Shriram Finance Limited
₹825.00-₹16.00 (-1.9%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹1,84,273 Cr
- P/E
- 20.5x
- Revenue
- ₹43,710 Cr
- ROCE
- 22.7%
Price chart
Technical chartScreen technicals →+11.7% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -16.2%
- 3M
- -19.7%
- 6M
- -12.0%
- 1Y
- +11.7%
- 5Y
- +155.1%
52-week range
Day change -₹16.00 (-1.9%) from ₹841 to ₹825 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in SHRIRAMFIN, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 16.1%
Concerns1
- Negative free cash flow (₹38597 Cr)
Rule-based from financial data. Not advice.
About the company
Shriram Finance Limited, a non-banking finance company, provides financing services in India. It offers fixed and recurring deposits; commercial vehicle loans for commercial goods vehicles, passenger commercial vehicles, tractors and farm equipment, and construction equipment; two-wheeler, gold, used car loan, and personal loans; and green finance services.
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Shriram Finance Limited, a non-banking finance company, provides financing services in India. It offers fixed and recurring deposits; commercial vehicle loans for commercial goods vehicles, passenger commercial vehicles, tractors and farm equipment, and construction equipment; two-wheeler, gold, used car loan, and personal loans; and green finance services. The company also provides business loans, such as MSME loans; working capital loans, including tyre, tax, fuel, toll financing, repair/top-up loans, fuel finance, and challan discounting; motor insurance, including four-wheeler, two-wheeler, passenger and goods carrying vehicle insurance products; non motor insurance products, such as personal accident, shri criti care, and home insurance; and life insurance products comprising savings, retirement, child, protection plans, as well as recharges, including mobile recharge, mobile postpaid, landline postpaid, DTH, and FASTag recharge services. In addition, it offers utilities and bills payment services, such as electricity, LPG gas, gas, broadband postpaid, water, and cable tv; financial services and taxes comprising credit card, loan repayment, insurance, municipal services, and recurring deposit; and other services, such as hospital and pathology, housing society, clubs and associations, and education fees. It serves first time buyers, small road transport operators, individuals, micro, small, and medium enterprises (MSMEs), salaried professionals, and self-employed individuals. The company was formerly known as Shriram Transport Finance Company Limited and changed its name to Shriram Finance Limited in November 2022. Shriram Finance Limited was incorporated in 1979 and is based in Mumbai, India.
- Sector
- Financial Services
- Shares outstanding
- 188 Cr shares
- ISIN
- INE721A01047
- BSE code
- 511218
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹1,84,273 Cr
- P/E
- 20.5x
- P/B
- 3.0x
- Earnings yield
- 4.9%
- 52-week high
- ₹1,139.00
- 52-week low
- ₹694.15
Profitability
- ROE
- 17.3%
- ROCE
- 22.7%
- Dividend payout
- 24.0%
- Tax rate
- 26.0%
- Other income, % of PBT
- 0.3%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹43,710 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 25.0%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 16.1%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹25.0 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 66.7%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 35.8%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 23.5%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹27,670 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 74.7%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹4,668 Cr
Solvency and efficiency
- CFO / Net profit
- -3.85
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Revenue | ₹43,710 Cr |
| Interest paid | ₹18,529 Cr |
| Expenses | ₹11,728 Cr |
