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Shriram Finance Limited (SHRIRAMFIN.NS)

INR1,031.70 +17.30 (+1.71%)
IN NSE Financial Services Financial - Credit Services
Address Wockhardt Towers 400051
Mumbai, TN, IN
CEO Parag Sharma
IPO 2002-07-01
ISIN INE721A01047

Explore sections of this company profile

Also trades on Bombay Stock Exchange · SHRIRAMFIN.BO (INR) National Stock Exchange of India · SHRIRAMFIN.NS (INR) National Stock Exchange of India · SRTRANSFIN.NS (INR)
Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR1,031.70 +17.30 (+1.71%)
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Volume Profile
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Liquidity & share structure
Average Volume
7M
Beta
0.59
Float Shares
1.41B
Free Float %
75.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+7.75% +5.06% +3.74% -4.85% +12.61% -4.14% +43.14% +230.80% +223.27% +322.77% +95,993.66%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1,031.70
DCF (Unlevered) 2,639.29 +155.8%
Ratings Trend (MoM) 94% Bullish
Rating 2026-06 Change
Strong Buy 7 0
Buy 23 0
Hold 2 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.73
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth
    +19.9% Q1'26: +17.7% (vs Q1'25)
  • EPS growth
    +29.7% Q1'26: +40.9% (vs Q1'25)
  • FCF margin
    -163.6% Q1'26: -34.3% (vs Q1'25)
  • EBIT margin
    +30.8% Q1'26: +31.3% (vs Q1'25)
  • ROIC
    +4.4% Q1'26: +5.1% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    13.55× Q1'26: 11.05× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.59) × ERP
WACC = 50% × Ke + 50% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 2,606.91 Current price: 1,031.70
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2015
actual
Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
26 Rev. Ana.
28 EPS Ana.
Mar 2027
27 Rev. Ana.
31 EPS Ana.
Mar 2028
27 Rev. Ana.
31 EPS Ana.
Mar 2029
20 Rev. Ana.
24 EPS Ana.
Mar 2030
13 Rev. Ana.
14 EPS Ana.
Revenue
88.85B
est: 42.71B (+108.0%)
103.03B
est: 50.48B (+104.1%)
108.47B
est: 57.08B (+90.0%)
133.88B
est: 67.15B (+99.4%)
154.68B
est: 80.10B (+93.1%)
164.07B
est: 83.62B (+96.2%)
166.83B
est: 84.00B (+98.6%)
192.88B
est: 92.67B (+108.1%)
298.62B
est: 170.92B (+74.7%)
338.86B
est: 200.44B (+69.1%)
406.43B
est: 233.92B (+73.7%)
266.79B
258.57B – 278.01B
+14.1% YoY
333.53B
316.50B – 357.80B
+25.0% YoY
398.49B
366.50B – 431.22B
+19.5% YoY
464.06B
432.99B – 500.21B
+16.5% YoY
550.20B
513.36B – 593.05B
+18.6% YoY
EBITDA
16.93B
est: 11.25B (+50.5%)
18.27B
est: 13.30B (+37.4%)
19.73B
est: 15.04B (+31.2%)
39.33B
est: 17.69B (+122.3%)
38.21B
est: 21.10B (+81.1%)
35.80B
est: 22.02B (+62.5%)
34.15B
est: 22.13B (+54.4%)
36.85B
est: 24.41B (+50.9%)
88.14B
est: 45.02B (+95.8%)
102.52B
est: 52.80B (+94.2%)
131.48B
est: 65.64B (+100.3%)
74.87B
72.56B – 78.02B
+14.1% YoY
93.60B
88.82B – 100.41B
+25.0% YoY
111.83B
102.85B – 121.02B
+19.5% YoY
130.23B
121.51B – 140.37B
+16.5% YoY
154.41B
144.07B – 166.43B
+18.6% YoY
EBIT
16.50B
est: 10.67B (+54.6%)
17.89B
est: 12.61B (+41.9%)
19.38B
est: 14.26B (+35.9%)
38.96B
est: 16.77B (+132.2%)
37.78B
est: 20.01B (+88.8%)
34.39B
est: 20.89B (+64.6%)
32.78B
est: 20.98B (+56.2%)
35.49B
est: 23.15B (+53.3%)
82.14B
est: 42.69B (+92.4%)
96.84B
est: 50.07B (+93.4%)
125.03B
est: 62.17B (+101.1%)
70.91B
68.72B – 73.89B
+14.1% YoY
88.64B
84.12B – 95.09B
+25.0% YoY
105.91B
97.41B – 114.61B
+19.5% YoY
123.34B
115.08B – 132.94B
+16.5% YoY
146.23B
136.44B – 157.62B
+18.6% YoY
Net Income
10.28B
est: 104.21B (-90.1%)
11.84B
est: 21.78B (-45.7%)
12.66B
est: 23.37B (-45.8%)
25.49B
est: 28.99B (-12.1%)
25.76B
est: 38.59B (-33.3%)
25.12B
est: 48.24B (-47.9%)
24.99B
est: 37.31B (-33.0%)
27.21B
est: 35.89B (-24.2%)
60.11B
est: 63.53B (-5.4%)
73.66B
est: 72.29B (+1.9%)
95.54B
est: 90.68B (+5.4%)
91.69B
83.71B – 96.01B
+1.1% YoY
107.58B
98.22B – 119.57B
+17.3% YoY
130.95B
123.63B – 146.38B
+21.7% YoY
154.51B
141.06B – 170.15B
+18.0% YoY
169.05B
154.33B – 186.16B
+9.4% YoY
SGA
2.67B
est: 591.47M (+351.9%)
1.65B
est: 699.10M (+136.0%)
2.20B
est: 790.57M (+178.7%)
