BSE:532498

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Shriram City Union Finance

Executive Summary

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


Snowflake Analysis

Average dividend payer with mediocre balance sheet.


Similar Companies

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.


Market Performance


7 Day Return

-5.8%

532498

-3.3%

IN Consumer Finance

-0.4%

IN Market


1 Year Return

-22.9%

532498

8.9%

IN Consumer Finance

15.9%

IN Market

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.


Shareholder returns

532498IndustryMarket
7 Day-5.8%-3.3%-0.4%
30 Day3.1%0.6%5.0%
90 Day30.5%36.1%24.4%
1 Year-22.0%-22.9%13.8%8.9%18.1%15.9%
3 Year-45.2%-47.1%72.9%56.6%9.7%4.4%
5 Year-21.3%-25.2%303.1%259.0%82.3%68.5%

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

Valuation

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

7.66x

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).


Next Steps

Future Growth

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

34.8%

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.


Next Steps

Past Performance

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

13.5%

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.


Next Steps

Financial Health

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.


Balance Sheet


Next Steps

Dividend

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

1.85%

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.


Next Steps

Management

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

7.0yrs

Average board tenure


CEO

Yalamati Chakravarti (57 yo)

1.5yrs

Tenure

₹4,880,000

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

NamePositionTenureCompensationOwnership
Yalamati Chakravarti
MD, CEO & Non-Independent Executive Director1.5yrs₹4.88mno data
Diwakar Gandhi
Independent Non-Executive Director1.75yrs₹550.00kno data
Debendranath Sarangi
Independent Non-Executive Chairman5.75yrs₹750.00kno data
Maya Sinha
Independent Non-Executive Director5.67yrs₹450.00kno data
Venkataraman Murali
Independent Non-Executive Director10yrs₹550.00kno data
Pranab Pattanayak
Independent Non-Executive Director8.25yrs₹450.00kno data
Duruvasan Ramachandra
Non-Independent Non-Executive Director8.58yrs₹2.92mno data
Ignatius Viljoen
Additional1.5yrsno datano data

7.0yrs

Average Tenure

61yo

Average Age

Experienced Board: 532498's board of directors are considered experienced (7 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 not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Shriram City Union Finance Limited's company bio, 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: ₹71.199b
  • Shares outstanding: 66.00m
  • Website: https://www.shriramcity.in

Number of Employees


Location

  • Shriram City Union Finance Limited
  • 123, Angappa Naicken Street
  • Chennai
  • Tamil Nadu
  • 600001
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
532498BSE (Mumbai Stock Exchange)YesEquity SharesININRJul 2003
SHRIRAMCITNSEI (National Stock Exchange of India)YesEquity SharesININRJul 2003

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/01/16 12:03
End of Day Share Price2021/01/15 00:00
Earnings2020/09/30
Annual Earnings2020/03/31


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.