Shriram Finance LimitedSHRIRAMFINBank / NBFC

Financial Services Credit Services Latest results: Jun 2026 15 quarters of data

₹939.95

MCap ₹221,174 Cr · P/E 19.5

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₹13,400 Cr

Interest Earned · Jun 2026

+19.9% YoY

₹4,626 Cr

Operating Profit · Jun 2026

+10.4% YoY

₹3,453 Cr

Net Profit · Jun 2026

+59.9% YoY

₹14.86

EPS · Jun 2026

+29.4% YoY

—

Gross NPA % · Jun 2026

—

Net NPA % · Jun 2026

📝 Shriram Finance Limited — results explained

Quarter ended June 2026 (Q1 FY27)

Shriram Finance Limited reported total income of ₹13,419 crore for the quarter ended June 2026 (Q1 FY27), up 16.3% from ₹11,542 crore in the same quarter last year, and up 7.1% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹13,400 crore and other income ₹18 crore. Net interest income (interest earned minus interest expended of ₹5,204 crore) worked out to ₹8,196 crore.

Net profit rose 59.9% year-on-year to ₹3,453 crore, from ₹2,159 crore. Earnings per share (EPS) came in at ₹14.86.

Full year and trailing twelve months

For the full year FY26, Shriram Finance Limited posted total income of ₹48,191 crore, a growth of 15.1% over FY25, with a net profit of ₹10,024 crore (up 4.7% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹50,068 crore with a net profit of ₹11,318 crore.

Valuation snapshot

At the current price of ₹939.95, SHRIRAMFIN has a market capitalisation of ₹221,174 crore and a trailing P/E of about 19.5.

Within the Credit Services industry, it is the 2nd-largest of the 23 companies we track by market value.

Shareholding pattern

As of Jun 2026, promoters held 20.30%, foreign institutional investors (FIIs) 54.77%, domestic institutional investors (DIIs) 19.90%, public shareholders 5.04% of Shriram Finance Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close

Valuation

Market Cap ?

₹221,174 Cr

Current Price ?

₹940.0

P/E ?

19.54above ind

Industry P/E ?

15.80

P/B ?

3.36

P/S ?

4.42

P/FCF ?

-16.41

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

1.03

Earnings Yield ?

5.1%

Dividend Yield ?

1.15%

Profitability & Returns

Total Income (TTM) ?

₹50,068 Cr

OPM ?

N/A

Profit after tax (TTM) ?

₹11,318 Cr

EPS (TTM) ?

₹48.10

ROCE ?

N/A

ROE ?

17.2%

ROA ?

3.5%

Gross NPA % ?

N/A

Net NPA % ?

N/A

Growth

Total Income — latest qtr ?

₹13,419 Cr

PAT — latest qtr ?

₹3,453 Cr

YoY qtr sales growth ?

16.3%

YoY qtr profit growth ?

59.9%

Sales growth (3y) ?

16%

Sales growth (5y) ?

23%

Profit growth (3y) ?

19%

Profit growth (5y) ?

32%

Financial Health

Debt ?

N/A

Debt to Equity ?

N/A

Interest Coverage ?

N/A

Current Ratio ?

N/A

Ownership

Promoter holding ?

20.30%

Change in promoter holding ?

-5.09%

Pledged percentage ?

N/A

Market

Return 3 months ?

-9.2%

Return 6 months ?

-9.4%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best Highlight

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	YoY %	QoQ %
Interest Earned	7,344	7,600	7,911	8,478	8,909	9,400	9,363	9,814	10,341	10,790	11,174	11,551	11,839	12,513	13,400	+19.9%	+7.1%
Other Income	466	380	381	415	397	518	247	282	365	671	369	370	357	18	18	-95.0%	+1.7%
Total Income	7,809	7,980	8,293	8,893	9,306	9,918	9,610	10,097	10,705	11,460	11,542	11,921	12,197	12,531	13,419	+16.3%	+7.1%
Interest Expended	3,235	3,361	3,633	3,798	3,893	4,197	4,129	4,350	4,751	5,224	5,401	5,525	5,259	5,336	5,204	-3.6%	-2.5%
Operating Profit	3,334	3,036	3,189	3,544	3,772	4,008	3,854	3,987	4,085	4,335	4,192	4,446	4,674	—	4,626	+10.4%	—
Provisions	919	1,185	888	1,140	1,259	1,265	1,188	1,235	1,326	1,563	1,286	1,333	1,310	—	—	—	—
Profit Before Tax	2,415	1,851	2,301	2,404	2,513	2,743	2,731	2,852	4,334	2,772	2,906	3,113	3,364	3,917	4,626	+59.2%	+18.1%
Net Profit	1,802	1,288	1,712	1,792	1,874	2,021	2,031	2,153	3,249	2,144	2,159	2,314	2,530	3,021	3,453	+59.9%	+14.3%
EPS	48.27	34.01	45.53	47.61	49.70	53.47	53.82	11.39	17.27	11.40	11.48	12.30	13.45	16.06	14.86	+29.4%	-7.5%
Gross NPA %	6.29%	6.21%	6.03%	5.79%	5.66%	5.45%	5.39%	5.32%	5.38%	4.55%	4.53%	4.57%	4.54%	4.58%	—	—	—
Net NPA %	3.20%	3.19%	2.96%	2.80%	2.72%	2.70%	2.71%	2.64%	2.68%	2.64%	2.57%	2.49%	2.38%	2.33%	—	—	—
Capital Adequacy Ratio	22.99%	—	22.40%	22.15%	21.01%	—	20.29%	—	21.00%	—	20.79%	—	20.27%	—	—	—	—

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric	FY25	FY26	TTM	YoY %
Interest Earned	₹40,308 Cr	₹47,077 Cr	₹49,304 Cr	+16.8%
Other Income	₹1,564 Cr	₹1,114 Cr	₹764 Cr	-28.8%
Total Income	₹41,872 Cr	₹48,191 Cr	₹50,068 Cr	+15.1%
Interest Expended	₹18,455 Cr	₹21,521 Cr	₹21,325 Cr	+16.6%
Net Interest Income	₹21,853 Cr	₹25,556 Cr	₹27,979 Cr	+16.9%
Operating Profit	₹16,261 Cr	₹13,312 Cr	₹13,746 Cr	-18.1%
Provisions	₹5,312 Cr	₹3,929 Cr	₹2,644 Cr	-26.0%
Profit Before Tax	₹12,689 Cr	₹13,300 Cr	₹15,019 Cr	+4.8%
Tax	₹3,122 Cr	₹2,394 Cr	₹2,816 Cr	-23.3%
Net Profit	₹9,576 Cr	₹10,024 Cr	₹11,318 Cr	+4.7%
EPS	₹93.88	₹53.29	₹56.67	-43.2%

🏛️ Balance Sheet (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Equity Capital	374	376	376	376	+0.0%
Reserves	43,138	48,571	56,094	65,542	+16.8%
Borrowing	164,202	195,496	234,197	250,692	+7.0%
Other Liabilities	2,858	3,823	3,055	4,764	+55.9%
Total Liabilities	210,573	248,266	293,722	321,375	+9.4%
Fixed Assets	3,714	3,718	2,914	2,635	-9.6%
CWIP	66	0	0	0	—
Investments	7,430	9,472	15,788	14,993	-5.0%
Other Assets	199,363	235,077	275,020	303,746	+10.4%
Total Assets	210,573	248,266	293,722	321,375	+9.4%

💧 Cash Flow (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Cash from Operating Activity	-17,625	-31,118	-43,652	-13,281	+69.6%
Cash from Investing Activity	5,076	-427	3,630	-243	-106.7%
Cash from Financing Activity	11,820	27,626	44,521	8,587	-80.7%
Net Cash Flow	-730	-3,919	4,499	-4,937	-209.7%
Free Cash Flow	-17,818	-31,361	-43,903	-13,475	+69.3%
CFO/OP	-66%	-110%	-126%	-26%	+79.4%

➗ Ratios (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
ROE %	17%	15%	16%	16%	+0.0%

👥 Shareholding (latest 5 periods)

Metric	Sep 2025	Dec 2025	Mar 2026	Apr 2026	Jun 2026	% Chg
Promoters	25.39%	25.38%	25.38%	20.30%	20.30%	+0.0%
FIIs	49.61%	47.21%	45.15%	56.14%	54.77%	-2.4%
DIIs	18.65%	21.29%	23.29%	18.62%	19.90%	+6.9%
Public	6.34%	6.11%	6.18%	4.94%	5.04%	+2.0%
No. of Shareholders	2,98,608	2,98,475	3,34,705	3,34,706	3,52,550	+5.3%

⚖️ Peer comparison

Industry: Credit Services · 23 companies · full page →

#	Company	CMP	MCap (Cr)	P/E	Total Inc TTM	NP TTM	OPM%	NPM%	Inc YoY%	NP YoY%	Qtr Rev Δ%	Qtr NP Δ%
1	BAJFINANCE Bajaj Finance	₹1,034.50	643,553	31.7	86,183	20,648	21.1%	24.0%	18.4%	15.2%	18.7%	27.6%
2	SHRIRAMFIN Shriram Finance	₹1,028.60	242,034	21.1	50,068	11,318	27.5%	22.6%	15.1%	4.7%	16.3%	59.9%
3	CHOLAFIN Cholamandalam Investment	₹1,845.90	157,642	27.2	33,144	5,751	14.1%	17.4%	20.6%	22.7%	21.8%	45.6%
4	PFC Power Finance	₹353.45	116,642	4.5	115,462	33,642	28.0%	29.1%	8.4%	10.2%	-0.2%	0.2%
5	MUTHOOTFIN Muthoot Finance	₹2,792.10	112,094	10.6	31,349	10,606	33.7%	33.8%	54.4%	98.1%	65.1%	135.2%
6	IRFC Indian Railway	₹81.09	105,973	14.4	30,364	7,372	18.9%	24.3%	0.7%	7.8%	24.4%	10.2%
7	RECLTD REC	₹312.70	82,341	5.1	59,274	16,035	27.4%	27.1%	5.7%	2.7%	-2.4%	-6.1%
8	LTF L&T Finance	₹309.10	77,462	15.9	20,052	4,871	12.7%	24.3%	12.4%	67.1%	26.5%	32.4%
9	SBICARD SBI Cards	₹655.20	62,352	28.8	20,712	2,166	28.8%	10.5%	11.1%	13.1%	7.4%	14.0%
10	HDBFS HDB FINANCIAL	₹670.85	55,577	20.2	18,902	2,761	31.0%	14.6%	—	—	10.6%	38.3%
11	PIRAMALFIN PIRAMAL FINANCE	₹2,256.00	53,275	—	—	—	—	—	—	—	—	—
12	SUNDARMFIN Sundaram Finance	₹4,700.00	51,802	23.4	10,164	2,220	23.7%	21.8%	15.2%	9.5%	12.8%	33.9%
13	M&MFIN Mahindra & Mahindra	₹356.50	49,540	15.2	21,808	3,259	14.7%	14.9%	13.9%	26.5%	14.1%	75.3%
14	POONAWALLA Poonawalla Fincorp	₹444.00	38,888	34.7	8,900	1,088	15.8%	12.2%	60.9%	652.7%	70.1%	405.2%
15	HUDCO Housing and Urban	₹172.35	34,503	8.1	14,119	4,255	19.2%	30.1%	28.8%	48.9%	26.9%	35.1%
16	IREDA Indian Renewable	₹111.71	31,382	16.0	8,628	1,964	9.8%	22.8%	23.4%	10.3%	14.8%	36.8%
17	MANAPPURAM Manappuram Finance	₹329.00	30,904	20.9	10,300	1,445	16.2%	14.0%	-5.5%	-17.5%	34.2%	341.4%
18	CHOLAHLDNG Cholamandalam Financial	₹1,539.00	28,899	10.8	41,410	6,015	18.6%	14.5%	18.3%	15.7%	19.5%	42.0%
19	CGCL Capri Global	₹265.50	25,545	22.7	5,318	1,128	22.2%	21.2%	45.9%	98.4%	57.3%	102.0%
20	IIFL IIFL Finance	₹600.00	25,517	—	—	—	—	—	30.8%	214.4%	28.4%	92.6%
21	CREDITACC CreditAccess Grameen	₹1,403.30	22,489	18.6	6,383	1,211	31.9%	19.0%	5.3%	46.5%	21.9%	719.7%
22	IFCI IFCI	₹82.67	22,274	96.0	2,043	432	32.0%	21.2%	3.2%	24.7%	-19.6%	-3.5%
23	KISSHT OnEMI Technology	₹361.35	6,406	—	—	—	—	—	—	—	44.6%	58.5%

❓ Frequently asked questions

What was Shriram Finance Limited's total income in Q1 FY27?

What was Shriram Finance Limited's net profit in Q1 FY27?