Shriram Finance Ltd.
NSE: SHRIRAMFINShriram Finance Ltd.: A 30-second snapshot
Shriram Finance (NSE: SHRIRAMFIN) is an NBFC trading at Rs 1,001.90, up 52.26% over the past 12 months, with a trailing PE of 18.82 and forward PE of 14.40 across an analyst panel of 32 (mean rating 1.34 on a 1-5 scale, lower = more constructive). The stock sits above both its 50-DMA (Rs 965.12) and 200-DMA (Rs 887.34), with RSI at 61.42 (neutral) and a 52-week drawdown of 9.58% from the high.
P/E
18.8
Forward P/E
14.4
ROE
+16.4%
Debt / Equity
276.21
Profit Margin
+48.3%
Div. Yield
+1.4%
5Y ROE > 15%
—
5Y FCF > 0
—
Quality
65/100
News
4 headlines · 1 positive · 0 negative
Shriram Finance Announces Alliance With Padukone School Of Badminton To Boost Grassroots Talent Across India - TradingView
TradingView
Buy Shriram Finance; target of Rs 1175: Motilal Oswal - TradingView
TradingView
Shriram Finance Ltd stock (INE721A01013): shares edge higher on NSE amid steady NBFC sentiment - AD HOC NEWS
AD HOC NEWS
Sensex Jumps 500 Pts as Wipro, Trent Lead Market Rally - HDFC Sky
HDFC Sky
Recent context
- ·Motilal Oswal published a note dated 2 June 2026 with a stated price objective of Rs 1,175 for Shriram Finance, citing the stock from approximately Rs 1,001.90; this represents the only named-broker action in the current news window.
- ·Shriram Finance announced an alliance with the Padukone School of Badminton on 3 June 2026 for grassroots sports development — a brand and CSR initiative with no direct financial disclosure attached.
- ·Broader NBFC segment coverage in May-June 2026 described steady sector sentiment, with the stock edging higher amid that backdrop before settling near Rs 1,001.90 as of the 22 June 2026 run date.
Strengths
- +Quality score of 56/100 ranks 1st of 6 peers in the Banking/NBFC sector, ahead of HDFCBANK (47), BAJFINANCE (51), and AXISBANK (50).
- +ROE of 16.38% is the second-highest among the 6-stock peer group, exceeding HDFCLIFE (11.28%), HDFCBANK (13.82%), AXISBANK (13.15%), and BAJAJFINSV (14.60%).
- +Trailing PE of 18.82 is below BAJFINANCE (31.65) and BAJAJFINSV (28.97), while ROE is comparable or superior — a divergence in valuation-to-profitability ratio relative to those peers.
- +Five-year revenue growth of 24.7% reflects sustained top-line expansion over the medium term, consistent with NBFC lending-book scaling.
Weaknesses
- −Debt-to-equity of 276.22 is structurally elevated; while leverage is inherent to NBFC lending, multi-year FCF and debt-trend data are null, leaving the leverage trajectory unverifiable from the current dataset.
- −Persistence metrics — ROE years above 15, FCF-positive years, and consistency score — are entirely null, precluding any assessment of multi-year capital-efficiency stability.
- −News coverage is sparse at 4 articles over approximately 30 days, providing an inadequate base for confidence in the neutral sentiment classification.
- −Peer 1-year price-change data is null for all 5 comparators, making it impossible to benchmark 12-month price performance against sector peers within the available dataset.
Open questions
- ?How has Shriram Finance managed its cost of borrowings and net interest margin over the past five years, given that a D/E of 276 makes funding costs the primary lever on profitability?
- ?Does the gap between trailing PE (18.82) and forward PE (14.40) reflect consensus earnings-growth estimates, and what are the key assumptions — credit costs, disbursement growth, NIM — behind that projection?
- ?How do asset quality metrics — gross NPA ratio, credit costs, and stage-3 asset share — compare with NBFC peers such as BAJFINANCE over recent quarters, given the lending-book risk embedded in a 276x leveraged balance sheet?
- ?Given that historical ROE persistence data is currently null, what does a review of the last five annual reports reveal about the consistency of return on equity above 15% across different credit cycles?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| SHRIRAMFIN | Shriram Finance Ltd.You're viewing | 18.8 | +16.4% | 56 |
| Industry avg | across 5 peers | 32.2 | +14.2% | 38 |
| BAJFINANCE | Bajaj Finance Ltd. | 31.6 | +17.9% | 51 |
| AXISBANK | Axis Bank Ltd. | 16.1 | +13.2% | 50 |
| HDFCBANK | HDFC Bank Ltd. | 17.4 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 29.0 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 66.9 | +11.3% | 20 |
Technical state
Current price
₹1,001.90
SMA 50
₹965.12
SMA 200
₹887.34
RSI (14)
61.4 (neutral)
From 52w high
-9.6%
1Y return
+52.3%
3M return
+5.5%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highDebt-to-equity of 276.22 is structurally extreme for a non-bank NBFC lender; as an NBFC this level is inherent to the business model, but the persistence block shows FCF-positive years and debt trend are untracked (null), leaving leverage trajectory unverifiable from available data.
- mediumPersistence metrics — ROE years above 15, FCF-positive years, debt trend, and consistency score — are all null, meaning multi-year capital-efficiency and cash-generation patterns cannot be assessed from the current dataset.
- lowNews sample is sparse at only 4 articles (1 positive, 3 neutral, 0 negative) over the past ~30 days, which is below the threshold for reliable sentiment inference; the neutral overall label rests on a thin base.
- low1-year price change data is null for all 5 peer comparators (AXISBANK, BAJAJFINSV, BAJFINANCE, HDFCBANK, HDFCLIFE), preventing a peer-relative price-performance ranking.
Cross-section contradictions
- ROE of 16.38% ranks 2nd of 6 in the peer group and quality score ranks 1st of 6, yet the stock trades at a trailing PE of 18.82 — below BAJFINANCE (31.65) and BAJAJFINSV (28.97) — implying the market has not granted a premium multiple despite relatively stronger quality metrics.
- The stock is up 52.26% over 12 months and trades above both the 50-DMA (965.12) and 200-DMA (887.34), reflecting broad price momentum; the forward PE of 14.40 sits materially below the trailing PE of 18.82, suggesting consensus earnings growth expectations embedded in the forward multiple.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 21 Jun 2026 · rotates through NIFTY 500 every ~5 days