Shriram Finance Ltd (SHRIRAMFIN) — share price & stock analysis

Market cap

₹2,46,609 Cr

P/BV

2.99×

ROE

16.4%

vs own 10-yr valuation

88th pctile

Book value / share

₹350

EPS (TTM)

₹53.4

10-yr median P/BV

2×

Revenue (FY26)

₹48,135 Cr

Profit after tax (FY26)

₹10,024 Cr

Weinstein stage

Stage 2 (37 weeks)

Data as of

1 July 2026

5 of the 5 things we track are currently moving the right way — nearly everything is pulling in the same direction.

Where the levels actually stand: ROE 16% — a genuinely good bank; GNPA 4.5% — still elevated; the spread is mid-band vs its own history. Momentum says which way things are moving; these say where they are.

Read this number for what it is: it measures the DIRECTION of change, not the quality of the business. A mediocre business getting better scores high here; a great one having a soft quarter scores low. Profit, lending and bad loans count double.

The profits have outrun the price

Since Jun 2016, earnings per share grew 469% while the stock is up 338%. The business has outrun its own share price.pricettm_eps

When profits grow faster than the price, the stock quietly gets cheaper while doing better — the market hasn’t fully caught up.

Today’s P/BV of 3× means the market is paying up — this is the expensive end of its own 10-year history (88th percentile).pb_ratio

Price is the weekly close (₹). EPS is trailing-twelve-month profit per share, anchored on Screener's own snapshots; between snapshots it is filled from price ÷ P/E (an exact identity), and any fill straying more than 18% from the neighbouring snapshots is dropped rather than shown. The lower panel is the P/BV — what the market pays per rupee of book value; the dotted line is its long-run median (2×).

The price is in a confirmed uptrend — 37 weeks and counting

Stock prices move through four repeating stages: basing (1), advancing (2), topping (3) and declining (4). This one is in Stage 2: advancing, 37 weeks in, confirmed.stage

The price sits above its rising 200-day average (₹903 today) — trends like this persist more often than they reverse, which is why the system rides them instead of guessing the top.dma_200

Beating NIFTY 500 for 44 weeks — relative strength is the market’s live opinion, and right now it is on this stock’s side.rs_mansfield

What would end it: two Friday closes in a row below the 200-day line. That is the house exit rule — mechanical, no debates.dma_200

Profits have grown in 9 of the last 12 years — this is a compounding machine

Over 12 years, income went from ₹8,476 Cr to ₹48,135 Cr (about 16% a year), and profit from ₹1,358 Cr to ₹10,024 Cr.revenuenet_profit

Margins widened 5.1 points along the way — growth with improving economics.revenue−interest_expense

Interest income grew 9% — steady, not spectacular

Mar 26 income was ₹12,513 Cr, up 9% on a year ago. A bank grows by lending more and charging well — this line is both together.revenue

The squeeze is easing — the spread bottomed at 53% and is mending

Of every ₹100 of interest the bank earns, ₹43 goes straight out as interest on deposits and borrowings. It keeps ₹57 — up 3 points from a year ago.revenueinterest_expense

The visible arc: squeezed from 56% down to 53% (Jun 25) as deposits repriced faster than loans, and recovering since. The direction matters more than the level now.interest_expense

Bad loans are healing — from a worst of 6.2% (Mar 23) to 4.5%

₹4.5 of every ₹100 lent is currently stuck with borrowers who’ve stopped paying — down from ₹6.2 at the Mar 23 worst. After the money already set aside, the true exposure is 2.4%.gross_npa_pctnet_npa_pct

Falling bad loans do double duty: less money set aside for losses flows straight back into profit — and the profit bridge this year shows exactly that. The tailwind eventually runs out; the loan book has to take over.gross_npa_pctnet_profit

Profit exploded 41% year on year

Mar 26 profit was ₹3,021 Cr, up 41% on last year — earnings per share of ₹16.06.net_profiteps

You are paying near the top of its own range

Today you pay ₹2.99 for every ₹1 of book value, against a long-run median of ₹2.00. It has traded cheaper than this only 88% of the time since 2016.pb_ratio

Promoter holding dropped in one step — an event, not a slow exit

Promoters hold 20.3% (down 5.1 points over 8 quarters). Foreign funds own 56.1%, domestic funds 18.6%.promoters_pctfiis_pctdiis_pct

The promoter move came in a single step (Apr 26) — promoters rarely buy on-market, so a jump like this is almost always an allotment, infusion or restructuring: a capital event, not a slow accumulation of conviction. Worth knowing which, before reading it as a signal.promoters_pct

A good business — the question is the price

The numbers are genuinely mixed, and the price hasn’t fully caught up with the improvement.

Best thing in the data: profit rising (₹2,144 Cr → ₹3,021 Cr).net_profit

Biggest worry: promoter holding falling (25.4% → 20.3%).promoters_pct

Machine-written research from Screener data — every number traces to its source column. Sector Alpha is not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell. Not investment advice.

Straight answers from the data