Shriram Finance stock | Expectations for 2026, valuation & analysis

Shriram Finance

BSE:511218

Rp 927,60

+ Rp35,85 (4,02%)

927,60 Rp

+Rp35,85 (4,02%)

End-of-day quote: 04/07/2026

Shriram Finance Stock Value

The current analyst rating for BSE:511218 is Buy.

Buy

Shriram Finance Company Info

EPS Growth 5Y

14,79%

Market Cap

Rp1.677,89 B

Long-Term Debt

Rp1.781,11 B

Annual earnings

04/24/2026

Dividend

Rp10,30

Dividend Yield

1,11%

Founded

1979

Industry

Financials

Country

India

Website

Shriram Finance

ISIN Number

INE721A01047

Website

http://shriramfinance.in

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Rp1.200,00

29.37%

Last Update: 04/07/2026

Analysts: 30

Highest Price Target Rp1.325,00

Average Price Target Rp1.200,00

Lowest Price Target Rp1.000,00

In the last five quarters, Shriram Finance’s Price Target has risen from Rp431,32 to Rp708,36 - a 64,23% increase. Twenty Seven analysts predict that Shriram Finance’s share price will increase in the coming year, reaching Rp1.200,00. This would represent an increase of 29,37%.

Top growth stocks in the financials sector (5Y.)

What does Shriram Finance do?

Shriram Finance Limited is a player in the financial services sector in India. The company primarily engages in offering a diverse range of financial products and services aimed at empowering individuals and businesses across various market segments. The company’s operations are built around the vision of providing accessible and affordable financing solutions to meet the needs of the underserved communities in the country, supporting their financial aspirations and contributing to overall econo...

Business Segments

The company operates through several distinct business segments aimed at enhancing its service delivery and financial reach. Each segment is strategically aligned with the overarching goal of supporting the financial needs of its clientele while establishing a stable platform for growth and profitability.

Commercial Vehicle Financing

This segment remains at the core of the company's operations. It specializes in providing loans for the purchase of commercial vehicles, catering to small fleet operators and individual owners. The significance of this segment lies in its contribution to the logistics and transportation industry, which is vital for the growth of the Indian economy. The company offers flexible repayment terms and customized financing solutions that adhere to the diverse needs of its customers.

Retail Financing

This segment provides loans for personal needs, including two-wheelers and consumer durables. This segment appeals to a broad customer base and aims to enhance the quality of life through easy access to consumer goods.

Business Loans

This segment offers tailored business loans designed to meet the needs of small and medium enterprises (SMEs). These products support capital requirements for various business operations, promoting entrepreneurship and contributing to employment generation in local communities.

Insurance

This segment provides life and non-life insurance products, ensuring comprehensive financial protection for its clients. The emphasis on insurance services reflects the company’s commitment to safeguarding the financial well-being of individuals and families.

Investment Solutions

This segment offers various investment products, including mutual funds and fixed deposits, allowing clients to grow their wealth securely. This segment aims at promoting a culture of savings and investment among the populace.

Microfinance

This segment engages in microfinance, providing financial services to underserved segments, particularly women and small business owners in rural and semi-urban areas. This segment enhances financial inclusion and empowers entrepreneurs by providing them with the necessary capital to expand their businesses.

Business Strategy

The company articulates a robust business strategy focused on sustainable growth, customer satisfaction, and social responsibility. Its strategies revolve around the following core tenets:

Customer-Centric Approach: The company places immense importance on understanding and addressing the specific needs of its customers. By offering customized financial solutions, catering to diverse demographics, and maintaining open communication channels, it enhances customer loyalty and trust.

Technological Integration: The company harnesses technology to streamline operations, improve service delivery, and provide a seamless digital experience for customers. By investing in modern technological infrastructure and digital platforms, the company ensures efficient transaction processes and enhanced customer engagement.

Risk Management: A strong emphasis on risk assessment and management is central to the company’s operations. The company implements stringent risk evaluation frameworks that ensure sustainable lending practices while mitigating potential financial risks.

Sustainability and CSR: The strategy prioritizes sustainable business practices and community development. Through various CSR initiatives, the company aims to uplift communities, promote financial literacy, and contribute towards improving socioeconomic conditions.

Expansion and Diversification: The company continually seeks opportunities for expansion by diversifying its product offerings. By venturing into new segments, such as microfinance and insurance, it broadens its revenue base and expands its market presence.

Products and Services

The company's comprehensive suite of products and services is designed to address varied financial requirements across different customer segments effectively.

Vehicle Financing: Loans for the purchase of new and used trucks, buses, and two-wheelers. This financing facilitates customers in acquiring vehicles without heavy upfront costs.

