Shriram Finance Limited Logo

Shriram Finance Limited

SHRIRAMFIN.NS

(3.2)
Stock Price

2.831,50 INR

15.92% ROA

16.05% ROE

16.28x PER

Market Cap.

1.251.780.177.700,00 INR

385.99% DER

1.35% Yield

25.79% NPM

Shriram Finance Limited Stock Analysis

Shriram Finance Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Shriram Finance Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (16.76%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

5 ROA

The stock's ROA (2.99%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (1.62x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (6.471), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

10 DER

The company has a high debt to equity ratio (289%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Shriram Finance Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Shriram Finance Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Shriram Finance Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Shriram Finance Limited Revenue
Year Revenue Growth
2003 2.590.123.000
2004 3.466.876.000 25.29%
2005 8.853.458.000 60.84%
2006 13.962.968.000 36.59%
2007 24.390.622.000 42.75%
2008 36.597.805.000 33.35%
2009 44.028.274.000 16.88%
2010 53.123.391.000 17.12%
2011 61.869.117.000 14.14%
2012 41.131.422.000 -50.42%
2013 43.815.066.000 6.12%
2014 45.843.800.000 4.43%
2015 51.241.666.000 10.53%
2016 57.665.000.000 11.14%
2017 70.046.325.000 17.68%
2018 78.521.208.000 10.79%
2019 80.813.200.000 2.84%
2020 81.774.800.000 1.18%
2021 92.921.000.000 12%
2022 168.618.100.000 44.89%
2023 199.599.200.000 15.52%
2023 364.129.900.000 45.18%
2024 383.882.800.000 5.15%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Shriram Finance Limited Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Shriram Finance Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 682.642.000
2004 803.393.000 15.03%
2005 1.368.414.000 41.29%
2006 1.538.848.000 11.08%
2007 1.949.842.000 21.08%
2008 0 0%
2009 2.725.849.000 100%
2010 3.903.874.000 30.18%
2011 283.595.000 -1276.57%
2012 1.577.632.000 82.02%
2013 1.963.691.000 19.66%
2014 1.753.589.000 -11.98%
2015 1.036.836.000 -69.13%
2016 1.404.315.000 26.17%
2017 1.987.707.000 29.35%
2018 926.467.000 -114.55%
2019 592.700.000 -56.31%
2020 1.123.900.000 47.26%
2021 1.127.300.000 0.3%
2022 2.189.400.000 48.51%
2023 0 0%
2023 2.122.400.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Shriram Finance Limited EBITDA
Year EBITDA Growth
2003 613.327.000
2004 825.855.000 25.73%
2005 -1.892.004.000 143.65%
2006 -4.218.791.000 55.15%
2007 -6.537.237.000 35.47%
2008 -10.222.351.000 36.05%
2009 -8.858.144.000 -15.4%
2010 -4.260.261.000 -107.92%
2011 -5.575.323.000 23.59%
2012 50.145.644.000 111.12%
2013 59.086.722.000 15.13%
2014 61.841.687.000 4.45%
2015 67.699.840.000 8.65%
2016 70.198.429.000 3.56%
2017 24.053.823.000 -191.84%
2018 113.441.987.000 78.8%
2019 34.491.000.000 -228.9%
2020 34.269.400.000 -0.65%
2021 134.321.000.000 74.49%
2022 88.229.700.000 -52.24%
2023 101.695.200.000 13.24%
2023 151.001.000.000 32.65%
2024 160.304.800.000 5.8%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Shriram Finance Limited Gross Profit
Year Gross Profit Growth
2003 2.590.123.000
2004 3.466.876.000 25.29%
2005 8.853.458.000 60.84%
2006 13.962.968.000 36.59%
2007 24.364.816.000 42.69%
2008 36.529.088.000 33.3%
2009 44.028.274.000 17.03%
2010 52.560.330.000 16.23%
2011 61.305.008.000 14.26%
2012 41.131.422.000 -49.05%
2013 43.815.066.000 6.12%
2014 45.843.800.000 4.43%
2015 50.045.597.000 8.4%
2016 56.456.516.000 11.36%
2017 60.794.171.000 7.13%
2018 68.618.108.000 11.4%
2019 68.639.500.000 0.03%
2020 67.917.900.000 -1.06%
2021 73.548.700.000 7.66%
2022 136.007.700.000 45.92%
2023 199.599.200.000 31.86%
2023 198.622.200.000 -0.49%
2024 208.534.000.000 4.75%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Shriram Finance Limited Net Profit
Year Net Profit Growth
2003 368.397.000
2004 493.238.000 25.31%
2005 1.414.601.000 65.13%
2006 1.903.971.000 25.7%
2007 3.898.265.000 51.16%
2008 6.124.021.000 36.34%
2009 8.730.256.000 29.85%
2010 12.171.122.000 28.27%
2011 13.088.132.000 7.01%
2012 14.634.279.000 10.57%
2013 13.579.373.000 -7.77%
2014 10.284.445.000 -32.04%
2015 11.836.182.000 13.11%
2016 12.656.341.000 6.48%
2017 15.567.474.000 18.7%
2018 25.756.783.000 39.56%
2019 25.122.700.000 -2.52%
2020 24.988.300.000 -0.54%
2021 27.211.000.000 8.17%
2022 60.110.400.000 54.73%
2023 71.444.400.000 15.86%
2023 73.663.800.000 3.01%
2024 80.912.000.000 8.96%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Shriram Finance Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 8
2004 9 12.5%
2005 9 11.11%
2006 11 10%
2007 20 47.37%
2008 29 34.48%
2009 40 27.5%
2010 53 23.08%
2011 56 7.14%
2012 63 9.68%
2013 58 -6.9%
2014 44 -31.82%
2015 51 12%
2016 54 7.41%
2017 69 20.59%
2018 114 39.82%
2019 105 -7.62%
2020 101 -3.96%
2021 102 0.98%
2022 161 36.25%
2023 190 15.79%
2023 196 3.06%
2024 215 8.84%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Shriram Finance Limited Free Cashflow
Year Free Cashflow Growth
2003 -3.019.799.000
2004 -5.580.076.000 45.88%
2005 -20.016.344.000 72.12%
2006 -25.805.604.000 22.43%
2007 -58.553.216.000 55.93%
2008 -15.886.456.000 -268.57%
2009 8.613.937.000 284.43%
2010 -8.592.666.000 200.25%
2011 -17.156.872.000 49.92%
2012 -84.018.377.000 79.58%
2013 -41.721.780.000 -101.38%
2014 -96.561.262.000 56.79%
2015 -55.437.261.000 -74.18%
2016 -26.792.185.000 -106.92%
2017 -100.798.098.000 73.42%
2018 -59.151.151.000 -70.41%
2019 -31.892.400.000 -85.47%
2020 -42.645.800.000 25.22%
2021 -88.947.700.000 52.06%
2022 -178.218.400.000 50.09%
2023 0 0%
2023 117.260.500.000 100%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Shriram Finance Limited Operating Cashflow
Year Operating Cashflow Growth
2003 -2.784.961.000
2004 -5.567.347.000 49.98%
2005 -19.908.844.000 72.04%
2006 -25.643.379.000 22.36%
2007 -58.027.924.000 55.81%
2008 -15.549.509.000 -273.18%
2009 8.676.878.000 279.21%
2010 -8.482.460.000 202.29%
2011 -16.872.188.000 49.73%
2012 -83.586.255.000 79.81%
2013 -40.547.446.000 -106.14%
2014 -96.108.952.000 57.81%
2015 -55.071.788.000 -74.52%
2016 -26.615.109.000 -106.92%
2017 -100.133.820.000 73.42%
2018 -58.371.446.000 -71.55%
2019 -31.314.400.000 -86.4%
2020 -42.387.600.000 26.12%
2021 -88.590.200.000 52.15%
2022 -176.252.500.000 49.74%
2023 0 0%
2023 119.915.400.000 100%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Shriram Finance Limited Capital Expenditure
Year Capital Expenditure Growth
2003 234.838.000
2004 12.729.000 -1744.91%
2005 107.500.000 88.16%
2006 162.225.000 33.73%
2007 525.292.000 69.12%
2008 336.947.000 -55.9%
2009 62.941.000 -435.34%
2010 110.206.000 42.89%
2011 284.684.000 61.29%
2012 432.122.000 34.12%
2013 1.174.334.000 63.2%
2014 452.310.000 -159.63%
2015 365.473.000 -23.76%
2016 177.076.000 -106.39%
2017 664.278.000 73.34%
2018 779.705.000 14.8%
2019 578.000.000 -34.9%
2020 258.200.000 -123.86%
2021 357.500.000 27.78%
2022 1.965.900.000 81.81%
2023 0 0%
2023 2.654.900.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Shriram Finance Limited Equity
Year Equity Growth
2003 1.315.235.000
2004 2.234.559.000 41.14%
2005 8.388.975.000 73.36%
2006 10.864.125.000 22.78%
2007 18.163.590.000 40.19%
2008 23.166.360.000 21.59%
2009 38.441.205.000 39.74%
2010 48.933.605.000 21.44%
2011 60.326.411.000 18.89%
2012 73.378.716.000 17.79%
2013 85.101.771.000 13.78%
2014 92.658.178.000 8.16%
2015 101.754.833.000 8.94%
2016 515.087.109.000 80.25%
2017 825.520.364.000 37.6%
2018 896.231.790.000 7.89%
2019 936.284.600.000 4.28%
2020 955.889.600.000 2.05%
2021 263.809.400.000 -262.34%
2022 437.995.400.000 39.77%
2023 496.766.900.000 11.83%
2023 466.133.500.000 -6.57%
2024 496.766.900.000 6.17%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Shriram Finance Limited Assets
Year Assets Growth
2003 12.686.278.000
2004 20.078.725.000 36.82%
2005 60.694.416.000 66.92%
2006 108.352.226.000 43.98%
2007 182.683.850.000 40.69%
2008 249.897.323.000 26.9%
2009 269.781.988.000 7.37%
2010 320.935.926.000 15.94%
2011 370.378.457.000 13.35%
2012 476.496.117.000 22.27%
2013 523.223.865.000 8.93%
2014 621.536.144.000 15.82%
2015 680.134.668.000 8.62%
2016 744.505.426.000 8.65%
2017 884.860.471.000 15.86%
2018 1.054.189.585.000 16.06%
2019 1.142.657.900.000 7.74%
2020 1.298.277.800.000 11.99%
2021 1.422.681.600.000 8.74%
2022 2.106.001.500.000 32.45%
2023 2.482.659.400.000 15.17%
2023 2.233.609.600.000 -11.15%
2024 496.766.900.000 -349.63%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Shriram Finance Limited Liabilities
Year Liabilities Growth
2003 11.371.043.000
2004 17.844.166.000 36.28%
2005 52.305.441.000 65.88%
2006 97.488.101.000 46.35%
2007 164.520.260.000 40.74%
2008 226.730.963.000 27.44%
2009 231.340.783.000 1.99%
2010 272.002.321.000 14.95%
2011 310.052.046.000 12.27%
2012 403.117.401.000 23.09%
2013 438.122.094.000 7.99%
2014 528.877.966.000 17.16%
2015 578.379.835.000 8.56%
2016 631.186.107.000 8.37%
2017 758.980.570.000 16.84%
2018 894.561.995.000 15.16%
2019 961.234.800.000 6.94%
2020 1.081.104.900.000 11.09%
2021 1.161.739.000.000 6.94%
2022 1.668.006.100.000 30.35%
2023 1.985.892.500.000 16.01%
2023 1.767.476.100.000 -12.36%
2024 2.063.671.000.000 14.35%

