Shriram Finance

Why is Shriram Finance Ltd falling/rising?

As of 25-Aug, Shriram Finance Ltd's stock price is rising, currently at 1,138.00, due to strong performance metrics, including an 83.24% increase over the past year and significant outperformance against the Sensex. Positive fundamentals and high institutional holdings further bolster investor confidence in the stock's upward trend.

As of 25-Aug, Shriram Finance Ltd's stock price is rising, currently at 1,138.00, reflecting an increase of 18.5 (1.65%). This upward movement can be attributed to several positive factors. Over the past week, the stock has gained 2.48%, significantly outperforming the Sensex, which only increased by 0.54%. In the last month, Shriram Finance has shown a robust growth of 13.23%, compared to the Sensex's 2.10%. Year-to-date, the stock has risen by 14.24%, while the Sensex has declined by 8.88%. <BR><BR>The stock's performance over the past year is particularly impressive, with an increase of 83.24%, contrasting sharply with the Sensex's decline of 4.88%. Over three years, the stock has surged by 205.40%, while the Sensex has only increased by 19.68%. Additionally, the stock is currently trading close to its 52-week high, just 1.38% away from Rs 1,153.65, indicating strong investor interest.<BR><BR>Today's trading performance further supports the rise, as Shriram Finance has outperformed its sector by 1.2%. The stock is also trading above its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, suggesting a strong bullish trend. Furthermore, there has been a notable increase in investor participation, with delivery volume rising by 48.24% compared to the 5-day average. <BR><BR>The company's strong fundamentals, including a consistent Return on Equity (ROE) of 13.77%, healthy long-term growth in net sales and operating profit, and positive results over the last 11 consecutive quarters, contribute to investor confidence. High institutional holdings at 74.66% indicate that knowledgeable investors are backing the stock, further supporting its upward trajectory. Overall, these factors collectively explain the rising price of Shriram Finance Ltd.

Which are the latest news on Shriram Finance?

Who are in the management team of Shriram Finance?

The management team of Shriram Finance includes Y S Chakravarti (Managing Director & CEO), Umesh Revankar (Executive Vice Chairman), Parag Sharma (Joint Managing Director & CFO), and several independent and non-executive directors, all of whom guide the company's strategic direction and operations.

The management team of Shriram Finance includes the following key members:<BR><BR>1. **Y S Chakravarti** - Managing Director & CEO<BR>2. **Umesh Revankar** - Executive Vice Chairman<BR>3. **Parag Sharma** - Joint Managing Director & CFO<BR>4. **Jugal Kishore Mohapatra** - Chairman & Independent Director<BR>5. **S Sridhar** - Non-Executive & Independent Director<BR>6. **Pradeep Kumar Panja** - Non-Executive & Independent Director<BR>7. **Maya Sinha** - Independent Director<BR>8. **D V Ravi** - Non-Executive & Non-Independent Director<BR>9. **Ignatius Michael Viljoen** - Non-Executive & Non-Independent Director<BR>10. **U Balasundararao** - Company Secretary & Compliance Officer<BR><BR>This team plays a crucial role in guiding the company's strategic direction and operations.

What does Shriram Finance do?

Shriram Finance Ltd is a large-cap NBFC specializing in commercial vehicle and consumer finance, with a market cap of INR 266,236 Cr and a net profit of 3,453 Cr for June 2026. The company is part of the Shriram Group and has a P/E ratio of 23.00.

Overview:<BR>Shriram Finance Ltd is a large-cap company operating in the Non-Banking Financial Company (NBFC) sector, specializing in various financial services including commercial vehicle finance and consumer finance.<BR><BR>History:<BR>Shriram Finance Ltd is the flagship company of the Shriram Group, which has diversified interests in financial services. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 13,400 Cr (Quarterly Results - Jun 2026)<BR>- Net Profit: 3,453 Cr (Quarterly Results - Jun 2026)<BR>- Market Cap: INR 266,236 Cr (Large Cap)<BR><BR>Key Metrics:<BR>- P/E: 23.00<BR>- Industry P/E: 21<BR>- Dividend Yield: 0.88%<BR>- Debt-Equity: 3.80<BR>- Return on Equity: 15.21%<BR>- Price to Book: 4.01<BR><BR>Contact Details:<BR>- Address: Sri Towers No 14A South Phase, Indl Estate Guindy Chennai Tamil Nadu : 600032<BR>- Tel: 91-44-48524666<BR>- Email: secretarial@stfc.in<BR>- Website: http://www.shriramfinance.in

Who are the peers of the Shriram Finance?

