SHRIRAMFIN.NS

Shriram Finance Limited

NSI · Financial Services

₹990.00

-₹21.80 (-2.06%)down -2.06%

24 September 2026 · delayed 15+ min

C-

Quality score71.3 / 100

Cut-offs are the grader's own: 97+ for an A+, below 60 is an F.

Shriram Finance Limited earns a C- on excellent profit margins (>20%) and strong revenue growth (>20%) but high debt-to-equity ratio (>2.0) and MACD bearish (negative histogram). Reasonable investment with moderate upside potential.

Model stance HOLD Suggested position 5.1% · ₹510.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 5.1% suggested allocation Change these

These change the suggested position size and the stance, not the category scores. Amount is in rupees.

IQ-SHRIRAMFIN.NS-20260924engine v1 · 7-category weighted scorecard

What it is worth, depending who you ask.

Today’s price against the year it has had and the targets analysts publish. Every marker is a reported figure, not a projection of ours.

52-week low

₹603.15

Today's price

₹990.00

Lowest analyst target

₹1,050.00

52-week high

₹1,154.70

Mean analyst target

₹1,200.56

Highest analyst target

₹1,340.00

SHRIRAMFIN.NS trades 70% of the way up its 52-week range, between ₹603.15 and ₹1,154.70. The mean analyst target of ₹1,200.56 is 21.2% above today's price.

Today’s price 52-week range Analyst price targets

Scored categories

Financial healthExcellent profit margins (>20%); Strong revenue growth (>20%); High debt-to-equity ratio (>2.0) 80.023%

Profit margin

50.01%

Net profit per unit of revenue

exceptionalWhat this means

Of every 100 units of revenue, this much survives as profit.

Margins this wide usually mean real pricing power or a moat.

Operating margin

68.52%

Before interest and tax

very highWhat this means

Profit from operations, before interest and tax, per 100 of revenue.

Typical of software and other businesses with little cost per extra sale.

Gross margin

96.81%

After the cost of goods only

highWhat this means

What is left of revenue after only the direct cost of the product.

Little marginal cost per sale, which is what lets software and pharma fund heavy R&D.

Return on equity

18.50%

Profit per unit of shareholder capital

strongWhat this means

Profit generated per unit of shareholder capital.

Above 15% is generally considered a good business.

Debt to equity

276.21

Borrowings against equity

heavily gearedWhat this means

Borrowings measured against shareholder capital.

Debt magnifies both good years and bad, and raises the stakes when rates rise.

Revenue growth

42.80%

Year on year

fast-growingWhat this means

Change in revenue against the same period last year.

Rapid growth, though the question is always how long it can hold.

Earnings growth

29.50%

Year on year

strongWhat this means

Change in earnings against the same period last year.

Profit is compounding at a good clip.

Revenue

₹22,630 Cr

Trailing twelve months

Payout ratio

24.37%

Dividends as a share of earnings

conservativeWhat this means

The share of earnings paid out as dividends.

Comfortably covered, with room to keep raising it.

Growth & momentumStrong 1-year return (60.2%) 75.022%

Return, 1 month

-10.08%

Return, 3 months

-4.47%

Return, 6 months

14.16%

Return, year to date

-2.36%

Return, 1 year

60.23%

Return, 3 years

174.06%

Sharpe ratio

0.92

Return earned per unit of risk

modestWhat this means

Return earned per unit of risk taken.

Below 1 is the common case; return did not strongly outpace the volatility.

Win rate

51.53%

Share of days that closed up

about evenWhat this means

The share of trading days that closed higher.

Close to a coin flip, which is the norm — returns come from the size of moves, not their count.

Average daily return

0.14%

Best day

11.20%

Worst day

-9.90%

Valuation7 measured figures 70.018%

P/E ratio

17.49

Price against trailing earnings

moderateWhat this means

You pay 17.49 for every 1 unit of annual earnings.

Roughly the long-run market average band.

Forward P/E

13.79

Price against forecast earnings

lowWhat this means

Price against next year's *forecast* earnings.

The market expects little growth, or doubts the forecast.

Price to book

2.83

Price against balance-sheet equity

normalWhat this means

Price against the accounting value of the company's net assets.

A typical range for an established company.

Price to sales

10.29

Price against revenue

highWhat this means

Price against revenue — usable when a company has no profit yet.

The price assumes today's revenue will convert into much more profit later.

Enterprise value

₹4.05 L Cr

Market value plus debt, minus cash — the price of the whole business

Shares outstanding

2,35,30,45,034

Shares the profit is split across

Dividend yield

1.37%

Annual dividend against price

modestWhat this means

Annual dividend as a percentage of the share price.

A small income component.

TechnicalStrong trend (ADX > 25); RSI in healthy range (30-70); MACD bearish (negative histogram) 60.015%

RSI (14)

35.9

Above 70 overbought, below 30 oversold

neutralWhat this means

A 0–100 momentum gauge over the last 14 sessions.

The middle band, where most trading days sit.

MACD

-21.92

Momentum against its own trend

MACD histogram

-1.80

Positive is bullish

ADX

29.1

Trend strength; above 25 is a real trend

trendingWhat this means

Trend strength, regardless of direction.

Above 25 is conventionally read as a genuine trend in force.

20-day average

₹1,028.03

50-day average

₹1,065.91

200-day average

₹1,002.60

Price vs 50-day

-7.03%

Price vs 200-day

-1.16%

Bollinger upper

₹1,092.45

Bollinger lower

₹964.62

Average true range

24.88

Typical daily trading range

Stochastic %K

23.7

Risk4 measured figures 40.012%

Volatility, annualised

35.12%

How far it swings in a year

normalWhat this means

How far the price typically swings over a year.

A typical range for an individual share.

Beta

0.61

Moves against the wider market

steadier than the marketWhat this means

How much the price moves relative to the wider market.

Tends to move less than the index, in both directions.

Maximum drawdown

-38.35%

Worst peak-to-trough fall

significantWhat this means

The worst peak-to-trough fall in the period measured.

A serious decline, though not unusual over a multi-year window.

Risk category

High

The engine's own banding

Analyst viewAnalyst consensus: Strong Buy; Significant upside potential (21.2%) 100.010%

Consensus

Strong Buy

What covering analysts rate it

Analysts covering

32

Mean price target

₹1,200.56

Highest target

₹1,340.00

Lowest target

₹1,050.00

Implied upside

21.17%

Target against today's price

meaningfulWhat this means

How far the mean analyst target sits above today's price.

Analysts see real room above today's price.

Price against the NIFTY 50

180 trading days to 2026-09-24

SHRIRAMFIN.NS is 0.3% up over the window, against 9.4% down for the NIFTY 50 — ahead by 9.7 points.
SHRIRAMFIN.NS +0.3%NIFTY 50 -9.4%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2026-01-08, so they can be compared directly.
DateCloseSHRIRAMFIN.NS rebasedNIFTY 50 rebased
2026-01-08₹987.32100.0100.0
2026-01-30₹1,014.26102.797.9
2026-02-20₹1,053.34106.798.8
2026-03-16₹986.4299.990.5
2026-04-09₹991.70100.391.9
2026-05-01₹932.0894.4—
2026-05-22₹936.7194.891.7
2026-06-12₹950.5896.291.3
2026-07-03₹1,064.60107.793.8
2026-07-24₹1,005.10101.891.8
2026-08-14₹1,122.00113.694.2
2026-09-04₹1,041.00105.492.4

How the score was built

Each category is scored 0–100, then multiplied by its weight. The seven contributions sum to the quality score.
CategoryScoreWeightContribution
Financial health80.023%18.4
Growth & momentum75.022%16.5
Valuation70.018%12.6
Technical60.015%9.0
Risk40.012%4.8
Analyst view100.010%10.0
ESG50.00%0.0
Quality score100%71.3

ESG is scored but carries no weight in this grade. Add ?esg=1 to the address to include it — the engine then redistributes weight across the other six, so the whole scorecard changes, not just one row.

Argue with the model

Every other grader hands you a number. This one hands you the model.

Move a slider, press Recalculate, and the grade is rebuilt from the same category scores. Nothing is hidden: the scores are the engine's, only the weighting is yours.

