Announcement
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 8 Oct - Allotment of 41,758 Equity Shares on exercise of Fresh Stock Option under SFL ESOS 2023 (No.1)
Source: Bse
Shriram Finance Limited (SHRIRAMFIN)
Large CapFinancial Services stocks · Large cap · NSE
Shriram Finance Limited operates in Insurance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
Data qualityFresh enough for analysisQuote updated 21 Oct, 03:31 pm ISTDetails
Quote21 Oct, 03:31 pm IST
Base fundamentals14 Oct 2026 · screener
Latest result24 Jul, 07:26 pm IST
Score21 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage10/10 · 100%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
36BearishSMA20 -8.6% / mo · MACD −
Stock trend: 30
Sector RS: 45
Sector 3M: -5.7% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
SHRIRAMFIND candles · FIT view-7.2%Latest close ₹904.95 on 2026-10-21
Bar
-3.3%
RSI
36
MACD hist
-0.83
52W pos
46%
2026-10-21O ₹936.00H ₹936.00L ₹900.00C ₹904.95Vol 55.6L sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
SHRIRAMFINNifty Financial ServicesNifty 500
- SHRIRAMFIN
- -14.7%
- Nifty 500
- -6.5%
- Nifty Financial Services
- -6.9%
- Vs Nifty 500
- -8.3 pp
Chart stats
21 Oct 2026- From 52W high
- -21.6%
- 52W range position
- 50%
- ATR (14)
- 3.2%
- Volume vs 20D
- 1.23x
- Avg traded value
- ₹450 Cr
- 20D price channel
- ₹900 - ₹1,018
₹1,153.7
₹658.8 - ₹1,153.7
₹29.2
Latest completed session
20-session average
38.1% annualized volatility
Research snapshot
What the evidence says now
Mixed fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend argues for patience, and recent execution is consistent.
Suggested next step
Verify management risk first
Do not let cheap valuation override weak Trust or governance evidence.
U-Score
Legacy · FAIR VALUE47
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Excellent85
Revenue +16.2% · PAT +59.9% YoY
Technical
Bearish36
Price trend and sector-relative-strength timing.
Valuation
Legacy model+5.9%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence46
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Excellent · 85/100Rev +16% YoY · PAT +60% YoY · +7% QoQ · operating leverage
Filed 24 Jul 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹13,400 Cr | +16.2% | +7.1% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹3,453 Cr | +59.9% | +14.3% |
| PAT margin | 25.8% | +705 bps | +163 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 19.80
- P/B
- 2.72
- EV/EBITDA
- 669.19
- Market Cap
- 223767.00Cr
Profitability
- ROE
- 16.40%
- ROCE
- 11.50%
- ROA
- 3.52%
- Dividend Y
- 1.14%
Growth (CAGR)
- Revenue 5Y
- 23.00%
- EPS 5Y
- 32.00%
- Revenue 3Y
- 16.00%
- EPS 3Y
- 19.00%
Balance Sheet
- Debt/Equity
- 3.80
- Interest Coverage
- —
- Altman Z
- 0.88
- Book Value
- 350.00
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 0/5
- OCF
- -13281.00 Cr
- EPS TTM
- 56.48
Shareholding
- Promoter Hold
- 20.30%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 59%
Financial History
Updated 21/10/2026
Revenue
₹ CrLatest: 13.4k+7.1% vs prev
Net Profit
₹ CrLatest: 3,453+14.3% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Bearish setupTrend is weak — long-term trend down. RSI 36.
- Price below SMA200 (long-term downtrend) — short-term bounces likely countertrend.
- SMA20 falling (~9.4% over last month) — short-term momentum negative.
- RSI(14) at 36 — falling, no extreme reading.
- MACD below signal but histogram contracting — bearish momentum easing.
- 22% off 52W high · 31% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
76
RS percentile
Stage 1 Base / Transition
1M return
-10.6%
3M return
-14.7%
6M return
-10.3%
1Y return
+22.5%
RS 1D
-1
RS 20D
-11
Sector rank
#10
Industry rank
#17
Stage evidence
- Price is 9.6% below the 30-week proxy without full trend alignment.
- The 30-week proxy changed -0.9% over 20 sessions.
- The moving-average structure does not confirm Stage 2 or Stage 4.
50-DMA
price below
200-DMA
price below
Sector
neutral
Industry
neutral
Relative-strength line vs Nifty 500 (base 100)
262 observations
21 Oct 2026Value 154.02-1.41%
RS vs Nifty 500154
Valuation & peers
U-Score 47 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Valuation & peers
U-Score 47 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Premium Compounder
Fundamental score breakdown
U band · FAIR VALUEValuation4/30
Growth17/25
Quality18/20
Balance Sheet1/15
Cash Flow6/10
Piotroski
3/9 (+1)
Penalties
0
Raw sum
47
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
47/100 · legacy band FAIR VALUE
Positive drivers
- Quality contributes 18/20 to the score.
