Shriram Finance (SHRIRAMFIN) — Financial Results

Shriram Finance reported a 96.32% YoY PAT surge to ₹3,569.76 crores driven by a one-time ₹1,489.39 crores gain from stake sale in Shriram Housing Finance, alongside 15.82% YoY disbursement growth to ₹43,766.27 crores and 18.78% YoY AUM expansion to ₹2,54,469.69 crores. NIM held steady at 8.48% despite seasonal pressures, with credit costs maintained below 2%. Management highlighted stable asset quality (gross Stage 3 at 5.38%, net at 2.68%), negligible Karnataka mining exposure, and new EV lending launch in December 2024. Fleet utilization remains full, though M&HCV demand softened due to delayed infrastructure spending, with recovery expected in Q4 and FY26. Used vehicle supply constraints boosted ticket sizes, supporting growth. Passenger vehicle finance growth will continue organically, targeting >20% YoY, while 2-wheeler finance aims for double-market growth (12% if market expands at 5%). Customer base is 95% new, with 60% classified as new-to-credit. Provisioning coverage is rising, and credit cost guidance remains stable around 2%.

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About Shriram Finance Limited (SHRIRAMFIN)

Financial Services · Finance · Listed on NSE

Market Cap: ₹2,20,671.98 Cr P/E: 23.3

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