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Shriram Finance Limited (511218) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Shriram Finance Limited

511218Market cap $24BPrice $10.1

Country🇮🇳India

SectorFinancials

IndustryConsumer Finance

Provides loans for commercial vehicles, gold, and small businesses across India, reaching millions who traditional banks often overlook. It's one of the country's largest asset-financing NBFCs, turning informal borrowers into a massive credit market.

In Bastion Portfolios?

52W Return+32%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+11%7

Revenue Forecast

Rev CAGR (1y)+61%10

Rev CAGR (3y)+31%10

Rev CAGR (5y)+25%10

Earnings Forecast

EPS Growth Y+1+9%6

EPS Growth Y+2+19%8

EPS Growth Y+3+20%8

Quality

Margins

EBIT Margin0%8

Net Income Margin50%10

Free Cash Flow Margin-60%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE18%8

ROAna–

Earnings Stability88

GEAR+STRONG68

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)165

P/E Ratio (Forward 3y)117

P/BV3.44

EV Multiples

EV/EBITDA Fwd05

EV/EBIT Fwd05

Yield

Free Cash Flow Yield0.0%5

Dividend Yieldna–

Momentum

Short term

1 month return-7%4

3 month return-10%3

YTD return-3%4

Mid term

Price vs 52wHigh84%6

1 year return+46%9

Long term

3 year return+174%9

5 year return+292%9

Risk Shield

Price Risk

Beta0.94

Volatility35%5

Free Cash Flow

Free Cash Flow Margin-60%1

Free Cash Flow Yield0.0%5

Quality

ROCE16%–

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

511218Shriram Finance

Revenue FY26$2.2B

GROWTH RATING↗

VERY STRONG95 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%7

Revenue, next 1Y+61%10

Revenue, next 3Y, CAGR+31%10

Revenue, next 5Y, CAGR+25%10

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+9%6

EPS growth, FY28E+19%8

EPS growth, FY29E+20%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 95% of companies worldwide.

Revenue grew 11%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

Revenue is set to grow 31%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 11%/yr over the last 3 years and is set to grow 31%/yr from here.

The runway holds up: revenue is set to grow 25%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 19%/yr vs revenue 31%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

511218Shriram Finance

Total return Current248%

Price return Current203%

MOMENTUM RATING↗

AVERAGE65 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return-10%3

YTD return-3%4

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return+46%9

3-year return+174%9

5-year return+292%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +174% over three years and +292% over five, ahead of 80% of the market.

It's up 46% over the past year, but 16% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level over the past month (-7%) and so far this year (-3%).

WEAKNESSES

The stock is underperforming over three months (-10%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Shriram Finance. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

511218Shriram Finance

Revenue FY26$2.2B

GROWTH RATING↗

VERY STRONG95 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%7

Revenue, next 1Y+61%10

Revenue, next 3Y, CAGR+31%10

Revenue, next 5Y, CAGR+25%10

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+9%6

EPS growth, FY28E+19%8

EPS growth, FY29E+20%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 95% of companies worldwide.

Revenue grew 11%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

Revenue is set to grow 31%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 11%/yr over the last 3 years and is set to grow 31%/yr from here.

The runway holds up: revenue is set to grow 25%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 19%/yr vs revenue 31%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

511218Shriram Finance

Total return Current248%

Price return Current203%

MOMENTUM RATING↗

AVERAGE65 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return-10%3

YTD return-3%4

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return+46%9

3-year return+174%9

5-year return+292%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +174% over three years and +292% over five, ahead of 80% of the market.

It's up 46% over the past year, but 16% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level over the past month (-7%) and so far this year (-3%).

WEAKNESSES

The stock is underperforming over three months (-10%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Shriram Finance. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community