- Growth contributes 17/25 to the score.
- Cash flow contributes 6/10 to the score.
Main drags
- Altman Z is 0.9, in distress territory.
- Balance sheet is weaker at 1/15; verify the latest quarterly trend.
- Valuation is weaker at 4/30; verify the latest quarterly trend.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
19.8
PB
2.7
EV/EBITDA
669.2
ROE
16.4%
ROCE
11.5%
FCF Yield
—
Debt/Equity
3.8
MoS
+5.9%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 21 Oct 2026
v4.3-runtime-valuation
Final score
47
Previous: 47
Legacy U-Score band
FAIR VALUE
Previous: FAIR VALUE
Margin of safety
+5.9%
Previous: +5.9%
Score history
12 stored score snapshots. Latest stored move: +0 points.
21 Oct 2026
v4.3-runtime-valuation
46
46
46
46
46
46
46
46
46
46
47
47
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹666.92
-35.7% MoS
Justified P/B
2.89
Justified Value
₹1,011.5
+5.9% MoS
PEG
0.74
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
MUTHOOTFIN
Large
Muthoot Finance Limited
Insurance
match 161
67
9.1
30.9%
+79%
UNDERVALUED
SBILIFE
Large
SBI Life Insurance Company Limited
Insurance
match 160
27
64.2
13.7%
-40%
OVERVALUED
NAM-INDIA
Large
Nippon Life India Asset Management Limited
Insurance
match 156
63
41.2
34.5%
+2%
UNDERVALUED
MANAPPURAM
Small
Manappuram Finance Limited
Insurance
match 151
21
21.0
7.0%
-510%
OVERVALUED
PILANIINVS
Small
Pilani Investment and Industries Corporation Limited
Insurance
match 147
37
—
0.2%
-40%
WATCHLIST
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Shriram Finance Limited operates in Insurance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
46Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 3rd percentile of the scored universe and 4th percentile within Financial Services. Main check: balance sheet trust is weak at 22/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 21 Oct 2026
management-trust-v1
152 docs text-extracted · 41 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
3rd percentile
overall median 67 · Financial Services: 4th pctile, median 62 · Large: 1st pctile, median 73
Evidence depth
Financial-only
152 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Needs extra due diligence; demand valuation comfort and recent improvement.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
48
watch · holding, pledge, alignment
Cash flow
28
weak · profit to cash conversion
Balance sheet
22
weak · leverage and solvency
Discipline
68
acceptable · capital discipline
Results
79
strong · quarterly consistency
Trust positives
- ▸Promoter pledge is zero.
- ▸4/4 latest quarters had positive YoY revenue growth.
- ▸3/4 latest quarters had positive YoY PAT growth.
Trust risks
- ▸Promoter holding fell 5.1%.
- ▸Operating cash flow is negative at ₹-13281 Cr.
- ▸Debt/equity is 3.80.
- ▸Altman Z is 0.88.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Shriram Finance Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 30 Sep - Shriram Finance Limited intimation to Stock Exchange about extract of Notice to Shareholders regarding Special Window for Transfer and Dematerialisation of Physical Securities
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 16 Sep - Shriram Finance Limited has informed about Schedule of Analysts/ Institutional Investors Meet
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 15 Sep - Shriram Finance Limited has informed about Schedule of Analysts/ Institutional Investors Meet
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 11 Sep - Pursuant to Regulation 30 of the SEBI Listing Regulations, 2015, read with Schedule III thereto, this is informing that Fund/ Analysts/ Institutional Investor/ Broker/Broker Conference …
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 10 Sep - Allotment of 61,491 Equity Shares on exercise of Fresh Stock Option under SFL ESOS 2023 (No.1)
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 13 Aug - Pursuant to Regulation 30 of the SEBI Listing Regulations, 2015, read with Schedule III thereto, this is informing that Fund/Analysts/Institutional Investor/Broker/Broker Conference/meeting ....
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 12 Aug - Pursuant to Regulation 30 of the SEBI Listing Regulations, 2015, read with Schedule III thereto, this is informing that Fund/ Analysts/ Institutional Investor/ Broker/Broker Conference …
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 12 Aug - Allotment of 35,104 Equity shares on exercise of Fresh Stock Options under SFL ESOS 2023 (No.1)
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 7 Jul - Allotment of 33,311 Equity shares on exercise of Fresh Stock Option under SFL ESOS 2023 (No. 1)
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 26 Jun - Shriram Finance Limited intimation to Stock Exchange about extract of Notice to Shareholders regarding Special Window for Transfer and Dematerialisation of Physical Securities
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 19 Jun - Pursuant to Regulation 30 of the SEBI Listing Regulations, 2015, read with Schedule III thereto, this is informing that Fund/ Analysts/ Institutional Investor/ Broker/Broker Conference …
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.