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5112

Shriram Transport FinanceBSE:511218 Stock Report

Market Cap

₹364.5b

7D

-0.4%

1Y

129.8%

Updated

25 Sep, 2021

Data

Company Financials +
511218 fundamental analysis
Snowflake Score
Valuation3/6
Future Growth3/6
Past Performance5/6
Financial Health3/6
Dividends3/6

511218 Overview

Shriram Transport Finance Company Limited, a non-banking finance company, primarily provides commercial vehicle financing services in India.

Shriram Transport Finance Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Shriram Transport Finance
Historical stock prices
Current Share Price₹1,355.95
52 Week High₹595.30
52 Week Low₹1,534.90
Beta1.16
1 Month Change7.15%
3 Month Change-0.83%
1 Year Change129.84%
3 Year Change17.23%
5 Year Change16.67%
Change since IPO7,036.58%

Recent News & Updates

Shareholder Returns

511218IN Consumer FinanceIN Market
7D-0.4%1.3%0.8%
1Y129.8%95.9%67.5%

Return vs Industry: 511218 exceeded the Indian Consumer Finance industry which returned 95.9% over the past year.

Return vs Market: 511218 exceeded the Indian Market which returned 67.5% over the past year.

Price Volatility

Is 511218's price volatile compared to industry and market?
511218 volatility
511218 Beta1.16
Industry Beta1.25
Market Beta1

Stable Share Price: 511218 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: 511218's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
197924,452Umesh Revankarhttps://www.stfc.in

Shriram Transport Finance Company Limited, a non-banking finance company, primarily provides commercial vehicle financing services in India. It offers commercial vehicle loans for commercial goods vehicles, passenger commercial vehicles, tractors and farm equipment, and construction equipment. The company also provides business loans; deposits; working capital loans; life and general insurance products; emergency credit line guarantee schemes; consumer finance; stock broking services; and chit and mutual funds.

Shriram Transport Finance Fundamentals Summary

How do Shriram Transport Finance's earnings and revenue compare to its market cap?
511218 fundamental statistics
Market Cap₹364.46b
Earnings (TTM)₹23.49b
Revenue (TTM)₹85.68b

15.5x

P/E Ratio

4.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
511218 income statement (TTM)
Revenue₹85.68b
Cost of Revenue₹1.45b
Gross Profit₹84.23b
Expenses₹60.74b
Earnings₹23.49b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)87.41
Gross Margin98.30%
Net Profit Margin27.42%
Debt/Equity Ratio416.1%

How did 511218 perform over the long term?

See historical performance and comparison

Dividends

1.3%

Current Dividend Yield

19%

Payout Ratio

Valuation

Is Shriram Transport Finance undervalued compared to its fair value and its price relative to the market?

15.51x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 511218 (₹1355.95) is trading above our estimate of fair value (₹540.3)

Significantly Below Fair Value: 511218 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 511218 is good value based on its PE Ratio (15.5x) compared to the Indian Consumer Finance industry average (22.2x).

PE vs Market: 511218 is good value based on its PE Ratio (15.5x) compared to the Indian market (20.6x).


Price to Earnings Growth Ratio

PEG Ratio: 511218 is good value based on its PEG Ratio (0.5x)


Price to Book Ratio

PB vs Industry: 511218 is overvalued based on its PB Ratio (1.7x) compared to the IN Consumer Finance industry average (0.9x).


Future Growth

How is Shriram Transport Finance forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

30.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 511218's forecast earnings growth (30.9% per year) is above the savings rate (6.8%).

Earnings vs Market: 511218's earnings (30.9% per year) are forecast to grow faster than the Indian market (18.3% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if 511218's revenue is forecast to grow faster than the Indian market.

High Growth Revenue: Insufficient data to determine if 511218's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if 511218's Return on Equity is forecast to be high in 3 years time


Past Performance

How has Shriram Transport Finance performed over the past 5 years?

4.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 511218 has high quality earnings.

Growing Profit Margin: 511218's current net profit margins (27.4%) are higher than last year (27.1%).


Past Earnings Growth Analysis

Earnings Trend: 511218's earnings have grown by 4.5% per year over the past 5 years.

Accelerating Growth: 511218's earnings growth over the past year (7.1%) exceeds its 5-year average (4.5% per year).

Earnings vs Industry: 511218 earnings growth over the past year (7.1%) exceeded the Consumer Finance industry 5.7%.


Return on Equity

High ROE: 511218's Return on Equity (10.8%) is considered low.


Financial Health

How is Shriram Transport Finance's financial position?


Financial Position Analysis

Short Term Liabilities: 511218's short term assets (₹1,254.0B) exceed its short term liabilities (₹503.8B).

Long Term Liabilities: 511218's short term assets (₹1,254.0B) exceed its long term liabilities (₹577.3B).


Debt to Equity History and Analysis

Debt Level: 511218's debt to equity ratio (416.1%) is considered high.

Reducing Debt: 511218's debt to equity ratio has reduced from 492.8% to 416.1% over the past 5 years.

Debt Coverage: 511218's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if 511218's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

What is Shriram Transport Finance current dividend yield, its reliability and sustainability?

1.33%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: 511218's dividend (1.33%) is higher than the bottom 25% of dividend payers in the Indian market (0.34%).

High Dividend: 511218's dividend (1.33%) is low compared to the top 25% of dividend payers in the Indian market (1.45%).


Stability and Growth of Payments

Stable Dividend: 511218's dividend payments have been volatile in the past 10 years.

Growing Dividend: 511218's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (19.4%), 511218's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.3yrs

Average management tenure


CEO

Umesh Revankar (57 yo)

4.92yrs

Tenure

₹9,659,634

Compensation

Mr. Umesh Govind Revankar has been Managing Director of Shriram Transport Finance Company Limited since October 25, 2016 and served as its Chief Executive Officer. He serves as Vice Chairman of Shriram Tra...


CEO Compensation Analysis

Compensation vs Market: Umesh's total compensation ($USD130.87K) is below average for companies of similar size in the Indian market ($USD787.19K).

Compensation vs Earnings: Umesh's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: 511218's management team is considered experienced (2.3 years average tenure).


Board Members

Experienced Board: 511218's board of directors are considered experienced (6.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 6.2%.


Top Shareholders

Company Information

Shriram Transport Finance Company Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Shriram Transport Finance Company Limited
  • Ticker: 511218
  • Exchange: BSE
  • Founded: 1979
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹364.457b
  • Shares outstanding: 268.78m
  • Website: https://www.stfc.in

Number of Employees


Location

  • Shriram Transport Finance Company Limited
  • Wockhardt Towers
  • Level-3, West Wing, C-2
  • Mumbai
  • Maharashtra
  • 400051
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/25 12:02
End of Day Share Price2021/09/24 00:00
Earnings2021/06/30
Annual Earnings2021/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.