NSE/SHRIRAMFIN

SHRIRAMFINShriram Finance Ltd

Financial Services · NSE

₹1,036.95+1.39%

52-wk low52-WEEK RANGE52-wk high

₹571.65+81.4% from low ·-6.1% from high₹1,104.6

Price chart · 1M–10Y · daily-close

NSE bhavcopy + 10Y historical

SHRIRAMFIN+66.03% · 1Y

Range high ₹1,108Range low ₹566.5Latest ₹1,036.95252 bars · daily-close · NSE bhavcopy + 10Y history

Financial ServicesCredit ServicesLargecapLow Risk

Stock scorecard

Auto-computed from latest ratios + sector context · not a buy/sell signal

Composite50/100

Performance

High

Amongst the strong performers in the market.

· 52w return +47.5% — strong momentum
· Trades 26.2% above 200-DMA — uptrend intact

Valuation

High

Looks expensive vs the sector.

DVM composite · Durability · Valuation · Momentum

Trendlyne-style 3-axis composite · all drivers shown below · not a buy/sell signal

CompositeC(58/100)

Durability

43/100

Mixed quality signals; requires deeper due diligence.

Show 3 drivers

Piotroski F-score4/8 (50pt)
Debt/Equity2.79 (17pt)
ROE15.1% (60pt)

Valuation

42/100

Trading at a premium — growth must keep delivering to justify.

Show 3 drivers

P/E vs sector (21.5 / 18.5)116% (50pt)
P/B3.24 (30pt)
Dividend yield1.42% (36pt)

Momentum

A+

90/100

Strong, confirmed momentum across price + technicals.

Show 5 drivers

52w change+47.5% (98pt)
DMA-trend alignmentup (75pt)
RSI (14)57.5 (98pt)
Price vs 200-DMA+26.6% (100pt)
MACD regimebullish (75pt)

Valuation positioning

Current ratio vs sector peer distribution

P/E (TTM)21.49

FAIR

CheapestP/E 21.5 near sector median.Most expensive

P/B3.24

FAIR

CheapestP/B 3.24 at 66th %ile of sector.Most expensive

Monthly seasonality

Avg monthly return over 11 years · historical — not a forecast

Best: Nov +6.15% · Worst: Aug -1.70%

Jan

+0.6%

45% win

Feb

+1.9%

42% win

Mar

+0.5%

67% win

Apr

+2.2%

50% win

May

-1.6%

45% win

Jun

+6.1%

Monthly return distribution

Distribution of 135 monthly returns

Mean

+1.82%

Median

+1.31%

Std dev

11.59%

Best

+54.3%

Worst

-44.8%

% positive

53%

SWOT analysis

Auto-derived from ratios + sector context + forensics · research only, not a recommendation

STRENGTHS · 2

Consistent top-line growth (32.4% 3Y CAGR)
Sustained revenue compounding is rare and hard to fake
Strong net margin (40.9%)
High margin indicates pricing power + operating efficiency

WEAKNESSES · 1

Leveraged balance sheet (D/E 2.79)
High debt amplifies earnings volatility in downturns

OPPORTUNITIES · 0

No strong near-term catalysts visible

THREATS · 2

Profit contracting sharply (-22.1% YoY)
Double-digit earnings decline pressures valuation compression
Net debt is 64% of market cap
Financing costs become material in rising-rate regimes

RETURNS · DAILY-CLOSE BASED

3Y+ shown as CAGR

+1.4%

+0.9%

+3.3%

+4.4%

+59.9%

+61.7%

+58.4%

+31.7%

10Y

+20.3%

Fundamentals

VALUATION

Market cap

₹2,45,891 Cr

P/E (TTM)

21.5

P/E (fwd)

16.5

next 12m

P/B

3.24

EV/EBITDA

—

Book value

₹322.11

per share

PROFITABILITY · QUALITY

ROE

15.1%

ROCE

—

Net margin

40.9%

Op margin

61.3%

Gross margin

95.9%

D/E

2.79

GROWTH · MARKET

Rev YoY

+21.4%

Profit YoY

-22.1%

Div yield

1.42%

Payout

21.2%

52w change

+47.5%

Beta

0.65

defensive

Pros and cons

Auto-derived from ratios · not a buy/sell recommendation

PROS · 5

+Forward P/E materially below trailing (16.5x vs 21.5x)Street expects earnings growth that compresses the multiple — positive surprise cushion
+Strong operating margin (61.3%)Meaningful pricing power or cost discipline — above most Indian companies
+Revenue growing at +21.4% YoYGrowth-category territory — implies market-share gains or market expansion
+3-year revenue CAGR of 32.4%Sustained multi-year growth — not a one-quarter flash
+3-year profit CAGR of 52.0%Consistently compounding earnings — the Buffett playbook

CONS · 1

−Leveraged balance sheet (D/E 2.79)High debt amplifies earnings volatility and refinancing risk

Sector-relative context

Financial Services · 58 peers

P/E (TTM)

This stock

21.49

Sector median

18.51

Rank 31/58 (48th %ile)

ROE

This stock

15.1%

Sector median

13.6%

Rank 40/58 (33th %ile)

P/B

This stock

3.24

Sector median

2.13

Rank 38/58 (36th %ile)

Quality score · Piotroski F-score

4 / 8

Mixed quality — several weak points

✓Profitable (positive net income)· Most basic check — company makes money
✓Positive return on assets· Assets generate returns
✗Positive operating cash flow· Profits are backed by real cash, not accruals
✗Operating CF exceeds net profit· Healthy cash conversion — no aggressive revenue recognition
✓Long-term debt decreased YoY· Deleveraging — lower refinancing risk
✗ROA improved YoY· Getting more productive with the asset base
—Operating margin expanded YoY· Pricing power or cost discipline
✗

Analyst consensus

31 analysts · STRONG_BUY

Target mean

₹1160.55

Target high

₹1300.00

Target low

₹1000.00

Upside vs today

+11.0%

Street consensus target is +11.0% vs current price. Consensus is a lagging sentiment read, not a forecast.

