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Shriram Finance
SectorFinancial Services
In the news
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The Quarter story
The two most recent quarterly results, compared side-by-side.
Shriram Finance expands AUM and profitability while maintaining stable asset quality across core lending segments.
Consolidated AUM expands from ₹2,722,490.1 in Q1 FY26 to ₹3,137,983.9 in Q1 FY27, reflecting strong portfolio growth.
Construction Equipments AUM shrinks from ₹165,353.6 in Q1 FY26 to ₹123,726.6 in Q1 FY27, signaling sectoral portfolio deleveraging.
Consolidated NIM widens from 8.11% in Q1 FY26 to 9.04% in Q1 FY27, showing improved pricing and funding efficiency.
Consolidated Coverage Ratio Stage 3 moves from 44.31% in Q1 FY26 to 50.99% in Q1 FY27, requiring monitoring for consistent NPA buffers.
Farm Equipments Net NPA falls from 4.69% in Q1 FY26 to 2.96% in Q1 FY27, indicating better asset quality in rural lending.
Passenger Vehicles AUM rises from ₹566,347.6 in Q1 FY26 to ₹686,502.3 in Q1 FY27, driven by steady auto loan demand.
Consolidated ROA increases from 2.76% in Q1 FY26 to 3.93% in Q1 FY27, demonstrating enhanced profitability per asset.
Company insights, generated from the most recent coverage.
Management held its 18% AUM growth guidance but explicitly reserved the right to revise after Q2 FY27 — that optionality, combined with RBI trimming the FY27 GDP forecast to 6.6%, caps how much growth investors should underwrite.
RSI(14) at 32.99, MFI at 18.72 and price pinned to the lower Bollinger Band at ₹956.77 — the fall is stretched short-term, so a bounce or consolidation is the likelier next move than continuation.
No exchange filing or news on Oct 14 explains the drop — the move reads as a give-back of the MUFG-driven gain rather than a reaction to any fundamental event.