Cash flow Shriram Finance Limited

Equities

511218

INE721A01047

Consumer Lending

Market Closed - Bombay S.E. Other stock markets 05:25:52 2026-01-16 am EST			5-day change	1st Jan Change
995.55 ^INR	+1.80%		+2.10%	-0.06%

Jan. 16	S&P Raises Shriram Finance to BBB- on MUFG Investment	MT
Jan. 16	Shriram Finance to consider debt securities issuance plan	RE

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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	171B	186B	292B	347B	403B
Interest Expense, Total	90.54B	97.34B	129B	155B	185B
Net Interest Income	80.74B	89.12B	163B	192B	219B
Commission and Fees	1.16B	1B	2.67B	5.42B	6.82B
Gain (Loss) on Sale of Investments, Total (Rev)	229M	2.37B	3.97B	1.45B	2.77B
Other Revenues, Total	739M	2.22B	2.63B	5.28B	808M
Revenues Before Provison For Loan Losses	82.87B	94.71B	172B	204B	229B
Provision For Loan Losses	-	38.65B	38.35B	42.81B	49.95B
Total Revenues	82.87B	56.06B	134B	161B	179B
Salaries And Other Employee Benefits	9.06B	9.97B	26.36B	34.72B	36.51B
Cost of Services Provided, Total	2.1B	2.58B	6.58B	9.1B	12.14B
Depreciation & Amortization - (IS) - (Collected)	1.37B	1.35B	6.01B	5.88B	6.45B
Provision for Bad Debts	-	-	-	-	-
Other Operating Expenses	37.54B	6.69B	12.38B	11.5B	14B
Total Operating Expenses	50.08B	20.6B	51.33B	61.19B	69.1B
Operating Income	32.79B	35.46B	82.41B	99.94B	110B
Income (Loss) on Equity Invest.	116M	132M	85.6M	77.8M	123M
Other Non Operating Income (Expenses)	-	40M	158M	137M	-39.5M
EBT, Excl. Unusual Items	32.9B	35.63B	82.65B	100B	110B
Gain (Loss) on Sale of Investments	-	20M	-46.4M	-357M	-261M
Gain (Loss) on Sale of Assets	-6.5M	-7.9M	-10M	12.5M	-79.1M
Asset Writedown	-	-18.4M	-370M	-126M	-17M
Other Unusual Items	-	-	-	-	15.54B
EBT, Incl. Unusual Items	32.9B	35.62B	82.22B	99.68B	125B
Income Tax Expense	7.91B	8.41B	22.02B	25.69B	30.8B
Earnings From Continuing Operations	24.99B	27.21B	60.2B	73.99B	94.36B
Earnings Of Discontinued Operations	-	-	-	-	1.41B
Net Income to Company	24.99B	27.21B	60.2B	73.99B	95.76B
Minority Interest	-	-	-89.9M	-325M	-225M
Net Income - (IS)	24.99B	27.21B	60.11B	73.66B	95.54B
Net Income to Common Incl Extra Items	24.99B	27.21B	60.11B	73.66B	95.54B
Net Income to Common Excl. Extra Items	24.99B	27.21B	60.11B	73.66B	94.13B
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	1.23B	1.33B	1.87B	1.88B	1.88B
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	1.23B	1.33B	1.88B	1.88B	1.88B
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)	174B	193B	305B	364B	419B
Effective Tax Rate - (Ratio)	24.04	23.62	26.78	25.77	24.61
Current Domestic Taxes	-	-	-	-	35.91B
Total Current Taxes	13.36B	10.3B	29.23B	34.51B	35.91B
Deferred Domestic Taxes	-	-	-	-	-5.11B
Total Deferred Taxes	-5.45B	-1.89B	-7.21B	-8.82B	-5.11B
Normalized Net Income	20.56B	22.27B	51.57B	62.27B	68.51B
Non-Cash Pension Expense	2.2M	1.3M	-4.7M	4.3M	38.4M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	-	1.68B	105M	2.6M
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	1.68B	105M	2.6M

