S
Shriram City Union Finance Ltd(Merged)
SHRIRAMCIT
This stock has been delisted or merged and is no longer actively traded.
Shriram City Union Finance Ltd(Merged)
Financial Services Delisted Finance
This stock has been delisted or merged and is no longer actively traded.
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Weaknesses
3- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 8.48% over past five years.
- Company has a low return on equity of 13.6% over last 3 years.
Growth Rate
Revenue Growth
22% higher than
3Y
Net Income Growth
23% higher than
3Y
Quarterly Results
| Particulars | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,562 | 1,570 | 1,546 | 1,483 | 1,508 | 1,568 | 1,595 | 1,610 | 1,708 | 1,849 | 1,894 | 2,002 | 2,155 |
| Expenses | 579 | 564 | 725 | 619 | 532 | 554 | 555 | 650 | 598 | 690 | 659 | 753 | 794 |
| Financing Profit | 408 | 441 | 227 | 283 | 408 | 439 | 423 | 316 | 424 | 440 | 471 | 493 | 533 |
| Fin. Margin % | 26% | 28% | 15% | 19% | 27% | 28% | 27% | 20% | 25% | 24% | 25% | 25% | 25% |
| Other Income | 2 | 1 | 2 | 4 | 4 | 3 | 2 | 1 | 1 | 1 | 1 | 1 | 1 |
| Interest | 575 | 565 | 594 | 581 | 568 | 575 | 617 | 644 | 686 | 719 | 764 | 756 | 828 |
| Depreciation | 22 | 23 | 22 | 22 | 22 | 22 | 21 | 21 | 22 | 22 | 21 | 21 | 22 |
| PBT | 388 | 420 | 206 | 265 | 389 | 420 | 404 | 295 | 403 | 420 | 451 | 473 | 513 |
| Tax % | 21% | 24% | 27% | 25% | 29% | 27% | 26% | 25% | 25% | 25% | 27% | 25% | 25% |
| Net Profit | 305 | 317 | 151 | 198 | 275 | 306 | 298 | 220 | 302 | 315 | 327 | 354 | 385 |
| EPS in Rs | 45.95 | 47.37 | 22.47 | 29.86 | 41.12 | 45.46 | 44.7 | 33.08 | 45.15 | 46.87 | 48.68 | 52.44 | 56.71 |
| Gross NPA % | — | — | — | — | — | 6.46% | 6.37% | 6.91% | 6.86% | 7.3% | 6.31% | 6.11% | 5.93% |
| Net NPA % | — | — | — | — | — | 3.16% | 3.08% | 3.46% | 3.47% | 3.98% | 3.3% | 3.32% | 3.29% |
Profit & Loss
| Particulars | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,323 | 2,057 | 3,100 | 3,273 | 3,606 | 4,002 | 4,707 | 5,437 | 6,045 | 6,233 | 6,151 | 7,073 | 7,900 |
| Expenses | 404 | 595 | 999 | 1,100 | 1,360 | 1,688 | 2,119 | 2,466 | 2,343 | 2,424 | 2,239 | 2,593 | 2,896 |
| Financing Profit | 368 | 533 | 690 | 820 | 904 | 870 | 931 | 1,180 | 1,577 | 1,490 | 1,555 | 1,650 | 1,938 |
| Fin. Margin % | 28% | 26% | 22% | 25% | 25% | 22% | 20% | 22% | 26% | 24% | 25% | 23% | 25% |
| Other Income | 0 | 0 | 0 | 6 | 6 | 17 | 2 | 2 | 2 | 6 | 10 | 4 | 5 |
| Interest | 551 | 929 | 1,410 | 1,352 | 1,343 | 1,445 | 1,657 | 1,791 | 2,125 | 2,319 | 2,357 | 2,829 | 3,067 |
| Depreciation | 7 | 14 | 25 | 30 | 44 | 38 | 36 | 35 | 34 | 90 | 87 | 86 | 86 |
| PBT | 361 | 519 | 666 | 796 | 867 | 849 | 897 | 1,146 | 1,545 | 1,406 | 1,478 | 1,569 | 1,856 |
| Tax % | 33% | 35% | 32% | 33% | 34% | 34% | 35% | 35% | 35% | 27% | 27% | 26% | — |
| Net Profit | 241 | 338 | 449 | 535 | 575 | 559 | 585 | 749 | 1,006 | 1,033 | 1,078 | 1,165 | 1,381 |
| EPS in Rs | 48.6 | 64.52 | 81.13 | 89.74 | 86.71 | 83.77 | 87.72 | 112 | 152 | 155 | 161 | 173 | 205 |
| Div. Payout % | 12% | 10% | 10% | 11% | 17% | 18% | 17% | 16% | 14% | 4% | 20% | 21% | — |
Balance Sheet
