Shriram Finance

Shriram Finance Ltd.

NSE: SHRIRAMFIN BSE: 511218 SECTOR: Finance - NBFC  82k   489   71

1408.35
-0.55 (-0.04%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 1426

Today's Low

₹ 1390

52 Week High

₹ 1509

52 Week Low

₹ 1112.55

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 52790.14 Cr.

Advances

₹ 171984.58 Cr.

No. of Shares

37.48 Cr.

P/E

8.83

P/B

1.22

Face Value

₹ 10

Div. Yield

2.49 %

Book Value (TTM)

₹  1150.36

Operating Revenue

₹ 29772.16 Cr.

Net Profit

₹ 5979.34 Cr.

Promoter Holding

25.51 %

EPS (TTM)

₹  159.52

Sales Growth

54.62

ROE

17.32 %

ROCE

12.17%

Profit Growth

120.81 %

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* 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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Index Presence

The company is present in 33 Indices.

NIFTYMIDCAP

NIFTY Midcap 100
34390.1
  354.199999999997 (1.04066588513891%)

NIFTYSERVICE

Nifty Services Sector
24234
  126.950000000001 (0.52660943582894%)

NIFTYFINANCE

Nifty Financial Services
19538.1
  58.4499999999971 (0.300056725865172%)

NTYFIN2550

Nifty Financial Services 25/50
19280.75
  107.150000000001 (0.55884132348647%)

NIFTY500

Nifty 500
16006.7
  128.300000000001 (0.808015920999594%)

NIFTYMIDCAP150

Nifty Midcap 150
12900.8
  143.4 (1.12405349052314%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
11951.45
  132.75 (1.12321998189311%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
10687.7
  97.7000000000007 (0.92256846081209%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
10586.5
  96.6499999999996 (0.921366845093119%)

NIFTY200

Nifty 200
9850.35
  73.9500000000007 (0.75641340370689%)

MIDCAP50

Nifty Midcap 50
9704.75
  76.6000000000004 (0.795583782969733%)

NIFTYTOTALMCAP

Nifty Total Market index
8933.95
  72.5500000000011 (0.818719389712697%)

LIX 15 MIDCAP

Nifty Midcap Liquid 15
8181.35
  69.0500000000002 (0.851176608360138%)

NIFTYMIDSELECT

Nifty Midcap Select
7921.7
  63.3000000000002 (0.805507482439172%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank Index
17849.96
  76.7099999999991 (0.431603674060743%)

NIFTY500VAL50

NIFTY500 Value 50
7476.75
  8.8100000000004 (0.117970953167812%)

NIFTYHIGHBETA

Nifty High Beta 50
2376.63
  8.24000000000024 (0.347915672672161%)

SNXT50

S&P Bse Sensex Next 50
52682.67
  492.549999999996 (0.943761003040411%)

MIDCAP

S&P Bse Mid Cap
27751.75
  298.919999999998 (1.08884949201957%)

BSE500

S&P Bse 500
25431.1
  197.509999999998 (0.782726516520227%)

BSE100

S&P Bse 100
19125.98
  131.829999999998 (0.69405580139148%)

MIDSEL

S&P Bse MidCap Select Index
10355.35
  115 (1.12300849092073%)

MID150

S&P Bse 150 MidCap
9711.62
  110.300000000001 (1.14880037328202%)

BSE200

S&P Bse 200
8072.88
  59.3800000000001 (0.740999563237033%)

LMI250

S&P Bse 250 LargeMidCap
7634.07
  57.5099999999993 (0.759051601254379%)

MSL400

S&P Bse 400 MidSmallCap
7380.29
  81.9799999999996 (1.12327374419556%)

ALLCAP

S&P Bse Allcap
7331.49
  58.4699999999993 (0.803930141811793%)

CARBONEX

S&P Bse Carbonex
3109.57
  21.04 (0.681230229267649%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1132.76
  9.50999999999999 (0.846650344981081%)

SPBSEVIP

S&P Bse Enhanced Value
504.81
  5.72000000000003 (1.14608587629486%)

FIN

S&P Bse Finance
9199.65
  24.0699999999997 (0.262326741197838%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
7532.11
  8.11999999999989 (0.10792146188392%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
7831.22
  27.8800000000001 (0.357282907062872%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year54.62%
3 Year21.61%
5 Year17.48%

Profit Growth

1 Year120.81%
3 Year33.7%
5 Year19.43%

ROE%

1 Year17.32%
3 Year13.76%
5 Year14.7%

ROCE %

1 Year12.17%
3 Year10.8%
5 Year10.93%

ROA%

3.29895012013394

PEG Ratio

0.15

PAT Margin (%)

20.0836620520647

EPS Growth(%)

59.5308333891104

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2023 25.51 0
Dec 2022 25.29 0
Sep 2022 29.37 0
Jun 2022 29.3 0
Mar 2022 26.45 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 6.0202702461237%.
  • The company is trading at 1.09419146382197 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 21.6060696370869%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 18.9327355918382%.

