.17595738097753 . The average historical P/B for the last 5 years was 2.07172033778311. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Shriram City Union

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