Shriram Finance Ltd.
NSE: SHRIRAMFINShriram Finance Ltd.: A 30-second snapshot
Shriram Finance (NBFC) trades at a PE of 19.94 (forward 15.74) with an ROE of 18.5% and profit margin of 50.01%. The stock is at ₹1,129.90, up 82.23% over the trailing 12 months and 21.15% over 3 months, trading above both the 50-day (₹1,022.01) and 200-day (₹960.26) SMAs and 2.06% below its 52-week high. Mean analyst rating is 1.47 across 32 analysts (1–5 scale, lower = more constructive).
P/E
19.9
Forward P/E
15.7
ROE
+18.5%
Debt / Equity
276.21
Profit Margin
+50.0%
Div. Yield
+1.2%
5Y ROE > 15%
3/5
5Y FCF > 0
0/5
Quality
70/100
News
8 headlines · 3 positive · 0 negative
Shriram Finance beats Q1 profit estimates; Nomura retains 'Buy' with Rs 1,200 target - TradingView
TradingView
Shriram Finance Reports Q1 Standalone Net Profit Of ₹3,450 Crore Vs ₹2,160 Crore YoY - Sahi
Sahi
Shriram Fin Aims to Double Gold Loan Share, Boost MSME Loans - Rediff MoneyWiz
Rediff MoneyWiz
Bank, Financial shares shine; Shriram Fin, IndusInd, Union Bk jump up to 3% - business-standard.com
business-standard.com
Price to book forward of Shriram Finance Limited – NSE:SHRIRAMFIN - TradingView
TradingView
Recent context
- ·Q1 FY27 standalone net profit reported at ₹3,450 crore versus ₹2,160 crore a year earlier (headline dated July 24, 2026).
- ·Nomura retained a "Buy" rating with a ₹1,200 target price after the Q1 results, per a TradingView report dated July 26, 2026.
- ·Company commentary referenced a plan to double the gold-loan book share and expand MSME lending, alongside broader financial-sector share moves noted in mid-to-late-July 2026 coverage.
Strengths
- +ROE of 18.5% with 3 years above the 15% threshold in the persistence dataset, alongside a 50.01% profit margin.
- +5-year revenue growth of 42.8% and 5-year earnings growth of 29.5%.
- +Price above both the 50-day and 200-day SMAs, up 82.23% over 12 months and within 2.06% of the 52-week high.
- +Mean analyst rating of 1.47 across 32 analysts (1-5 scale, lower = more constructive); Q1 FY27 standalone net profit reported at ₹3,450 crore versus ₹2,160 crore a year earlier.
Weaknesses
- −0 of the tracked years show positive free cash flow and the debt trend is flagged as rising; debt-to-equity of approximately 2.76x is structural for an NBFC loan book but the FCF record limits visibility into self-funded growth.
- −Quality score of 58 ranks 3rd of 6 listed sector peers (mid-pack) despite favorable price and analyst-rating metrics.
- −The 8-headline news sample clusters around Q1 FY27 results and related late-July 2026 announcements rather than a wider set of independent catalysts.
- −Sector peer comparison is limited: 1-year price-change data is missing for all 5 peers, and the peer group spans banks, NBFCs, and an insurer with different balance-sheet structures.
Open questions
- ?Does the 0-of-tracked-years positive FCF record reflect a structural NBFC funding pattern (loan disbursals as an operating outflow) or a broader capital-intensity trend worth watching across more years?
- ?How does the quality score's mid-pack (3rd of 6) sector ranking reconcile with the stock's 82.23% one-year price move and the 1.47 mean analyst rating?
- ?What would explain the concentration of news coverage around a narrow set of July 2026 events rather than a wider spread of catalysts?
- ?How comparable are the listed sector peers, given the group spans banks, NBFCs, and an insurer with differing balance-sheet and margin structures?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| SHRIRAMFIN | Shriram Finance Ltd.You're viewing | 19.9 | +18.5% | 58 |
| Industry avg | across 5 peers | 30.8 | +12.7% | 51 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 15.9 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.6 | — | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.1 | — | 37 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 58.7 | +10.8% | 33 |
Technical state
Current price
₹1,129.90
SMA 50
₹1,022.01
SMA 200
₹960.26
RSI (14)
64.1 (neutral)
From 52w high
-2.1%
1Y return
+82.2%
3M return
+21.1%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Risk flags
- medium0 of the years captured in the persistence dataset show positive free cash flow, and the debt trend is flagged as rising. Debt-to-equity is approximately 2.76x (the Yahoo-sourced field reads 276.215 because it is percent-scaled). For an NBFC funding loan-book growth through borrowings, elevated leverage is a structural feature of the business model rather than a standalone solvency signal, but the fully negative FCF record across the tracked years limits visibility into cash generation independent of continued external borrowing.
- lowPrice (₹1,129.90) is 10.6% above the 50-day SMA (₹1,022.01) and 17.7% above the 200-day SMA (₹960.26), only 2.06% below the 52-week high, after an 82.23% advance over the trailing 12 months and 21.15% over the trailing 3 months. RSI is 64.1 (neutral) and no resistance level is present in the technical dataset above the current price.
- lowThe 8 sampled headlines (3 positive, 5 neutral, 0 negative) cluster around a narrow set of late-July 2026 events — the Q1 FY27 results release and related gold-loan/MSME growth-target commentary — rather than a broad spread of independent catalysts.
- low1-year price-change data is unavailable for all 5 listed sector peers, and the peer set mixes banks (Axis Bank, HDFC Bank), NBFCs (Bajaj Finance, Bajaj Finserv), and an insurer (HDFC Life), which limits comparability of the PE, ROE, and quality-score rankings shown.
Cross-section contradictions
- Quality score of 58 ranks 3rd of 6 listed sector peers (mid-pack), even as price performance (+82.23% over 12 months, 2.06% below the 52-week high) and the mean analyst rating (1.47 across 32 analysts, 1-5 scale, lower = more constructive) sit toward the favorable end of their respective ranges.
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 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 12 Aug 2026 · rotates through NIFTY 500 every ~5 days