Shriram City Union Finance Limited, a deposit accepting non-banking finance company, engages in the retail finance activities in India. More Details
Average dividend payer with mediocre balance sheet.
Share Price & News
How has Shriram City Union Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 532498 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: 532498's weekly volatility (5%) has been stable over the past year.
7 Day Return
IN Consumer Finance
1 Year Return
IN Consumer Finance
Return vs Industry: 532498 underperformed the Indian Consumer Finance industry which returned 8.9% over the past year.
Return vs Market: 532498 underperformed the Indian Market which returned 15.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Shriram City Union Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
Is Shriram City Union 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: 532498 (₹1078.7) is trading above our estimate of fair value (₹460.13)
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 (7.7x) compared to the IN Consumer Finance industry average (12.7x).
PE vs Market: 532498 is good value based on its PE Ratio (7.7x) compared to the Indian market (19.5x).
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 (0.9x) compared to the IN Consumer Finance industry average (0.7x).
How is Shriram City Union Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
- Shriram City Union Finance is a dividend payer. Have a look at its current yield, dividend levels over time and whether analysts believe the payout ratio will be sustainable moving forward.
- Shriram City Union Finance competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
How has Shriram City Union Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 532498 has high quality earnings.
Growing Profit Margin: 532498's current net profit margins (24.4%) are lower than last year (27.5%).
Past Earnings Growth Analysis
Earnings Trend: 532498's earnings have grown by 13.5% per year over the past 5 years.
Accelerating Growth: 532498's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 532498 had negative earnings growth (-13.5%) over the past year, making it difficult to compare to the Consumer Finance industry average (-5.2%).
Return on Equity
High ROE: 532498's Return on Equity (11.7%) is considered low.
How is Shriram City Union Finance's financial position?
Financial Position Analysis
Short Term Liabilities: 532498's short term assets (₹313.6B) exceed its short term liabilities (₹49.0B).
Long Term Liabilities: 532498's short term assets (₹313.6B) exceed its long term liabilities (₹199.3B).
Debt to Equity History and Analysis
Debt Level: 532498's debt to equity ratio (239.3%) is considered high.
Reducing Debt: 532498's debt to equity ratio has reduced from 316.8% to 239.3% over the past 5 years.
Debt Coverage: 532498's debt is not well covered by operating cash flow (8.2%).
Interest Coverage: Insufficient data to determine if 532498's interest payments on its debt are well covered by EBIT.
What is Shriram City Union Finance current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 532498's dividend (1.85%) is higher than the bottom 25% of dividend payers in the Indian market (0.44%).
High Dividend: 532498's dividend (1.85%) is in the top 25% of dividend payers in the Indian market (1.81%)
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 (7.1%), 532498's dividend payments are thoroughly 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.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Yalamati Chakravarti (57 yo)
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...
|MD, CEO & Non-Independent Executive Director||1.5yrs||₹4.88m||no data|
|Independent Non-Executive Director||1.75yrs||₹550.00k||no data|
|Independent Non-Executive Chairman||5.75yrs||₹750.00k||no data|
|Independent Non-Executive Director||5.67yrs||₹450.00k||no data|
|Independent Non-Executive Director||10yrs||₹550.00k||no data|
|Independent Non-Executive Director||8.25yrs||₹450.00k||no data|
|Non-Independent Non-Executive Director||8.58yrs||₹2.92m||no data|
|Additional||1.5yrs||no data||no data|
Experienced Board: 532498's board of directors are considered experienced (7 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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Shriram City Union Finance Limited's company bio, employee growth, exchange listings and data sources
- Name: Shriram City Union Finance Limited
- Ticker: 532498
- Exchange: BSE
- Founded: 1986
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹71.199b
- Shares outstanding: 66.00m
- Website: https://www.shriramcity.in
Number of Employees
- Shriram City Union Finance Limited
- 123, Angappa Naicken Street
- Tamil Nadu
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|532498||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Jul 2003|
|SHRIRAMCIT||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Jul 2003|
Shriram City Union Finance Limited, a deposit accepting non-banking finance company, engages in the retail finance activities in India. The company offers fixed deposits; and financing for two wheelers and...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/16 12:03|
|End of Day Share Price||2021/01/15 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.