Shriram Finance Intrinsic Value
SHRIRAMFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹590.40 | ₹472.32 - ₹708.48 | -44.3% | EPS: ₹49.20, Sector P/E: 12x |
| Book Value Method | asset | ₹1201.49 | ₹1081.34 - ₹1321.64 | +13.4% | Book Value/Share: ₹1501.86, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1252.02 | ₹1126.82 - ₹1377.22 | +18.2% | Revenue/Share: ₹1252.02, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹2118.60 | ₹1906.74 - ₹2330.46 | +100.0% | EBITDA: ₹34640.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹317.79 | ₹286.01 - ₹349.57 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹405.41 | ₹364.87 - ₹445.95 | -61.7% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹2118.60 | ₹1906.74 - ₹2330.46 | +100.0% | ROE: 16.4%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1289.40 | ₹1160.46 - ₹1418.34 | +21.7% | EPS: ₹49.20, BVPS: ₹1501.86 |
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Valuation Comparison Chart
SHRIRAMFIN Intrinsic Value Analysis
What is the intrinsic value of SHRIRAMFIN?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Shriram Finance (SHRIRAMFIN) is ₹1252.02 (median value). With the current market price of ₹1059.30, this represents a +18.2% variance from our estimated fair value.
The valuation range spans from ₹317.79 to ₹2118.60, indicating ₹317.79 - ₹2118.60.
Is SHRIRAMFIN undervalued or overvalued?
Based on our multi-method analysis, Shriram Finance (SHRIRAMFIN) appears to be trading below median value by approximately 18.2%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.11 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 5.20 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 16.4% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 74.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.16x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Shriram Finance
Additional stock information and data for SHRIRAMFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-43,652 Cr | ₹-43,652 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-31,118 Cr | ₹-31,332 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-17,625 Cr | ₹-17,625 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-8,859 Cr | ₹-8,876 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-4,239 Cr | ₹-4,252 Cr | Negative Cash Flow | 3/10 |