Shriram Finance

₹960.05As of Sun 8 Nov 2026, 12:00 UTC

NSE:SHRIRAMFINFinancials

Country India

PE (Fwd) 12.91

TSR 10Y CAGR 17.99%

Div yield 1.12%

ROTE —

Credit Services

Beta (5Y) 0.67

PE TTM 18.03

TSR TTM 30.73%

Mkt cap ₹2.269T

NIM —

SE Grade™

—

Value

Quality

—

Moat

—

1Y Price

Reference

₹1,038

8.11%

(15.91%)

Price above Reference Value

TTM

FYE 31 Mar INR

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026

FY2027E

Trend

10Y

Peers

260.5

Revenue₹B

—

94.71

172.1

197.0

228.9

260.5

310.5

28.78%

13.76

Revenue growth%

—

81.70

14.48

16.22

13.76

19.21

15.35

—

NIM%

—

28.42

Effic. R.%

—

26.95

29.83

29.12

28.94

28.42

28.51

28.94

—

38.49

Net margin%

—

28.73

34.93

37.39

41.73

38.49

38.68

37.39

18.03

P/E ratio (avg)x

—

12.94

7.972

10.26

11.66

14.86

15.05

11.66

—

P/TBVx

—

P/Bx

—

251.4

NII₹B

—

89.12

162.8

188.0

218.5

251.4

299.7

29.60%

—

15.03

NII grth%

—

82.69

15.46

16.26

15.03

19.23

15.86

—

ROTE%

—

Return on equity%

—

Return on assets%

—

53.25

EPS₹

—

20.44

31.97

39.14

50.75

53.25

63.80

27.04%

—

4.92

EPS growth%

—

56.35

22.44

29.67

4.92

19.81

26.06

—

Bookvalue per sh₹

—

TBV/sh₹

—

10.80

Dividend per sh₹

—

4.00

7.00

9.00

9.90

10.80

11.40

28.19%

—

1.12

Div yield (avg)%

—

1.51

2.75

2.24

1.67

1.36

1.19

1.67

46.46

Payout ratio%

—

19.57

21.90

22.99

19.51

46.46

17.87

21.90

1.883

Shares (diluted)B

—

1.331

1.881

1.882

1.883

◌1.883

9.05%

(0.01)

Buyback yield%

—

(41.28)

(0.09)

(0.02)

(0.01)

◌—

(0.05)

—

Eq/Assets%

—

Assets₹M

—

LT debt₹M

—

Peers (US$24.05B)

Cap (US$)

Cholamandalam Investme…

16.24B

24.44x

Tata Capital Limited

16.05B

25.40x

Muthoot Finance Limited

12.27B

9.442x

Affirm Holdings, Inc.

23.09B

11.83x

Capital

TTM

10Y

Tang eq%

—

LT debt%

—

Cash%

—

Sh yield%

1.12

1.51

Owners

Insiders/Inst%

—

52.75

Short interest%

—

SBC / revenue%

0.18

Record

10Y

Profitable years

5/5

Revenue growth years

4/4

EPS growth years

4/4

Dividend streakyrs

ROE range%

—

$1 testx

—

Incr. ROIC%

—

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.

Growth vs revenue

Latest

Trend

4Y CAGR

Rel growth

Revenue

₹260.5B

28.78%

1.00×

Non-interest expense

₹74.03B

30.50%

1.05×

Revenue mix

Trend

Net interest income

96.52%

Non-interest income

3.48%

Reinvestment returns

n/m

Trend

Retention rate

n/m

Return on capital

n/m

Spread over hurdle

n/m