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Swing Capital

Shriram Finance Ltd

NSE: SHRIRAMFIN BSE: 511218Banking

Business Overview Shriram Transport Finance Company Ltd is a part of the SHRIRAM Group conglomerate which has a significant presence in the financing business. STFC is engaged in the business of commercial vehicle financing mainly focusing on trucks from preowned to new ones. It's a Deposit-taking NBFC comprising 1,758 branches, 831 rural centers, and partnerships with ~500 private financiers. [1]

₹933
52W: ₹566 — ₹1108
PE 22.1 · Book ₹349 · +167% vs book
Market Cap₹2,19,566 Cr
Stock P/E22.1Price to Earnings
ROCE11.5%Return on Capital
ROE16.4%Return on Equity
Div. Yield1.16%Face Value ₹2

Strengths

  • +Company has delivered good profit growth of 32.1% CAGR over last 5 years
  • +Company has been maintaining a healthy dividend payout of 21.0%

Weaknesses

  • −Stock is trading at 2.67 times its book value
  • −Company has low interest coverage ratio.
  • −Promoter holding has decreased over last quarter: -5.08%

Shareholding Pattern

Promoters20.3%
FIIs56.14%
DIIs18.62%
Public4.94%
CategorySep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Apr 2026
Promoters25.4%25.4%25.39%▼0.025.39%25.39%25.38%▼0.025.38%20.3%▼5.1
FIIs53.29%53.08%▼0.253.58%▲0.552.61%▼1.049.61%▼3.047.21%▼2.445.15%▼2.156.14%▲11.0
DIIs16.21%15.93%▼0.315.34%▼0.616.32%▲1.018.65%▲2.321.29%▲2.623.29%▲2.018.62%▼4.7
Public5.07%5.58%▲0.55.68%▲0.15.64%▼0.06.34%▲0.76.11%▼0.26.18%▲0.14.94%▼1.2

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses2,6342,7122,6482,8363,0333,2933,0613,1073,3963,102
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit1,8181,9461,9812,0713,5702,1392,1562,3072,5223,014
EPS ₹9.6810.3610.5411.0218.9911.3811.4612.2713.416.02

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 18.62% (+3.45pp change). FIIs: 56.14% (+1.47pp change). Promoters hold 20.3%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 22.1x with 11.5% ROCE. Price is 167% above book value of ₹349. Dividend yield: 1.16%.

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