Unclassified · NSE: SHRIRAMFIN
Shriram Finance share analysis
Fair value, business quality, the case for and against, and the risks — computed by VestCall from reported data, updated 14 October 2026.
Shriram Finance in one paragraph
Shriram Finance (NSE: SHRIRAMFIN) was trading at ₹957.3 on 14 October 2026. VestCall scores its business health 63/100 (adequate). On valuation, the price sits in the “Fairly Valued” zone (₹923.28 – ₹963.89) — inside the modelled fair-value range. This is a reading of the evidence, not a buy or sell recommendation.
- Share price₹957.3
- Business health63/100
- Growth57/100
- Financial strength58/100
- Valuation26/100 · Fair
- Valuation zoneFairly Valued
- RiskVery High
Is Shriram Finance overvalued or undervalued?
At ₹957.3, Shriram Finance sits in VestCall’s “Fairly Valued” zone (₹923.28 – ₹963.89): inside the modelled fair-value range. Its valuation scores 26/100 (fair) against Unclassified peers. Zones describe where the price sits against modelled value; they are not an instruction to buy or sell.
| Valuation zone | Price band | What it means |
|---|---|---|
| Deeply Discounted | ₹822.01 – ₹901.3 | Furthest below the modelled fair-value range |
| Attractive Valuation | ₹901.3 – ₹923.28 | Below the modelled fair-value range |
| Fairly Valued (current) | ₹923.28 – ₹963.89 | Inside the modelled fair-value range |
| Valuation Premium | ₹963.89 and above | Above the modelled fair-value range |
The case for and against Shriram Finance
What supports the case
- Business Quality · 81/100.
- Capital Allocation · 76/100.
- Shareholding Quality · 67/100.
What needs proof
- Management Stability · 47/100.
- Growth · 50/100.
- Financial Strength · 58/100.
Shriram Finance key ratios
| Ratio | Shriram Finance | Unclassified median |
|---|---|---|
| P/E | 27.63x | — |
| P/B | 0.76x | — |
| P/S | 1.04x | — |
| Return on equity (ROE) | 15.2% | — |
| Return on capital employed (ROCE) | 20.2% | — |
| Operating margin | 27.6% | — |
| Net margin | 20.8% | — |
| Current ratio | 3.58x | — |
Shriram Finance growth
Growth scores 57/100, with a stable trend, measured Mar 2023 to Mar 2026.
| Measure | Reading |
|---|---|
| Revenue CAGR | 16.4% |
| Net profit CAGR | 18.5% |
| EPS CAGR | -30.8% |
| Revenue growth, latest year | 15.1% |
| Profit growth, latest year | 4.6% |
Shriram Finance bull, base and bear case
Modelled annual return under three sets of stated assumptions over 5 years. These are model outputs, not a forecast or a promise of return.
| Scenario | Modelled CAGR | Weight | Assumption |
|---|---|---|---|
| Bear | +1.2% | 19% | Growth decelerates to 5.2% and the multiple de-rates toward the cohort's trough. |
| Base | +14.6% | 55% | Earnings compound near the measured 14.6% and the multiple drifts toward its quality-adjusted warranted level. |
| Bull | +23.9% | 26% | Growth holds at 20.4% and the market pays the full premium the measured quality supports. |
Risks to watch in Shriram Finance
| Review trigger | Current | Threshold | Status |
|---|---|---|---|
| Return on equity falls below the quality floor | 15.22% | below 15% | high · armed |
| Revenue growth falls below the thesis floor | 16.45% | below 8% | high · armed |
| Promoter holding drops materially | 20.3% | below 17.3%, 3 points under the Apr 2026 filing | high · armed |
| Price runs more than two sigma above its own trend | 957.3 | at or above 1657.33 | medium · armed |
| Drawdown from the 52-week high exceeds tolerance | 16.1% | at or beyond 25% | low · armed |
| Leverage doubles from the level underwritten today | No leverage line in the balance sheet | unavailable | high · unmeasurable |
| Promoter pledge rises above tolerance | No pledge disclosed (the NSE filing for SHRIRAMFIN could not be read either (nse_session_unavailable)) | above 10% | high · unmeasurable |
| Valuation reaches the top of its own cohort | No cohort multiple to rank against | at or above the 95th percentile | medium · unmeasurable |
An armed trigger is watched and has not fired; a breached one has.
How Shriram Finance shares have traded
| Measure | Reading |
|---|---|
| 52-week range | ₹665.05 – ₹1,141 |
| Distance from 52-week high | −16.1% |
| Return, 3 months | −5.6% |
| Return, 12 months | +42.6% |
| Trend | Sideways |
| Annualised volatility | 36.1% |
| Deepest drawdown, 2 years | −29.5% |
Questions about Shriram Finance shares
Is Shriram Finance overvalued or undervalued?
At ₹957.3, Shriram Finance sits in VestCall’s “Fairly Valued” zone (₹923.28 – ₹963.89): inside the modelled fair-value range. Its valuation scores 26/100 (fair) against Unclassified peers. Zones describe where the price sits against modelled value; they are not an instruction to buy or sell.
Is Shriram Finance fundamentally strong?
VestCall scores Shriram Finance’s business health 63/100 (adequate). The strongest measured pillars are business quality and capital allocation. The ones that need proof are management stability and growth. Each pillar is computed from reported financials, and a pillar whose inputs were not reported is excluded rather than scored as zero.
What is Shriram Finance’s P/E ratio?
Shriram Finance trades at a P/E of 27.63x, on VestCall’s latest read. A multiple only means something against the business it buys: the quality-adjusted fair value on this page weighs it against Shriram Finance’s returns and growth.
What are the risks of investing in Shriram Finance?
The review triggers VestCall watches for Shriram Finance are: return on equity falls below the quality floor (roe below 15%); revenue growth falls below the thesis floor (revenue cagr below 8%); promoter holding drops materially (promoter holding below 17.3%, 3 points under the Apr 2026 filing). On the fundamentals, management stability is the weakest measured pillar at 47/100. A trigger is a named condition that would change the reading, published so the case against the stock is as visible as the case for it.
Is this a recommendation to buy or sell Shriram Finance?
No. VestCall states where Shriram Finance’s price sits against modelled value, what supports the case and what would break it, with every figure sourced. It does not issue buy, sell or hold calls or price targets. Vestmind is not a SEBI-registered investment adviser or research analyst, and nothing on this page is personalised investment advice.
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