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Shriram City Union FinanceBSE:532498 Stock Report

Market Cap

₹144.3b

7D

-7.8%

1Y

129.8%

Updated

27 Sep, 2021

Data

Company Financials
532498 fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance5/6
Financial Health3/6
Dividends4/6

532498 Overview

Shriram City Union Finance Limited, a deposit accepting non-banking finance company, engages in the retail finance activities in India.

Shriram City Union Finance Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Shriram City Union Finance
Historical stock prices
Current Share Price₹2,183.40
52 Week High₹766.05
52 Week Low₹2,600.00
Beta1.15
1 Month Change6.26%
3 Month Change29.39%
1 Year Change129.76%
3 Year Change32.20%
5 Year Change-0.26%
Change since IPO13,419.51%

Recent News & Updates

Shareholder Returns

532498IN Consumer FinanceIN Market
7D-7.8%1.3%0.8%
1Y129.8%95.9%67.5%

Return vs Industry: 532498 exceeded the Indian Consumer Finance industry which returned 95.9% over the past year.

Return vs Market: 532498 exceeded the Indian Market which returned 67.5% over the past year.

Price Volatility

Is 532498's price volatile compared to industry and market?
532498 volatility
532498 Beta1.15
Industry Beta1.25
Market Beta1

Stable Share Price: 532498 is more volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 9% a week.

Volatility Over Time: 532498's weekly volatility (9%) has been stable over the past year, but is still higher than 75% of Indian stocks.

About the Company

FoundedEmployeesCEOWebsite
198625,787Yalamati Chakravartihttps://www.shriramcity.in

Shriram City Union Finance Limited, a deposit accepting non-banking finance company, engages in the retail finance activities in India. The company offers fixed and recurring deposits; and financing for two wheelers and three wheelers, as well as for new and used passenger and commercial four wheelers. It also provides personal loans; loans against gold; small business loans to tour operators, caterers, builders, retail and wholesale dealers, merchants, and self-employed professionals, as well as micro, small, and medium enterprises; home loans; and generator loans.

Shriram City Union Finance Fundamentals Summary

How do Shriram City Union Finance's earnings and revenue compare to its market cap?
532498 fundamental statistics
Market Cap₹144.25b
Earnings (TTM)₹10.85b
Revenue (TTM)₹38.83b

13.3x

P/E Ratio

3.7x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
532498 income statement (TTM)
Revenue₹38.83b
Cost of Revenue₹1.89b
Gross Profit₹36.93b
Expenses₹26.08b
Earnings₹10.85b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)164.20
Gross Margin95.12%
Net Profit Margin27.94%
Debt/Equity Ratio275.0%

How did 532498 perform over the long term?

See historical performance and comparison

Dividends

1.5%

Current Dividend Yield

20%

Payout Ratio

Valuation

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

13.3x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 532498 (₹2183.4) is trading above our estimate of fair value (₹745.36)

Significantly Below Fair Value: 532498 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 532498 is good value based on its PE Ratio (13.3x) compared to the Indian Consumer Finance industry average (22.2x).

PE vs Market: 532498 is good value based on its PE Ratio (13.3x) compared to the Indian market (20.7x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 532498's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 532498 is overvalued based on its PB Ratio (1.7x) compared to the IN Consumer Finance industry average (0.9x).


Future Growth

How is Shriram City Union Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

28.6%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Shriram City Union Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has Shriram City Union Finance performed over the past 5 years?

9.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 532498 has high quality earnings.

Growing Profit Margin: 532498's current net profit margins (27.9%) are higher than last year (25%).


Past Earnings Growth Analysis

Earnings Trend: 532498's earnings have grown by 9.8% per year over the past 5 years.

Accelerating Growth: 532498's earnings growth over the past year (12.9%) exceeds its 5-year average (9.8% per year).

Earnings vs Industry: 532498 earnings growth over the past year (12.9%) exceeded the Consumer Finance industry 5.7%.


Return on Equity

High ROE: 532498's Return on Equity (12.9%) is considered low.


Financial Health

How is Shriram City Union Finance's financial position?


Financial Position Analysis

Short Term Liabilities: 532498's short term assets (₹366.3B) exceed its short term liabilities (₹183.2B).

Long Term Liabilities: 532498's short term assets (₹366.3B) exceed its long term liabilities (₹110.2B).


Debt to Equity History and Analysis

Debt Level: 532498's debt to equity ratio (275%) is considered high.

Reducing Debt: 532498's debt to equity ratio has reduced from 336.3% to 275% over the past 5 years.

Debt Coverage: 532498's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if 532498's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

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

1.51%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: 532498's dividend (1.51%) is higher than the bottom 25% of dividend payers in the Indian market (0.34%).

High Dividend: 532498's dividend (1.51%) is in the top 25% of dividend payers in the Indian market (1.45%)


Stability and Growth of Payments

Stable Dividend: 532498's dividend payments have been volatile in the past 10 years.

Growing Dividend: 532498's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (20.1%), 532498'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?

7.7yrs

Average board tenure


CEO

Yalamati Chakravarti (58 yo)

2.17yrs

Tenure

₹12,800,000

Compensation

Mr. Yalamati Srinivasa Chakravarti, B. Com is the Managing Director, Chief Executive Officer and Executive Director at Shriram City Union Finance Ltd since July 1, 2019. He served as the Chief Operating Of...


Board Members

Experienced Board: 532498's board of directors are considered experienced (7.7 years average tenure).


Ownership

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


Insider Trading Volume

Insider Buying: 532498 insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Shriram City Union Finance Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Shriram City Union Finance Limited
  • Ticker: 532498
  • Exchange: BSE
  • Founded: 1986
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹144.251b
  • Shares outstanding: 66.07m
  • Website: https://www.shriramcity.in

Number of Employees


Location

  • Shriram City Union Finance Limited
  • No.144, Santhome High Road
  • Mylapore
  • Chennai
  • Tamil Nadu
  • 600004
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/27 15:39
End of Day Share Price2021/09/27 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.