Shares of Shriram Finance were trading down in Wednesday's session, with the stock priced at Rs 615.30, a 1.76% decline. The stock is identified as one of the top losers on the Nifty 50 index at 11:00 am.
In comparison, Bajaj Finance also experienced a downturn, trading at Rs 887.90 with a decrease of 1.6%. Other stocks in the top losers list included Tata Motors, trading at Rs 690.20, down by 1.44%, Bharat Elec at Rs 374.95, down 1.34%, and Bajaj Finserv, trading at Rs 1,952.00, with a decrease of 1.02%.
Here's a summary of Shriram Finance's financial performance over the past five years.
| Heading | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Sales | Rs 17,420 Crore | Rs 19,255 Crore | Rs 30,476 Crore | Rs 36,379 Crore | Rs 41,834 Crore |
| Other Income | Rs 15 Crore | Rs 19 Crore | Rs 31 Crore | Rs 33 Crore | Rs 25 Crore |
| Total Income | Rs 17,436 Crore | Rs 19,274 Crore | Rs 30,508 Crore | Rs 36,412 Crore | Rs 41,859 Crore |
| Total Expenditure | Rs 5,104 Crore | Rs 5,990 Crore | Rs 9,363 Crore | Rs 10,931 Crore | Rs 10,901 Crore |
| EBIT | Rs 12,332 Crore | Rs 13,283 Crore | Rs 21,144 Crore | Rs 25,481 Crore | Rs 30,957 Crore |
| Interest | Rs 9,054 Crore | Rs 9,734 Crore | Rs 12,931 Crore | Rs 15,521 Crore | Rs 18,454 Crore |
| Tax | Rs 790 Crore | Rs 841 Crore | Rs 2,202 Crore | Rs 2,569 Crore | Rs 3,079 Crore |
| Net Profit | Rs 2,487 Crore | Rs 2,707 Crore | Rs 6,011 Crore | Rs 7,391 Crore | Rs 9,423 Crore |
The sales for Shriram Finance have increased consistently over the past five years. Sales rose from Rs 17,420 Crore in 2021 to Rs 41,834 Crore in 2025. Similarly, the net profit has increased from Rs 2,487 Crore in 2021 to Rs 9,423 Crore in 2025.
The table below shows the quarterly figures, providing a more granular view of the company's recent performance.
| Particulars | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|
| Sales | Rs 9,604 Crore | Rs 10,089 Crore | Rs 10,698 Crore | Rs 11,454 Crore | Rs 11,536 Crore |
| Other Income | Rs 4 Crore | Rs 7 Crore | Rs 7 Crore | Rs 6 Crore | Rs 6 Crore |
| Total Income | Rs 9,609 Crore | Rs 10,096 Crore | Rs 10,705 Crore | Rs 11,460 Crore | Rs 11,542 Crore |
| Total Expenditure | Rs 2,814 Crore | Rs 2,994 Crore | Rs 1,641 Crore | Rs 3,464 Crore | Rs 3,235 Crore |
| EBIT | Rs 6,844 Crore | Rs 7,180 Crore | Rs 9,077 Crore | Rs 7,995 Crore | Rs 8,306 Crore |
| Interest | Rs 4,128 Crore | Rs 4,350 Crore | Rs 4,751 Crore | Rs 5,223 Crore | Rs 5,400 Crore |
| Tax | Rs 686 Crore | Rs 680 Crore | Rs 1,080 Crore | Rs 632 Crore | Rs 750 Crore |
| Net Profit | Rs 2,029 Crore | Rs 2,149 Crore | Rs 3,245 Crore | Rs 2,139 Crore | Rs 2,155 Crore |
Between June 2024 and June 2025, sales have shown a steady increase from Rs 9,604 Crore to Rs 11,536 Crore. Net profit also increased from Rs 2,029 Crore to Rs 2,155 Crore in the same period, indicating positive financial performance.
The table below provides an overview of the key financial ratios for Shriram Finance.
| Ratio | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Basic EPS (Rs.) | 101.44 | 102.23 | 160.54 | 196.32 | 50.82 |
| Diluted EPS (Rs.) | 101.44 | 102.23 | 159.83 | 195.69 | 50.75 |
| Book Value /Share (Rs.) | 858.19 | 964.60 | 1,169.77 | 1,321.93 | 300.31 |
| Dividend/Share (Rs.) | 18.00 | 20.00 | 35.00 | 45.00 | 9.90 |
| Face Value | 10 | 10 | 10 | 10 | 2 |
| Gross Profit Margin (%) | 71.58 | 69.69 | 71.35 | 71.65 | 71.82 |
| Operating Margin (%) | 70.79 | 68.98 | 69.38 | 70.04 | 70.28 |
| Net Profit Margin (%) | 14.27 | 14.06 | 19.72 | 20.31 | 22.86 |
| Return on Networth (%) | 11.50 | 10.42 | 13.81 | 15.04 | 16.91 |
| ROCE (%) | 14.86 | 14.09 | 16.25 | 17.47 | 17.30 |
| Return On Assets (%) | 1.92 | 1.91 | 2.85 | 2.96 | 3.25 |
| Current Ratio (X) | 2.74 | 2.92 | 2.53 | 2.35 | 2.31 |
| Quick Ratio (X) | 2.74 | 2.92 | 2.53 | 2.35 | 2.31 |
| Debt to Equity (x) | 4.89 | 4.39 | 3.77 | 3.99 | 4.15 |
| Interest Coverage Ratio (X) | 1.36 | 1.38 | 1.68 | 1.68 | 1.63 |
| Asset Turnover Ratio (%) | 13.41 | 0.14 | 0.17 | 0.16 | 0.15 |
| Inventory Turnover Ratio (X) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 3 Yr CAGR Sales (%) | 13.83 | 11.35 | 35.68 | 44.51 | 47.40 |
| 3 Yr CAGR Net Profit (%) | -1.17 | 2.77 | 55.01 | 72.38 | 86.54 |
| P/E (x) | 2.80 | 2.22 | 1.57 | 2.40 | 12.91 |
| P/B (x) | 1.66 | 1.18 | 1.08 | 1.81 | 2.18 |
| EV/EBITDA (x) | 10.08 | 9.60 | 8.98 | 10.50 | 11.19 |
| P/S (x) | 2.07 | 1.59 | 1.55 | 2.44 | 2.95 |
Shriram Finance has been actively involved in several corporate actions. On August 13, 2025, the company provided an update with respect to a subsidiary. Earlier in the month, on August 11, 2025, the company announced meetings with analysts and investors scheduled for August 14, 2025, and also declared the allotment of 1,53,502 equity shares on exercise of fresh stock options under SFL ESOS (No. 1).
- On April 25, 2025, a final dividend of Rs.3.00 per share(150%) was announced, with an effective date of July 11, 2025.
- An interim dividend of Rs.2.50 per share (125%) was announced on January 24, 2025, effective January 31, 2025.
Splits:- On October 25, 2024, the company announced a split, changing the old face value of Rs 10 to a new face value of Rs 2, effective January 10, 2025.
Rights:- A rights issue was announced on June 15, 2020, with a rights ratio of 3:26.
Based on Moneycontrol analysis as of August 18, 2025, the sentiment for Shriram Finance is neutral.
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