Shriram City Union Finance Ltd(Merged)

Shri.City Union. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Shriram City Union Finance Ltd(Merged)

₹ 1,922 -0.01%
28 Nov 2022
shriramcity.in BSE: 532498 NSE: SHRIRAMCIT
About

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]

Key Points

Strong presence in Rural Areas
The company has a strong presence in rural & semi-urban with 986 branches, customer base of 45.6 lacs with 27997 employees. [1] [2]
67% of the branches are located in the southern region, 18% in the west & 15% in the north region. [3]

Website BSE NSE
  • Market Cap ₹ 12,883 Cr.
  • Current Price ₹ 1,922
  • High / Low ₹ /
  • Stock P/E 10.2
  • Book Value ₹ 1,457
  • Dividend Yield 0.00 %
  • ROCE 10.9 %
  • ROE 12.7 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 8.04% over past five years.
  • Company has a low return on equity of 13.5% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

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
1,489 1,469 1,450 1,412 1,397 1,438 1,484 1,495 1,583 1,701 1,750 1,842 1,963
556 529 677 601 499 513 522 623 572 646 620 711 746
Operating Profit 933 940 773 811 898 925 962 872 1,011 1,055 1,130 1,130 1,217
OPM % 63% 64% 53% 57% 64% 64% 65% 58% 64% 62% 65% 61% 62%
1 1 1 3 2 1 1 1 1 1 1 1 1
Interest 536 530 550 537 519 522 556 575 616 649 694 681 733
Depreciation 21 21 20 20 20 20 19 19 20 20 19 19 19
Profit before tax 378 390 203 256 360 385 388 279 377 387 418 431 466
Tax % 21% 24% 25% 25% 29% 27% 27% 26% 25% 24% 27% 25% 25%
298 297 153 192 257 280 282 208 282 292 303 323 349
EPS in Rs 45.08 44.96 23.19 29.13 38.92 42.38 42.74 31.51 42.70 44.12 45.56 48.39 52.21
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

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
1,323 2,056 3,083 3,233 3,529 3,839 4,433 5,157 5,779 5,884 5,731 6,527 7,256
404 590 982 1,078 1,320 1,629 2,012 2,361 2,230 2,294 2,119 2,442 2,723
Operating Profit 920 1,466 2,100 2,154 2,209 2,211 2,421 2,796 3,548 3,590 3,611 4,084 4,533
OPM % 69% 71% 68% 67% 63% 58% 55% 54% 61% 61% 63% 63% 62%
-0 0 0 6 2 16 1 1 2 3 8 4 4
Interest 551 929 1,410 1,351 1,327 1,383 1,534 1,676 1,999 2,156 2,150 2,548 2,756
Depreciation 7 14 24 30 43 37 35 33 31 82 80 78 78
Profit before tax 361 524 666 780 841 807 854 1,088 1,520 1,355 1,389 1,461 1,702
Tax % 33% 35% 32% 33% 34% 34% 35% 35% 35% 26% 27% 26%
241 343 450 521 558 530 556 711 989 1,001 1,011 1,086 1,268
EPS in Rs 48.60 65.37 81.16 87.88 84.68 80.39 84.38 107.72 149.83 151.59 153.17 163.09 190.28
Dividend Payout % 12% 10% 10% 11% 18% 19% 18% 17% 15% 4% 22% 23%
Compounded Sales Growth
10 Years: 12%
5 Years: 8%
3 Years: 4%
TTM: 21%
Compounded Profit Growth
10 Years: 12%
5 Years: 14%
3 Years: 3%
TTM: 21%
Stock Price CAGR
10 Years: -1%
5 Years: 7%
3 Years: 3%
1 Year: %
Return on Equity
10 Years: 14%
5 Years: 14%
3 Years: 13%
Last Year: 13%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 1,683 2,197 2,839 4,035 4,446 4,962 5,489 6,325 7,142 8,053 8,906 9,682
7,328 9,622 12,729 12,049 12,402 14,408 17,042 21,401 22,601 23,166 25,565 30,632 32,312
776 1,291 1,392 1,436 1,535 1,934 2,466 370 422 600 526 463 442
Total Liabilities 9,315 12,649 16,373 16,383 18,038 20,854 24,536 27,326 29,415 30,974 34,210 40,068 42,503
29 53 88 101 82 85 78 79 81 229 223 229 239
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 6 18 73 628 982 792 715 736 870 734 1,017 1,836 2,294
9,281 12,578 16,212 15,654 16,974 19,977 23,744 26,511 28,465 30,011 32,970 38,003 39,969
Total Assets 9,315 12,649 16,373 16,383 18,038 20,854 24,536 27,326 29,415 30,974 34,210 40,068 42,503

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
-1,604 -2,821 -1,355 50 -895 -1,156 -3,158 -3,370 -142 586 -536 -2,698
62 -247 -238 -192 -201 -38 -60 -3 -231 192 -17 -523
2,386 2,014 2,402 -461 304 1,235 3,241 3,274 1,022 332 2,277 4,623
Net Cash Flow 843 -1,055 809 -602 -793 40 23 -98 648 1,110 1,723 1,402

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Debtor Days 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days 800 1,001 780 572 630 726 720 -20 -18 -20 -20 -14
ROCE % 13% 15% 16% 14% 14% 12% 12% 11% 13% 12% 11% 11%

Shareholding Pattern

Numbers in percentages

Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022
33.92% 33.92% 33.92% 34.56% 34.63% 34.63% 34.63% 34.60% 34.46% 34.61% 36.95% 36.86%
27.44% 27.37% 26.79% 47.40% 27.96% 28.47% 28.29% 28.76% 28.18% 28.16% 25.04% 26.95%
5.89% 5.95% 5.65% 15.53% 3.88% 3.53% 3.78% 3.84% 4.08% 4.01% 4.56% 6.06%
32.75% 32.76% 33.64% 2.50% 33.53% 33.36% 33.29% 32.80% 33.28% 33.22% 33.45% 30.13%
No. of Shareholders 8,1188,19014,78513,10813,84312,86016,77815,82829,40423,81321,05422,900

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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