What is Shriram City Union Finance . - (Amalgamated) share price return in the past 10 years?

Shriram City Union Finance Ltd. - (Amalgamated) share price has appreciated 1% annually (CAGR) over the past ten years.

What is the P/E ratio of Shriram City Union Finance . - (Amalgamated)?

The latest standalone P/E ratio of Shriram City Union Finance . - (Amalgamated) as of 28-Nov-2022 is 10.17.

What is the P/B ratio of Shriram City Union Finance . - (Amalgamated)?

The latest standalone P/B ratio of Shriram City Union Finance . - (Amalgamated) as of 28-Nov-2022 is 1.32.

What is the 52-week high and low of Shriram City Union Finance . - (Amalgamated)?

The 52-week high of Shriram City Union Finance . - (Amalgamated) is Rs. 1988.05 and the 52-week low is Rs. 1900.00.

Shriram City Union Finance Ltd. - (Amalgamated) - Stock Valuation and Financial Performance

Name: Shriram City Union Finance . - (Amalgamated)
Brand: Shriram City Union Finance . - (Amalgamated)

BSE: 532498 | NSE: SHRIRAMCIT | Finance - NBFC | Small Cap

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Shriram City Union Share Price

₹1,923.55 0.00 0.00%
as on 28-Nov'22 18:01

DeciZen - make an informed investing decision on Shriram City Union

Based on:

Data

M-Cap below 100cr DeciZen not available

Shriram City Union Finance Ltd. - (Amalgamated) stock performance -

PE Chart Key Ratios

P/E Ratio (SA):

10.17

Market Cap:

12,894.9 Cr.

52-wk low:

1,900

52-wk high:

1,988.1

Is an attractive stock to invest in?

1. Is a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Shriram City Union Finance Ltd. - (Amalgamated) is a good quality company.

2. Is undervalued or overvalued?

The key valuation ratios of Shriram City Union Finance Ltd. - (Amalgamated)'s currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is a good buy now?

No data found

10 Year X-Ray of Shriram City Union:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	TTM
Operating Income (₹ Cr.)	3,071	3,191	3,482	3,835	4,432	5,157	5,782	5,885	5,731	6,527	7,060
YoY Gr. Rt. %	-	3.9%	9.1%	10.1%	15.6%	16.4%	12.1%	1.8%	-2.6%	13.9%	-
Adj EPS (₹ )	81.1	87.9	84.7	80.4	84.3	107.8	149.9	151.6	153.2	163	189.2
YoY Gr. Rt. %	-	8.4%	-3.7%	-5.1%	4.9%	27.8%	39.1%	1.2%	1%	6.4%	-
BVPS (₹ )	396.2	485.8	620.8	683.6	762.3	841.9	967.8	1,092	1,227.2	1,334.1	1,455
YoY Gr. Rt. %	-	22.6%	27.8%	10.1%	11.5%	10.4%	15%	12.8%	12.4%	8.7%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	3.1	3.2	3.3	2.7	2.5	2.6	3.2	3	2.8	2.7	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	8.7%	8.1%	4.1%	13.9%
Adj EPS	8.1%	14.1%	2.9%	6.4%
BVPS	14.4%	11.8%	11.3%	8.7%
Share Price	1%	7.6%	-2.8%	-

Key Financial Ratios


RATIOS \ YEARS	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	14.6	16.3	16	13.8	12.6	13.8	17.1	17	17.6	16.6	18
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	23.5	20.5	16	12.3	11.7	13.4	16.6	14.7	13.2	12.8	13

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - Shriram City Union Finance Ltd. - (Amalgamated)

	Standalone	Consolidated
TTM EPS (₹)	189.2	203.5
TTM Sales (₹ Cr.)	7,060	7,690
BVPS (₹.) ⓘ	1,455	1,483.2
Reserves (₹ Cr.) ⓘ	9,687	9,876
P/BV ⓘ	1.32	1.30
PE ⓘ	10.17	9.45

From the Market
52 Week Low / High (₹)	1900.00 / 1988.05
All Time Low / High (₹)	13.00 / 2650.00
Market Cap (₹ Cr.)	12,895
Equity (₹ Cr.)	67
Face Value (₹)	10
Industry PE ⓘ	27.9

Management X-Ray of Shriram City Union:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Shriram City Union

Analyst's Notes

This is a premium feature, Please click here to check our solutions.

