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Every ratio from the Fundamental Analysis track, computed on a real company and annotated with what the number actually means. Then the three financial statements, so you can do the cash-flow check yourself.
Shriram Finance Limited, a non-banking finance company, provides financing services in India. It offers fixed and recurring deposits; commercial vehicle loans for commercial goods vehicles, passenger commercial vehicles, tractors and farm equipment, and construction equipment; two-wheeler, gold, used car loan, and personal loans; and green finance services. The company also provides business loans, such as MSME loans; working capital loans, including tyre, tax, fuel, toll financing, repair/top-up loans, fuel finance, challan discounting and vehicle insurance premium loans; motor insurance, including four-wheeler, two-wheeler, passenger and goods carrying vehicle insurance products; non motor insurance products, such as personal accident, shri criti care, and home insurance; and life insurance products comprising savings, retirement, child, protection plans, as well as recharges, including mobile recharge, mobile postpaid, landline postpaid, DTH, and FASTag recharge services. In addition, it offers utilities and bills services, such as electricity, LPG gas, gas bill payment, broadband postpaid, water, and cable tv; financial services and taxes comprising credit card, loan repayment, insurance, municipal services, and recurring deposit; and other services, such as housing society, clubs and associations, and education fees. It serves first time buyers, small road transport operators, commercial vehicles operators, micro, small, and medium enterprises (MSMEs), and individuals. The company was formerly known as Shriram Transport Finance Company Limited and changed its name to Shriram Finance Limited in November 2022. Shriram Finance Limited was incorporated in 1979 and is based in Mumbai, India.
How the price compares to earnings, assets and cash generation.
You are paying 17.4 years of current profit for each share. The earnings yield is 5.8%. The tracked Banking & Finance median is 20.4× (n=15), so this trades cheaper than its peers.
The market values the company at 2.7× its accounting net worth. High is normal for asset-light businesses and unusual for banks.
Not available.
Pays 1.40% of the current price out each year. Remember that yield rises when price falls — check the dividend is covered by cash flow.
Based on the next-year earnings estimate — 13.2× against 17.4× trailing. A forward P/E well below trailing is pricing in an earnings jump; treat the forecast with caution.
You pay 9.8× annual sales. Useful when earnings are depressed or negative and P/E breaks down — but a high multiple needs high margins to justify it.
Returns on capital and margins, the numerical shadow of a moat.
Earns ₹18.5 of profit a year for every ₹100 of shareholders' money. Always check how much of this comes from leverage rather than the business.
Not available.
Keeps ₹68.5 of operating profit from every ₹100 of sales. Compare only against companies in the same industry.
Sustained high net margins are evidence that something is stopping competitors from competing the profits away.
Keeps ₹96.8 of gross profit per ₹100 of sales, before operating costs. A high, stable gross margin is the clearest single sign of pricing power.
Leverage and liquidity. This is where fragility shows up first.
Lenders have put in 2.76× as much as the owners. Interest is owed whether or not customers show up. Note that banks and NBFCs are structurally leveraged and this rule does not apply to them.
Not available.
Not available.
Against cash of ₹10429.88 Cr. Net debt is what matters, not gross borrowings.
Not available.
Revenue and earnings momentum, and how the two compare.
Ask where the growth came from: more volume, higher prices, or an acquisition. They are very different in quality.
Profits are growing slower than sales, meaning margins are compressing. The company may be buying its growth.
EBITDA of — and operating cash flow of —.
Not available.
The figures quoted per share, and how much profit is handed back to owners.
₹54.43 of profit earned per share over the last twelve months. Price divided by this is the trailing P/E.
The accounting net worth behind each share is ₹350.34; price-to-book compares the market price with this.
Pays out 24% of profit as dividends and retains the rest. Above roughly 85% leaves little to reinvest and is hard to sustain through a weak year.
Market cap plus net debt — closer to what an acquirer actually pays. Against a market cap of ₹2,22,363 Cr.
Nine yes/no tests of profitability, funding and efficiency across the last two years; higher is stronger. A test is dropped only where the data is missing, so the score is out of 7.
Reported figures, most recent year first. All values in rupees.
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Revenue | ₹25034.27 Cr | ₹21987.26 Cr | ₹19083.40 Cr | ₹16930.99 Cr |
| Cost of revenue | — | — | — | — |
| Gross profit | — | — | — | — |
| Operating expenses | ₹7403.94 Cr | ₹6538.01 Cr | ₹5536.44 Cr | ₹4836.11 Cr |
| Operating income | — | — | — | — |
| Interest expense | ₹21521.02 Cr | ₹18454.58 Cr | ₹14802.60 Cr | ₹12931.27 Cr |
| Pre-tax income | ₹13300.19 Cr | ₹12502.91 Cr | ₹9683.64 Cr | ₹8213.72 Cr |
| Tax | ₹3295.99 Cr | ₹3079.60 Cr | ₹2493.16 Cr | ₹2202.25 Cr |
| Net profit | ₹10024.16 Cr | ₹9553.82 Cr | ₹7366.38 Cr | ₹6011.04 Cr |