Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

Shriram Finance Limited, a non-banking finance company, primarily engages in the provision of financing services in India. It offers fixed and recurring deposits; commercial vehicle loans for commercial goods vehicles, passenger vehicles, tractors and farm equipment, and construction equipment; and multi-utility vehicle, two-wheeler, gold, and personal loans. The company also provides business loans, such as small and medium enterprise loans; working capital loans, including tyre, tax, fuel, and toll financing, and repair/top-up loans and challan discounting; insurance products life, motor, personal accident, and home insurance products; and payment services. It serves first time buyers, small road transport operators, and individuals; and micro, small, and medium enterprises (MSMEs) customers consisting of self-employed professionals, wholesale and retail dealers, merchants, builders, small and medium scale manufacturing concerns, and service providers. 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.

Revenue projections:

Revenue projections for SHRIRAMFIN
Revenue projections for SHRIRAMFIN

With SHRIRAMFIN's revenues expected to fall below the previous year's, investors are likely to approach the stock with caution. Declining revenues can negatively affect profitability, which makes it harder for the company to maintain investor confidence and perform well in the market.

Financial Ratios:

currentRatio 0.000000
forwardPE 10.458699
debtToEquity 316.892000
earningsGrowth 0.067000
revenueGrowth 0.126000
grossMargins 0.959260
operatingMargins 0.614690
trailingEps 51.040000
forwardEps 0.000000

SHRIRAMFIN's Forward PE being in a good range suggests that its stock price is aligned well with earnings. The stock is not considered overpriced, offering room for future growth, which makes it an appealing investment opportunity with the potential for value appreciation.
SHRIRAMFIN's elevated debt-to-equity ratio suggests the company is highly leveraged, meaning it has significant debt compared to equity. This can be risky, particularly if SHRIRAMFIN's cash flow or profits decrease, making it harder to meet debt obligations.
SHRIRAMFIN's positive gross and operating margins reflect strong profitability and operational efficiency. These metrics indicate the company's ability to control costs while maintaining healthy revenue, contributing to its solid financial performance.

Price projections:

Price projections for SHRIRAMFIN
Price projections for SHRIRAMFIN

Shriram Finance Limited's price has consistently hovered around the lower limit of price projections. This pattern suggests that the stock may be underperforming relative to expectations, which could lead to concerns among investors.

Recommendation changes over time:

Recommendations trend for SHRIRAMFIN
Recommendations trend for SHRIRAMFIN


SHRIRAMFIN has been receiving a buy bias from analysts, signaling strong confidence in the stock's future performance. This positive outlook might drive investors to view SHRIRAMFIN as an attractive option for their portfolios, positioning the company as a stable and profitable investment choice.