1.36B
est: 929.99M (+46.4%)
1.07B
est: 1.11B (-3.5%)
1.21B
est: 1.16B (+4.7%)
1.74B
est: 1.16B (+49.3%)
11.03B
est: 1.28B (+759.1%)
28.70B
est: 2.37B (+1,112.3%)
35.50B
est: 2.78B (+1,178.8%)
41.56B
est: 16.85B (+146.6%)
19.22B
18.63B – 20.03B
+14.1% YoY
24.03B
22.80B – 25.78B
+25.0% YoY
28.71B
26.41B – 31.07B
+19.5% YoY
33.44B
31.20B – 36.04B
+16.5% YoY
39.64B
36.99B – 42.73B
+18.6% YoY
EPS
8.83
est: 55.36 (-84.0%)
10.17
est: 11.57 (-12.1%)
10.87
est: 12.41 (-12.4%)
21.89
est: 15.40 (+42.1%)
22.12
est: 20.50 (+7.9%)
21.58
est: 25.62 (-15.8%)
20.29
est: 19.82 (+2.4%)
20.44
est: 19.07 (+7.2%)
32.11
est: 33.75 (-4.9%)
39.18
est: 38.40 (+2.0%)
50.82
est: 48.17 (+5.5%)
48.71
44.47 – 51.00
+1.1% YoY
57.15
52.17 – 63.52
+17.3% YoY
69.56
65.67 – 77.76
+21.7% YoY
82.08
74.93 – 90.39
+18.0% YoY
89.80
81.98 – 98.89
+9.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-12 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-06-11 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-06-10 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-06-09 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-06-08 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-06-05 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-06-04 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-06-03 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-06-02 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-06-01 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-29 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-27 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-26 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-25 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-22 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-21 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-20 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-19 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-18 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-15 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-14 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-13 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-12 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-11 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-08 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-07 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-06 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-05 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-05-04 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-04-30 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-04-29 B 3/5 3/5 5/5 5/5 1/5 2/5 1/5
2026-04-28 B 3/5 3/5 5/5 5/5 1/5 2/5 1/5
2026-04-27 B 3/5 3/5 4/5 5/5 1/5 2/5 1/5
2026-04-24 C- 1/5 3/5 1/5 1/5 1/5 2/5 1/5
2026-04-23 C- 1/5 3/5 1/5 1/5 1/5 2/5 1/5
2026-04-22 C- 1/5 3/5 1/5 1/5 1/5 2/5 1/5
2026-04-21 C- 1/5 3/5 1/5 1/5 1/5 2/5 1/5
2026-04-20 C- 1/5 3/5 1/5 1/5 1/5 2/5 1/5
2026-04-17 C 2/5 4/5 1/5 1/5 1/5 2/5 1/5
2026-04-16 C 2/5 4/5 1/5 1/5 1/5 2/5 1/5
2026-04-15 C 2/5 4/5 1/5 1/5 1/5 2/5 1/5
2026-04-13 C 2/5 4/5 1/5 1/5 1/5 2/5 1/5
2026-04-10 C 2/5 4/5 1/5 1/5 1/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.55B
OE per share TTM
0.83
Owner's Yield
0.09%
Maintenance CapEx ratio
2.22%
Maint CapEx / Avg PPE
2.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.73M
Shares Outstanding
1.88B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Umesh Govind Revankar Executive Vice Chairman 24M male
Parag Sharma MD, CEO & Whole-Time Director 15M male
Gouse Mohiddi Jilani Joint MD & Chief Operating Officer male
Hardeep Singh Tur Chief Risk Officer male
Nilesh Odedara Joint MD& Chief Sales Officer male
A. Ganesh President & Chief Human Resources Officer male
Sanjay K. Mundra Executive Director of Investor Relations male
Sudarshan Holla Joint MD & Chief Operating Officer male
Sunder Subramanian Joint Managing Director, CFO & Whole Time Director male
Balasundararao Uppu Company Secretary & Compliance officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits