Shriram Finance Ltd
SHRIRAMFIN
Finance
₹ 632.85
Price
₹ 119,015
Market Cap
Large Cap
13.99
P/E Ratio
📊 Score Snapshot
6.09 / 25
Performance
25 / 25
Valuation
3.27 / 20
Growth
7.0 / 30
Profitability
41.36 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -249.76 | -171.31 | -112.45 | -100.77 | -71.98 | -37.16 | -61.70 | -118.77 |
| Adj Cash PAT | -46,940 | -32,158 | -21,042 | -13,628 | -10,157 | -4,700 | -7,807 | -15,032 |
| Adj Cash PAT To PAT | -4.28 | -4.18 | -3.50 | -5.01 | -4.07 | -1.87 | -3.03 | -5.72 |
| Adj EPS | 58.17 | 40.81 | 32.11 | 20.11 | 17.70 | 19.87 | 20.36 | 20.78 |
| Adj Number Of Shares | 188.03 | 187.91 | 187.20 | 135.24 | 141.11 | 126.49 | 126.52 | 126.56 |
| Adj PE | 12.49 | 12.90 | 7.85 | 11.72 | 16.64 | 5.11 | 11.70 | 15.32 |
| Adj Peg | 0.29 | 0.48 | 0.13 | 0.86 | - | - | - | 0.14 |
| Bvps | 300.32 | 264.37 | 233.97 | 192.95 | 153.90 | 143.43 | 126.17 | 108.17 |
| Cash Revenue | 44,131 | 71,529 | 61,157 | 38,140 | 34,741 | 33,134 | 31,061 | 26,990 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 0.99 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 1.51 | 1.79 | 2.80 | 1.71 | 1.08 | 0.98 | 0.94 | 0.65 |
| Fcfe | -12,115 | -13,119 | -14,843 | -11,978 | -3,238 | -446.27 | -3,747 | -15,060 |
| Fcfe Margin | -27.45 | -18.34 | -24.27 | -31.40 | -9.32 | -1.35 | -12.06 | -55.80 |
| Fcfe To Adj PAT | -1.11 | -1.70 | -2.47 | -4.40 | -1.30 | -0.18 | -1.45 | -5.73 |
| Market Cap | 119,860 | 94,660 | 47,169 | 31,902 | 41,558 | 12,840 | 30,129 | 39,040 |
| PB | 2.12 | 1.91 | 1.08 | 1.22 | 1.91 | 0.71 | 1.89 | 2.85 |
| PE | 12.55 | 12.85 | 7.85 | 11.72 | 16.63 | 5.11 | 11.70 | 15.32 |
| Peg | 0.42 | 0.58 | 0.13 | 0.86 | - | - | 10.71 | 0.15 |
| PS | 2.73 | 1.33 | 0.77 | 0.83 | 1.19 | 0.39 | 0.97 | 1.45 |
| ROE | 20.65 | 16.48 | 17.22 | 11.38 | 12.54 | 14.74 | 17.37 | 21.02 |
| Share Price | 637.45 | 503.75 | 251.97 | 235.89 | 294.51 | 101.51 | 238.14 | 308.47 |
📊 Quarterly Results
| Metric | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 11,536 | 11,454 | 21,396 | 20,180 | 19,197 | 18,968 | 17,844 | 17,110 | 16,006 | 15,932 | 15,590 | 15,166 | 14,266 | 10,164 |
| Interest | 5,401 | 5,224 | 4,751 | 4,350 | 4,129 | 3,988 | 3,707 | 3,622 | 3,488 | 3,361 | 3,241 | 3,305 | 3,026 | 2,404 |
| Expenses - | 3,062 | 3,293 | 3,033 | 2,836 | 2,661 | 2,712 | 2,634 | 2,454 | 2,141 | 2,341 | 2,082 | 2,108 | 2,233 | 1,299 |
| Financing Profit | 3,073 | 2,937 | 2,914 | 2,903 | 2,815 | 2,783 | 2,581 | 2,480 | 2,374 | 2,265 | 2,473 | 2,170 | 1,875 | 1,379 |
| Financing Margin % | 26.64 | 25.64 | 13.62 | 14.39 | 14.66 | 14.67 | 14.46 | 14.49 | 14.83 | 14.22 | 15.86 | 14.31 | 13.14 | 13.57 |
| Other Income - | 6.12 | 6.02 | 7.16 | 7.14 | 4.73 | 14.14 | 4.91 | 8.97 | 5.18 | 13.30 | 3.33 | 10.63 | 5.11 | 5.98 |
| Exceptional Items | -0.05 | - | 1,567 | 78.63 | 48.88 | 72.46 | 54.04 | 38.43 | 35.70 | - | - | - | - | - |
| Depreciation | 173.00 | 171.00 | 162.00 | 159.00 | 153.00 | 153.00 | 147.00 | 137.00 | 132.00 | 427.00 | 61.00 | 57.00 | 56.00 | 35.00 |
| Profit Before Tax | 2,906 | 2,772 | 4,326 | 2,830 | 2,715 | 2,717 | 2,494 | 2,391 | 2,283 | 1,851 | 2,415 | 2,124 | 1,823 | 1,351 |
| Tax % | 25.71 | 22.66 | 24.90 | 23.92 | 25.19 | 25.62 | 24.86 | 25.05 | 25.01 | 30.42 | 25.38 | 25.66 | 25.84 | 19.25 |
| Net Profit - | 2,159 | 2,144 | 3,249 | 2,153 | 2,031 | 2,021 | 1,874 | 1,792 | 1,712 | 1,288 | 1,802 | 1,579 | 1,352 | 1,091 |
| Profit From Associates | 4.00 | 4.00 | 3.00 | 3.00 | 1.00 | 3.00 | 1.00 | 3.00 | 1.00 | 3.00 | 2.00 | 3.00 | 1.00 | 5.00 |
| Minority Share | - | - | -2.00 | -13.00 | -8.00 | -12.00 | -7.00 | -6.00 | -7.00 | -3.00 | -3.00 | -2.00 | -1.00 | - |
| Exceptional Items At | - | - | 1,105 | 79.00 | 49.00 | 72.00 | 54.00 | 38.00 | 36.00 | - | - | - | - | - |
| Profit Excl Exceptional | 2,159 | 2,144 | 2,144 | 2,075 | 1,982 | 1,949 | 1,820 | 1,753 | 1,676 | 1,288 | 1,802 | 1,579 | 1,352 | - |
| Profit For PE | 2,159 | 2,144 | 2,143 | 2,062 | 1,974 | 1,937 | 1,812 | 1,748 | 1,670 | 1,285 | 1,799 | 1,576 | 1,351 | 1,091 |
| Profit For EPS | 2,159 | 2,144 | 3,247 | 2,140 | 2,023 | 2,009 | 1,866 | 1,786 | 1,705 | 1,285 | 1,799 | 1,576 | 1,351 | 1,091 |
| EPS In Rs | 11.48 | 11.40 | 17.27 | 11.39 | 10.76 | 10.69 | 9.94 | 9.52 | 9.10 | 6.86 | 9.61 | 11.65 | 9.99 | 8.07 |
| PAT Margin % | 18.72 | 18.72 | 15.19 | 10.67 | 10.58 | 10.65 | 10.50 | 10.47 | 10.70 | 8.08 | 11.56 | 10.41 | 9.48 | 10.73 |
| PBT Margin | 25.19 | 24.20 | 20.22 | 14.02 | 14.14 | 14.32 | 13.98 | 13.97 | 14.26 | 11.62 | 15.49 | 14.01 | 12.78 | 13.29 |
| Tax | 747.00 | 628.00 | 1,077 | 677.00 | 684.00 | 696.00 | 620.00 | 599.00 | 571.00 | 563.00 | 613.00 | 545.00 | 471.00 | 260.00 |
| Yoy Profit Growth % | 9.00 | 11.00 | 18.00 | 18.00 | 18.00 | 51.00 | 1.00 | 11.00 | 24.00 | 18.00 | 162.00 | 104.00 | 696.00 | 44.00 |
| Adj PAT | 2,159 | 2,144 | 4,426 | 2,213 | 2,068 | 2,075 | 1,915 | 1,821 | 1,739 | 1,288 | 1,802 | 1,579 | 1,352 | 1,091 |
| Adj PAT Margin | 18.71 | 18.72 | 20.68 | 10.97 | 10.77 | 10.94 | 10.73 | 10.64 | 10.86 | 8.08 | 11.56 | 10.41 | 9.48 | 10.73 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 43,941 | 71,361 | 60,984 | 38,510 | 34,844 | 33,122 | 31,072 | 27,004 | 21,806 | 20,718 | 18,354 | 16,952 |
| Interest | 18,529 | 14,868 | 12,987 | 9,773 | 9,089 | 8,313 | 7,564 | 6,409 | 5,219 | 5,088 | 4,706 | 4,233 |
| Expenses - | 12,279 | 9,877 | 8,706 | 5,816 | 4,932 | 4,683 | 4,171 | 3,288 | 3,712 | 3,447 | 2,781 | 2,244 |
| Financing Profit | 13,132 | 10,228 | 8,799 | 3,666 | 3,402 | 3,565 | 3,801 | 3,805 | 1,972 | 1,824 | 1,691 | 1,999 |
| Financing Margin % | 29.89 | 14.33 | 14.43 | 9.52 | 9.76 | 10.76 | 12.23 | 14.09 | 9.04 | 8.80 | 9.21 | 11.79 |
| Other Income - | -1,670 | -177.00 | 17.00 | 19.00 | 14.00 | 13.00 | 21.00 | 4.00 | 2.00 | 3.00 | 3.00 | 1.00 |
| Exceptional Items | 1,827 | 403.00 | -1.00 | -1.00 | -1.00 | 1.00 | -1.00 | 123.00 | - | - | - | 3.00 |
| Depreciation | 645.00 | 569.00 | 601.00 | 135.00 | 137.00 | 141.00 | 43.00 | 37.00 | 35.00 | 38.00 | 43.00 | 33.00 |
| Profit Before Tax | 12,644 | 9,884 | 8,214 | 3,549 | 3,278 | 3,439 | 3,778 | 3,896 | 1,938 | 1,789 | 1,650 | 1,970 |
| Tax % | 24.26 | 25.14 | 26.71 | 23.33 | 23.76 | 26.96 | 31.82 | 34.57 | 34.67 | 33.82 | 37.70 | 31.07 |
| Net Profit - | 9,576 | 7,399 | 6,020 | 2,721 | 2,499 | 2,512 | 2,576 | 2,549 | 1,266 | 1,184 | 1,028 | 1,358 |
| Profit From Associates | 12.00 | 8.00 | 9.00 | 13.00 | 12.00 | 10.00 | 12.00 | 3.00 | - | - | - | - |
| Minority Share | -22.00 | -33.00 | -9.00 | - | - | - | - | - | - | - | - | - |
| Exceptional Items At | 1,348 | 333.00 | -1.00 | -1.00 | - | 1.00 | - | 81.00 | - | - | - | 2.00 |
| Profit Excl Exceptional | 8,228 | 7,066 | 6,021 | 2,722 | 2,499 | 2,511 | 2,576 | 2,468 | 1,266 | 1,184 | 1,029 | 1,356 |
| Profit For PE | 8,209 | 7,035 | 6,012 | 2,722 | 2,499 | 2,511 | 2,576 | 2,468 | 1,266 | 1,184 | 1,029 | 1,356 |
| Profit For EPS | 9,554 | 7,366 | 6,011 | 2,721 | 2,499 | 2,512 | 2,576 | 2,549 | 1,266 | 1,184 | 1,028 | 1,358 |
| EPS In Rs | 50.81 | 39.20 | 32.11 | 20.12 | 17.71 | 19.86 | 20.36 | 20.14 | 10.00 | 9.35 | 8.13 | 10.73 |
| Dividend Payout % | 19.00 | 23.00 | 22.00 | 20.00 | 18.00 | 5.00 | 11.00 | 10.00 | 7.00 | 19.00 | 22.00 | 12.00 |
| PAT Margin % | 21.79 | 10.37 | 9.87 | 7.07 | 7.17 | 7.58 | 8.29 | 9.44 | 5.81 | 5.71 | 5.60 | 8.01 |
| PBT Margin | 28.77 | 13.85 | 13.47 | 9.22 | 9.41 | 10.38 | 12.16 | 14.43 | 8.89 | 8.64 | 8.99 | 11.62 |
| Tax | 3,068 | 2,485 | 2,194 | 828.00 | 779.00 | 927.00 | 1,202 | 1,347 | 672.00 | 605.00 | 622.00 | 612.00 |
| Adj PAT | 10,960 | 7,701 | 6,019 | 2,720 | 2,498 | 2,513 | 2,575 | 2,629 | 1,266 | 1,184 | 1,028 | 1,360 |
| Adj PAT Margin | 24.94 | 10.79 | 9.87 | 7.06 | 7.17 | 7.59 | 8.29 | 9.74 | 5.81 | 5.71 | 5.60 | 8.02 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | 2,316 | - | 1,976 | - | 1,430 | 413.00 | 123.00 | 87.00 | 54.00 | 20.00 |
| Advance From Customers | 58.00 | - | 19.00 | - | 37.00 | 23.00 | 14.00 | 9.00 | 15.00 | - |
| Average Total Assets | 270,994 | 249,224 | 229,420 | - | 176,420 | 136,089 | 122,088 | 109,842 | 101,390 | 85,903 |
| Average Total Equity | 53,074 | 49,878 | 46,738 | - | 34,947 | 23,906 | 19,930 | 17,052 | 14,826 | 12,511 |
| Borrowing | 234,197 | - | 195,496 | - | 164,202 | 114,846 | 106,546 | 94,735 | 87,914 | 82,131 |
