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
Price History & Performance
|Historical stock prices|
|Current Share Price||₹2,005.55|
|52 Week High||₹2,602.00|
|52 Week Low||₹863.65|
|1 Month Change||-10.98%|
|3 Month Change||-2.54%|
|1 Year Change||85.68%|
|3 Year Change||27.66%|
|5 Year Change||7.32%|
|Change since IPO||5,525.67%|
Recent News & Updates
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...
|SHRIRAMCIT||IN Consumer Finance||IN Market|
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.
|SHRIRAMCIT Average Weekly Movement||6.6%|
|Consumer Finance Industry Average Movement||5.4%|
|Market Average Movement||6.0%|
|10% most volatile stocks in IN Market||9.0%|
|10% least volatile stocks in IN Market||3.8%|
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
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
|SHRIRAMCIT fundamental statistics|
Is SHRIRAMCIT overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SHRIRAMCIT income statement (TTM)|
|Cost of Revenue||₹1.94b|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||167.94|
|Net Profit Margin||28.03%|
How did SHRIRAMCIT perform over the long term?See historical performance and comparison
1.1%Current Dividend Yield
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: 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).
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.
How has Shriram City Union Finance performed over the past 5 years?
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.
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.
What is Shriram City Union Finance current dividend yield, its reliability and sustainability?
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.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Yalamati Chakravarti (58 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...
Experienced Board: SHRIRAMCIT's board of directors are considered experienced (7.8 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 employee growth, exchange listings and data sources
- 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
- Shriram City Union Finance Limited
- No.144, Santhome High Road
- Tamil Nadu
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/11/27 12:07|
|End of Day Share Price||2021/11/26 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.