Personal Loans: Unsecured loans aimed at customers for personal expenses, emergencies, or luxury purchases, with flexible repayment options.

Insurance Products: Offering both life and general insurance products that cater to the protection needs of individuals and businesses, ensuring financial security against uncertainties.

Business Loans: Financial solutions for small and medium enterprises geared towards business expansion, operational costs, and working capital requirements.

Microfinance Services: Focused loans for small business owners in underprivileged communities, encouraging entrepreneurship and women's empowerment.

Investment Solutions: A range of investment products, including systematic investment plans (SIPs) and fixed deposits, aimed at helping customers grow their savings and invest wisely.

Geographical Markets Served

The company operates in India, catering to various states and regions to maximize its reach and market penetration. The company has established a network of branches across urban, semi-urban, and rural areas, which allows it to serve a diverse customer base effectively.

Seasonality

The company experiences variability in demand for its products and services based on seasonal factors, particularly in vehicle financing, which generally sees higher demand during certain months due to festive seasons and agricultural cycles. The company strategically aligns its marketing campaigns and inventory management with these seasonal trends to optimize sales opportunities.

Customers

The company serves a diverse clientele, including individual borrowers, small fleet operators, businesses across various sectors, and underserved communities requiring microfinance solutions.

Sales and Marketing

The company employs a multi-channel marketing strategy that includes traditional advertising, digital marketing, and direct outreach. The distribution channels are backed by a broad network of branches and collaborations with various stakeholders, including dealer partners and financial advisors. This diverse approach ensures robust customer engagement and facilitates easy access to financial products.

History

The company was founded in 1979. It was incorporated in 1979. The company was formerly known as Shriram Transport Finance Company Limited and changed its name to Shriram Finance Limited in 2022.

Shriram Finance Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Main Industries:** - Vehicle financing - SME financing - Consumer loans **TOP 3 Markets:** 1. **India:** approx. 85% 2. **Southeast Asia:** approx. 10% 3. **Middle East:** approx. 5% Shriram Finance Limited generates the majority of its revenue from vehicle financing, especially through financin...

At which locations are the company’s products manufactured?

**Production Sites:** India (As of 2023) Shriram Finance Limited is a leading financial services company in India and does not produce any physical products. The company offers financial services such as vehicle financing, corporate loans, and insurance. Therefore, it does not rely on physical prod...

What strategy does Shriram Finance pursue for future growth?

**Strategy for Future Growth:** 1. **Diversification of Product Portfolio:** Shriram Finance Limited plans to further diversify its product portfolio to appeal to a broader customer base. This includes introducing new financial products and services tailored to the needs of different customer se...

Which raw materials are imported and from which countries?

**Commodities/Materials:** No specific commodities Shriram Finance Limited is a financial services company and not a manufacturing company. Therefore, it does not import physical commodities or materials. The company is mainly engaged in the financing of commercial vehicles, consumer finance, and o...

How strong is the company’s competitive advantage?

**Market Share:** 8% in the Indian NBFC sector (2024, estimated) **Credit Portfolio Growth:** 18% (2024) **Return on Equity (ROE):** 14.5% (2024) Shriram Finance Limited has a significant competitive advantage in the Indian financial sector, especially in the Non-Banking Financial Companies (...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** Approximately 30% (estimated for 2025) **Insider Buys/Sells:** No significant transactions in the last 12 months (estimated for 2025) The institutional investor share in Shriram Finance Limited is estimated to be around 30%. This reflects the interest of instituti...

What percentage market share does Shriram Finance have?

**Market share of Shriram Finance Limited:** Estimated around 5-7% (2025) **Main competitors and their market shares:** 1. **Bajaj Finance Limited:** around 15% 2. **HDFC Ltd.:** around 12% 3. **Mahindra & Mahindra Financial Services Limited:** around 10% 4. **LIC Housing Finance:** around 8% 5...

Is Shriram Finance stock currently a good investment?

**Revenue Growth:** 18% (2024) **Net Profit Growth:** 14% (2024) **Return on Equity (ROE):** 16% (2024) Shriram Finance Limited recorded strong revenue growth of 18% in 2024, attributed to successful expansion into new markets and increased demand for its financial services. The company was able to...

Does Shriram Finance pay a dividend – and how reliable is the payout?

**Dividend Yield:** 3.5% (estimated for 2025) **Dividend History:** Regular payouts over the past five years Shriram Finance Limited has regularly distributed dividends to its shareholders in recent years. The dividend yield for the year 2025 is estimated to be around 3.5%, which can be conside...

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Shriram Finance Stock Value

Shriram Finance Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Shriram Finance do?

Shriram Finance Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Shriram Finance Stock Value

Shriram Finance Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Shriram Finance do?

Shriram Finance Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.