ScoreWhy is Shriram Finance Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 13.77%
2
Healthy long term growth as Net Sales has grown by an annual rate of 22.77% and Operating profit at 24.06%
3
The company has declared Positive results for the last 11 consecutive quarters
- OPERATING CF(Y) Highest at Rs -13,281.43 Cr
- NET SALES(Q) Highest at Rs 13,400.43 cr
- PBT LESS OI(Q) Highest at Rs 4,607.41 cr.
4
Stock is technically in a Mildly Bullish range
- Multiple factors for the stock are Bullish like MACD, KST, DOW and OBV
5
With ROE of 15.2, it has a Very Expensive valuation with a 3.7 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 72.49%, its profits have risen by 33.8% ; the PEG ratio of the company is 3.1
6
High Institutional Holdings at 74.66%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Market Beating performance in long term as well as near term
- Along with generating 72.49% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Shriram Finance should be less than 10%
- Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Shriram Finance for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Shriram Finance
40.59%
1.90
38.08%
Sensex
-11.8%
-0.48
13.44%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
20
Price to Book Value
3.28
EV to EBIT
12.66
EV to EBITDA
12.42
EV to Capital Employed
1.49
EV to Sales
9.19
PEG Ratio
2.75
Dividend Yield
1.07%
ROCE (Latest)
11.26%
ROE (Latest)
15.21%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
OPERATING CF(Y)
Highest at Rs -13,281.43 Cr
NET SALES(Q)
Highest at Rs 13,400.43 cr
PBT LESS OI(Q)
Highest at Rs 4,607.41 cr.
PAT(Q)
Highest at Rs 3,452.77 cr.
DEBT-EQUITY RATIO(HY)
Lowest at 3.80 times
PBDIT(Q)
Highest at Rs 9,994.65 cr.
-1What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 7,943.13 cr
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Here's what is working for Shriram Finance
Net Sales - Quarterly
Highest at Rs 13,400.43 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 4,607.41 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 3,452.77 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Cash Flow - Annually
Highest at Rs -13,281.43 Cr
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 9,994.65 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 4,607.41 cr has Grown at 39.2% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 3,310.26 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 3,452.77 cr has Grown at 37.8% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 2,506.14 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Debt-Equity Ratio - Half Yearly
Lowest at 3.80 times
in the last five half yearly periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Here's what is not working for Shriram Finance
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 7,943.13 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
