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Investor Relations14 Oct 2025
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Shriram Finance (SHRIRAMFIN) investor relations material
Shriram Finance Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary25 Jul, 2025
Executive summary
Q1 FY26 saw total income rise 20.11% year-over-year to Rs. 115,417.6 mn, net interest income up 12.6% to Rs. 6,026.43 crores, and PAT up 8.84% to Rs. 2,155.73 crores, with EPS at Rs. 11.46.
AUM increased 16.62% year-over-year to Rs. 2,722,490.1 mn, with book value per share up 15.59% to Rs. 310.93.
Asset quality improved, with gross Stage III at 4.3% (down from 5.39% YoY) and net Stage III at 2.57%.
The company acquired 100% equity in Shriram Overseas Investments Limited in May 2025.
Management remains confident in meeting full-year growth guidance, citing strong rural demand and stable operator economics.
Financial highlights
Net interest margin for Q1 FY26 was 8.11%, down from 8.79% YoY; cost-to-income ratio at 29.29%.
Credit cost on total assets improved to 1.64% from 1.87% YoY.
Write-offs for the quarter were INR 448 crores, with provisions at INR 838 crores.
Book value per share rose to Rs. 310.93, a 15.59% increase year-over-year.
Networth stood at Rs. 588,657.2 mn, up 15.91% year-over-year.
Outlook and guidance
Management expects credit cost to remain under 2% for the full year.
Net interest margin targeted to reach 8.5% by Q4 FY26, with full-year average expected around 8.2–8.3%.
Confident in achieving full-year growth guidance, with expectations of stronger performance in Q2 and Q3.
Board approved a resource mobilisation plan for debt securities issuance from August 1 to October 31, 2025.
Forward-looking statements caution that actual results may differ due to risks and uncertainties, including strategy execution and policy changes.
What is the periodical resource mobilisation plan?
Explain the sale of BIPL by Shriram Overseas.
How did SHFL disinvestment impact FY25 results?
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Next Shriram Finance earnings date
Q2 202631 Oct, 2025
Next Shriram Finance earnings date
Q2 202631 Oct, 2025
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One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
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Frequently asked questions
Shriram Finance Limited is a non-banking financial company providing a range of financial services, including commercial vehicle financing, personal loans, business loans, and gold loans. It serves individuals and small to medium enterprises primarily across semi-urban and rural India. The company is headquartered in Mumbai, India, and its shares are listed on the NSE.
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