 Limitations

  • Promoter holding has decreased from 29.37% to 25.29%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Operating Revenue 5081.61 5144.81 5347.57 7609.01 7756.33
Other Income 5.98 4.45 3.71 3.28 12.82
Interest Expended 2403.72 2457.93 2590.57 3111.96 3242.19
Operating Expenses 1298.65 1349.51 1285.12 2057.89 2272.71
Total Provisions 0 0 0 0 0
Depreciation 34.6 34.94 34.89 58.09 357.86
Profit Before Tax 1350.62 1306.88 1440.7 2384.35 1896.39
Tax 264.49 341.61 373.83 607.38 588.08
Net Profit 1086.13 965.27 1066.87 1776.97 1308.31

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 15529.15 16555.49 17420.45 19255.17 29772.16
Other Income 102.99 20.87 25.84 25.06 31.13
Interest 7566 8315.33 9090.51 9777.34 12603.36
Operating Expenses 1721.75 1914.56 1845.72 1954 4667.19
Total Provisions 2566.12 2907.8 3232.05 3999.64 4347.85
Exceptional Items 0 0 0 0 0
Profit Before Tax 3778.27 3438.67 3278.01 3549.25 8184.89
Tax 1214.28 936.83 790.75 841.32 2205.55
Profit After Tax 2563.99 2501.84 2487.26 2707.93 5979.34
Adjusted EPS (Rs.) 110.11 107.44 98.29 100.1 159.69

