Shriram Finance Q1 FY27 Share Price & Earnings Call Analysis

Financials of Shriram Finance

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Shriram Finance

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +7,9668,0038,5558,9229,4849,60510,09010,69811,45411,53611,91212,17112,513
Interest3,3613,4883,6223,7073,9884,1294,3504,7515,2245,4015,5255,2595,336
Expenses +2,3412,1412,4542,6342,7122,6612,8363,0333,2933,0623,1093,3973,104
Financing Profit2,2652,3742,4802,5812,7832,8152,9032,9142,9373,0733,2793,5144,073
Financing Margin %28%30%29%29%29%29%29%27%26%27%28%29%33%
Other Income +134147598754861,5746692618
Depreciation427132137147153153159162171173174177175
Profit before tax1,8512,2832,3912,4942,7172,7152,8304,3262,7722,9063,1133,3633,917
Tax %31%25%25%25%26%25%24%25%23%26%26%25%23%
Net Profit +1,2881,7121,7921,8742,0212,0312,1533,2492,1442,1592,3142,5303,021
EPS in Rs6.869.109.529.9410.6910.7611.3917.2711.4011.4812.3013.4516.06
Gross NPA %
Net NPA %

Financials of Shriram Finance

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +9,17710,35910,90313,50215,53616,56117,42219,25530,49234,97343,94148,133
Interest4,7065,0885,2196,4097,5648,3139,0899,77312,98714,86818,52921,521
Expenses +2,7813,4473,7123,2884,1714,6834,9325,8168,7069,87712,27912,673
Financing Profit1,6911,8241,9723,8053,8013,5653,4023,6668,79910,22813,13213,939
Financing Margin %18%18%18%28%24%22%20%19%29%29%30%29%
Other Income +231127201414181622515759
Depreciation4338353743141137135601569645699
Profit before tax1,6501,7891,9383,8963,7783,4393,2783,5498,2149,88412,64413,300
Tax %38%34%35%35%32%27%24%24%27%25%24%25%
Net Profit +1,0281,1841,2662,5492,5762,5122,4992,7216,0207,3999,57610,024
EPS in Rs8.139.3510.0020.1420.3619.8617.7120.1232.1139.2050.8153.28
Dividend Payout %22%19%7%10%11%5%18%20%22%23%19%20%

Financials of Shriram Finance

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital227227227227227227253271374376376376
Reserves9,0399,94911,10513,46315,73617,91521,46425,82443,13848,57156,09465,542
Borrowing46,69549,79053,08082,13187,91494,735106,546114,846164,202195,496234,197250,692
Other Liabilities +6,1938,04810,0341,5391,5421,3891,6471,3282,8583,8233,0554,764
Total Liabilities62,15468,01374,44697,360105,419114,266129,910142,268210,573248,266293,722321,375
Fixed Assets +1541521361221474894374183,7143,7182,9142,635
CWIP0000000066000
Investments3,0371,3401,5182,4564,1262,9363,3476,9717,4309,47215,78814,993
Other Assets +58,96266,52272,79194,782101,146110,841126,126134,879199,363235,077275,020303,746
Total Assets62,15468,01374,44697,360105,419114,266129,910142,268210,573248,266293,722321,375

Financials of Shriram Finance

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-9,611-5,507-2,677-13,142-5,535-2,464-4,239-8,859-17,625-31,118-43,652-13,281
Cash from Investing Activity +-45-36-286-76-55-25-345,076-4273,630-243
Cash from Financing Activity +7,8362,8223,01713,0145,5504,57912,2268,50511,82027,62644,5218,587
Net Cash Flow-1,819-2,721338-42-622,0607,962-388-730-3,9194,499-4,937
Free Cash Flow-9,655-5,543-2,695-13,208-5,611-2,519-4,264-8,893-17,818-31,361-43,903-13,475
CFO/OP-141%-72%-28%-120%-37%-12%-24%-57%-66%-110%-126%-26%

Financials of Shriram Finance

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %12%12%12%20%17%15%13%11%17%15%16%16%

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What Shriram Finance's management said in earlier quarters

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