Shriram Finance Limited
Financial trend (87/100) does the heavy lifting; momentum (46/100) is the drag.
Fair valueStocksWizard rates Shriram Finance Limited a Buy, scoring 62/100 on our blended model. We put fair value near ₹988.95; at ₹994.1 that leaves roughly 1% downside, so the stock screens fairly valued. On 19.1x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 13% below its 52-week high of ₹1,141 and 66% above the low of ₹598.99. Financial health scores 89/100, with a Piotroski F-score of 2/9. The average analyst target of ₹1,181.75 implies about 19% upside across 32 analysts. It clears 5 of 12 investability checks, with durability 67, valuation 55 and momentum 46 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹791.16.
Analyst views
1-year price
EOD · 2026-09-2552-week range
-12.87% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy62Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 16.4%
- Fail: Low debt (D/E < 0.5): 2.76x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 25%
- No data: Earnings growing
- Pass: Net margin ≥ 10%: 48.3%
- Pass: Current ratio > 1.5: 2.27
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- Pass: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter22.1%
- Institutions61.1%
- Public & other16.8%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (48.3%).
- Up 64% over the past year.
Opportunities
- Revenue growing (25% YoY).
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (2/9).
About Shriram Finance Limited
Shriram Finance Limited, a non-banking finance company in India, offers commercial vehicle loans for goods vehicles, passenger vehicles, tractors, farm and construction equipment, alongside two-wheeler, gold, used car, and personal loans. It provides fixed and recurring deposits, MSME and working capital loans, and green finance services.
Shriram Finance Limited — frequently asked questions
Is Shriram Finance Limited a buy, hold or sell?
StocksWizard currently rates Shriram Finance Limited (SHRIRAMFIN) a Buy, based on a blended score of 62/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Shriram Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates Shriram Finance Limited's fair value at about ₹988.95, versus a current price of ₹994.1 — roughly 1% downside. On that basis the stock looks fairly valued.
Is Shriram Finance Limited financially healthy?
Shriram Finance Limited scores 89/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Shriram Finance Limited's share price performed?
Shriram Finance Limited is up 64% over the past year and down 4% over three months, and last traded at ₹994.1. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.