Peers of Shriram Finance include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, SBI Cards, HDB FINANC SER, and M & M Fin. Serv. Shriram Finance shows good management risk and growth, with the highest 1-year return at 82.16%, significantly outperforming Jio Financial, which has the lowest return at -22.84%.

Peers: The peers of Shriram Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, SBI Cards, HDB FINANC SER, and M & M Fin. Serv.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Muthoot Finance, Cholaman.Inv.&Fn, and SBI Cards, while Good management risk is found at Shriram Finance and Aditya Birla Cap. Average management risk is present at Jio Financial, L&T Finance Ltd, and M & M Fin. Serv. For Growth, Excellent growth is noted at Jio Financial, while Good growth is seen at Bajaj Finance, Shriram Finance, Cholaman.Inv.&Fn, Muthoot Finance, Aditya Birla Cap, and M & M Fin. Serv. Below Average growth is found at L&T Finance Ltd, and Average growth is present at SBI Cards and HDB FINANC SER. Excellent capital structure is exhibited by Bajaj Finance, Shriram Finance, Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, and SBI Cards, while Good capital structure is noted at Cholaman.Inv.&Fn and HDB FINANC SER.<BR><BR>Return Snapshot: Shriram Finance has the highest 1-year return at 82.16%, while Jio Financial has the lowest at -22.84%. Shriram Finance's return significantly outperforms Jio Financial. Additionally, Muthoot Finance, Jio Financial, and HDB FINANC SER have negative six-month returns.

How big is Shriram Finance?

As of 14th August, Shriram Finance Ltd has a market capitalization of 265,545.96 Cr, with recent net sales of 49,997.06 Cr and net profit of 11,317.53 Cr over the last four quarters.

As of 14th August, <BR><BR>Market Cap: Shriram Finance Ltd has a market capitalization of 265,545.96 Cr, categorizing it as a Large Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 49,997.06 Cr, while the sum of Net Profit for the same period is 11,317.53 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2026, with Shareholder's Funds amounting to 65,918.59 Cr and Total Assets valued at 3,17,110.60 Cr.

Are Shriram Finance Ltd latest results good or bad?

Shriram Finance Ltd's Q1 FY27 results are positive, with a net profit of ₹3,452.77 crores, up 59.89% year-on-year, and record net sales of ₹13,400.43 crores. However, concerns about high valuation and lower return on equity suggest investors should be cautious despite strong operational performance.

Shriram Finance Ltd's latest results for Q1 FY27 can be considered quite positive overall. The company reported a net profit of ₹3,452.77 crores, which represents a significant year-on-year increase of 59.89% and a quarter-on-quarter growth of 14.29%. This strong profit growth is accompanied by record net sales of ₹13,400.43 crores, marking a 16.16% increase year-on-year and a 7.09% increase from the previous quarter.<BR><BR>Additionally, the profit after tax margin improved to 26.06%, reflecting operational leverage and pricing power. However, there was a slight contraction in the operating margin, which fell to 75.55% from the previous quarter. <BR><BR>Despite the impressive financial performance, the stock experienced a decline of 1.99% post-results, likely due to profit-booking by investors who are weighing the strong operational metrics against the company's stretched valuation multiples. The current price-to-book value stands at 3.58 times, which is above historical averages, raising questions about the sustainability of this premium.<BR><BR>Overall, while the results indicate strong operational momentum and profitability, concerns about valuation and capital efficiency, particularly with a return on equity of 15.21% that lags behind some peers, suggest that investors should remain cautious.

Should I buy, sell or hold Shriram Finance Ltd?

When is the next results date for Shriram Finance Ltd?

The next results date for Shriram Finance Ltd is 24 July 2026.

The next results date for Shriram Finance Ltd is scheduled for 24 July 2026.

Is Shriram Finance overvalued or undervalued?

As of November 28, 2025, Shriram Finance is fairly valued with a PE ratio of 18.41 and has outperformed the Sensex with a year-to-date return of 46.86%, making it a more reasonable investment compared to its peers like Bajaj Finance and Life Insurance.

As of 28 November 2025, Shriram Finance has moved from an expensive valuation grade to fair. The company is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 18.41, an EV to EBIT of 11.85, and a ROE of 14.34%. <BR><BR>In comparison to its peers, Shriram Finance's valuation stands out as more reasonable, particularly against Bajaj Finance, which is considered very expensive with a PE ratio of 35.28, and Life Insurance, which is very attractive with a PE of 11.07. Notably, Shriram Finance has outperformed the Sensex significantly, with a year-to-date return of 46.86% compared to the Sensex's 9.68%, reinforcing its fair valuation in the current market context.

How has been the historical performance of Shriram Finance?

