Shriram Finance Ltd

NSE: SHRIRAMFIN LIVE

Financial Services • • ISIN: N/A

₹995.00

▲ +-33.60 (+1.63%)

Data updated: Just now (NSE India Live Feed)

52W Low: ₹603.15

Today High / Low: ₹1,005.50 / ₹978.30

52W High: ₹1,153.70

Volume: 4,284,566

⚖️ Compare vs Peers

🎯 TickerPulse Confluence Engine Institutional 360°

360° Quantitative Confluence Radar DEFENSIVE QUALITY COMPOUNDER

Robust balance sheet and strong institutional sponsorship. Favorable for swing accumulation with standard 1% risk discipline.

Confluence Score

Top Decile Edge

Valuation & Multiples 80/100

P/E, P/B, FCF yield vs historical levels

Trend & Moving Averages 96/100

20/50 EMA structure, RSI momentum, 52W range

Institutional Sponsorship 85/100

FII & DII holdings, delivery turnover backing

Balance Sheet Solvency 35/100

Debt-to-equity ratio, Altman Z score, operating margin

Asymmetric Reward-to-Risk 85/100

Calculated 3.07:1 potential target vs swing low stop

📐 Institutional Trade Setup 1% Risk Aligned

Entry Reference

₹995.00

Structural Stop Loss

₹935.80

Max Risk: -5.95%

Technical Target 1

₹1,176.77

Payoff Profile

3.07 : 1.0

Reward-to-Risk

🎯 Size This Trade (1% Risk Lab) → 🎮 Paper Trade Virtual Setup →

Transparent Business & Valuation Scoring

Methodology v1.0 • Every metric is deterministic and verifiable.

How we calculate scores →

Overall Quality Score

58 / 100

Moderate

Financial Health

45 / 100

Subdued

Profitability & Margins

67 / 100

Moderate

Growth Trajectory

40 / 100

Subdued

Valuation Attractiveness

80 / 100

Strong

Interactive Price Performance & Trend

Live exchange closing feeds from NSE/BSE

50-Day DMA: ₹960.18

200-Day DMA: ₹890.53

14-Day RSI: 57.7 (Neutral)

Trend: Strong Bullish

Key Fundamentals & Ratios (Data as of 2026-08-30)

Market Cap ₹12,600,000.00L Cr Large_cap Category

P/E Ratio (TTM) 15.2x Sector Mean: ~28.5x

Price to Book (P/B) — Book Val: ₹0.0

Return on Equity (ROE) 17.8% Net Profit / Net Worth

ROCE — Capital Efficiency

Debt / Equity 3.85 Manageable Leverage

EPS (TTM) ₹0.00 Earnings Per Share

Dividend Yield 1.35% Annual Cash Payout

Operating Margin — Core Operational Spread

Annual Free Cash Flow ₹0.00 Cr Operating CF minus Capex

Algorithmic Analysis (Pros & Cons)

⚡ Computed from Balance Sheet & Valuation Metrics

✓

Company Strengths (Pros)

• Delivers solid shareholder returns with an ROE of 17.8%.
• Trading at an attractive valuation with a conservative P/E of 15.2x.

⚠

Key Limitations & Risks (Cons)

• Company has a high debt-to-equity ratio of 3.85x.

Fundamental Health

Piotroski F-Score

5 / 9

Balance Sheet Score: Stable Financials

Positive Return on Equity (ROE) ✓ PASS

High Capital Efficiency (ROCE > 12%) ✗ FAIL

Strong Operating Spread (Margin > 15%) ✗ FAIL

Positive Free Cash Flow Generation ✓ PASS

9-Point Stanford University fundamental screening model.

Solvency & Credit Risk

Altman Z-Score

2.96

Solvency Classification: Grey Zone (Moderate Solvency)

Firm operates with acceptable liquidity but requires ongoing monitoring of debt service coverage.

Safe Zone (>2.99) • Grey Zone (1.81–2.99) • Distress (<1.81)

Valuation Model

Intrinsic Fair Value

DCF + Graham

Estimated Fair Value

₹841.05

Premium / Overvalued (-15.5%)

Graham Value

₹647.08

DCF Model

₹999.76

DuPont ROE: 14.4% NPM × 0.85 Turn × 4.85x Lev

Quarterly Financial Performance (Consolidated ₹ Cr)

Past 4 Reported Quarters

Metric (₹ Cr)	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales / Revenue	₹13,182.75 Cr	₹13,749.75 Cr	₹14,458.50 Cr	₹15,025.50 Cr
Operating Profit	₹2,359.71 Cr	₹2,516.20 Cr	₹2,703.74 Cr	₹2,869.87 Cr
OPM % (Operating Margin)	17.9%	18.3%	18.7%	19.1%
Profit before Tax (PBT)	₹1,887.77 Cr	₹2,012.96 Cr	₹2,162.99 Cr	₹2,295.90 Cr
Net Profit (PAT)	₹1,415.83 Cr	₹1,509.72 Cr	₹1,622.24 Cr	₹1,721.92 Cr
Quarterly EPS (₹)	₹15.22	₹15.87	₹16.69	₹17.35

Shareholding Pattern & Institutional Ownership

Latest Disclosed Quarter

Promoters

52.40%

Foreign Institutions (FIIs)

19.80%

Domestic Institutions (DIIs)

15.60%

Retail & Public

12.20%

Technical Levels & Intraday Pivot Matrix

Institutional support, resistance, moving averages & momentum indicators

⚡ Signal: Strong Bullish RSI (14): 57.7

📈 Key Moving Averages

20 EMA (Short Term)

₹983.06

50 SMA (Medium Term)

₹960.18

100 SMA (Structural)

₹933.31

200 SMA (Long Trend)

₹890.53

🎯 52-Week Range Alignment

Distance from 52W High (₹1,153.70) -13.8%

Distance from 52W Low (₹603.15) +65%

Pivot Model	Support 3	Support 2	Support 1	Central Pivot (P)	Resistance 1	Resistance 2	Resistance 3
Classic Floor	₹953.16	₹965.73	₹980.36	₹992.93	₹1,007.56	₹1,020.13	₹1,034.76
Camarilla Intraday	—	L4: ₹980.04	L3: ₹987.52	₹995.00	H3: ₹1,002.48	H4: ₹1,009.96	—
Fibonacci	—	61.8%: ₹978.19	38.2%: ₹984.61	₹992.93	38.2%: ₹1,005.39	61.8%: ₹1,011.81	—

Sector Peers Comparison (Financial Services)

Peer Company	Price	Today Change	Market Cap	P/E Ratio	ROE (%)	Compare
HDFCBANK — HDFC Bank Ltd	₹713.00	▼ 0.00 (-1.18%)	₹125,400,000.00L Cr	18.2x	16.4%	Compare →
ICICIBANK — ICICI Bank Ltd	₹1,347.60	▼ 0.00 (-0.82%)	₹85,600,000.00L Cr	17.5x	18.9%	Compare →
SBIN — State Bank of India	₹988.70	▼ 0.00 (-0.27%)	₹72,500,000.00L Cr	10.4x	17.2%	Compare →
BAJFINANCE — Bajaj Finance Ltd	₹1,015.00	▲ +0.00 (+0.88%)	₹45,400,000.00L Cr	28.6x	22.4%	Compare →
AXISBANK — Axis Bank Ltd	₹1,240.00	▼ 0.00 (-0.08%)	₹36,500,000.00L Cr	12.8x	17.5%	Compare →

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