What each model believes. Pick one above, or set your own sliders below.
ModelThe emphasis
IQInvest defaultThe engine's own weighting: financial health 23% and performance 22% lead, valuation 18%, then technicals, risk and analysts.
Value investorPrice against worth dominates: valuation 40%, financial health 25%. Chart signals count for almost nothing.
Growth investorMomentum first: performance 40% and technicals 20%. Whether the price is fair today gets just 5%.
Sleep at nightStability over everything: risk 35% and financial health 30% together outweigh all other categories combined.
ChartistThe tape over the fundamentals: technicals 45% and performance 25%. Valuation is nearly ignored.
18%
23%
22%
12%
15%
10%
0%

These are IQInvest's own weights, totalling 100%.

Your grade

C-

71.3 / 100

Identical to the IQInvest grade.

All 59 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
Analysts coveringAnalyst view32Yahoo Finance
ConsensusAnalyst viewStrong BuyYahoo Finance
Highest targetAnalyst view₹1,340.00Yahoo Finance
Implied upsideAnalyst view21.17%Yahoo Finance
Lowest targetAnalyst view₹1,050.00Yahoo Finance
Mean price targetAnalyst view₹1,200.56Yahoo Finance
Debt to equityFinancial health276.21Yahoo Finance
Earnings growthFinancial health29.50%Yahoo Finance
Gross marginFinancial health96.81%Yahoo Finance
Operating marginFinancial health68.52%Yahoo Finance
Payout ratioFinancial health24.37%Yahoo Finance
Profit marginFinancial health50.01%Yahoo Finance
Return on equityFinancial health18.50%Yahoo Finance
RevenueFinancial health₹22,630 CrYahoo Finance
Revenue growthFinancial health42.80%Yahoo Finance
Average daily returnGrowth & momentum0.14%Yahoo Finance
Best dayGrowth & momentum11.20%Yahoo Finance
Return, 1 monthGrowth & momentum-10.08%Yahoo Finance
Return, 1 yearGrowth & momentum60.23%Yahoo Finance
Return, 3 monthsGrowth & momentum-4.47%Yahoo Finance
Return, 3 yearsGrowth & momentum174.06%Yahoo Finance
Return, 6 monthsGrowth & momentum14.16%Yahoo Finance
Return, year to dateGrowth & momentum-2.36%Yahoo Finance
Sharpe ratioGrowth & momentum0.92Yahoo Finance
Win rateGrowth & momentum51.53%Yahoo Finance
Worst dayGrowth & momentum-9.90%Yahoo Finance
52-week highMarket data₹1,154.70Yahoo Finance
52-week lowMarket data₹603.15Yahoo Finance
Average volumeMarket data48,45,325Yahoo Finance
Day highMarket data₹1,009.60Yahoo Finance
Day lowMarket data₹983.40Yahoo Finance
EmployeesMarket data78,902Yahoo Finance
OpenMarket data₹999.00Yahoo Finance
Previous closeMarket data₹1,011.80Yahoo Finance
VolumeMarket data40,95,310Yahoo Finance
BetaRisk0.61Yahoo Finance
Maximum drawdownRisk-38.35%Yahoo Finance
Risk categoryRiskHighYahoo Finance
Volatility, annualisedRisk35.12%Yahoo Finance
20-day averageTechnical₹1,028.03Yahoo Finance
200-day averageTechnical₹1,002.60Yahoo Finance
50-day averageTechnical₹1,065.91Yahoo Finance
ADXTechnical29.1Yahoo Finance
Average true rangeTechnical24.88Yahoo Finance
Bollinger lowerTechnical₹964.62Yahoo Finance
Bollinger upperTechnical₹1,092.45Yahoo Finance
MACDTechnical-21.92Yahoo Finance
MACD histogramTechnical-1.80Yahoo Finance
Price vs 200-dayTechnical-1.16%Yahoo Finance
Price vs 50-dayTechnical-7.03%Yahoo Finance
RSI (14)Technical35.9Yahoo Finance
Stochastic %KTechnical23.7Yahoo Finance
Dividend yieldValuation1.37%Yahoo Finance
Enterprise valueValuation₹4.05 L CrYahoo Finance
Forward P/EValuation13.79Yahoo Finance
P/E ratioValuation17.49Yahoo Finance
Price to bookValuation2.83Yahoo Finance
Price to salesValuation10.29Yahoo Finance
Shares outstandingValuation2,35,30,45,034Yahoo Finance
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