Cash flow Shriram Finance Limited

Stocks

SHRIRAMFIN

INE721A01047

Consumer Lending

Market Closed - Bombay S.E. Other stock markets 14:00:51 14/07/2026 +04			5-day change	1st Jan Change
1,013.35 ^INR	-3.32%		-4.76%	+1.73%

08:42am	New bids from Fairfax and Emirates revive stalled IDBI Bank sale, sources say	RE
07-10	Shriram Finance Limited Declares Final Dividend for the Financial Year Ended March 31, 2026	CI

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Published financial data: SHRIRAM FINANCE LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest and Dividend Income, Total	186B	292B	347B	403B	467B
Interest Expense, Total	97.34B	129B	155B	185B	215B
Net Interest Income	89.12B	163B	192B	219B	251B
Commission and Fees	1B	2.67B	5.42B	6.82B	4.94B
Gain (Loss) on Sale of Investments, Total (Rev)	2.37B	3.97B	1.45B	2.77B	3.4B
Other Revenues, Total	2.22B	2.63B	5.28B	808M	730M
Revenues Before Provison For Loan Losses	94.71B	172B	204B	229B	260B
Provision For Loan Losses	38.65B	38.35B	42.81B	49.95B	53.1B
Total Revenues	56.06B	134B	161B	179B	207B
Salaries And Other Employee Benefits	9.97B	26.36B	34.72B	36.51B	41.31B
Cost of Services Provided, Total	2.58B	6.58B	9.1B	12.14B	13.32B
Depreciation & Amortization - (IS) - (Collected)	1.35B	6.01B	5.88B	6.45B	6.99B
Provision for Bad Debts	-	-	-	-	-
Other Operating Expenses	6.69B	12.38B	11.5B	14B	12.41B
Total Operating Expenses	20.6B	51.33B	61.19B	69.1B	74.03B
Operating Income	35.46B	82.41B	99.94B	110B	133B
Income (Loss) on Equity Invest.	132M	85.6M	77.8M	123M	205M
Other Non Operating Income (Expenses)	40M	158M	137M	-39.5M	-28M
EBT, Excl. Unusual Items	35.63B	82.65B	100B	110B	134B
Gain (Loss) on Sale of Investments	20M	-46.4M	-357M	-261M	-306M
Gain (Loss) on Sale of Assets	-7.9M	-10M	12.5M	-79.1M	-51.3M
Asset Writedown	-18.4M	-370M	-126M	-17M	60.9M
Other Unusual Items	-	-	-	15.54B	-
EBT, Incl. Unusual Items	35.62B	82.22B	99.68B	125B	133B
Income Tax Expense	8.41B	22.02B	25.69B	30.8B	32.96B
Earnings From Continuing Operations	27.21B	60.2B	73.99B	94.36B	100B
Earnings Of Discontinued Operations	-	-	-	1.41B	-5.5M
Net Income to Company	27.21B	60.2B	73.99B	95.76B	100B
Minority Interest	-	-89.9M	-325M	-225M	100K
Net Income - (IS)	27.21B	60.11B	73.66B	95.54B	100B
Net Income to Common Incl Extra Items	27.21B	60.11B	73.66B	95.54B	100B
Net Income to Common Excl. Extra Items	27.21B	60.11B	73.66B	94.13B	100B
Per Share Items
Net EPS - Basic	20.44	32.11	39.27	50.82	53.29
Basic EPS - Continuing Operations	20.44	32.11	39.27	50.07	53.29
Basic Weighted Average Shares Outstanding	1.33B	1.87B	1.88B	1.88B	1.88B
Net EPS - Diluted	20.44	31.97	39.14	50.75	23.25
Diluted EPS - Continuing Operations	20.44	31.97	39.14	50	23.25
Diluted Weighted Average Shares Outstanding	1.33B	1.88B	1.88B	1.88B	1.88B
Normalized Basic EPS	16.73	27.55	33.19	36.44	44.36
Normalized Diluted EPS	16.73	27.42	33.09	36.39	44.32
Dividend Per Share	4	7	9	9.9	10.8
Payout Ratio	31.3	9.36	25.45	19.46	14.62
Supplemental Items
Total Revenues (As Reported)	193B	305B	364B	419B	482B
Effective Tax Rate - (Ratio)	23.62	26.78	25.77	24.61	24.74
Current Domestic Taxes	-	-	-	35.91B	41.61B
Total Current Taxes	10.3B	29.23B	34.51B	35.91B	41.61B
Deferred Domestic Taxes	-	-	-	-5.11B	-8.65B
Total Deferred Taxes	-1.89B	-7.21B	-8.82B	-5.11B	-8.65B
Normalized Net Income	22.27B	51.57B	62.27B	68.51B	83.44B
Non-Cash Pension Expense	1.3M	-4.7M	4.3M	38.4M	1.5B
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	1.68B	105M	2.6M	281M
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	1.68B	105M	2.6M	281M

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	107B	99.33B	61.82B	107B	57.46B
Long-Term Investments - (FS Template)	69.71B	74.3B	94.72B	158B	150B
Trading Asset Securities, Total	2.01B	6.69B	3.26B	2.5B	46.84B
Loans and Lease Receivables - (FS Template)	1,167B	1,787B	2,187B	2,454B	2,825B
Other Receivables	3.97B	7.74B	6.3B	41.33B	41.02B
Gross Property Plant And Equipment	5.53B	17.58B	21.64B	23.39B	26.67B
Accumulated Depreciation	-1.4B	-10.07B	-12.23B	-13.13B	-15.58B
Net Property Plant And Equipment	4.13B	7.51B	9.41B	10.26B	11.09B
Goodwill	-	17.41B	17.41B	11.89B	11.89B
Other Intangibles, Total	30.4M	12.85B	10.35B	6.99B	3.37B
Other Current Assets, Total	60.81B	72.59B	60.49B	108B	23.85B
Deferred Tax Assets Long-Term (Collected)	8.69B	19.82B	30.69B	36.95B	42.64B
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	44.2M	908M	1.24B	345M	1.13B
Total Assets	1,423B	2,106B	2,483B	2,937B	3,214B
Liabilities
Interest Bearing Deposits	219B	361B	444B	561B	695B
Deposits	219B	361B	444B	561B	695B
Accounts Payable, Total	1.66B	3.13B	2.46B	2.99B	3.32B
Accrued Expenses, Total	3.64B	6.37B	8.66B	9.63B	10.14B
Short-Term Borrowings	4.85B	5.16B	30.49B	1.19B	903M
Current Portion of Long-Term Debt	316B	520B	500B	503B	599B
Current Portion of Leases	749M	874M	-	1.38B	1.62B
Long-Term Debt	605B	756B	982B	1,278B	1,213B
Long-Term Leases	2.74B	5.15B	6.99B	5.81B	6.13B
Current Income Taxes Payable	368M	1.61B	2.38B	390M	4.05B
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	4.49B	5.39B	5.29B	1.83B	1.94B
Unearned Revenue Non Current	-	-	-	158M	14.1M
Pension & Other Post Retirement Benefits	22.4M	28.8M	376M	276M	700K
Deferred Tax Liability Non-Current	-	275M	-	-	-
Other Non Current Liabilities	2.8B	2.59B	3.34B	6.91B	19.51B
Total Liabilities	1,162B	1,668B	1,986B	2,373B	2,555B
Common Stock, Total	2.71B	3.74B	3.76B	3.76B	3.76B
Additional Paid In Capital	56.62B	174B	176B	175B	176B
Retained Earnings	200B	252B	310B	388B	473B
Comprehensive Income and Other	1.64B	5.27B	264M	-2.13B	6.71B
Total Common Equity	261B	435B	489B	565B	659B
Minority Interest	-	2.87B	7.3B	-	-
Total Equity	261B	438B	497B	565B	659B
Total Liabilities And Equity	1,423B	2,106B	2,483B	2,937B	3,214B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.35B	1.87B	1.88B	1.88B	2.35B
ECS Total Common Shares Outstanding	1.35B	1.87B	1.88B	1.88B	1.88B
Book Value / Share	192.92	232.42	260.5	300.31	350.34
Tangible Book Value	261B	405B	462B	546B	644B
Tangible Book Value Per Share	192.9	216.26	245.73	290.27	342.23
Total Debt	929B	1,287B	1,519B	1,789B	1,821B
Debt Equivalent of Unfunded Proj. Benefit Obligation	22.4M	28.9M	376M	276M	-189M
Net Debt	821B	1,181B	1,454B	1,680B	1,716B
Equity Method Investments, Total	1.75B	1.84B	1.91B	2.03B	2.22B
Full Time Employees	25.46K	64.05K	74.64K	79.87K	76.24K

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	27.21B	60.11B	73.66B	95.54B	100B
Depreciation, Depletion & Amortization	1.34B	2.29B	2.58B	2.8B	3.32B
Amortization of Goodwill and Intangible Assets - (CF)	-	3.65B	3.03B	3.03B	3.03B
Total Depreciation, Depletion & Amortization	1.34B	5.95B	5.6B	5.82B	6.34B
Amortization of Deferred Charges, Total	15.7M	60.6M	272M	629M	644M
(Gain) Loss On Sale of Asset - (CF)	7.9M	10M	-12.5M	79.1M	51.3M
(Gain) Loss on Sale of Investments - (CF)	-2.39B	-3.91B	-6.62B	-3.84B	-3.1B
Total Asset Writedown	18.4M	320M	97.8M	17M	-60.9M
Provision for Credit Losses	38.65B	41.33B	45.12B	52.79B	53.1B
Stock-Based Compensation (CF)	-	1.68B	105M	2.6M	281M
Change in Accounts Payable	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-164B	-271B	-426B	-579B	-309B
Other Operating Activities	10.3B	-11.19B	-3.52B	5.21B	18.43B
Net Cash From Discontinued Operations	-	-	-	-14.08B	-5.5M
Cash from Operations	-88.59B	-176B	-311B	-437B	-133B
Capital Expenditure	-358M	-1.97B	-1.85B	-2.24B	-1.91B
Sale of Property, Plant, and Equipment	14.2M	35.5M	56.8M	37M	25.9M
Cash Acquisitions	-	-	-	-	-501M
Divestitures	-	-	-	39.29B	15.8M
Purchase / Sale of Intangible Assets	-	-	-801M	-310M	-50.2M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	16M	-	-
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Other Investing Activities, Total	-	-	-	-169M	-6.3M
Cash from Investing	-343M	-1.93B	-2.58B	36.61B	-2.43B
Long-Term Debt Issued, Total	581B	749B	1,061B	1,110B	585B
Total Debt Issued	581B	749B	1,061B	1,110B	585B
Long-Term Debt Repaid, Total	-566B	-688B	-847B	-769B	-565B
Total Debt Repaid	-566B	-688B	-847B	-769B	-565B
Issuance of Common Stock	25B	129M	305M	55M	45.7M
Common Dividends Paid	-8.52B	-5.63B	-18.75B	-18.59B	-14.65B
Common & Preferred Stock Dividends Paid	-8.52B	-5.63B	-18.75B	-18.59B	-14.65B
Other Financing Activities, Total	53.9B	63.13B	80.9B	122B	80.48B
Cash from Financing	85.05B	118B	276B	445B	85.87B
Miscellaneous Cash Flow Adjustments	-	52.69B	-	-	18.9M
Net Change in Cash	-3.88B	-7.3B	-37.5B	44.99B	-49.36B
Supplemental Items
Cash Interest Paid	85.88B	116B	136B	-	-
Cash Income Tax Paid (Refund)	11.52B	32.67B	34.42B	35.91B	39.68B
Net Debt Issued / Repaid	14.67B	60.56B	214B	341B	19.99B