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 226.9 226.88 253.06 270.52 374.43
Total Reserves 15609.38 17778.28 21315.31 25661.67 42932.21
Borrowings 82965.92 92315.94 105479.44 114012.71 157447.19
Other N/C liabilities 3063.61 3081.58 4882.54 5018.52 6034.93
Current liabilities 6263.43 4651.94 2363.78 2543.92 8203.47
Total Liabilities 108129.24 118054.62 134294.13 147507.34 214992.23
Assets
Loans 96751.49 102231.63 108303.04 116665.15 171984.58
Net Block 145.43 486.84 435.34 416.12 3324.08
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 66.08
Investments 3999.07 2798.48 3197.85 6809.16 8565.06
Other Loans 3121 3352.58 5484.92 5956.86 8400.88
Other N/C Assets 17.62 9.27 6.68 6.6 30.81
Current Assets 4094.63 9175.82 16866.3 17653.45 22620.74
Total Assets 108129.24 118054.62 134294.13 147507.34 214992.23
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Promoters 26.45 29.30 29.37 25.29 25.51
shriram capital li... 26.04 25.56 25.08 - -
shriram financial ... - 0.02 0.02 17.93 -
shriram capital pr... - - - - 17.93
shriram value serv... 3.31 - - 3.25 3.47
shriram ownership ... 0.02 - - 2.09 2.09
sanlam life insura... - - - 2.01 2.01
PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Investors 73.55 70.70 70.63 74.71 74.49
piramal enterprise... - - - 8.34 8.34
life insurance cor... 6.05 5.65 3.74 4.37 4.37
fidelity investmen... - 3.97 4.57 - -
dynasty acquisitio... - - - 4.63 -
hdfc trustee compa... - - - - -
sanlam life insura... 2.79 2.80 2.82 - -
mirae asset mutual... - 1.23 - - -
mirae asset mutual... 2.71 - - 2.06 2.15
j p morgan funds 1.83 2.28 2.28 1.26 1.29
tpg india investme... - - - 2.65 2.65
hdfc mutual fund (... 2.58 1.80 - 1.96 -
government pension... 2.40 2.29 2.32 1.92 2.13
government of sing... - - - - -
societe generale - - - - -
hdfc mutual fund ... - - - - 1.97
sbi mutual fund (u... - - - - -
new world fund inc - - - - 1.35
wishbone fund, ltd. 1.67 1.63 1.64 1.21 -
t. rowe price inte... 1.32 1.58 1.61 - -
wishbone fund, ltd - - - - -
investec global st... - - - - -
abu dhabi investme... - - - - -
generation im fund... - - - - -
t. rowe price new ... - - - - -
mfs emerging marke... - - - - -
abu dhabi investme... - - - - -
t. rowe price inte... 1.21 1.25 1.23 - -
platinum asia fund - - - - -
smallcap world fun... - - - - -
stichting deposita... - - - - -
vanguard total int... - - - - -
vanguard emerging ... 1.02 - 1.01 - -
hdfc trustee compa... - - 1.27 - -
fidelity funds - i... - - - - -
college retirement... - - - - -
hdfc life insuranc... - 1.03 - - -
vanguard emerging ... - 1.01 - - -
fidelity funds - s... - - - - 1.00
iepf - 0.38 0.38 - -
investor education... 0.42 - - - -
investor education... - - - 0.33 0.33
llp - - 0.01 - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Shriram Finance informs about business responsibility and sustainability report1 Jun 2023, 9:55AM Shriram Finance informs about outcome of allotment committee meeting 19 May 2023, 5:10PM Shriram Finance informs about loss of share certificate9 May 2023, 4:54PM Shriram Finance informs about issuance of duplicate share certificate5 May 2023, 12:11PM Shriram Finance informs about earnings call transcript2 May 2023, 4:58PM Shriram Finance submits analyst meet intimation28 Apr 2023, 4:58PM Shriram Finance - Quaterly Results27 Apr 2023, 6:26PM Shriram Finance - Quaterly Results27 Apr 2023, 6:26PM Shriram Finance informs about outcome of board meeting25 Apr 2023, 1:10PM Shriram Finance informs about certificate21 Apr 2023, 3:34PM Shriram Finance informs about outcome of committee in meeting25 Mar 2023, 11:58AM Shriram Finance informs about issuance of duplicate share certificates4 Mar 2023, 12:39PM Shriram Finance informs about analyst meet 18 Feb 2023, 12:14PM Shriram Finance informs about certificate18 Feb 2023, 12:04PM Shriram Finance raises Rs 35 crore via NCDs14 Feb 2023, 5:58PM Shriram Finance submits analyst meet intimation14 Feb 2023, 3:05PM Shriram Finance informs about analyst meet 7 Feb 2023, 4:15PM Shriram Finance informs about transcript of earnings call6 Feb 2023, 5:09PM Shriram Finance informs about investors meet3 Feb 2023, 12:48PM Shriram Finance reports over 2-fold jump in Q3 consolidated net profit1 Feb 2023, 10:50AM Shriram Finance - Quaterly Results31 Jan 2023, 5:13PM Shriram Finance - Quaterly Results31 Jan 2023, 5:13PM Shriram Finance - Quaterly Results31 Jan 2023, 5:13PM Dynasty Acquisition divests 2.14% stake in Shriram Finance14 Jan 2023, 11:15AM Shriram Finance informs about analyst meet 10 Jan 2023, 11:48AM Shriram Finance informs about press release9 Jan 2023, 12:03PM Shriram Finance planning to double loan book in 3 years in Uttar Pradesh9 Jan 2023, 10:42AM Shriram Finance informs about disclosures 5 Jan 2023, 2:17PM Shriram Finance secures $100 million long-term funding from ADB31 Dec 2022, 11:28AM Shriram Finance informs about committee meetings for raising funds28 Dec 2022, 5:09PM Shriram Finance informs about press release23 Dec 2022, 12:29PM Shriram Finance touches combined AUM of Rs 33,000 crore in Andhra Pradesh, Telangana 23 Dec 2022, 11:54AM Shriram Finance’s AUM touches Rs 30,000 crore in Tamil Nadu22 Dec 2022, 2:04PM Shriram Finance informs about press release22 Dec 2022, 12:32PM Shriram Finance informs about analyst meet 20 Dec 2022, 5:17PM Shriram Finance informs about issuance of duplicate share certificates20 Dec 2022, 4:34PM Shriram Finance informs about certificate 20 Dec 2022, 4:23PM Shriram Transport Finance, Shriram City Union Finance merged to form Shriram Finance5 Dec 2022, 2:35PM Shriram Transport Finance planning to raise funds via debt securities29 Nov 2022, 10:47AM Shriram Transport Finance Company informs about issuance of duplicate share certificate29 Oct 2022, 3:10PM Shriram Transport Finance raises Rs 115 crore through NCDs27 Oct 2022, 5:26PM Shriram Transport Finance Company to consider raising funds27 Oct 2022, 4:34PM Shriram Trans. Fin - Quaterly Results20 Oct 2022, 3:54PM Shriram Trans. Fin - Quaterly Results20 Oct 2022, 3:54PM Shriram Trans. Fin - Quaterly Results20 Oct 2022, 3:54PM Shriram Transport Finance Company informs about conference call17 Oct 2022, 5:16PM Shriram Transport Finance Company informs about analyst meet7 Oct 2022, 4:05PM Shriram Transport Finance Company informs about committee meetings for raising funds28 Sep 2022, 10:35AM Shriram Transport Finance Company informs about details of loss of certificate22 Sep 2022, 4:44PM Shriram Transport Finance Company informs about analyst meet 22 Sep 2022, 10:24AM

Shriram Finance Stock Price Analysis and Quick Research Report. Is Shriram Finance 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 Finance 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 5979.34 Cr and the compounded growth of profit in the past 3 years is 33.6995599326495 %. The PAT margin of Shriram Finance is 20.0836620520647 %.

  • 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 Finance , the EPS grew by 59.5308333891104 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Shriram Finance is at 17.3203779213803 % 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 Finance is worth at the current levels at Rs 1407.4. The stock is trading at a current P/E ratio of 7.88925918550608 and the average historical P/E for the last 5 years was 10.1951916054639.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Shriram Finance is trading at a P/B of 1.2234 . The average historical P/B for the last 5 years was 1.32127962224739. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Shriram Finance

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