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SHRI

Shriram City Union FinanceNSEI:SHRIRAMCIT Stock Report

Market Cap

₹132.6b

7D

-2.2%

1Y

85.7%

Updated

27 Nov, 2021

Data

Company Financials
SHRIRAMCIT fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance4/6
Financial Health3/6
Dividends3/6

SHRIRAMCIT Stock 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

Bajaj Finance

BSE:500034

₹4.1t

Muthoot Finance

NSEI:MUTHOOTFIN

₹578.2b

Cholamandalam Investment and Finance

BSE:511243

₹446.8b

Shriram Transport Finance

BSE:511218

₹391.4b

Price History & Performance

Summary of all time highs, changes and price drops for Shriram City Union Finance
Historical stock prices
Current Share Price₹2,005.55
52 Week High₹2,602.00
52 Week Low₹863.65
Beta1.15
1 Month Change-10.98%
3 Month Change-2.54%
1 Year Change85.68%
3 Year Change27.66%
5 Year Change7.32%
Change since IPO5,525.67%

Recent News & Updates

Sep 21
Do Shriram City Union Finance's (NSE:SHRIRAMCIT) Earnings Warrant Your Attention?

Do Shriram City Union Finance's (NSE:SHRIRAMCIT) Earnings Warrant Your Attention?

Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...

Shareholder Returns

SHRIRAMCITIN Consumer FinanceIN Market
7D-2.2%-8.5%-3.3%
1Y85.7%31.3%43.0%

Return vs Industry: SHRIRAMCIT exceeded the Indian Consumer Finance industry which returned 39.9% over the past year.

Return vs Market: SHRIRAMCIT exceeded the Indian Market which returned 47.7% over the past year.

Price Volatility

Is SHRIRAMCIT's price volatile compared to industry and market?
SHRIRAMCIT volatility
SHRIRAMCIT Average Weekly Movement6.6%
Consumer Finance Industry Average Movement5.4%
Market Average Movement6.0%
10% most volatile stocks in IN Market9.0%
10% least volatile stocks in IN Market3.8%

Stable Share Price: SHRIRAMCIT is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: SHRIRAMCIT's weekly volatility (7%) has been stable over the past year.

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?
SHRIRAMCIT fundamental statistics
Market Cap₹132.57b
Earnings (TTM)₹11.12b
Revenue (TTM)₹39.67b

11.9x

P/E Ratio

3.3x

P/S Ratio

Is SHRIRAMCIT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
SHRIRAMCIT income statement (TTM)
Revenue₹39.67b
Cost of Revenue₹1.94b
Gross Profit₹37.72b
Expenses₹26.61b
Earnings₹11.12b

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)167.94
Gross Margin95.10%
Net Profit Margin28.03%
Debt/Equity Ratio261.7%

How did SHRIRAMCIT perform over the long term?

See historical performance and comparison

Dividends

1.1%

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?

11.92x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: SHRIRAMCIT (₹2005.55) is trading above our estimate of fair value (₹883.09)

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


Price To Earnings Ratio

PE vs Industry: SHRIRAMCIT is good value based on its PE Ratio (11.9x) compared to the Indian Consumer Finance industry average (22.5x).

PE vs Market: SHRIRAMCIT is good value based on its PE Ratio (11.9x) compared to the Indian market (19.3x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: SHRIRAMCIT is overvalued based on its PB Ratio (1.5x) 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?

29.3%

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?

9.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: SHRIRAMCIT has a high level of non-cash earnings.

Growing Profit Margin: SHRIRAMCIT's current net profit margins (28%) are higher than last year (24.4%).


Past Earnings Growth Analysis

Earnings Trend: SHRIRAMCIT's earnings have grown by 9.5% per year over the past 5 years.

Accelerating Growth: SHRIRAMCIT's earnings growth over the past year (19.6%) exceeds its 5-year average (9.5% per year).

Earnings vs Industry: SHRIRAMCIT earnings growth over the past year (19.6%) exceeded the Consumer Finance industry 11.3%.


Return on Equity

High ROE: SHRIRAMCIT's Return on Equity (12.5%) is considered low.


Financial Health

How is Shriram City Union Finance's financial position?


Financial Position Analysis

Short Term Liabilities: SHRIRAMCIT's short term assets (₹375.1B) exceed its short term liabilities (₹63.5B).

Long Term Liabilities: SHRIRAMCIT's short term assets (₹375.1B) exceed its long term liabilities (₹240.2B).


Debt to Equity History and Analysis

Debt Level: SHRIRAMCIT's net debt to equity ratio (200.5%) is considered high.

Reducing Debt: SHRIRAMCIT's debt to equity ratio has reduced from 342.9% to 261.7% over the past 5 years.

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

Interest Coverage: Insufficient data to determine if SHRIRAMCIT'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?

1.15%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: SHRIRAMCIT's dividend (1.15%) is higher than the bottom 25% of dividend payers in the Indian market (0.35%).

High Dividend: SHRIRAMCIT's dividend (1.15%) is low compared to the top 25% of dividend payers in the Indian market (1.44%).


Stability and Growth of Payments

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

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


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (19.6%), SHRIRAMCIT'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?

7.8yrs

Average board tenure


CEO

Yalamati Chakravarti (58 yo)

2.33yrs

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: SHRIRAMCIT's board of directors are considered experienced (7.8 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 employee growth, exchange listings and data sources


Key Information

  • Name: Shriram City Union Finance Limited
  • Ticker: SHRIRAMCIT
  • Exchange: NSEI
  • Founded: 1986
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹132.568b
  • Shares outstanding: 66.21m
  • 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 Analysis2021/11/27 12:07
End of Day Share Price2021/11/26 00:00
Earnings2021/09/30
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.