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	111B	107B	99.33B	61.82B	107B
Long-Term Investments - (FS Template)	33.49B	69.71B	74.3B	94.72B	158B
Trading Asset Securities, Total	1.69B	2.01B	6.69B	3.26B	2.5B
Loans and Lease Receivables - (FS Template)	1,083B	1,167B	1,787B	2,187B	2,454B
Other Receivables	1.6B	3.97B	7.74B	6.3B	41.33B
Gross Property Plant And Equipment	5.53B	5.53B	17.58B	21.64B	23.39B
Accumulated Depreciation	-1.2B	-1.4B	-10.07B	-12.23B	-13.13B
Net Property Plant And Equipment	4.33B	4.13B	7.51B	9.41B	10.26B
Goodwill	-	-	17.41B	17.41B	11.89B
Other Intangibles, Total	23.9M	30.4M	12.85B	10.35B	6.99B
Other Current Assets, Total	57.15B	60.81B	72.59B	60.49B	108B
Deferred Tax Assets Long-Term (Collected)	6.39B	8.69B	19.82B	30.69B	36.95B
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	66.8M	44.2M	908M	1.24B	345M
Total Assets	1,298B	1,423B	2,106B	2,483B	2,937B
Liabilities
Interest Bearing Deposits	162B	219B	361B	444B	561B
Deposits	162B	219B	361B	444B	561B
Accounts Payable, Total	2.56B	1.66B	3.13B	2.46B	2.99B
Accrued Expenses, Total	3.52B	3.64B	6.37B	8.66B	9.63B
Short-Term Borrowings	7.25B	4.85B	5.16B	30.49B	1.19B
Current Portion of Long-Term Debt	322B	316B	520B	500B	503B
Current Portion of Leases	743M	749M	874M	-	1.38B
Long-Term Debt	571B	605B	756B	982B	1,278B
Long-Term Leases	2.75B	2.74B	5.15B	6.99B	5.81B
Current Income Taxes Payable	1.02B	368M	1.61B	2.38B	390M
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	4.78B	4.49B	5.39B	5.29B	141M
Unearned Revenue Non Current	-	-	-	-	158M
Pension & Other Post Retirement Benefits	20.7M	22.4M	28.8M	376M	276M
Deferred Tax Liability Non-Current	-	-	275M	-	-
Other Non Current Liabilities	3.17B	2.8B	2.59B	3.34B	8.59B
Total Liabilities	1,081B	1,162B	1,668B	1,986B	2,373B
Common Stock, Total	2.53B	2.71B	3.74B	3.76B	3.76B
Additional Paid In Capital	32.01B	56.62B	174B	176B	175B
Retained Earnings	174B	200B	252B	310B	388B
Comprehensive Income and Other	9.01B	1.64B	5.27B	264M	-2.13B
Total Common Equity	217B	261B	435B	489B	565B
Minority Interest	-	-	2.87B	7.3B	-
Total Equity	217B	261B	438B	497B	565B
Total Liabilities And Equity	1,298B	1,423B	2,106B	2,483B	2,937B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.27B	1.35B	1.87B	1.88B	1.88B
ECS Total Common Shares Outstanding	1.27B	1.35B	1.87B	1.88B	1.88B
Book Value / Share	171.64	192.92	232.42	260.5	300.31
Tangible Book Value	217B	261B	405B	462B	546B
Tangible Book Value Per Share	171.62	192.9	216.26	245.73	290.27
Total Debt	904B	929B	1,287B	1,519B	1,789B
Debt Equivalent of Unfunded Proj. Benefit Obligation	20.8M	22.4M	28.9M	376M	276M
Net Debt	792B	821B	1,181B	1,454B	1,680B
Equity Method Investments, Total	1.62B	1.75B	1.84B	1.91B	2.03B
Full Time Employees	24.45K	25.46K	64.05K	74.64K	79.87K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	24.99B	27.21B	60.11B	73.66B	95.54B
Depreciation, Depletion & Amortization	1.36B	1.34B	2.29B	2.58B	2.8B
Amortization of Goodwill and Intangible Assets - (CF)	-	-	3.65B	3.03B	3.03B
Total Depreciation, Depletion & Amortization	1.36B	1.34B	5.95B	5.6B	5.82B
Amortization of Deferred Charges, Total	13.4M	15.7M	60.6M	272M	629M
(Gain) Loss On Sale of Asset - (CF)	6.5M	7.9M	10M	-12.5M	79.1M
(Gain) Loss on Sale of Investments - (CF)	-271M	-2.39B	-3.91B	-6.62B	-1.07B
Total Asset Writedown	-2.2M	18.4M	320M	97.8M	17M
Provision for Credit Losses	31.28B	38.65B	41.33B	45.12B	52.79B
Stock-Based Compensation (CF)	-	-	1.68B	105M	2.6M
Change in Accounts Payable	1.12B	-	-	-	-
Change in Other Net Operating Assets (Collected)	-128B	-164B	-271B	-426B	-579B
Other Operating Activities	26.67B	10.3B	-11.19B	-3.52B	2.44B
Net Cash From Discontinued Operations	-	-	-	-	-14.08B
Cash from Operations	-42.39B	-88.59B	-176B	-311B	-437B
Capital Expenditure	-258M	-358M	-1.97B	-1.85B	-2.24B
Sale of Property, Plant, and Equipment	9.3M	14.2M	35.5M	56.8M	37M
Divestitures	-	-	-	-	39.29B
Purchase / Sale of Intangible Assets	-	-	-	-801M	-310M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	16M	-
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Other Investing Activities, Total	-	-	-	-	-169M
Cash from Investing	-249M	-343M	-1.93B	-2.58B	36.61B
Long-Term Debt Issued, Total	491B	581B	749B	1,061B	1,110B
Total Debt Issued	491B	581B	749B	1,061B	1,110B
Long-Term Debt Repaid, Total	-430B	-566B	-688B	-847B	-769B
Total Debt Repaid	-430B	-566B	-688B	-847B	-769B
Issuance of Common Stock	14.92B	25B	129M	305M	55M
Common Dividends Paid	-1.53B	-8.52B	-5.63B	-18.75B	-18.59B
Common & Preferred Stock Dividends Paid	-1.53B	-8.52B	-5.63B	-18.75B	-18.59B
Other Financing Activities, Total	47.77B	53.9B	63.13B	80.9B	122B
Cash from Financing	122B	85.05B	118B	276B	445B
Miscellaneous Cash Flow Adjustments	-	-	52.69B	-	-
Net Change in Cash	79.62B	-3.88B	-7.3B	-37.5B	44.99B
Supplemental Items
Cash Interest Paid	77.45B	85.88B	116B	136B	-
Cash Income Tax Paid (Refund)	12.59B	11.52B	32.67B	34.42B	35.91B
Net Debt Issued / Repaid	61.09B	14.67B	60.56B	214B	341B

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