| Cwip | - | - | - | - | 66.00 | - | - | - | - | - |
| Cash Equivalents | 21,366 | 17,154 | 7,971 | 11,159 | 16,307 | 16,355 | 16,442 | 7,315 | 3,981 | 3,675 |
| Fixed Assets | 2,914 | 3,215 | 3,718 | 3,753 | 3,714 | 418.00 | 437.00 | 489.00 | 147.00 | 122.00 |
| Gross Block | 5,230 | - | 5,694 | - | 5,143 | 831.00 | 560.00 | 576.00 | 201.00 | 143.00 |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Investments | 15,788 | 11,616 | 9,472 | 7,917 | 7,430 | 6,971 | 3,347 | 2,936 | 4,126 | 2,456 |
| Lease Liabilities | - | - | - | 656.00 | - | - | - | 363.00 | - | - |
| Loans N Advances | 438.00 | 224,655 | 601.00 | - | 726.00 | 235.00 | 178.00 | 255.00 | 113.00 | 102.00 |
| Long Term Borrowings | - | 207,820 | - | 173,782 | - | - | - | 92,355 | 82,992 | 76,961 |
| Net Debt | -37,154 | 179,050 | 178,053 | 155,362 | 140,465 | 91,520 | 86,757 | 84,484 | 79,807 | 76,000 |
| Non Controlling Interest | - | 751.00 | 730.00 | 307.00 | 287.00 | - | - | - | - | - |
| Other Asset Items | 253,166 | 18,423 | 226,453 | 200,507 | 182,313 | 118,283 | 109,498 | 103,261 | 97,043 | 90,991 |
| Other Borrowings | - | - | 195,496 | - | 164,202 | 114,846 | 106,546 | - | - | - |
| Other Liability Items | 2,698 | 13,827 | 2,828 | 1,963 | 2,220 | 1,138 | 1,481 | 1,236 | 1,394 | 1,319 |
| Reserves | 56,094 | 52,016 | 48,571 | 45,931 | 43,138 | 25,824 | 21,464 | 17,915 | 15,736 | 13,463 |
| Share Capital | 376.00 | 376.00 | 376.00 | 375.00 | 374.00 | 271.00 | 253.00 | 227.00 | 227.00 | 227.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | 2,016 | 4,922 | 5,170 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 293,722 | 275,087 | 248,266 | 223,361 | 210,573 | 142,268 | 129,910 | 114,266 | 105,419 | 97,360 |
| Total Borrowings | - | 207,820 | 195,496 | 174,438 | 164,202 | 114,846 | 106,546 | 94,735 | 87,914 | 82,131 |
| Total Equity | 56,470 | 53,143 | 49,677 | 46,613 | 43,799 | 26,095 | 21,717 | 18,142 | 15,963 | 13,690 |
| Total Equity And Liabilities | 293,722 | 275,087 | 248,266 | 223,361 | 210,573 | 142,268 | 129,910 | 114,266 | 105,419 | 97,360 |
| Total Liabilities | 237,252 | 221,944 | 198,589 | 176,748 | 166,774 | 116,173 | 108,193 | 96,124 | 89,456 | 83,670 |
| Trade Payables | 299.00 | 298.00 | 246.00 | 346.00 | 313.00 | 166.00 | 153.00 | 144.00 | 133.00 | 220.00 |
| Trade Receivables | 51.00 | 24.00 | 52.00 | 25.00 | 17.00 | 5.00 | 9.00 | 10.00 | 8.00 | 14.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 44,521 | 27,626 | 11,820 | 8,505 | 12,226 | 4,579 | 5,550 | 13,014 |
| Cash From Investing Activity | 3,630 | -427.00 | 5,076 | -34.00 | -25.00 | -55.00 | -76.00 | 86.00 |
| Cash From Operating Activity | -43,652 | -31,118 | -17,625 | -8,859 | -4,239 | -2,464 | -5,535 | -13,142 |