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	2	3.41	3.22	3.48	3.26
Return On Equity %	11.38	17.23	15.83	17.78	16.38
Return on Common Equity	11.38	17.27	15.93	17.86	16.38
Margin Analysis
Gross Profit Margin %	97.28	96.82	96.51	96.03	96.4
SG&A Margin	19.67	21.46	23.7	23.22	22.75
Income From Continuing Operations Margin %	48.54	45.01	45.92	52.72	48.35
Net Income Margin %	48.54	44.95	45.72	53.38	48.34
Net Avail. For Common Margin %	48.54	44.95	45.72	52.59	48.35
Normalized Net Income Margin	39.73	38.56	38.65	38.27	40.24
Asset Turnover
Asset Turnover	0.04	0.08	0.07	0.07	0.07
Short Term Liquidity
Current Ratio	2.43	2.18	2.33	2.51	2.27
Quick Ratio	2.32	2.1	2.27	2.41	2.26
Operating Cash Flow to Current Liabilities	-0.16	-0.19	-0.31	-0.4	-0.1
Long Term Solvency
Total Debt/Equity	356.12	293.89	305.77	316.89	276.22
Total Debt / Total Capital	78.08	74.61	75.36	76.01	73.42
LT Debt/Equity	232.78	173.79	199.05	227.35	184.94
Long-Term Debt / Total Capital	51.03	44.12	49.06	54.53	49.16
Total Liabilities / Total Assets	81.66	79.2	79.99	80.77	79.49
Tier 1 Capital Ratio %	20.7	21.2	19.55	20.03	19.8
Total Capital Ratio %	22.97	22.61	20.3	20.66	20.4
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	8.67	119.31	20.48	15.9	17.71
Gross Profit, 1 Yr. Growth %	8.62	117.79	20.1	15.34	18.24
Earnings From Cont. Operations, 1 Yr. Growth %	8.89	121.24	22.9	31.08	6.24
Net Income, 1 Yr. Growth %	8.89	120.9	22.55	29.69	4.92
Normalized Net Income, 1 Yr. Growth %	8.44	131.56	20.75	13.27	21.8
Diluted EPS Before Extra, 1 Yr. Growth %	0.77	56.36	22.44	31.33	-53.5
Common Equity, 1 Yr. Growth %	20.15	66.75	12.49	15.37	16.73
Total Assets, 1 Yr. Growth %	9.51	48.03	17.9	18.31	9.31
Tangible Book Value, 1 Yr. Growth %	20.15	55.18	14.04	18.21	17.97
Cash From Operations, 1 Yr. Growth %	109	98.95	76.46	39.62	-69.6
Capital Expenditures, 1 Yr. Growth %	38.46	449.9	50.81	34.74	-14.48
Dividend Per Share, 1 Yr. Growth %	11.11	75	28.57	10	9.09
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-17.41	61.02	62.55	15.69	15.87
Gross Profit, 2 Yr. CAGR %	-17.97	60.6	61.72	15.22	15.82
Earnings From Cont. Operations, 2 Yr. CAGR %	4.07	55.21	64.9	25.19	18.01
Net Income, 2 Yr. CAGR %	4.07	55.1	64.53	26.07	16.65
Normalized Net Income, 2 Yr. CAGR %	1.66	58.46	67.22	15.26	17.46
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.92	25.52	38.36	25.07	-21.86
Common Equity, 2 Yr. CAGR %	19.93	41.55	36.96	13.92	16.05
Total Assets, 2 Yr. CAGR %	11.58	27.32	32.1	18.1	13.78
Tangible Book Value, 2 Yr. CAGR %	19.93	36.55	33.03	16.11	18.09
Cash From Operations, 2 Yr. CAGR %	89.63	103.91	87.37	57.43	-34.85
Capital Expenditures, 2 Yr. CAGR %	-21.35	175.93	127.73	34.86	7.35
Dividend Per Share, 2 Yr. CAGR %	100	39.44	50	18.92	9.54
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	0.25	17.62	46.18	43.18	15.74
Gross Profit, 3 Yr. CAGR %	-0.02	16.91	45.77	42.46	15.58
Earnings From Cont. Operations, 3 Yr. CAGR %	1.85	33.82	43.6	51.36	18.53
Net Income, 3 Yr. CAGR %	1.85	33.75	43.39	51.99	18.59
Normalized Net Income, 3 Yr. CAGR %	-2.04	33.75	44.74	45.44	17.4
Diluted EPS Before Extra, 3 Yr. CAGR %	-3.43	13.02	24.49	34.73	-10.07
Common Equity, 3 Yr. CAGR %	17.8	33.86	31.11	29.35	14.85
Total Assets, 3 Yr. CAGR %	10.51	22.61	24.1	27.33	15.13
Tangible Book Value, 3 Yr. CAGR %	17.8	30.69	28.59	27.89	16.73
Cash From Operations, 3 Yr. CAGR %	16.97	92.69	94.32	70.21	-9
Capital Expenditures, 3 Yr. CAGR %	-22.89	50.39	92.93	84.24	15.86
Dividend Per Share, 3 Yr. CAGR %	18.56	91.29	35.72	35.27	15.55
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	3.84	20.09	23.7	16.85	32.08
Gross Profit, 5 Yr. CAGR %	3.49	19.83	23.3	16.23	31.83
Earnings From Cont. Operations, 5 Yr. CAGR %	16.54	18.75	23.5	30.3	32.03
Net Income, 5 Yr. CAGR %	16.54	18.72	23.39	30.62	32.03
Normalized Net Income, 5 Yr. CAGR %	12.95	16.93	21.32	26.03	32.36
Diluted EPS Before Extra, 5 Yr. CAGR %	12.88	7.3	11.51	17.69	2.76
Common Equity, 5 Yr. CAGR %	18.15	26.02	25.12	25.49	24.86
Total Assets, 5 Yr. CAGR %	13.83	16.69	18.69	20.78	19.86
Tangible Book Value, 5 Yr. CAGR %	18.15	24.22	23.67	24.65	24.28
Cash From Operations, 5 Yr. CAGR %	27.04	6.05	41.23	77.73	25.66
Capital Expenditures, 5 Yr. CAGR %	14.87	24.23	18.92	31.07	49.25
Dividend Per Share, 5 Yr. CAGR %	14.87	26.05	30.26	58.17	24.57