Shriram Finance Ltd.
NSE: SHRIRAMFIN · Non Banking Financial Company (NBFC)
Snapshot
Unlock Shriram Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Shriram Finance Limited is a prominent non-banking financial company in India specialising in commercial vehicle financing. The firm provides a comprehensive suite of financial products including business loans, equipment financing, and insurance services to small road transport operators and first-time buyers.
Business Model
The company generates revenue primarily through interest income on loans provided to the transport and small business sectors, supplemented by fee-based income from insurance and financial services. It leverages an extensive network of branches and rural centres to reach its target demographic of driver-turned-owners and small-scale entrepreneurs.
- Branch Network:1,854
- Rural Centres:775
Growth Outlook
Growth is driven by the expansion of its diverse product portfolio, including consumer finance and working capital loans, alongside its deep penetration into rural markets. The company continues to strengthen its market position by integrating its legacy transport finance expertise with broader financial service offerings.
Key Risks
- Credit Risk. The company is exposed to potential defaults from its core customer base of small road transport operators and first-time buyers who may be sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its borrowers.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India, which may affect operational flexibility.
- Asset Quality Risk. The concentration of the loan portfolio in the commercial vehicle segment makes the company vulnerable to cyclical trends in the transport and logistics industry.
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Key Metrics
REVENUE
₹49,997 Cr
TTM · consolidated
NET PROFIT
₹11,318 Cr
TTM · consolidated
EPS
₹56.67
TTM · consolidated
RETURN ON EQUITY
18.5%
TTM · consolidated
P/E
18.4x
Q1 FY27 · consolidated
NET PROFIT MARGIN
25.8%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Shriram Finance Ltd.SHRIRAMFIN | ₹2.45L Cr | 18.37 | — | 14.2% | — | 18.5% | — | +77.7% |
Tata CapitalTATACAP | ₹1.59L Cr | 29.10 | — | — | — | 11.9% | — | — |
Cholamandalam Investment and Finance Company Ltd.CHOLAFIN | ₹1.57L Cr | 27.11 | — | 19.6% | — | 21.2% | — | +25.9% |
Muthoot Finance Ltd.MUTHOOTFIN | ₹1.17L Cr | 10.29 | — | 50.7% | — | 33.5% | — | +3.1% |
L&T Finance Ltd.LTF | ₹78,673 Cr | 24.70 | — | 15.4% | — | 11.9% | — | +37.8% |
SBI Cards and Payment Services Ltd.SBICARD | ₹62,640 Cr | 27.54 | — | 7.9% | — | 15.4% | — | -17.0% |
As of Q1 FY27
Financials
Shriram Finance Ltd.
NSE: SHRIRAMFIN · Non Banking Financial Company (NBFC)
Snapshot
Unlock Shriram Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Shriram Finance Limited is a prominent non-banking financial company in India specialising in commercial vehicle financing. The firm provides a comprehensive suite of financial products including business loans, equipment financing, and insurance services to small road transport operators and first-time buyers.
Business Model
The company generates revenue primarily through interest income on loans provided to the transport and small business sectors, supplemented by fee-based income from insurance and financial services. It leverages an extensive network of branches and rural centres to reach its target demographic of driver-turned-owners and small-scale entrepreneurs.
- Branch Network:1,854
- Rural Centres:775
Growth Outlook
Growth is driven by the expansion of its diverse product portfolio, including consumer finance and working capital loans, alongside its deep penetration into rural markets. The company continues to strengthen its market position by integrating its legacy transport finance expertise with broader financial service offerings.
Key Risks
- Credit Risk. The company is exposed to potential defaults from its core customer base of small road transport operators and first-time buyers who may be sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its borrowers.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India, which may affect operational flexibility.
- Asset Quality Risk. The concentration of the loan portfolio in the commercial vehicle segment makes the company vulnerable to cyclical trends in the transport and logistics industry.
Start your research today
Unlock AI insights, financials, peers and live data on Shriram Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹49,997 Cr
TTM · consolidated
NET PROFIT
₹11,318 Cr
TTM · consolidated
EPS
₹56.67
TTM · consolidated
RETURN ON EQUITY
18.5%
TTM · consolidated
P/E
18.4x
Q1 FY27 · consolidated
NET PROFIT MARGIN
25.8%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27