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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Shriram Finance Limited is an India-based retail asset financing non-banking finance company (NBFC). The Company is a finance provider catering to the needs of small road transport operators and small business owners and is engaged in organized financing of pre-owned…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, steadily growing business, priced for perfection — carrying meaningful debt.
Shriram Finance is scored on the nbfc / financials framework. It keeps a fat 20.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 17%/yr and profit at 19%/yr. Book value has grown 15%/yr. Return on equity is a modest 11.4%. In the latest quarter profit grew 7% versus the prior quarter.
At 18× earnings, the stock sits at the 83rd percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~7%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 17.8 | 11.61 | worse |
| P/B | 2.03 | 1.4 | worse |
| EV/EBITDA | 11.76 | 13.86 | better |
| ROE | 11.39 | — | — |
| ROCE | 10.81 | — | — |
| ROA | 3.57 | — | — |
| Quick Ratio | 3.57 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| JIO FIN Services | 92.2 | 1.2 | 1.3% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 16% CAGR over 3 years — steady double-digit compounder.
Net profit has risen every year — the hallmark of a compounder.
Operating margins have been stable around 28% — no major structural shift.
ROE at 15% — a respectable return on shareholder capital. ROE powered by fat margins — the hallmark of a high-quality franchise with pricing power. Low variance across years — a predictable business that earns steadily on its equity base.
Profit grew faster than EPS (19% vs -31%) — share dilution is eroding per-share value. -31% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Run-rate stepping up — recent quarters average 10% above earlier ones.
Quarterly net margins are expanding (21% → 27%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 20.3% — widely held; sentiment-driven. Promoters reduced 5.1pp over 4 quarters — watch whether this is planned divestment or pledge invocations. FII stake up 10.5pp over 4 quarters — growing foreign interest. MF stake down 3.2pp — domestic funds are booking profits or rebalancing out.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.