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Earnings Call

Shriram Finance Earnings Call: Key Takeaways

Shriram Finance delivered a strong Q4 FY26 with PAT growth of 40.86% and NIM expansion, supported by robust commercial vehicle sales and strategic capital infusion from MUFG Bank.

Highlights
Revenue growthNII grew 15.58% YoY; AUM reached ₹3.02 lakh crore.
MarginsNIM expanded to 8.61% from 8.25% YoY.
Demand visibilityStrong used vehicle demand; rural demand dependent on monsoon outcome.
Management confidenceCautiously optimistic, highlighting resilience amidst geopolitical and climatic uncertainties.

Growth

AUM grew 14.85% YoY with PAT reaching ₹3,013.57 crore; growth driven by both new and used vehicle financing.

Outlook

Budgeted 18% AUM growth for FY27; NIM target maintained at 8.5% despite liquidity and cost pressures.

Risks

Potential monsoon shortfall, elevated agro-input costs, and geopolitical tensions in West Asia impacting fuel prices and inflation.

Source

Earnings Call filed with BSE, NSE: SHRIRAMFIN. Summary written with AI assistance from the document.

Read the document ↗

Shriram Finance Ltd: key numbers

Share price
₹935.00
Market cap
₹2,20,010 Cr
Revenue (annual)
₹48,133 Cr
Net profit (annual)
₹10,024 Cr
P/E (TTM)
19.4×Sector 21.9×
Promoter holding
20.30%-5.08% QoQ
FII holding
54.75%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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Shriram Finance Board Meeting Date

Shriram Finance will hold a Banking & Finance Committee meeting on September 21, 2026, to consider a proposal for the buyback of its debt securities.