Finance · NSE: SHRIRAMFIN
Intrynsic's multi-model valuation estimates Shriram Finance Limited's fair value at ₹287 per share (range ₹206–₹287) against a market price of ₹972 - a gap of -70.4% (updated 29 September 2026). This is an estimated fair value based on stated assumptions, not investment advice.
Market price
₹972
close of 29 Sept 2026
Est. fair value
₹287
₹206–₹287
Gap
-70.4%
price vs estimate
Trading ~70% above our estimated fair-value range. Assumptions and per-model workings are below.
Shriram Finance is one of India's largest non-bank lenders, specialising in loans for used commercial vehicles plus small-business and personal loans. Credit costs and borrowing rates drive its results.
Finance · Finance
Over the last 3 years, revenue grew 16.4%/yr and profit grew 18.5%/yr.
Every ₹100 of shareholder money earned ₹15.2 in profit last year, vs a sector median of 10.8%.
Borrowing is core to a lender's business model — judge it on profitability and consistency instead.
The market price is above our estimated fair-value range (based on stated assumptions).
Returns on equity varied by about 2.2 percentage points over the last 5 years — steady.
Intrynsic values Shriram Finance Limited with 3 independent models and blends them into one estimated fair-value range. Every number below is an estimate based on the stated assumptions - change the assumptions and the estimate changes.
| Model | Estimated value | vs price | Weight |
|---|---|---|---|
| P/B + Excess ReturnBank Net Worth Method | ₹287 | -70% | - |
| DDMDividend Discount Method | ₹106 | -89% | - |
| Bank FCFE DCFBank Cash Flow Method | ₹206 | -79% | - |
| Revenue | ₹48,133 Cr | |
| Net profit | ₹10,024 Cr | |
| EPS | ₹53.28 | |
| Free cash flow | ₹-13,477 Cr | |
| ROE (latest) | 15.2% | |
| Revenue growth (CAGR) | 17.9% | |
| Profit growth (CAGR) | 25.8% |
Intrynsic's multi-model valuation estimates Shriram Finance Limited's fair value at ₹287 per share (range ₹206–₹287), last updated 29 September 2026. This is an estimate based on stated assumptions, not investment advice.
Shriram Finance Limited trades at ₹972 against Intrynsic's estimated fair value of ₹287 - the market price is 70% above the estimate, i.e. above our estimated fair-value range. Different assumptions produce different estimates; see the model breakdown above.
Shriram Finance Limited trades at about 18.2 times its latest annual earnings per share.
Shriram Finance is one of India's largest non-bank lenders, specialising in loans for used commercial vehicles plus small-business and personal loans. Credit costs and borrowing rates drive its results.
Intrynsic runs 3 valuation models for Shriram Finance Limited (P/B + Excess Return, DDM, Bank FCFE DCF) and blends them into one estimated fair-value range. Every assumption - growth, discount rate, terminal value - is shown openly on this page.
Disclaimer: Intrynsic provides educational and informational analysis only. Fair-value figures are estimates based on stated assumptions - they are not investment advice, research recommendations, or an offer to transact in any security. Intrynsic is not a SEBI-registered investment adviser or research analyst. Markets carry risk; please do your own research or consult a registered adviser before making investment decisions. Prices shown may be delayed end-of-day values. Terms · Privacy