Shriram Finance has shown consistent growth in net sales and profits, with net sales increasing from ₹15,529.15 Cr in March 2019 to ₹41,834.42 Cr in March 2025, and profit after tax rising from ₹2,575.68 Cr to ₹9,553.82 Cr during the same period. Despite challenges in cash flow management, the company has maintained a strong upward trajectory in financial performance.

Answer:<BR>The historical performance of Shriram Finance shows a consistent growth trend in net sales and profits over the years, with significant increases noted in the latest fiscal year ending March 2025.<BR><BR>Breakdown:<BR>Shriram Finance's net sales have risen from 15,529.15 Cr in March 2019 to 41,834.42 Cr in March 2025, indicating a strong upward trajectory. Total operating income has mirrored this growth, reaching 41,834.42 Cr in March 2025, up from 15,529.15 Cr in March 2019. Operating profit (PBDIT) has also increased significantly, from 11,332.50 Cr in March 2019 to 30,049.15 Cr in March 2025, reflecting an operating profit margin of 72.65% in the latest year. Profit before tax has grown from 3,778.27 Cr in March 2019 to 12,502.91 Cr in March 2025, while profit after tax has surged from 2,575.68 Cr to 9,553.82 Cr in the same period. The company's total assets have expanded from 1,14,203.29 Cr in March 2020 to 2,90,027.30 Cr in March 2025, with total liabilities also increasing from 1,14,203.29 Cr to 2,90,027.30 Cr. Cash flow from operating activities has shown a negative trend, with a cash outflow of 43,651.00 Cr in March 2025, although net cash inflow improved to 4,499.00 Cr in the same year. Overall, Shriram Finance has demonstrated robust growth in sales and profitability, despite challenges in cash flow management.

Is Shriram Finance technically bullish or bearish?

As of October 17, 2025, the market trend is neutral with mixed indicators, showing bullish signals on weekly charts but bearish on monthly charts, resulting in moderate indecisiveness overall.

As of 17 October 2025, the technical trend has changed from mildly bearish to sideways. The current stance is neutral, with mixed indicators influencing the outlook. The weekly MACD is bullish, while the monthly MACD is mildly bearish, indicating conflicting signals across time frames. The Bollinger Bands are bullish on both weekly and monthly charts, suggesting potential upward movement. However, daily moving averages remain mildly bearish, which tempers the overall sentiment. The KST and Dow Theory show mild bullishness on the weekly but are mildly bearish on the monthly, adding to the indecisiveness. Overall, the strength of the current neutral stance is moderate, with no strong directional bias.

Who are the top shareholders of the Shriram Finance?

The top shareholders of Shriram Finance include Shriram Capital Private Limited with 17.85%, Foreign Institutional Investors holding 53.58%, and mutual funds with 9.98%. The Government of Singapore is the largest public shareholder at 5.67%, while individual investors hold 4.48%.

The top shareholders of Shriram Finance include a mix of institutional and individual investors. The largest shareholder is Shriram Capital Private Limited, which holds 17.85% of the shares. Foreign Institutional Investors (FIIs) collectively hold a significant 53.58%, making them the majority shareholders. Additionally, mutual funds are represented by 44 schemes, holding 9.98% of the company. The Government of Singapore is the highest public shareholder with a stake of 5.67%. Individual investors account for 4.48% of the holdings. Overall, the ownership structure reflects strong institutional participation alongside notable individual and public investment.

Has Shriram Finance declared dividend?

Yes, Shriram Finance Ltd has declared a 125% dividend, amounting to ₹2.5 per share, with an ex-date of January 31, 2025. The company has shown strong total returns across various periods, including a total return of 548.41% over the past 5 years.

Shriram Finance Ltd has declared a 125% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 125%<BR>- Amount per share: 2.5<BR>- Ex-date: Jan-31-2025<BR><BR>Dividend Yield: 1.52%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, Shriram Finance experienced a price return of 9.27%, a dividend return of 0.40%, leading to a total return of 9.67%.<BR><BR>Over the past year, the company achieved a price return of 37.65%, a dividend return of 7.79%, resulting in a total return of 45.44%.<BR><BR>In the 2-year period, Shriram Finance saw a price return of 142.25%, a dividend return of 20.24%, culminating in a total return of 162.49%.<BR><BR>For the 3-year duration, the price return was 187.4%, with a dividend return of 40.36%, giving a total return of 227.76%.<BR><BR>In the last 4 years, the price return stood at 139.3%, the dividend return was 41.71%, leading to a total return of 181.01%.<BR><BR>Over the past 5 years, the company recorded a price return of 453.48%, a dividend return of 94.93%, resulting in a total return of 548.41%.<BR><BR>Overall, Shriram Finance has declared a significant dividend while also demonstrating strong total returns across various periods, indicating a robust performance for investors.