ALFA Finder| Management target | Revenue 18.0% FY27 |
|---|
| Revenue growth | Net Interest Income grew 33.67% YoY; total AUM up 15.26%. |
|---|---|
| Margins | NIM improved to 9.04% due to lower incremental borrowing costs. |
| Demand visibility | Strong CV and PV demand, though rural demand faces monsoon risks. |
| Management confidence | Confident but cautious; maintaining conservative guidance despite strong Q1 numbers. |
Growth
AUM grew 15.26% YoY to ₹3,13,798 Cr; Net Interest Income surged 33.67% and PAT jumped 59.79% YoY.
Outlook
Management maintained 18% growth guidance for FY27, awaiting Q2 data for potential upward revisions.
Risks
Below-normal monsoon (90% prediction) and West Asia conflicts causing fuel/food inflation represent significant rural demand triggers.
Last quarter's promises, checked
Delivered
- Guided 15% growth → delivered 15.26% AUM growth (= BEAT)
- Guided 8.5% NIM → delivered 9.04% NIM (= BEAT)
- Guided 26-27% Cost-to-Income → delivered 25.48% (= BEAT)
Earnings Call Transcript filed with NSE, NSE: SHRIRAMFIN. Summary written with AI assistance from the document.
Shriram Finance Ltd: key numbers
- Share price
- ₹1,003.80
- Market cap
- ₹2,36,203 Cr
- Revenue (annual)
- ₹48,133 Cr
- Net profit (annual)
- ₹10,024 Cr
- P/E (TTM)
- 18.6×Sector 20.8×
- Promoter holding
- 20.30%+0.00% QoQ
- FII holding
- 55.65%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Shriram Finance Ltd
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