NSE / BSEFinancial Services
β‚Ή1041.00+3.05+0.29%
P/E20.5Mkt Capβ‚Ή1.84 L CrEV/EBITDA0.0

Shriram Finance Limited

P/E20.5Mkt Capβ‚Ή1.84 L CrEV/EBITDA0.0
Company Profile

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

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–² 64.33% over 1Y
Monthly Returns

Historically, Jun has averaged the highest return (+11.6%); Mar the lowest (-2.1%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026+2.3%Positive MonthJan 2026: +2.32%+5.9%Positive MonthFeb 2026: +5.94%-19.2%Negative MonthMar 2026: -19.24%+7.5%Positive MonthApr 2026: +7.48%+1.1%Neutral MonthMay 2026: +1.07%+10.1%Positive MonthJun 2026: +10.05%-0.2%*Neutral MonthJul 2026: -0.15%β€”β€”β€”β€”β€”
2025-6.0%Negative MonthJan 2025: -5.96%+13.6%Positive MonthFeb 2025: +13.56%+6.2%Positive MonthMar 2025: +6.20%-6.9%Negative MonthApr 2025: -6.85%+4.7%Positive MonthMay 2025: +4.69%+10.4%Positive MonthJun 2025: +10.42%-10.6%Negative MonthJul 2025: -10.65%-7.9%Negative MonthAug 2025: -7.95%+6.1%Positive MonthSep 2025: +6.12%+21.5%Positive MonthOct 2025: +21.48%+13.6%Positive MonthNov 2025: +13.56%+17.2%Positive MonthDec 2025: +17.15%
2024+20.1%Positive MonthJan 2024: +20.12%-1.2%Neutral MonthFeb 2024: -1.16%-3.1%Negative MonthMar 2024: -3.13%+8.0%Positive MonthApr 2024: +7.98%-7.7%Negative MonthMay 2024: -7.68%+23.8%Positive MonthJun 2024: +23.77%+0.7%Neutral MonthJul 2024: +0.69%+9.3%Positive MonthAug 2024: +9.26%+11.7%Positive MonthSep 2024: +11.65%-12.3%Negative MonthOct 2024: -12.28%-3.8%Negative MonthNov 2024: -3.81%-4.2%Negative MonthDec 2024: -4.19%
2023-6.6%Negative MonthJan 2023: -6.57%-6.7%Negative MonthFeb 2023: -6.69%+4.7%Positive MonthMar 2023: +4.74%+5.8%Positive MonthApr 2023: +5.78%+5.0%Positive MonthMay 2023: +5.04%+24.0%Positive MonthJun 2023: +23.95%+9.0%Positive MonthJul 2023: +9.03%+1.7%Neutral MonthAug 2023: +1.74%-0.2%Neutral MonthSep 2023: -0.23%-2.2%Negative MonthOct 2023: -2.23%+6.9%Positive MonthNov 2023: +6.91%+2.2%Positive MonthDec 2023: +2.23%
2022+0.9%Neutral MonthJan 2022: +0.87%-8.4%Negative MonthFeb 2022: -8.43%+1.0%Neutral MonthMar 2022: +0.95%+5.9%Positive MonthApr 2022: +5.93%-2.2%Negative MonthMay 2022: -2.25%+9.2%Positive MonthJun 2022: +9.20%+7.5%Positive MonthJul 2022: +7.49%-1.8%Neutral MonthAug 2022: -1.82%-11.8%Negative MonthSep 2022: -11.80%+2.8%Positive MonthOct 2022: +2.82%+9.2%Positive MonthNov 2022: +9.15%+2.9%Positive MonthDec 2022: +2.90%
2021β€”β€”β€”β€”β€”-7.8%Negative MonthJun 2021: -7.79%+4.3%Positive MonthJul 2021: +4.26%-3.3%Negative MonthAug 2021: -3.35%-3.9%Negative MonthSep 2021: -3.87%+10.6%Positive MonthOct 2021: +10.62%-2.1%Negative MonthNov 2021: -2.12%-13.5%Negative MonthDec 2021: -13.51%
AvgΒ±SD+2.2%Β±9.7%+0.6%Β±8.2%-2.1%Β±9.2%+4.1%Β±5.5%+0.2%Β±4.7%+11.6%Β±10.7%+1.8%Β±6.5%-0.4%Β±5.8%+0.4%Β±8.1%+4.1%Β±11.4%+4.7%Β±6.7%+0.9%Β±10.0%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 1.045x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή 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

Revenueβ‚Ή43.71 K Crβ–² 25.0%
EBITDA Growthβ€”
Net Profitβ‚Ή9.76 K Crβ–² 35.8%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–Ό 233.7%
Revenue CAGR 5Y16.1%
EBITDA CAGR 5Y12.3%
Net Profit CAGR 5Y23.5%
NP Growth 1Y35.8%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή43.71 K Crβ€”β‚Ή9.76 K Crβ€”β€”β€”25.0%35.8%
Mar 2024β‚Ή34.97 K Crβ€”β‚Ή7.19 K Crβ€”β€”β€”17.4%20.3%
Mar 2023β‚Ή29.79 K Crβ€”β‚Ή5.98 K Crβ€”β€”β€”54.7%120.8%
Mar 2022β‚Ή19.25 K Crβ€”β‚Ή2.71 K Crβ€”β€”β€”10.5%8.9%
Mar 2021β‚Ή17.42 K Crβ€”β‚Ή2.49 K Crβ€”β€”β€”5.2%-0.6%
Mar 2020β‚Ή16.56 K Crβ€”β‚Ή2.50 K Crβ€”β€”β€”6.6%-2.4%
Mar 2019β‚Ή15.54 K Crβ€”β‚Ή2.56 K Crβ€”β€”β€”16.3%4.2%
Mar 2018β‚Ή13.36 K Crβ€”β‚Ή2.46 K Crβ€”β€”β€”23.3%95.8%
Mar 2017β‚Ή10.83 K Crβ€”β‚Ή1.26 K Crβ€”β€”β€”5.2%6.7%
Mar 2016β‚Ή10.29 K Crβ€”β‚Ή1.18 K Crβ€”β€”β€”19.1%-4.8%

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue7,8808,63710,29010,82913,35715,53616,56117,42219,25529,78734,97343,71045,596
Finance Costs3,9634,4205,0875,2206,4117,5648,3139,0899,77312,60114,86818,52920,901
Total Expenses2,0682,3413,3883,6523,2524,1714,6834,9325,8168,4929,87711,72812,495
Financing Profit1,8491,8761,8141,9563,6933,8013,5653,4023,6668,69410,22813,45312,200
Financing Margin %23%22%18%18%28%24%22%20%19%29%29%31%27%
Other Income8732145201414181525-2011,685
Depreciation & Amortisation294136343643141137135524569645681
Profit Before Tax1,8281,8421,7811,9243,8023,7783,4393,2783,5498,1859,68412,60613,205
Tax %31%33%34%35%35%32%27%24%24%27%26%23%-
Net Profit / PAT1,2641,2381,1781,2572,4612,5642,5022,4872,7085,9797,1909,76110,172
EPS (β‚Ή)9.999.789.319.9419.4520.2619.7717.6220.0231.9438.2751.9154.10
Dividend Payout %13%18%19%18%10%11%5%18%20%22%24%19%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
Shriram Finance Limitedthis co.β‚Ή1.84 L Crβ‚Ή43.71 K Cr20.503.050.0025.0%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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