Key Ratios of Shriram City Union

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22
Income	3,083.01	3,240.52	3,531.63	3,856.02	4,434.53	5,158.47	5,784.27	5,887.96	5,738.64	6,530.39
Interest Income	3,071.47	3,191.33	3,482.24	3,834.87	4,431.62	5,156.73	5,781.75	5,884.75	5,730.70	6,526.76
Other Income ⓘ	11.54	49.19	49.39	21.16	2.91	1.74	2.52	3.21	7.94	3.64
Expenditure ⓘ	2,417.36	2,460.66	2,690.55	3,049.18	3,580.89	4,070	4,263.95	4,532.96	4,349.25	5,069.15
Interest Expense ⓘ	1,410.48	1,350.71	1,327.30	1,383.45	1,534.42	1,675.52	1,998.64	2,155.96	2,149.75	2,548.39
Operating Expenses ⓘ	604.01	695.29	888.73	1,028.27	1,114.42	1,329.01	1,449.76	1,463.33	1,314.25	1,583.29
Provisions	402.88	414.66	474.52	637.46	932.05	1,065.46	815.55	913.67	885.26	937.46
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	665.65	779.86	841.09	806.84	853.64	1,088.47	1,520.32	1,355	1,389.39	1,461.24
Taxes ⓘ	216.04	258.72	283.02	277.06	297.58	377.53	531.44	354.48	378.44	375.05
Profit After Tax	449.62	521.14	558.06	529.78	556.06	710.94	988.88	1,000.52	1,010.94	1,086.20
Adjusted EPS (₹)	81.1	87.9	84.7	80.4	84.3	107.8	149.9	151.6	153.2	163.0
Dividend Payout Ratio (%)	10%	11%	18%	19%	18%	17%	15%	4%	22%	23%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22
Equity and Liabilities
Equity Capital	2,209.16	2,898.27	4,101.14	4,511.62	5,028.41	5,554.66	6,391.32	7,207.96	8,118.53	8,972.48
Share Capital ⓘ	55.42	59.28	65.91	65.93	65.94	65.97	65.99	66	66.01	66.63
Reserves ⓘ	2,153.74	2,838.99	4,035.24	4,445.69	4,962.47	5,488.69	6,325.33	7,141.95	8,052.52	8,905.85
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	8,696.18	9,341.44	8,141.78	9,904.51	11,279.42	18,955.65	18,352.19	21,006.13	23,339.84	27,921.01
Current Liabilities	5,405.61	4,125.39	5,764.14	6,401.09	8,184.41	5,080.81	7,463.75	5,905.50	6,281.78	7,073.85
Trade Payables	0	0	0	0	4.90	70.03	55.10	60.78	67.48	40.56
Short term borrowings	1,602.29	383.55	1,177.45	1,000.28	3,813.02	4,742.85	4,224.82	2,136.91	2,123.63	2,585.74
Other Liabilities	-1,558.67	-383.55	-1,177.45	-1,000.28	-3,817.92	-4,812.88	-4,279.92	-2,197.69	-2,191.11	-2,626.31
Total Liabilities ⓘ	16,354.56	16,365.09	18,007.07	20,817.22	24,492.24	29,591.12	32,207.26	34,119.59	37,740.14	43,967.34
Assets
Non Current Asset	3,776.19	4,606.25	5,810.35	6,801.05	10,506.81	28,790.29	27,589.39	27,255.20	28,041.06	32,810
Loan Asset	3,330.83	4,194.31	5,302.42	6,201.66	9,911.28	25,787.30	26,989.11	26,612.53	27,420.12	31,023.85
Other Non Current Asset ⓘ	445.36	411.94	507.93	599.39	595.52	3,002.99	600.28	642.67	620.94	1,786.15
Current Asset	12,568.83	11,743.89	12,189.63	14,013.16	13,985.43	800.83	4,613.77	6,864.39	9,699.08	11,157.34
Current Investment	0	459.10	727.89	335.49	229.16	264.57	384.11	351.56	665.25	321.34
Other Current Asset	12,568.83	11,284.79	11,461.74	13,677.67	13,756.27	536.26	4,229.67	6,512.83	9,033.84	10,836
Total Assets ⓘ	16,354.56	16,365.09	18,007.07	20,817.22	24,492.24	29,591.12	32,207.26	34,119.59	37,740.14	43,967.34

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22
Cash Flow From Operating Activity ⓘ	-1,355.02	50.19	-895.03	-1,156.05	-3,158.05	-3,369.57	-142.48	585.68	-536.22	-2,697.98
Cash Flow From Investing Activity ⓘ	-238.32	-191.78	-201.44	-38.34	-60	-3.06	-231.45	192.33	-17.36	-522.75
Cash Flow From Financing Activity ⓘ	2,402.09	-460.75	303.88	1,234.73	3,240.58	3,274.30	1,021.96	332.45	2,277.03	4,622.76
Net Cash Flow ⓘ	808.75	-602.34	-792.58	40.34	22.53	-98.33	648.03	1,110.46	1,723.45	1,402.03

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22
Operational & Financial Ratios
EPS (₹)	81	88	85	80	84	108	150	152	153	163
DPS (₹)	9	10	15	15	15	18	22	6	33	37
BVPS (₹)	396	486	621	684	762	842	968	1092	1227	1334
Performance Ratios
ROA (%)	3.1	3.2	3.3	2.7	2.5	2.6	3.2	3.0	2.8	2.7
ROE (%)	23.5	20.5	16.0	12.3	11.7	13.4	16.6	14.7	13.2	12.8
ROCE (%)	15.8	14.3	13.8	12.4	11.7	11.3	12.6	11.8	11.1	10.9
Valuation Parameters
Price/Book(x)	2.7	2.3	3.2	2.2	3.0	2.5	1.9	0.7	1.1	1.2

Shriram City Union Finance Ltd. - (Amalgamated) Stock News

Shriram City Union Finance Ltd. - (Amalgamated) FAQs

What is the share price of Shriram City Union?

