Shriram Finance Ltd. (SHRIRAMFIN) - Stock Overview & Analysis

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SHRIRAMFINShriram Finance Ltd.

₹634.45+1.20%

Market Cap

₹1,10,650.96 Cr

Stock P/E

11.14

ROCE

11.31%

ROE

16.03%

Book Value

₹1300.58

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No Recent News

No recent news available for this stock.

Shareholding

Holdings

Distribution

Promoter

Institution

Public

Others

Financials

YoY Net Sales

EPS Growth

Operating Margin

From Last Concall

POSITIVES

•
Disbursement growth was strong in Q1 FY26, signaling robust loan growth.
•
AUM growth remained substantial, underscoring scale-up and diversified lending.

NEGATIVES

•
Stage-2 uptick could signal rising credit risk if it translates into higher Stage-3 flows.
•
Near-term margin pressure evidenced by a QoQ drop in NIM.

Peers Summary

Sector Leader

Shriram Finance Ltd. stands out as a strong performer in the Finance - NBFC sector, demonstrating solid profitability and growth metrics, while maintaining a competitive valuation. However, it faces challenges in debt levels relative to some peers. Companies like Bajaj Holdings and Muthoot Finance also show strong financials but differ in valuation and growth characteristics.

Key Points

• Shriram Finance Ltd. shows strong revenue growth at 14.99% YoY and solid EPS growth.
• Bajaj Holdings leads in profitability metrics with an EPS of 585.90 and a high ROA of 12.45%.
• Debt levels vary considerably; Cholamandalam Investment has the highest debt to equity ratio of 6.91, indicating potential financial risk.
• JIO Financial Services exhibits high valuation metrics, making it appear overvalued despite low profitability.

Top Performers

Bajaj Holdings & Investment Ltd.

Highest EPS and ROA, indicating exceptional profitability.

Muthoot Finance Ltd.

Strong profitability metrics with a solid ROE and manageable debt levels.

Shriram Finance Ltd.

Consistent growth and reasonable valuation metrics make it an attractive investment.