Shriram Transport Finance Company Limited, a non-banking finance company, primarily provides commercial vehicle financing services in India. More Details
+ 1 more risk
Fair value with moderate growth potential.
Share Price & News
How has Shriram Transport Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 511218 is more volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: 511218's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of Indian stocks.
7 Day Return
IN Consumer Finance
1 Year Return
IN Consumer Finance
Return vs Industry: 511218 underperformed the Indian Consumer Finance industry which returned 9.3% over the past year.
Return vs Market: 511218 underperformed the Indian Market which returned 8.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Shriram Transport Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
Is Shriram Transport Finance undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 511218 (₹1065.55) is trading above our estimate of fair value (₹421.05)
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 (11.9x) compared to the IN Consumer Finance industry average (12.6x).
PE vs Market: 511218 is good value based on its PE Ratio (11.9x) compared to the Indian market (17.2x).
Price to Earnings Growth Ratio
PEG Ratio: 511218 is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: 511218 is overvalued based on its PB Ratio (1.3x) compared to the IN Consumer Finance industry average (0.6x).
How is Shriram Transport Finance forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 511218's forecast earnings growth (28.2% per year) is above the savings rate (7.2%).
Earnings vs Market: 511218's earnings (28.2% per year) are forecast to grow faster than the Indian market (24.2% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: 511218's revenue (7.5% per year) is forecast to grow slower than the Indian market (11.5% per year).
High Growth Revenue: 511218's revenue (7.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 511218's Return on Equity is forecast to be low in 3 years time (13.4%).
How has Shriram Transport Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 511218 has a large one-off loss of ₹13.7B impacting its September 30 2020 financial results.
Growing Profit Margin: 511218's current net profit margins (26.2%) are lower than last year (34.3%).
Past Earnings Growth Analysis
Earnings Trend: 511218's earnings have grown by 13% per year over the past 5 years.
Accelerating Growth: 511218's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 511218 had negative earnings growth (-24.4%) over the past year, making it difficult to compare to the Consumer Finance industry average (-3.9%).
Return on Equity
High ROE: 511218's Return on Equity (10.3%) is considered low.
How is Shriram Transport Finance's financial position?
Financial Position Analysis
Short Term Liabilities: 511218's short term assets (₹1,141.8B) exceed its short term liabilities (₹131.9B).
Long Term Liabilities: 511218's short term assets (₹1,141.8B) exceed its long term liabilities (₹844.2B).
Debt to Equity History and Analysis
Debt Level: 511218's debt to equity ratio (405.3%) is considered high.
Reducing Debt: 511218's debt to equity ratio has reduced from 504.6% to 405.3% 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.
What is Shriram Transport Finance current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 511218's dividend (0.56%) is higher than the bottom 25% of dividend payers in the Indian market (0.53%).
High Dividend: 511218's dividend (0.56%) is low compared to the top 25% of dividend payers in the Indian market (2.15%).
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 not increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (6.7%), 511218's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 511218's dividends in 3 years are forecast to be thoroughly covered by earnings (12.5% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Umesh Revankar (56 yo)
Mr. Umesh Govind Revankar has been Chief Executive Officer and Managing Director of Shriram Transport Finance Company Limited since October 25, 2016. Mr. Revankar served as Managing Director and Chief Exec...
CEO Compensation Analysis
Compensation vs Market: Umesh's total compensation ($USD148.40K) is below average for companies of similar size in the Indian market ($USD768.94K).
Compensation vs Earnings: Umesh's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|MD, CEO & Director||4.08yrs||₹10.99m||no data|
|CFO & Executive Director||no data||₹6.30m||0.016% |
|Compliance Officer & Company Secretary||9.17yrs||₹4.95m||no data|
|BR Head and Executive Director of Accounts & Administration||no data||no data||no data|
|Senior Vice President||no data||no data||no data|
|Chief Executive Officer of Shriram Equipment Finance Company Limited||9.58yrs||no data||no data|
|Chief Executive Officer of Shriram Automall India Limited||9.58yrs||no data||no data|
|Chief Executive Officer of West & North||no data||no data||no data|
Experienced Management: 511218's management team is seasoned and experienced (9.4 years average tenure).
|MD, CEO & Director||4.08yrs||₹10.99m||no data|
|Non-Executive Independent Director||6.08yrs||₹1.32m||no data|
|Independent Non Executive Chairman||5.83yrs||₹1.17m||no data|
|Non Executive Independent Director||8.08yrs||₹1.42m||no data|
|Non Executive-Independent Director||2.08yrs||₹1.42m||no data|
|Non-Executive Non-Independent Director||5.42yrs||no data||no data|
|Non-Independent Non-Executive Director||1.5yrs||no data||no data|
Experienced Board: 511218's board of directors are considered experienced (5.4 years average tenure).
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.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 11.5%.
Shriram Transport Finance Company Limited's company bio, employee growth, exchange listings and data sources
- Name: Shriram Transport Finance Company Limited
- Ticker: 511218
- Exchange: BSE
- Founded: 1979
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹269.650b
- Shares outstanding: 253.06m
- Website: https://www.stfc.in
Number of Employees
- Shriram Transport Finance Company Limited
- Wockhardt Towers
- Level-3, West Wing, C-2
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|511218||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Sep 1995|
|SRTRANSFIN||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Sep 1995|
Shriram Transport Finance Company Limited, a non-banking finance company, primarily provides commercial vehicle financing services in India. The company offers commercial vehicle loans for commercial goods...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/11/26 12:10|
|End of Day Share Price||2020/11/26 00:00|
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.