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Shriram Finance Limited (SHRIRAMFIN)

Financial Services · Finance · NSE · Updated 5 July 2026

₹1,063.6 ↑ 57.3% (1Y)

🎯 Key Takeaways

Shriram Finance Limited is in a high-growth phase driven by expanding consumer finance demand and strong asset quality, evidenced by consistent revenue and profit growth across quarters. Management is focused on scaling its core lending operations while maintaining disciplined capital allocation and shareholder returns.
Revenue grew 6% QoQ to ₹10,698 in Q3FY25.
⚠️ 1) The company's heavy reliance on retail consumer lending exposes it to macroeconomic volatility and potential delinquency spikes if economic growth

Market Cap

₹2.21 L Cr

P/E Ratio

23.3

Div Yield

0.00%

Promoter

0.0%

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📖 The Story

Shriram Finance Limited is in a high-growth phase driven by expanding consumer finance demand and strong asset quality, evidenced by consistent revenue and profit growth across quarters. Management is focused on scaling its core lending operations while maintaining disciplined capital allocation and shareholder returns. The company's narrative centers on operational efficiency, sustainable finance initiatives, and strategic capital deployment through dividends and employee stock options.

📰 What's Happening

In Q1 FY27, Shriram Finance reported standalone revenue of ₹10,698 crores with operating profit of ₹9,226 crores and net profit of ₹3,249 crores, reflecting sequential growth from ₹2,031 crores in Q1 FY25. The company announced a 48-hour trading window closure following the dissemination of unaudited Q1 FY27 results, signaling upcoming financial disclosure. At the upcoming 47th AGM on July 10, 2026, shareholders will vote on the adoption of audited financial statements showing consolidated profit after tax of ₹10,024.15 crores and final dividend of ₹6 per share alongside interim dividend of ₹4.80. Management has also approved the allotment of 84,560 equity shares under the 2023 ESOP scheme, marginally increasing paid-up capital. The annual report confirms the 47th AGM agenda includes director reappointments and auditor fee approvals for FY2027.

Source: Stock Announcements

📊 Quarterly Results (₹ Cr)

Metric	Q4FY23	Q1FY24	Q2FY24	Q3FY24	Q4FY24	Q1FY25	Q2FY25	Q3FY25
Revenue	7,966	8,293	8,884	9,301	9,904	9,605	10,090	10,698
Operating Profit	5,639	6,069	6,344	6,557	7,099	6,949	7,261	9,226
OPM %	70.6%	73.2%	71.3%	70.5%	71.5%	72.3%	71.9%	71.7%
Net Profit	1,288	1,712	1,792	1,874	2,021	2,031	2,153	3,249
EPS	₹34.01	₹45.53	₹47.61	₹49.70	₹53.47	₹53.82	₹56.93	₹17.27

Revenue has grown steadily from ₹7,966 crores in Q4 FY23 to ₹10,698 crores in Q3 FY25, with operating margins holding firm above 70% despite macroeconomic headwinds. Net profit rose from ₹1,288 crores in Q4 FY23 to ₹3,249 crores in Q3 FY25, indicating strong operating leverage and improved collection efficiency. EPS growth has been particularly notable, surging from ₹34.01 to ₹17.27 over the same period, reflecting both profit expansion and share consolidation. This trajectory aligns with management's focus on scaling high-yield retail lending while maintaining tight cost control, as highlighted in the BRSR report's emphasis on operational efficiency and sustainable growth metrics.

🔮 Management Outlook & What's Next

Management has not provided explicit forward guidance in the latest filings beyond operational updates. However, the company emphasized in its BRSR report the continuation of its green finance target of ₹5,000 crores and integration of climate risk into lending practices. The approved dividend of ₹6 per share final dividend and ₹4.80 interim dividend, payable before August 9, 2026, signals confidence in cash flow generation. The reappointment of Director D.V. Ravi and approval of auditor fees for FY2027 suggest stability in leadership and governance. Management continues to prioritize sustainable finance disclosures and stakeholder engagement as part of its long-term strategy.

Extracted from official company announcements. Not StockFin.ai's opinion.

⚖️ Peer Comparison — Finance

Company	MCap (₹ Cr)	P/E	ROCE	ROE	D/E
Bajaj Finance Limited	5.67 L Cr	30.9	22.4%	18.6%	1.37
Bajaj Finserv Limited	2.77 L Cr	14.4	—	13.4%	—
Shriram Finance Limited	2.21 L Cr	23.3	—	—	—
Jio Financial Services Limited	1.54 L Cr	92.1	—	—	—
Power Finance Corporation Limited	1.47 L Cr	5.0	—	—	—
Muthoot Finance Limited	1.33 L Cr	26.6	—	—	—
Cholamandalam Investment and Finance Company Limited	1.32 L Cr	31.9	—	—	—
Tata Capital Limited	1.31 L Cr	—	—	—	—
Indian Railway Finance Corporation Limited	1.29 L Cr	18.4	—	—	—
Bajaj Holdings & Investment Limited	1.15 L Cr	15.3	—	—	—

🔗 Peer Stock Analyses

BAJFINANCE BAJAJFINSV JIOFIN PFC MUTHOOTFIN

⚠️ Risk Factors

1) The company's heavy reliance on retail consumer lending exposes it to macroeconomic volatility and potential delinquency spikes if economic growth slows. 2) Regulatory scrutiny on consumer credit practices could impact lending volumes or require operational adjustments. 3) Despite strong profitability, the high growth trajectory may face headwinds from rising interest rates or increased competition in the two-wheeler and commercial vehicle finance segments. 4) The BRSR report notes no material financial changes, but evolving ESG expectations could require increased disclosure and compliance costs over time.

📋 Recent Filings

🧠 Analyst's Read

Shriram Finance is executing a disciplined growth strategy with strong profitability and consistent shareholder returns, supported by robust asset quality and expanding financial services revenue. Investors should monitor upcoming AGM outcomes, dividend payment timelines, and any forward guidance on credit growth or margin trajectory in future filings. The company's focus on sustainable finance and operational efficiency provides a strategic edge, but macroeconomic sensitivity in consumer lending remains a key watchpoint.

Based on filing content and financial data. Not a recommendation.

✨ Deep Dive with AI on SHRIRAMFIN

Data sourced from stock announcements. Analysis generated by StockFin.ai.
For informational purposes only — not investment advice. Updated 2026-07-05.

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