Shriram Finance Ltd
BSE:511218
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Intrinsic Value
The intrinsic value of 
Shriram Finance Ltd (511218) under the Base Case is 1 192.75 INR per share.
Compared with the current market price of 960 INR, the stock appears
Undervalued by 20% .
The intrinsic value is the average of valuations using the DCF method and multiples.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Shriram Finance Does
Shriram Finance Ltd is an Indian non-banking finance company that mainly lends to people and small businesses that often have limited access to traditional bank credit. It focuses on vehicle finance, especially used commercial vehicles, passenger vehicles, two-wheelers, and construction equipment, and also offers small business loans, gold loans, and related secured lending products. Its customers are typically truck owners, transport operators, self-employed borrowers, micro and small business owners, and other retail borrowers across urban and semi-urban India.
- Headquarters
- India IN
- Employees
- 79 872
- IPO date
- Jun 6, 1905
Shriram Finance has no economic moat
Borrowers can choose among Shriram Finance, banks and other lenders for their next loan, and one borrower does not make the service more valuable to others. Its familiar name and wide reach may attract customers, but they do not by themselves make customers stay or let the company charge more than similar lenders.
Read the full moat analysis
Revenue & Expenses Breakdown
Shriram Finance Ltd
Earnings Waterfall
Shriram Finance Ltd
What is the Intrinsic Value of one SHRIRAMFIN stock?
The intrinsic value for Shriram Finance Ltd (511218) under the Base Case is 1 192.75 INR.
Is SHRIRAMFIN stock undervalued or overvalued?
Compared with the current market price of 960 INR, the stock appears Undervalued by 20% .