| Cash Paid For Loan Advances | -42,813 | -39,902 | -29,538 | -12,179 | -10,994 | -7,026 | -8,456 | -18,449 |
| Cash Paid For Purchase Of Fixed Assets | -255.00 | -246.00 | -197.00 | -36.00 | -26.00 | -58.00 | -78.00 | -66.00 |
| Cash Paid For Purchase Of Investments | - | - | - | - | - | - | - | - |
| Cash Paid For Redemption And Cancellation Of Shares | - | - | - | - | - | - | - | 156.00 |
| Cash Paid For Redemption Of Debentures | -15,095 | -22,168 | -14,135 | -16,203 | -5,797 | - | -7,427 | - |
| Cash Paid For Repayment Of Borrowings | -61,564 | -57,919 | -54,949 | -40,363 | -37,102 | -51,974 | -56,723 | - |
| Cash Receipts From Deposits | - | - | - | - | - | - | - | - |
| Cash Received From Borrowings | 111,090 | 98,800 | 74,875 | 58,116 | 49,706 | 56,142 | 56,825 | - |
| Cash Received From Issue Of Debentures | - | - | - | - | - | - | 11,418 | - |
| Cash Received From Issue Of Shares | 6.00 | 26.00 | 13.00 | 2,479 | 1,473 | - | - | - |
| Cash Received From Sale Of Fixed Assets | 4.00 | 3.00 | 4.00 | 1.00 | 1.00 | 3.00 | 2.00 | 1.00 |
| Cash Received From Sale Of Investments | 3,929 | 5.00 | - | - | - | - | - | - |
| Change In Inventory | - | - | - | - | - | - | - | - |
| Change In Other Working Capital Items | -15,364 | -45.00 | 2,238 | -3,812 | -1,567 | -209.00 | -1,829 | 708.00 |
| Change In Payables | 87.00 | -81.00 | 66.00 | 14.00 | 9.00 | 10.00 | -86.00 | 94.00 |
| Change In Receivables | 190.00 | 168.00 | 173.00 | -370.00 | -103.00 | 12.00 | -11.00 | -14.00 |
| Change In Working Capital | -57,900 | -39,859 | -27,061 | -16,348 | -12,655 | -7,213 | -10,382 | -17,661 |
| Direct Taxes Paid | -3,642 | -3,434 | -3,267 | -1,152 | -1,259 | -1,065 | -1,352 | -872.00 |
| Dividends Paid | -1,859 | -1,875 | -563.00 | -852.00 | -153.00 | -272.00 | -247.00 | -250.00 |
| Interest Paid | - | - | -47.00 | - | - | - | - | - |
| Net Cash Flow | 4,499 | -3,919 | -730.00 | -388.00 | 7,962 | 2,060 | -62.00 | -42.00 |
| Operating Deposits | - | - | - | - | - | - | - | - |
| Other Cash Financing Items Paid | 1,046 | 3,015 | -154.00 | -115.00 | -107.00 | -978.00 | -3,302 | 9,882 |
| Other Cash Investing Items Paid | 10,849 | 7,559 | 12,049 | 5,443 | 4,207 | 1,662 | 5,006 | 3,377 |
| Other Cash Operating Items Paid | -1,660 | -3,527 | - | - | - | - | - | - |
| Profit From Operations | 19,550 | 15,702 | 12,702 | 8,641 | 9,675 | 5,814 | 6,200 | 5,392 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Shriramfin | 2025-06-30 | - | 52.61 | 16.32 | 5.64 | 0.00 |
| Shriramfin | 2025-03-31 | - | 53.58 | 15.34 | 5.68 | 0.00 |
| Shriramfin | 2024-12-31 | - | 53.08 | 15.93 | 5.58 | 0.00 |
| Shriramfin | 2024-09-30 | - | 53.29 | 16.21 | 5.07 | 0.00 |
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