Shriram Finance Limited (IN:SHRIRAMFIN)
:SHRIRAMFIN
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SHRIRAMFIN Stock Chart & Stats
₹1008.80
-₹59.65(-2.02%)
At close: 4:00 PM EST
₹1008.80
-₹59.65(-2.02%)
Day’s Range― - ―
52-Week Range₹566.40 - ₹1,108.00
Previous CloseN/A
Volume995.13K
Average Volume (3M)235.05K
Market Cap
₹2.38T
Enterprise Value₹3.53T
Total Cash (Recent Filing)₹102.02B
Total Debt (Recent Filing)₹1.69T
Price to Earnings (P/E)16.4
Beta1.51
Next Earnings
Jul 24, 2026EPS Estimate
13.11Next Dividend Ex-DateN/A
Dividend Yield1.08%
Share Statistics
EPS (TTM)11.38
Shares Outstanding2,352,686,500
10 Day Avg. Volume215,751
30 Day Avg. Volume235,047
Financial Highlights & Ratios
PEG Ratio3.37
Price to Book (P/B)2.49
Price to Sales (P/S)3.40
P/FCF Ratio8.76
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,200.00Price Target Upside18.95% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)57.04
Revenue Forecast (FY)₹332.71B
Bulls Say, Bears Say
Bulls Say
Consistent Revenue Growth And Strong MarginsMulti-year revenue growth combined with durable ~20%+ net margins indicates sustainable core earnings power. For an NBFC, consistent margins suggest disciplined underwriting, pricing power on loan yields and fee income, supporting long-term profitability despite cycle swings.
Improving Leverage And Solid ROEAn expanded equity base with improving leverage reduces balance-sheet fragility and enhances loss-absorbing capacity. Sustained ROE in the mid-teens shows efficient capital use and supports internal capital generation, helping fund growth without immediate need for dilutive equity.
Diversified Retail/MSME Lending Franchise And DistributionA broad product mix (used/commercial vehicle, MSME, retail) and combined branch plus digital distribution create durable origination capability and client diversification. This structural reach reduces concentration risk and supports fee cross-sell and stable deposit/borrower relationships over time.
Bears Say
High Leverage Increases Funding SensitivityMeaningful leverage typical for lenders nevertheless raises vulnerability to rising funding costs or reduced access to capital markets. In stressed credit cycles higher debt magnifies losses and restricts strategic flexibility, making business outcomes more contingent on funding conditions.
Volatile And Historically Weak Cash GenerationWide swings from multi-year negative cash flow to a single-year positive outcome reduce confidence in earnings convertibility. Irregular cash generation raises reliance on external financing for growth and provisioning, complicating capital planning and increasing refinancing risk in tightened markets.
Signs Of Margin Pressure Since PeakEasing margins after a peak indicate potential structural pressure from higher funding costs, competitive pricing, or mix shifts. For a leveraged lender, sustained margin compression would materially reduce net income sensitivity and impair ability to absorb higher credit costs without capital or pricing adjustments.
Shriram Finance Limited News
SHRIRAMFIN FAQ
What was Shriram Finance Limited’s price range in the past 12 months?
Shriram Finance Limited lowest stock price was ₹566.40 and its highest was ₹1108.00 in the past 12 months.
What is Shriram Finance Limited’s market cap?
Shriram Finance Limited’s market cap is ₹2.38T.
When is Shriram Finance Limited’s upcoming earnings report date?
Shriram Finance Limited’s upcoming earnings report date is Jul 24, 2026 which is in 86 days.
How were Shriram Finance Limited’s earnings last quarter?
Shriram Finance Limited released its earnings results on Apr 24, 2026. The company reported ₹11.38 earnings per share for the quarter, missing the consensus estimate of ₹20.934 by -₹9.554.
Is Shriram Finance Limited overvalued?
According to Wall Street analysts Shriram Finance Limited’s price is currently Undervalued.
Does Shriram Finance Limited pay dividends?
Shriram Finance Limited pays a Quarterly dividend of ₹4.8 which represents an annual dividend yield of 1.08%. See more information on Shriram Finance Limited dividends here
What is Shriram Finance Limited’s EPS estimate?
Shriram Finance Limited’s EPS estimate is 13.11.
How many shares outstanding does Shriram Finance Limited have?
Shriram Finance Limited has 2,352,686,500 shares outstanding.
What happened to Shriram Finance Limited’s price movement after its last earnings report?
Shriram Finance Limited reported an EPS of ₹11.38 in its last earnings report, missing expectations of ₹20.934. Following the earnings report the stock price went up 0.114%.
Which hedge fund is a major shareholder of Shriram Finance Limited?
Currently, no hedge funds are holding shares in IN:SHRIRAMFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Shriram Finance Limited
Shriram Finance Limited, a non-banking finance company, primarily provides commercial vehicle financing services in India. It offers commercial vehicle loans for commercial goods vehicles, passenger vehicles, tractors and farm equipment, and construction equipment. The company also provides business loans; fixed and recurring deposits; and working capital loans, including tyre, tax, fuel, and toll finance, as well as vehicle insurance and repair/top-up loans. In addition, it offers challan discounting services; life and general insurance products; consumer finance services; emergency credit line guarantee schemes; stock broking services; and chit and mutual funds. As of March 31, 2022, it operated a network of 1,854 branches. The company also offers its products through 775 rural centers; and partnerships with 500 private financiers. It primarily serves first time buyers, driver-turned-owners, and small road transport operators. 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 headquartered in Mumbai, India.
SHRIRAMFIN Stock 12 Month Forecast
Average Price Target
₹1,200.00
▲(18.95% Upside)
Technical Analysis
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