Shriram Finance Limited (SHRIRAMFIN.NS) stock analysis

In our weekly check, Shriram Finance Limited is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 2, red flags: 4.

About Shriram Finance Limited

Shriram Finance Limited is a Financial Services company (Financial - Credit Services) based in India, listed on NSE as SHRIRAMFIN.NS.

What our checks show for SHRIRAMFIN.NS

Red flags

• Analysts expect revenue to shrink about 2.3% a year.
• The stock has fallen as much as 72% from a peak. Would you have held through that?
• Return on capital (ROCE) is zero or negative: the business does not earn on the money put into it.

Warning signs

• The price swings a lot: 36.1% annual volatility. Expect large ups and downs.
• Recovering from its deepest fall took about 1.6 years.

Strengths

• The net margin rose by 8.7 points over 5 years, to 22.8%.
• The gross margin is 55.1% and has risen by 5.5 points: pricing power is holding.
• Operating cash flow is 1.67x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 14.8% a year over the next years.
• Analysts expect the net margin to improve by 10.7 points from today's 22.8%.
• Revenue grew 18.4% a year over the last 3 years.

Similar companies

8593.T · CHOLAFIN.NS · PFC.NS · V · BAJFINANCE.NS · 8591.T

Questions

What grade does Shriram Finance Limited (SHRIRAMFIN.NS) have?

In our weekly check, Shriram Finance Limited is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 2, red flags: 4. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of SHRIRAMFIN.NS stock?

This week's biggest flags for Shriram Finance Limited: Weak revenue forecast, Deep past fall, Low return on capital. In total 6 of 25 checks show a warning or a red flag.

What does Shriram Finance Limited do?

Shriram Finance Limited is a Financial Services company (Financial - Credit Services) based in India, listed on NSE as SHRIRAMFIN.NS.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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