Financial Services · NSE/BSE: SHRIRAMFIN
Shriram Finance Limited
Non Banking Financial Company (NBFC)
Market Cap ₹2.36L Cr
Verdict: Exceptional
Quality Scores
Multi-Bagger
78/100
Compounder Quality
89/100
Management Credibility
92/100
Governance
85/100
Cash Flow Quality
65/100
AI Summary
Shriram Finance Limited (SFL) has transformed into India’s largest retail asset financing NBFC following the mega-merger of Shriram Transport and Shriram City Union Finance. The company commands a dominant position in the pre-owned commercial vehicle (CV) financing niche, leveraging a massive pan-India network of 1,758+ branches. With an AUM exceeding ₹2.6 trillion, SFL demonstrates high-scale efficiencies and a successful transition from a mono-line truck financier to a multi-product retail lending powerhouse. The financial profile is characterized by robust profit growth (32% CAGR over 5…
Top Opportunities
- Consistent profit growth of 32% CAGR over last 5 years
- Successful merger and integration of group finance entities
- Diversified AUM spanning CVs, MSME, Gold, and Personal loans
Top Risks
- Recent sharp drop in promoter holding (-5.08% in one quarter)
- High debt-to-equity ratio typical of large NBFCs
- Low interest coverage ratio reported as a machine-generated con
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