| Financing profit | ₹13,453 Cr |
| Other income | -₹201 Cr |
| Depreciation | ₹645 Cr |
| Profit before tax | ₹12,606 Cr |
| Tax and other | ₹2,845 Cr |
| Net profit | ₹9,761 Cr |
Revenue and net profit
Revenue grew 25.0% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹17,422 Cr | ₹2,487 Cr |
| FY2022 | ₹19,255 Cr | ₹2,708 Cr |
| FY2023 | ₹29,787 Cr | ₹5,979 Cr |
| FY2024 | ₹34,973 Cr | ₹7,190 Cr |
| FY2025 | ₹43,710 Cr | ₹9,761 Cr |
Cash flows
FY2025: -₹42,275 Cr from operations, -₹38,597 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹4,239 Cr | -₹4,264 Cr |
| FY2022 | -₹8,859 Cr | -₹8,893 Cr |
| FY2023 | -₹15,841 Cr | -₹10,804 Cr |
| FY2024 | -₹27,670 Cr | -₹27,908 Cr |
| FY2025 | -₹42,275 Cr | -₹38,597 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹43,710 Cr+25.0%1Y
- Net profit
- ₹9,761 Cr+35.8%1Y
- Cash from operations
- -₹42,275 Cr
- Free cash flow
- -₹38,597 Cr
- Revenue CAGR, 5Y
- 16.1%
- EBITDA CAGR, 5Y
- 12.3%
- Net profit CAGR, 5Y
- 23.5%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹43,710 Cr | ₹13,453 Cr | — | ₹9,761 Cr | -₹42,275 Cr | -₹38,597 Cr | — | +25.0% | +35.8% |
Monthly returns
Month-by-month returns of SHRIRAMFIN across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹2.9 L Cr |
| Equity capital | ₹376 Cr |
| Reserves | ₹55,904 Cr |
| Borrowings | ₹2.3 L Cr |
| Other liabilities | ₹3,055 Cr |
| Assets | ₹2.9 L Cr |
| Fixed assets | ₹2,914 Cr |
| Capital work in progress | ₹0 Cr |
| Investments | ₹15,599 Cr |
| Other assets | ₹2.8 L Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
SHRIRAMFIN trades at 20.5x earnings against a peer median of 26.9x (a 24% discount).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Shriram Finance LimitedSHRIRAMFINthis companyP/E ↓ discount | ₹1.8 L Cr | 20.5x | 3.0x | 17.3% | — |
| SBI Life Insurance Company LimitedSBILIFE | ₹2.1 L Cr | 85.2x | 11.4x | 14.2% | 95.9x |
| Jio Financial Services LimitedJIOFIN | ₹1.8 L Cr | 258.0x | 6.2x | 2.2% | 330.6x |
| HDFC LIFE INSURANCE COMPANY LIMITEDHDFCLIFE | ₹1.6 L Cr | 85.7x | 9.5x | 11.2% | 153.1x |
| Indian Railway Finance CorporationIRFC | ₹1.6 L Cr | 23.2x | 2.8x | 12.3% | 17.9x |
| MUTHOOT FINANCE LIMITEDMUTHOOTFIN | ₹1.6 L Cr | 21.7x | 5.0x | 18.3% | — |
| Bank Of BarodaBANKBARODA | ₹1.6 L Cr | 8.1x | 1.1x | 14.3% | — |
| Tata Capital LimitedTATACAP | ₹1.5 L Cr | 58.3x | — | 9.2% | — |
| Cholamandalam Investment and Finance Company LtdCHOLAFIN | ₹1.4 L Cr | 30.9x | 5.5x | 18.0% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
SHRIRAMFIN since 1 January, against earlier years.
Historical volatility
SHRIRAMFIN's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 20.0% |
| FY2022 | 19.0% |
| FY2023 | 29.0% |
| FY2024 | 29.0% |
| FY2025 | 31.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹43,710 Cr |
| Costs | |
| Interest | ₹18,529 Cr |
| Expenses | ₹11,728 Cr |
| Financing profitFinancing Profit | ₹13,453 Cr |
| Financing marginFinancing Margin % | 31.0% |
| Other income and charges | |
| Profit before tax | ₹12,606 Cr |
| Tax | |
| Net profitNet Profit | ₹9,761 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹2.9 L Cr |
| Equity capitalEquity Capital | ₹376 Cr |
| Reserves | ₹55,904 Cr |
| BorrowingsBorrowing | ₹2.3 L Cr |
| Other liabilitiesOther Liabilities | ₹3,055 Cr |
| AssetsTotal Assets | ₹2.9 L Cr |
| Fixed assetsFixed Assets | ₹2,914 Cr |
| Capital work in progressCWIP | ₹0 Cr |
| Investments | ₹15,599 Cr |
| Other assetsOther Assets | ₹2.8 L Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹42,275 Cr |
| Investing cash flowCash from Investing Activity | ₹3,678 Cr |
| Financing cash flowCash from Financing Activity | ₹43,265 Cr |
| Change in cashNet Cash Flow | ₹4,668 Cr |
Learn while you research
Academy chapters picked for Shriram Finance Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Growth Investing25% revenue growth is in the top tier, learn how to value growth.7 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read