Shriram Finance Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
792.74
Net Income per Share
204.44
Price to Earning Ratio
16.28x
Price To Sales Ratio
4.2x
POCF Ratio
213.38
PFCF Ratio
213.46
Price to Book Ratio
2.52
EV to Sales
10.27
EV Over EBITDA
22.89
EV to Operating CashFlow
521.97
EV to FreeCashFlow
521.97
Earnings Yield
0.06
FreeCashFlow Yield
0
Market Cap
1.251,78 Bil.
Enterprise Value
3.060,94 Bil.
Graham Number
2465.76
Graham NetNet
-5202.61

Income Statement Metrics

Net Income per Share
204.44
Income Quality
0.08
ROE
0.16
Return On Assets
0.15
Return On Capital Employed
0.26
Net Income per EBT
0.74
EBT Per Ebit
0.81
Ebit per Revenue
0.43
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0.02
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.43
Operating Profit Margin
0.43
Pretax Profit Margin
0.35
Net Profit Margin
0.26

Dividends

Dividend Yield
0.01
Dividend Yield %
1.35
Payout Ratio
0
Dividend Per Share
45

Operating Metrics

Operating Cashflow per Share
15.6
Free CashFlow per Share
15.6
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0.16
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
288,13
Book Value per Share
-4.169,01
Tangible Book Value per Share
-4206.44
Shareholders Equity per Share
1321.73
Interest Debt per Share
5527.88
Debt to Equity
3.86
Debt to Assets
3.86
Net Debt to EBITDA
13.53
Current Ratio
0
Tangible Asset Value
-1.580,97 Bil.
Net Current Asset Value
-2.063,67 Bil.
Invested Capital
14067300000
Working Capital
0,00 Bil.
Intangibles to Total Assets
0.03
Average Receivables
1,96 Bil.
Average Payables
1,23 Bil.
Average Inventory
0
Debt to Market Cap
1.53

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Shriram Finance Limited Dividends
Year Dividends Growth
2002 2
2003 2 0%
2004 1 0%
2005 2 50%
2006 3 0%
2007 3 0%
2008 5 50%
2009 6 20%
2010 6 16.67%
2011 6 0%
2012 7 0%
2013 7 0%
2014 8 14.29%
2015 10 22.22%
2016 10 0%
2017 11 10%
2018 11 0%
2019 12 9.09%
2020 6 -83.33%
2021 20 70%
2022 12 -66.67%
2023 55 78.18%
2024 25 -120%

Shriram Finance Limited Profile

About 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.

CEO
Mr. Yalamati Srinivasa Chakrav
Employee
74.645
Address
Wockhardt Towers
Mumbai, 400051

Shriram Finance Limited Executives & BODs

Shriram Finance Limited Executives & BODs
# Name Age
1 Mr. Hardeep Singh Tur
Chief Risk Officer
70
2 Mr. Balasundararao Uppu
Company Secretary & Compliance officer
70
3 Mr. Parag Sharma
MD, Chief Financial Officer & Whole-Time Director
70
4 Mr. S. Sunder
Joint Managing Director
70
5 Mr. Ramasubramanian Chandrasekar B.Com., ICWA
Joint MD & Chief Compliance Officer
70
6 Mr. Yalamati Srinivasa Chakravarti B.Com.
MD, Chief Executive Officer & Director
70
7 Mr. Abhilash Tewari
Head of Internal Audit
70
8 Mr. Umesh Govind Revankar
Executive Vice Chairman
70

Shriram Finance Limited Competitors