Shriram Finance Limited
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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 16.1%
Concerns0
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ43.71 K Cr | β | βΉ9.76 K Cr | β | β | β | 25.0% | 35.8% |
| Mar 2024 | βΉ34.97 K Cr | β | βΉ7.19 K Cr | β | β | β | 17.4% | 20.3% |
| Mar 2023 | βΉ29.79 K Cr | β | βΉ5.98 K Cr | β | β | β | 54.7% | 120.8% |
| Mar 2022 | βΉ19.25 K Cr | β | βΉ2.71 K Cr | β | β | β | 10.5% | 8.9% |
| Mar 2021 | βΉ17.42 K Cr | β | βΉ2.49 K Cr | β | β | β | 5.2% | -0.6% |
| Mar 2020 | βΉ16.56 K Cr | β | βΉ2.50 K Cr | β | β | β | 6.6% | -2.4% |
| Mar 2019 | βΉ15.54 K Cr | β | βΉ2.56 K Cr | β | β | β | 16.3% | 4.2% |
| Mar 2018 | βΉ13.36 K Cr | β | βΉ2.46 K Cr | β | β | β | 23.3% | 95.8% |
| Mar 2017 | βΉ10.83 K Cr | β | βΉ1.26 K Cr | β | β | β | 5.2% | 6.7% |
| Mar 2016 | βΉ10.29 K Cr | β | βΉ1.18 K Cr | β | β | β | 19.1% | -4.8% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 45,596 |
| Finance Costs | 20,901 |
| Total Expenses | 12,495 |
| Financing Profit | 12,200 |
| Financing Margin % | 27% |
| Other Income | 1,685 |
| Depreciation & Amortisation | 681 |
| Profit Before Tax | 13,205 |
| Tax % | - |
| Net Profit / PAT | 10,172 |
| EPS (βΉ) | 54.10 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Shriram Finance Limitedthis co. | βΉ1.84 L Cr | βΉ43.71 K Cr | 20.50 | 3.05 | 0.00 | 25.0% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |