Balance Sheet Shriram Finance Limited

Equities

511218

INE721A01047

Consumer Lending

Delayed Bombay S.E. Other stock markets 11:31:55 12/05/2026 am IST			5-day change	1st Jan Change
945.00 ^INR	-3.11%		-1.91%	-5.03%

30/04	India new issue-Shriram Finance to reissue 2029 bonds, bankers say	RE
24/04	Shriram Finance Limited, Q4 2026 Earnings Call, Apr 24, 2026

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Published financial data: SHRIRAM FINANCE LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	17TCr	19TCr	29TCr	35TCr	40TCr
Interest Expense, Total	9.05TCr	9.73TCr	13TCr	16TCr	18TCr
Net Interest Income	8.07TCr	8.91TCr	16TCr	19TCr	22TCr
Commission and Fees	115.86Cr	100.08Cr	266.57Cr	542.24Cr	681.93Cr
Gain (Loss) on Sale of Investments, Total (Rev)	23Cr	236.83Cr	397.35Cr	144.76Cr	277Cr
Other Revenues, Total	74Cr	221.84Cr	263.08Cr	528.47Cr	81Cr
Revenues Before Provison For Loan Losses	8.29TCr	9.47TCr	17TCr	20TCr	23TCr
Provision For Loan Losses	-	3.87TCr	3.83TCr	4.28TCr	5TCr
Total Revenues	8.29TCr	5.61TCr	13TCr	16TCr	18TCr
Salaries And Other Employee Benefits	906.25Cr	997.09Cr	2.64TCr	3.47TCr	3.65TCr
Cost of Services Provided, Total	210.38Cr	257.86Cr	657.76Cr	909.65Cr	1.21TCr
Depreciation & Amortization - (IS) - (Collected)	137.36Cr	135.37Cr	600.69Cr	587.6Cr	645.32Cr
Provision for Bad Debts	-	-	-	-	-
Other Operating Expenses	3.75TCr	669.48Cr	1.24TCr	1.15TCr	1.4TCr
Total Operating Expenses	5.01TCr	2.06TCr	5.13TCr	6.12TCr	6.91TCr
Operating Income	3.28TCr	3.55TCr	8.24TCr	9.99TCr	11TCr
Income (Loss) on Equity Invest.	12Cr	13Cr	8.56Cr	7.78Cr	12Cr
Other Non Operating Income (Expenses)	-	4Cr	16Cr	14Cr	-3.95Cr
EBT, Excl. Unusual Items	3.29TCr	3.56TCr	8.26TCr	10TCr	11TCr
Gain (Loss) on Sale of Investments	-	2Cr	-4.64Cr	-36Cr	-26Cr
Gain (Loss) on Sale of Assets	-65L	-79L	-1Cr	1.25Cr	-7.91Cr
Asset Writedown	-	-1.84Cr	-37Cr	-13Cr	-1.7Cr
Other Unusual Items	-	-	-	-	1.55TCr
EBT, Incl. Unusual Items	3.29TCr	3.56TCr	8.22TCr	9.97TCr	13TCr
Income Tax Expense	790.75Cr	841.32Cr	2.2TCr	2.57TCr	3.08TCr
Earnings From Continuing Operations	2.5TCr	2.72TCr	6.02TCr	7.4TCr	9.44TCr
Earnings Of Discontinued Operations	-	-	-	-	140.7Cr
Net Income to Company	2.5TCr	2.72TCr	6.02TCr	7.4TCr	9.58TCr
Minority Interest	-	-	-8.99Cr	-33Cr	-22Cr
Net Income - (IS)	2.5TCr	2.72TCr	6.01TCr	7.37TCr	9.55TCr
Net Income to Common Incl Extra Items	2.5TCr	2.72TCr	6.01TCr	7.37TCr	9.55TCr
Net Income to Common Excl. Extra Items	2.5TCr	2.72TCr	6.01TCr	7.37TCr	9.41TCr
Per Share Items
Net EPS - Basic	20.29	20.44	32.11	39.27	50.82
Basic EPS - Continuing Operations	20.29	20.44	32.11	39.27	50.07
Basic Weighted Average Shares Outstanding	123.15Cr	133.1Cr	187.2Cr	187.6Cr	187.99Cr
Net EPS - Diluted	20.29	20.44	31.97	39.14	50.75
Diluted EPS - Continuing Operations	20.29	20.44	31.97	39.14	50
Diluted Weighted Average Shares Outstanding	123.15Cr	133.1Cr	188.05Cr	188.2Cr	188.25Cr
Normalized Basic EPS	16.7	16.73	27.55	33.19	36.44
Normalized Diluted EPS	16.7	16.73	27.42	33.09	36.39
Dividend Per Share	3.6	4	7	9	9.9
Payout Ratio	6.11	31.3	9.36	25.45	19.46
Supplemental Items
Total Revenues (As Reported)	17TCr	19TCr	31TCr	36TCr	42TCr
Effective Tax Rate - (Ratio)	24.04	23.62	26.78	25.77	24.61
Current Domestic Taxes	-	-	-	-	3.59TCr
Total Current Taxes	1.34TCr	1.03TCr	2.92TCr	3.45TCr	3.59TCr
Deferred Domestic Taxes	-	-	-	-	-511.28Cr
Total Deferred Taxes	-545.36Cr	-188.93Cr	-720.73Cr	-881.98Cr	-511.28Cr
Normalized Net Income	2.06TCr	2.23TCr	5.16TCr	6.23TCr	6.85TCr
Non-Cash Pension Expense	22L	13L	-47L	43L	3.84Cr
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	-	168.03Cr	10Cr	26L
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	168.03Cr	10Cr	26L

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	11TCr	11TCr	9.93TCr	6.18TCr	11TCr
Long-Term Investments - (FS Template)	3.35TCr	6.97TCr	7.43TCr	9.47TCr	16TCr
Trading Asset Securities, Total	169.25Cr	201.4Cr	669.37Cr	326.48Cr	250.09Cr
Loans and Lease Receivables - (FS Template)	1,08300Cr	1,16700Cr	1,78700Cr	2,18700Cr	2,45400Cr
Other Receivables	159.78Cr	396.84Cr	774.22Cr	630.08Cr	4.13TCr
Gross Property Plant And Equipment	552.69Cr	553.39Cr	1.76TCr	2.16TCr	2.34TCr
Accumulated Depreciation	-119.74Cr	-140.31Cr	-1.01TCr	-1.22TCr	-1.31TCr
Net Property Plant And Equipment	432.95Cr	413.08Cr	751.49Cr	941.07Cr	1.03TCr
Goodwill	-	-	1.74TCr	1.74TCr	1.19TCr
Other Intangibles, Total	2.39Cr	3.04Cr	1.28TCr	1.03TCr	698.95Cr
Other Current Assets, Total	5.71TCr	6.08TCr	7.26TCr	6.05TCr	11TCr
Deferred Tax Assets Long-Term (Collected)	639.14Cr	869.38Cr	1.98TCr	3.07TCr	3.69TCr
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	6.68Cr	4.42Cr	91Cr	123.86Cr	35Cr
Total Assets	1,29800Cr	1,42300Cr	2,10600Cr	2,48300Cr	2,93700Cr
Liabilities
Interest Bearing Deposits	16TCr	22TCr	36TCr	44TCr	56TCr
Deposits	16TCr	22TCr	36TCr	44TCr	56TCr
Accounts Payable, Total	255.51Cr	166.03Cr	313.19Cr	245.91Cr	298.85Cr
Accrued Expenses, Total	352.36Cr	363.85Cr	636.79Cr	866.13Cr	963.37Cr
Short-Term Borrowings	724.65Cr	484.98Cr	516.09Cr	3.05TCr	119.39Cr
Current Portion of Long-Term Debt	32TCr	32TCr	52TCr	50TCr	50TCr
Current Portion of Leases	74Cr	75Cr	87Cr	-	137.93Cr
Long-Term Debt	57TCr	60TCr	76TCr	98TCr	1,27800Cr
Long-Term Leases	275.2Cr	274.5Cr	514.68Cr	699.35Cr	580.72Cr
Current Income Taxes Payable	102.02Cr	37Cr	160.89Cr	237.79Cr	39Cr
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	478.04Cr	449.11Cr	539.1Cr	529.43Cr	14Cr
Unearned Revenue Non Current	-	-	-	-	16Cr
Pension & Other Post Retirement Benefits	2.07Cr	2.24Cr	2.88Cr	38Cr	28Cr
Deferred Tax Liability Non-Current	-	-	27Cr	-	-
Other Non Current Liabilities	317.32Cr	279.59Cr	258.99Cr	334.01Cr	859.27Cr
Total Liabilities	1,08100Cr	1,16200Cr	1,66800Cr	1,98600Cr	2,37300Cr
Common Stock, Total	253.06Cr	270.52Cr	374.43Cr	375.79Cr	376.08Cr
Additional Paid In Capital	3.2TCr	5.66TCr	17TCr	18TCr	18TCr
Retained Earnings	17TCr	20TCr	25TCr	31TCr	39TCr
Comprehensive Income and Other	900.79Cr	163.84Cr	526.78Cr	26Cr	-213.09Cr
Total Common Equity	22TCr	26TCr	44TCr	49TCr	56TCr
Minority Interest	-	-	286.68Cr	729.52Cr	-
Total Equity	22TCr	26TCr	44TCr	50TCr	56TCr
Total Liabilities And Equity	1,29800Cr	1,42300Cr	2,10600Cr	2,48300Cr	2,93700Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	126.53Cr	135.26Cr	187.21Cr	187.9Cr	188.04Cr
ECS Total Common Shares Outstanding	126.53Cr	135.26Cr	187.21Cr	187.9Cr	188.04Cr
Book Value / Share	171.64	192.92	232.42	260.5	300.31
Tangible Book Value	22TCr	26TCr	40TCr	46TCr	55TCr
Tangible Book Value Per Share	171.62	192.9	216.26	245.73	290.27
Total Debt	90TCr	93TCr	1,28700Cr	1,51900Cr	1,78900Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	2.08Cr	2.24Cr	2.89Cr	38Cr	28Cr
Net Debt	79TCr	82TCr	1,18100Cr	1,45400Cr	1,68000Cr
Equity Method Investments, Total	162.29Cr	175.44Cr	183.74Cr	191.46Cr	202.62Cr
Full Time Employees	24.45T	25.46T	64.05T	74.64T	79.87T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	2.5TCr	2.72TCr	6.01TCr	7.37TCr	9.55TCr
Depreciation, Depletion & Amortization	136.02Cr	133.8Cr	229.15Cr	257.79Cr	279.86Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	365.48Cr	302.58Cr	302.58Cr
Total Depreciation, Depletion & Amortization	136.02Cr	133.8Cr	594.63Cr	560.37Cr	582.44Cr
Amortization of Deferred Charges, Total	1.34Cr	1.57Cr	6.06Cr	27Cr	63Cr
(Gain) Loss On Sale of Asset - (CF)	65L	79L	1Cr	-1.25Cr	7.91Cr
(Gain) Loss on Sale of Investments - (CF)	-27Cr	-238.83Cr	-390.8Cr	-662.16Cr	-383.71Cr
Total Asset Writedown	-22L	1.84Cr	32Cr	9.78Cr	1.7Cr
Provision for Credit Losses	3.13TCr	3.87TCr	4.13TCr	4.51TCr	5.28TCr
Stock-Based Compensation (CF)	-	-	168.03Cr	10Cr	26L
Change in Accounts Payable	111.67Cr	-	-	-	-
Change in Other Net Operating Assets (Collected)	-13TCr	-16TCr	-27TCr	-43TCr	-58TCr
Other Operating Activities	2.67TCr	1.03TCr	-1.12TCr	-352.05Cr	520.56Cr
Net Cash From Discontinued Operations	-	-	-	-	-1.41TCr
Cash from Operations	-4.24TCr	-8.86TCr	-18TCr	-31TCr	-44TCr
Capital Expenditure	-26Cr	-36Cr	-196.59Cr	-185.41Cr	-223.59Cr
Sale of Property, Plant, and Equipment	93L	1.42Cr	3.55Cr	5.68Cr	3.7Cr
Divestitures	-	-	-	-	3.93TCr
Purchase / Sale of Intangible Assets	-	-	-	-80Cr	-31Cr
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	1.6Cr	-
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Other Investing Activities, Total	-	-	-	-	-17Cr
Cash from Investing	-25Cr	-34Cr	-193.04Cr	-258.21Cr	3.66TCr
Long-Term Debt Issued, Total	49TCr	58TCr	75TCr	1,06100Cr	1,11000Cr
Total Debt Issued	49TCr	58TCr	75TCr	1,06100Cr	1,11000Cr
Long-Term Debt Repaid, Total	-43TCr	-57TCr	-69TCr	-85TCr	-77TCr
Total Debt Repaid	-43TCr	-57TCr	-69TCr	-85TCr	-77TCr
Issuance of Common Stock	1.49TCr	2.5TCr	13Cr	30Cr	5.5Cr
Common Dividends Paid	-152.59Cr	-851.81Cr	-562.8Cr	-1.88TCr	-1.86TCr
Common & Preferred Stock Dividends Paid	-152.59Cr	-851.81Cr	-562.8Cr	-1.88TCr	-1.86TCr
Other Financing Activities, Total	4.78TCr	5.39TCr	6.31TCr	8.09TCr	12TCr
Cash from Financing	12TCr	8.5TCr	12TCr	28TCr	45TCr
Miscellaneous Cash Flow Adjustments	-	-	5.27TCr	-	-
Net Change in Cash	7.96TCr	-388.49Cr	-729.6Cr	-3.75TCr	4.5TCr
Supplemental Items
Cash Interest Paid	7.75TCr	8.59TCr	12TCr	14TCr	-
Cash Income Tax Paid (Refund)	1.26TCr	1.15TCr	3.27TCr	3.44TCr	3.59TCr
Net Debt Issued / Repaid	6.11TCr	1.47TCr	6.06TCr	21TCr	34TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.05	2	3.41	3.22	3.48
Return On Equity %	12.54	11.38	17.23	15.83	17.78
Return on Common Equity	12.54	11.38	17.27	15.93	17.86
Margin Analysis
Gross Profit Margin %	98.34	97.28	96.82	96.51	96.03
SG&A Margin	11.81	19.67	21.46	23.7	23.22
Income From Continuing Operations Margin %	30.16	48.54	45.01	45.92	52.72
Net Income Margin %	30.16	48.54	44.95	45.72	53.38
Net Avail. For Common Margin %	30.16	48.54	44.95	45.72	52.59
Normalized Net Income Margin	24.82	39.73	38.56	38.65	38.27
Asset Turnover
Asset Turnover	0.07	0.04	0.08	0.07	0.07
Short Term Liquidity
Current Ratio	2.49	2.43	2.18	2.33	2.51
Quick Ratio	2.38	2.32	2.1	2.27	2.41
Operating Cash Flow to Current Liabilities	-0.08	-0.16	-0.19	-0.31	-0.4
Long Term Solvency
Total Debt/Equity	416.12	356.12	293.89	305.77	316.89
Total Debt / Total Capital	80.62	78.08	74.61	75.36	76.01
LT Debt/Equity	264.36	232.78	173.79	199.05	227.35
Long-Term Debt / Total Capital	51.22	51.03	44.12	49.06	54.53
Total Liabilities / Total Assets	83.27	81.66	79.2	79.99	80.77
Tier 1 Capital Ratio %	19.94	20.7	21.2	19.55	20.03
Total Capital Ratio %	22.5	22.97	22.61	20.3	20.66
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	0.84	8.67	119.31	20.48	15.9
Gross Profit, 1 Yr. Growth %	0.55	8.62	117.79	20.1	15.34
Earnings From Cont. Operations, 1 Yr. Growth %	-0.54	8.89	121.24	22.9	31.08
Net Income, 1 Yr. Growth %	-0.54	8.89	120.9	22.55	29.69
Normalized Net Income, 1 Yr. Growth %	-4.57	8.44	131.56	20.75	13.27
Diluted EPS Before Extra, 1 Yr. Growth %	-8.38	0.77	56.36	22.44	31.33
Common Equity, 1 Yr. Growth %	19.71	20.15	66.75	12.49	15.37
Total Assets, 1 Yr. Growth %	13.62	9.51	48.03	17.9	18.31
Tangible Book Value, 1 Yr. Growth %	19.71	20.15	55.18	14.04	18.21
Cash From Operations, 1 Yr. Growth %	72.06	109	98.95	76.46	39.62
Capital Expenditures, 1 Yr. Growth %	-55.33	38.46	449.9	50.81	34.74
Dividend Per Share, 1 Yr. Growth %	260	11.11	75	28.57	10
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	22.04	-17.41	61.02	62.55	15.69
Gross Profit, 2 Yr. CAGR %	22.21	-17.97	60.6	61.72	15.22
Earnings From Cont. Operations, 2 Yr. CAGR %	-1.5	4.07	55.21	64.9	25.19
Net Income, 2 Yr. CAGR %	-1.5	4.07	55.1	64.53	26.07
Normalized Net Income, 2 Yr. CAGR %	-6.83	1.66	58.46	67.22	15.26
Diluted EPS Before Extra, 2 Yr. CAGR %	-5.47	-3.92	25.52	38.36	25.07
Common Equity, 2 Yr. CAGR %	16.64	19.93	41.55	36.96	13.92
Total Assets, 2 Yr. CAGR %	10.97	11.58	27.32	32.1	18.1
Tangible Book Value, 2 Yr. CAGR %	16.64	19.93	36.55	33.03	16.11
Cash From Operations, 2 Yr. CAGR %	-12.49	89.63	103.91	87.37	57.43
Capital Expenditures, 2 Yr. CAGR %	-42.45	-21.35	175.93	127.73	34.86
Dividend Per Share, 2 Yr. CAGR %	22.47	100	39.44	50	18.92
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	15.68	0.25	17.62	46.18	43.18
Gross Profit, 3 Yr. CAGR %	15.85	-0.02	16.91	45.77	42.46
Earnings From Cont. Operations, 3 Yr. CAGR %	-0.66	1.85	33.82	43.6	51.36
Net Income, 3 Yr. CAGR %	-0.66	1.85	33.75	43.39	51.99
Normalized Net Income, 3 Yr. CAGR %	-4.48	-2.04	33.75	44.74	45.44
Diluted EPS Before Extra, 3 Yr. CAGR %	-3.35	-3.43	13.02	24.49	34.73
Common Equity, 3 Yr. CAGR %	16.63	17.8	33.86	31.11	29.35
Total Assets, 3 Yr. CAGR %	10.07	10.51	22.61	24.1	27.33
Tangible Book Value, 3 Yr. CAGR %	16.63	17.8	30.69	28.59	27.89
Cash From Operations, 3 Yr. CAGR %	-31.42	16.97	92.69	94.32	70.21
Capital Expenditures, 3 Yr. CAGR %	-27.02	-22.89	50.39	92.93	84.24
Dividend Per Share, 3 Yr. CAGR %	17.84	18.56	91.29	35.72	35.27
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	13.48	3.84	20.09	23.7	16.85
Gross Profit, 5 Yr. CAGR %	13.36	3.49	19.83	23.3	16.23
Earnings From Cont. Operations, 5 Yr. CAGR %	16.12	16.54	18.75	23.5	30.3
Net Income, 5 Yr. CAGR %	16.12	16.54	18.72	23.39	30.62
Normalized Net Income, 5 Yr. CAGR %	12.95	12.95	16.93	21.32	26.03
Diluted EPS Before Extra, 5 Yr. CAGR %	14.22	12.88	7.3	11.51	17.69
Common Equity, 5 Yr. CAGR %	16.37	18.15	26.02	25.12	25.49
Total Assets, 5 Yr. CAGR %	13.8	13.83	16.69	18.69	20.78
Tangible Book Value, 5 Yr. CAGR %	16.37	18.15	24.22	23.67	24.65
Cash From Operations, 5 Yr. CAGR %	-5.1	27.04	6.05	41.23	77.73
Capital Expenditures, 5 Yr. CAGR %	-7.05	14.87	24.23	18.92	31.07
Dividend Per Share, 5 Yr. CAGR %	12.47	14.87	26.05	30.26	58.17