Company share prices are keep on changing according to the market conditions. The closing price of Shriram City Union on 28-Nov-2022 18:01 is ₹1,923.6.

What is the market cap of Shriram City Union?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 28-Nov-2022 18:01 the market cap of Shriram City Union stood at ₹12,894.9.

What is the P/E ratio of Shriram City Union?

The latest P/E ratio of Shriram City Union as of 28-Nov-2022 18:01 is 10.17.

What is the P/B ratio of Shriram City Union?

The latest P/B ratio of Shriram City Union as of 28-Nov-2022 18:01 is 1.32.

What is the 52-week high and low of Shriram City Union?

The 52-week high of Shriram City Union is ₹1,988.1 and the 52-week low is ₹1,900.

What is the TTM revenue of Shriram City Union?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Shriram City Union is ₹7,060 ( Cr.) .

About Shriram City Union Finance Ltd. - (Amalgamated)

Shriram City, incorporated in the year 1986, is prominent in the retail financing space, and among the largest financiers of MSMEs and Two Wheelers in the country. It also offers multiple loan products for acquiring assets such as commercial vehicles, passenger vehicles and home loans. In addition, it offers loan against gold ornaments and for personal consumption. A deposit-accepting NBFC, Shriram City is a part of Shriram Group which is in the forty-fifth year of its existence. The Company has an all-India presence with many branches. Shriram City Union Finance (the Company) is a public limited company domiciled in India and incorporated under the provisions of the Companies Act, 1956. Its shares are listed on Bombay Stock Exchange (BSE) & National Stock Exchange (NSE).

Business area of the company

The Company is primarily engaged in the business of financing small and medium enterprises, dispensing loans for acquiring two-wheelers (both new and pre-owned), pre-owned cars, commercial vehicles and loan against pledged jewels. It also provides personal loans. The Company is a Deposit Accepting Non- Banking Finance Company (NBFC) registered as a Loan Company with the Reserve Bank of India (RBI) and Ministry of Corporate Affairs.

Products

Two Wheeler Loan
Business Loan
Gold Loan
Fixed Deposit
Recurring Deposit
Home Loan

Milestones and achievements

1986: Shriram City Incorporated
2002: Begins small ticket retail financing foray
2003: Listed on the Bombay Stock Exchange
2005: Listed on the National Stock Exchange; expands loan products and geographies
2006: Launches Small Enterprise Finance. 1st Preferential Allotment to Private Equity Investors at the rate of Rs 160 per share
2007: Introduces Loan against Gold
2008: 2nd Preferential Allotment to Private Equity Investors at Rs 400 per share
2010: Net Worth reaches `1,000 Crores; launches Housing Finance subsidiary
2011: Completes 25 years in business; launches a maiden debt public issue. Shriram Housing Finance Ltd. attracts Private Equity Investment
2012: Successfully launches follow-on debt public issue. Shriram Housing commences lending operations. Shriram City is rated India’s largest Small Enterprise Finance Company in the Small Loans segment by Frost and Sullivan
2013: Social Audit Report generated and released by the then Hon’ble Finance Minister of India. Report shows how the community of Shriram City’s customers have benefited by the Company’s manner of doing business.
2015: CFO of the Company wins the ‘Best Performing CFO in the NBFC Sector’ award from the TV Channel CNBC TV18
2016: Shriram City becomes the largest financier of two wheelers in the country, based on volume
2016-17: Income from Operations grew by 15.6% to Rs 4432 crore from Rs 3835 crore in 2015-16
2016-17: Assets under Management increased by 18.2% to Rs 23132 Crores from Rs 19576 crore in 2015-16
2016-17: Net Owned Funds increased by 11.5% to Rs 5025 crore from Rs 4505 crore in 2015-16
2018-19: Digitally enabled and well positioned to exploit multiple growth opportunities
2018-19: Focus on credit quality and collections
2018-19: Differentiated product offering with high entry barriers
2019-20: Increased focus on secured business to fulfill the rising demand for collateral backed receivables
2019-20: Allocated more funding to the two-wheeler segment
2019-20: Opted for the lower corporate tax rate
2019-20: Expanded reach across the country by leveraging existing branch network