| Particulars | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Sep 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 50 | 52 | 55 | 59 | 66 | 66 | 66 | 66 | 66 | 66 | 66 | 67 | 67 |
| Reserves | 1,163 | 1,678 | 2,234 | 2,940 | 4,150 | 4,583 | 5,122 | 5,668 | 6,518 | 7,358 | 8,322 | 9,212 | 10,045 |
| Borrowing | 7,328 | 9,622 | 12,729 | 12,049 | 12,764 | 15,262 | 18,430 | 22,878 | 24,290 | 25,095 | 28,746 | 34,541 | 37,284 |
| Other Liabilities | 776 | 1,292 | 1,432 | 1,519 | 1,676 | 2,163 | 2,679 | 484 | 544 | 762 | 707 | 707 | 748 |
| Total Liabilities | 9,316 | 12,645 | 16,450 | 16,568 | 18,656 | 22,073 | 26,297 | 29,096 | 31,418 | 33,280 | 37,841 | 44,526 | 48,144 |
| Fixed Assets | 29 | 53 | 90 | 103 | 83 | 87 | 83 | 88 | 91 | 251 | 240 | 251 | 279 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 3 | 3 | 24 | 474 | 836 | 714 | 638 | 667 | 921 | 723 | 924 | 1,309 | 1,834 |
| Other Assets | 9,283 | 12,588 | 16,336 | 15,991 | 17,737 | 21,272 | 25,575 | 28,340 | 30,406 | 32,306 | 36,677 | 42,965 | 46,031 |
| Total Assets | 9,316 | 12,645 | 16,450 | 16,568 | 18,656 | 22,073 | 26,297 | 29,096 | 31,418 | 33,280 | 37,841 | 44,526 | 48,144 |
Cash Flow
| Particulars | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -1,604 | -2,832 | -1,469 | -147 | -1,242 | -1,587 | -3,697 | -3,373 | -236 | 446 | -1,951 | -3,861 |
| Investing | 64 | -236 | -184 | -82 | -208 | -108 | -63 | -17 | -352 | 259 | 72 | -134 |
| Financing | 2,386 | 2,014 | 2,463 | -365 | 666 | 1,726 | 3,775 | 3,292 | 1,245 | 540 | 3,555 | 5,348 |
| Net Cash Flow | 846 | -1,053 | 809 | -594 | -784 | 32 | 15 | -98 | 657 | 1,245 | 1,676 | 1,353 |
| Free Cash Flow | -1,621 | -2,869 | -1,531 | -181 | -1,283 | -1,614 | -3,729 | -3,413 | -274 | 418 | -1,971 | -3,889 |
| CFO/OP | -162 | -182 | -59 | 5 | -41 | -56 | -130 | -101 | 8 | 24 | -41 | -77 |
Ratios
| Particulars | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 22% | 23% | 22% | 20% | 16% | 12% | 12% | 14% | 16% | 15% | 13% | 13% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Shriram City Union Finance Ltd(Merged) insights
56 extracted metrics + investor summaries across FY10–FY23.
Documents
Frequently Asked Questions about Shriram City Union Finance Ltd(Merged)
What does Shriram City Union Finance Ltd(Merged) do?
Shriram City Union Finance Ltd incorporated in 1986 is a deposit-accepting NBFC, Shriram City is a part of Shriram Group. Its primary line of business is MSMEs & two-wheeler financing. It also deals in Funding commercial vehicles, passenger vehicles, and home loans, loans against gold ornaments, ...
Which sector does Shriram City Union Finance Ltd(Merged) belong to?
Shriram City Union Finance Ltd(Merged) is classified under the Financial Services sector, in the Finance industry.
Company Information
Shriram City Union Finance Ltd incorporated in 1986 is a deposit-accepting NBFC, Shriram City is a part of Shriram Group. Its primary line of business is MSMEs & two-wheeler financing. It also deals in Funding commercial vehicles, passenger vehicles, and home loans, loans against gold ornaments, and personal consumption. [1] [2]
Website shriramcity.in
Face Value ₹ 10
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