Shriram Finance Ltd.
NSE: SHRIRAMFINShriram Finance Ltd.: A 30-second snapshot
Shriram Finance trades at ₹1,005.10, up 58.86% over the past 12 months and roughly 8.77% below its 52-week high, with price sitting above both its 50-day (₹985.49) and 200-day (₹935.37) moving averages. Trailing PE of 18.88x (forward 14.27x) compares against sector peers ranging from 13.82x (Axis Bank) to 60.66x (HDFC Life), with a mean analyst rating of 1.41 across 32 analysts on a 1-5 scale (lower = more constructive). Return on equity of 16.38% ranks 2nd of 6 in the peer set, while debt-to-equity of 276.2% is on a rising trend and free cash flow has not been positive in any of the available historical years.
P/E
18.9
Forward P/E
14.3
ROE
+16.4%
Debt / Equity
276.21
Profit Margin
+48.3%
Div. Yield
+1.4%
5Y ROE > 15%
3/5
5Y FCF > 0
0/5
Quality
67/100
News
8 headlines · 5 positive · 0 negative
Shriram Finance Limited Reports Earnings Results for the First Quarter Ended June 30, 2026 - marketscreener.com
marketscreener.com
India's Shriram Finance posts strong quarterly profit, expanding loanbook at lower cost - Yahoo Finance Singapore
Yahoo Finance Singapore
India's Shriram Finance posts about 60% quarterly profit rise on loan growth, wider margins - marketscreener.com
marketscreener.com
Earnings Outlook: Strong loan growth, margins to support Shriram Fin Q1 PAT - Informist
Informist
Bank, Financial shares shine; Shriram Fin, IndusInd, Union Bk jump up to 3% - Business Standard
Business Standard
Recent context
- ·Shriram Finance reported Q1 FY27 (quarter ended June 30, 2026) results on July 24, 2026, with coverage describing a roughly 60% YoY rise in quarterly profit on loan-book growth and wider margins (marketscreener.com, Yahoo Finance Singapore).
- ·Financial-sector shares including Shriram Finance were reported up as much as 3% in a July 15, 2026 Business Standard report on banking and NBFC-sector strength.
- ·Sampled news sentiment over the period was 5 positive, 3 neutral, 0 negative of 8 headlines, with an overall label of positive.
Strengths
- +Return on equity of 16.38% ranks 2nd of 6 in the sector peer group (Axis Bank, Bajaj Finserv, Bajaj Finance, HDFC Bank, HDFC Life), trailing only Bajaj Finance's 17.91%.
- +Trailing PE of 18.88x (forward 14.27x) is below Bajaj Finance (33.24x) and Bajaj Finserv (30.75x), despite a higher ROE than Bajaj Finserv (16.38% vs 14.6%).
- +News sentiment across 8 sampled headlines skewed 5 positive, 3 neutral, 0 negative, including reports of a roughly 60% YoY rise in quarterly profit alongside loan-book growth at lower funding cost.
- +Price is above both the 50-day (₹985.49) and 200-day (₹935.37) simple moving averages, with a 12-month price change of +58.86%.
Weaknesses
- −Debt-to-equity of 276.2% (2.76x) is on a rising trend, and 0 of the available historical years show positive free cash flow, limiting visibility into balance-sheet self-funding independent of continued external borrowing.
- −Current price (₹1,005.10) sits essentially at the nearest technical support level (₹1,005), with resistance only about 1.3% higher (₹1,017.99); the 3-month price change of +5.64% is modest against the prior 12-month advance of +58.86%.
- −Quality score of 56 ranks 3rd of 6 in the peer set, behind Axis Bank (70) and HDFC Bank (66).
- −Five-year earnings-growth data is not available, so the reported 24.7% five-year revenue-growth figure cannot be cross-checked against a bottom-line trend; one-year price-change data is also unavailable for all five listed sector peers.
Open questions
- ?Does the persistently negative free cash flow across the available historical years reflect the NBFC lending-book funding structure, or a broader trend worth tracking against the rising debt-to-equity ratio?
- ?How does the roughly 60% YoY profit growth reported for the quarter ended June 2026 compare with the company's loan-book growth rate and cost of funds over the same period?
- ?What factors might explain the valuation gap between Shriram Finance's 18.88x trailing PE and Bajaj Finance's 33.24x, given the two companies' relative ROE (16.38% vs 17.91%)?
- ?With price currently near the ₹1,005 support level after a 58.86% 12-month advance, what would a sustained move below this level, versus continued trading above it, suggest about the recent price consolidation?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| SHRIRAMFIN | Shriram Finance Ltd.You're viewing | 18.9 | +16.4% | 56 |
| Industry avg | across 5 peers | 31.0 | +14.1% | 49 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.7 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.2 | +17.9% | 51 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 60.7 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 30.8 | +14.6% | 23 |
Technical state
Current price
₹1,005.10
SMA 50
₹985.49
SMA 200
₹935.37
RSI (14)
45.8 (neutral)
From 52w high
-8.8%
1Y return
+58.9%
3M return
+5.6%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highDebt-to-equity of 276.2% (2.76x) is on a rising trend per the persistence data, and 0 of the available historical years show positive free cash flow. High leverage is structural to Shriram Finance's NBFC lending-book model, but the fully-negative free-cash-flow record across the available history limits visibility into balance-sheet self-funding capacity independent of continued external borrowing.
- lowCurrent price (₹1,005.10) sits essentially at the nearest support level (₹1,005) and roughly 1.3% below the nearest resistance (₹1,017.99); the 3-month price change of +5.64% is modest relative to the prior 12-month advance of +58.86%, consistent with a period of price consolidation near a support/resistance band.
- lowFive-year earnings-growth figure is not available in current data, so the reported 24.7% five-year revenue-growth figure cannot be cross-checked against a bottom-line growth trend.
- lowOne-year price-change figures are unavailable for all five listed sector peers (Axis Bank, Bajaj Finserv, Bajaj Finance, HDFC Bank, HDFC Life), leaving the peer-relative price-momentum ranking uncalculated in the sector comparison.
Cross-section contradictions
- Mean analyst rating of 1.41 across 32 analysts (1-5 scale, lower = more constructive) and sampled news headlines skewed 5 positive to 0 negative of 8 (including a reported roughly 60% YoY profit rise) reflect constructive external framing, while the five-year fundamental record shows 0 years of positive free cash flow alongside a rising debt-to-equity trend (currently 276.2%).
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 Jul 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 25 Jul 2026 · rotates through NIFTY 500 every ~5 days