Shriram Finance LimitedSHRIRAMFINBank / NBFC

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

₹939.95

MCap ₹221,174 Cr · P/E 19.6

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₹13,394 Cr

Interest Earned · Jun 2026

+19.9% YoY

₹4,622 Cr

Operating Profit · Jun 2026

+10.2% YoY

₹3,445 Cr

Net Profit · Jun 2026

+59.8% YoY

₹14.83

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 ₹13,412 crore for the quarter ended June 2026 (Q1 FY27), up 16.2% 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 ₹13,394 crore and other income ₹18 crore. Net interest income (interest earned minus interest expended of ₹5,204 crore) worked out to ₹8,189 crore.

Net profit rose 59.8% year-on-year to ₹3,445 crore, from ₹2,156 crore. Earnings per share (EPS) came in at ₹14.83.

Full year and trailing twelve months

For the full year FY26, Shriram Finance Limited posted total income of ₹48,178 crore, a growth of 15.1% over FY25, with a net profit of ₹9,999 crore (up 2.4% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹50,048 crore with a net profit of ₹11,287 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 19.6.

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 ?

19.59above ind

Industry P/E ?

15.80

P/B ?

3.37

P/S ?

4.42

P/FCF ?

-16.79

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

1.03

Earnings Yield ?

5.1%

Dividend Yield ?

1.15%

Profitability & Returns

Total Income (TTM) ?

₹50,048 Cr

OPM ?

N/A

Profit after tax (TTM) ?

₹11,287 Cr

EPS (TTM) ?

₹47.97

ROCE ?

N/A

ROE ?

17.2%

ROA ?

3.5%

Gross NPA % ?

N/A

Net NPA % ?

N/A

Growth

Total Income — latest qtr ?

₹13,412 Cr

PAT — latest qtr ?

₹3,445 Cr

YoY qtr sales growth ?

16.2%

YoY qtr profit growth ?

59.8%

Sales growth (3y) ?

17%

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	7,174	7,423	7,688	8,217	8,618	9,077	9,363	9,814	10,341	11,454	11,173	11,551	11,833	12,509	13,394	+19.9%	+7.1%
Other Income	438	346	317	348	309	421	247	282	365	6	369	366	358	19	18	-95.0%	-3.0%
Total Income	7,612	7,769	8,005	8,564	8,927	9,498	9,610	10,097	10,705	11,460	11,542	11,917	12,192	12,528	13,412	+16.2%	+7.1%
Interest Expended	3,112	3,242	3,488	3,622	3,707	3,990	4,129	4,350	4,751	5,224	5,401	5,525	5,259	5,336	5,204	-3.6%	-2.5%
Operating Profit	3,302	3,081	3,126	3,481	3,689	3,906	3,854	3,987	4,085	—	4,192	4,443	4,671	—	4,622	+10.2%	—
Provisions	917	1,185	879	1,129	1,250	1,261	1,188	1,235	1,326	—	1,286	1,333	1,310	—	—	—	—
Profit Before Tax	2,384	1,896	2,248	2,352	2,440	2,644	2,667	2,752	4,416	2,772	2,907	3,110	3,360	3,915	4,622	+59.0%	+18.1%
Net Profit	1,777	1,308	1,675	1,751	1,818	1,946	1,981	2,071	3,570	2,139	2,156	2,307	2,522	3,014	3,445	+59.8%	+14.3%
EPS	47.46	34.94	44.73	46.67	48.42	51.79	52.70	55.09	18.99	11.38	11.46	12.27	13.40	16.02	14.83	+29.4%	-7.4%
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	₹40,972 Cr	₹47,066 Cr	₹49,286 Cr	+14.9%
Other Income	₹900 Cr	₹1,112 Cr	₹762 Cr	+23.6%
Total Income	₹41,872 Cr	₹48,178 Cr	₹50,048 Cr	+15.1%
Interest Expended	₹18,455 Cr	₹21,521 Cr	₹21,324 Cr	+16.6%
Net Interest Income	₹22,518 Cr	₹25,545 Cr	₹27,962 Cr	+13.4%
Operating Profit	₹11,926 Cr	₹13,306 Cr	₹13,736 Cr	+11.6%
Provisions	₹3,748 Cr	₹3,929 Cr	₹2,644 Cr	+4.8%
Profit Before Tax	₹12,606 Cr	₹13,292 Cr	₹15,007 Cr	+5.4%
Tax	₹2,212 Cr	₹2,392 Cr	₹2,819 Cr	+8.1%
Net Profit	₹9,761 Cr	₹9,999 Cr	₹11,287 Cr	+2.4%
EPS	₹138.16	₹53.15	₹56.52	-61.5%

🏛️ Balance Sheet (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Equity Capital	374	376	376	376	+0.0%
Reserves	42,932	48,193	55,904	65,329	+16.9%
Borrowing	157,906	185,841	234,197	250,690	+7.0%
Other Liabilities	2,451	2,867	3,055	4,760	+55.8%
Total Liabilities	203,664	237,276	293,533	321,155	+9.4%
Fixed Assets	3,327	3,287	2,914	2,635	-9.6%
CWIP	66	0	0	0	—
Investments	8,565	10,657	15,599	14,783	-5.2%
Other Assets	191,706	223,332	275,020	303,737	+10.4%
Total Assets	203,664	237,276	293,533	321,155	+9.4%

💧 Cash Flow (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Cash from Operating Activity	-15,841	-27,670	-42,275	-12,981	+69.3%
Cash from Investing Activity	5,037	-238	3,678	-544	-114.8%
Cash from Financing Activity	9,647	24,416	43,265	8,585	-80.2%
Net Cash Flow	-1,157	-3,492	4,668	-4,940	-205.8%
Free Cash Flow	-16,021	-27,913	-42,526	-13,175	+69.0%
CFO/OP	-59%	-97%	-121%	-25%	+79.3%

➗ Ratios (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
ROE %	17%	16%	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?