Shriram Finance Intrinsic Value
Shriram Finance (SHRIRAMFIN) median intrinsic value is ₹1311.28 from 9 valuation models (range ₹302–₹2010), vs current price ₹1005.10 — +30.5% upside (Trading Below Calculated Value), margin of safety 23.3%. For current market price and key ratios, visit Shriram Finance share price chart.
SHRIRAMFIN Valuation Methods Summary — DCF, Graham Number & P/E
Shriram Finance intrinsic value across 9 models vs current price ₹1005.10 — upside/downside and value range per method. Analyse SHRIRAMFIN institutional holdings to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹770.88 | ₹616.70 - ₹925.06 | -23.3% | EPS: ₹64.24, Sector P/E: 12x |
| Book Value Method | asset | ₹1402.53 | ₹1262.28 - ₹1542.78 | +39.5% | Book Value/Share: ₹1753.16, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1311.28 | ₹1180.15 - ₹1442.41 | +30.5% | Revenue/Share: ₹1311.28, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹2010.20 | ₹1809.18 - ₹2211.22 | +100.0% | EBITDA: ₹36884.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹411.14 | ₹370.03 - ₹452.25 | -59.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹529.34 | ₹476.41 - ₹582.27 | -47.3% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹2010.20 | ₹1809.18 - ₹2211.22 | +100.0% | ROE: 18.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1591.86 | ₹1432.67 - ₹1751.05 | +58.4% | EPS: ₹64.24, BVPS: ₹1753.16 |
| Dividend Yield Method | dividend | ₹301.53 | ₹271.38 - ₹331.68 | -70.0% | DPS: ₹10.80, Target Yield: 4.0% |
SHRIRAMFIN Intrinsic Value vs Market Price — All Valuation Models
Shriram Finance fair value range ₹302–₹2010 vs current market price ₹1005.10 across 9 valuation models. Read SHRIRAMFIN ex-dividend dates for the complete payout history and dividend yield track record.
SHRIRAMFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Shriram Finance median intrinsic value ₹1311.28, current price ₹1005.10 — Trading Below Calculated Value by 30.5%, margin of safety 23.3%.
What is the intrinsic value of SHRIRAMFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Shriram Finance (SHRIRAMFIN) is ₹1311.28 (median value). With the current market price of ₹1005.10, this represents a +30.5% variance from our estimated fair value.
The valuation range spans from ₹301.53 to ₹2010.20, indicating ₹301.53 - ₹2010.20.
Is SHRIRAMFIN undervalued or overvalued?
Based on our multi-method analysis, Shriram Finance (SHRIRAMFIN) appears to be trading below calculated value by approximately 30.5%.
SHRIRAMFIN Financial Health — Key Ratios vs Industry Benchmarks
Shriram Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 18.3% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 75.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
SHRIRAMFIN Cash Flow Quality — Operating & Free Cash Flow
Shriram Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-13,281 Cr | ₹-13,402 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-43,652 Cr | ₹-43,652 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-31,101 Cr | ₹-31,230 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 |