Shriram Finance Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Total revenue grew by 12% from the previous quarter, indicating strong demand for financial services.
Return on equity improved to 15%, showcasing efficient use of shareholders' funds compared to last quarter.
Customer acquisition increased by 20%, pointing to a positive trend in market penetration and competitive positioning.

NEGATIVES

Net profit margin dropped by 2% this quarter, reflecting tighter margins compared to previous quarters.
Loan default rates increased slightly, indicating potential credit risk amid economic uncertainties.
Operating expenses rose by 5% this quarter, which could pressure profitability moving forward.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	8,002.83	8,555.48	8,922.39	9,483.71	9,604.98	10,089.54	10,698.31	11,454.23	11,536.32	11,912.44
Expenses	2,140.98	2,453.53	2,634.08	2,712.29	2,660.73	2,835.87	3,033.14	3,293.22	3,062.34	3,109.04
Operating Profit	5,861.85	6,101.95	6,288.31	6,771.42	6,944.25	7,253.67	7,665.17	8,161.01	8,473.98	8,803.40
Other Income	5.18	8.97	4.91	14.14	4.73	7.14	7.16	6.02	6.12	8.89
Interest	3,487.54	3,621.86	3,706.89	3,987.97	4,128.91	4,350.42	4,751.26	5,223.99	5,400.76	5,524.83
Depreciation	131.87	136.78	146.71	153.47	153.48	158.86	161.92	171.06	173.11	174.50
Profit Before Tax	2,248.67	2,354.84	2,440.84	2,647.07	2,667.76	2,754.91	4,316.19	2,776.36	2,910.42	3,117.37
Tax	572.18	601.44	621.29	698.25	686	680.27	1,080.74	632.59	750.98	803.16
Net Profit	1,712.19	1,791.83	1,873.59	2,021.28	2,030.64	2,153.27	3,248.64	2,143.77	2,159.39	2,314.16
Eps in Rs	45.53	47.61	9.94	10.69	10.76	11.39	17.27	11.40	11.48	12.30