Company + balance sheet snapshot

Industry

Credit Services

Employees

77,724

Shares out

235.3

Revenue (TTM)

₹19,908 Cr

Total debt

₹1,69,135 Cr

Cash

₹11,979 Cr

Net debt

₹1,57,155 Cr

Quarterly results

Last 5 quarters · ₹ Cr (Screener.in-grade depth)

Metric	2024-Q3	2024-Q4	2025-Q1	2025-Q2	2025-Q4
Revenue	5,599	5,800	5,422	5,999	6,734
Interest	4,350	4,751	5,224	5,401	5,259
PBT	2,752	4,313	2,772	2,906	3,364
Tax %	24.7%	25.1%

Annual P&L

Last 4 years · ₹ Cr · all line items

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Revenue	9,553	16,931	19,083	22,188
Interest	9,734	12,931	14,803	18,455
Depreciation	135	601	239	280
PBT	3,549	8,214	9,684	12,503
Tax %

Peer	Last close	1Y change	Mcap ₹Cr	P/E	P/B	ROE	D/E	Rev YoY
SHRIRAMFINTHIS Shriram Finance Limited	₹1,036.95	+47.5%	2,45,891	21.5	3.24	15.1%	2.79	+21.4%
HDFCBANK HDFC Bank Limited	₹799.9	-58.5%	12,24,457	17.8	2.17	13.8%	—	-1.8%
SBIN State Bank of India	₹1,080.25	+32.3%	10,22,614	12.1	1.73	14.3%	—	+14.5%
ICICIBANK ICICI Bank Limited	₹1,346.8	-4.5%	9,71,609	18.5	2.78	16.4%	—	+66.9%
BAJFINANCE Bajaj Finance Limited	₹908.25	-90.2%	5,70,505	31.7	5.52	17.4%	3.10	+6.4%
AXISBANK Axis Bank Limited	₹1,359.1	+11.1%	4,21,100	16.1	2.03	13.6%	—	+5.7%
KOTAKBANK Kotak Mahindra Bank Limited	₹383.6	-82.9%	3,77,170	20.1	2.24	11.2%	—	+24.2%
BAJAJFINSV Bajaj Finserv Limited	₹1,838.9	-12.6%	2,92,438	30.5	3.81	12.5%	2.38	+24.8%
SBILIFE SBI Life Insurance Company Limited	₹1,970.9	+21.0%	1,98,863	80.5	10.46	13.9%	—	+144.5%

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Research tool · not investment advice.

Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. Daily OHLCV sourced primarily from our NSE bhavcopy ingest (public sec_bhavdata_full CSV), with Stooq as a fallback for historical gaps. Split + bonus adjusted. Excludes dividends. Not a recommendation. Past performance does not predict future returns. For authoritative live quotes see NSE / BSE directly.

Quarter	EPS estimate	EPS actual	Surprise %
-1q	13.04	13.39	+2.6%
-2q	11.31	12.26	+8.4%
-3q	11.09	11.45	+3.2%
-4q	11.74	11.36	-3.2%

Date	Amount
2025-11-07	₹4.80
2025-07-11	₹3.00
2025-01-31	₹2.50
2024-11-07	₹4.40
2024-07-23	₹3.00
2024-02-06	₹2.00
2023-11-06	₹4.00
2023-06-16	₹4.00
2023-01-03	₹3.00
2022-03-11	₹2.40
2021-11-09	₹1.60
2021-06-16	₹1.20
2021-04-05	₹1.20
2020-11-09	₹1.20
2019-11-07	₹0.97
2019-06-19	₹1.36
2018-11-05	₹0.97
2018-07-18	₹1.17
2017-11-10	₹0.97
2017-06-21	₹1.17

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Equity capital	271	374	376	376
Reserves	12,355	15,700	19,280	24,242
Borrowings	92,919	1,28,689	1,51,766	1,78,840
Total liabilities	1,42,268	2,10,573	2,48,266	2,93,722
Fixed assets	416	760	948	1,037
CWIP	3	9	7	11
Investments	6,997	7,917	9,905	15,836
Total assets	1,42,268	2,10,573	2,48,266	2,93,722

Metric	2022-FY	2023-FY	2024-FY	2025-FY
CF Operating	-8,859	-17,625	-31,118	-43,652
CF Investing	-34	-193	-258	3,661
CF Financing	8,505	11,820	27,626	44,521
Net cash flow	-388	-730	-3,919	4,499
Free cash flow	-8,895	-17,822	-31,364	-43,906

Metric	2025-FY	2024-FY	2023-FY	2022-FY
Net margin %	43.1%	38.6%	35.5%	28.5%
ROE %	43.2%	41.2%	41.9%	21.6%
ROCE %	16.5%	15.5%	16.9%	12.6%
Debt / Equity	7.26	7.72	8.01	7.36
Dividend payout %	20%	26%	9%	31%
Interest coverage	1.7×	1.7×	1.6×	1.4×
Revenue growth YoY	+16.3%	+12.7%	+77.2%	—
Profit growth YoY	+29.7%	+22.5%	+120.9%	—

SHRIRAMFINShriram Finance Ltd

Price chart · 1M–10Y · daily-close

Stock scorecard

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

SWOT analysis

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Peer comparison · Financial Services

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Technical snapshot

Earnings history + surprises

Dividends + splits history

Recent news

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

Stock scorecard

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Balance sheet

Cash flow statement

SWOT analysis

Ratios

Peer comparison · Financial Services